Gujarat Mukhya Mantri Gruh Yojana 2026 - Affordable Housing Scheme for EWS, LIG & MIG

Gujarat government runs the Mukhyamantri Gruh Yojana (Gujarat Rural Urban Housing) as an affordable housing scheme made for home seekers from the EWS, LIG and MIG categories. The scheme has now been integrated with the Pradhan Mantri Awas Yojana (Urban) so that eligible families can get permanent, well-equipped houses at a reasonable cost.

Under this scheme, the state provides financial help for building houses, redeveloping slums and paying interest subsidy on affordable home loans. This article explains the current benefits, eligibility and how to apply for the Mukhyamantri Gruh Yojana.

What is Mukhyamantri GRUH Yojana?

Mukhya Mantri GRUH (Gujarat Rural Urban Housing) Yojana is a housing scheme started by the Government of Gujarat to meet the rising demand for affordable houses. As the state grows fast, urban areas face a big shortage of quality housing for economically weaker sections (EWS), lower income groups (LIG) and middle income groups (MIG).

The scheme was announced during the 12th Five Year Plan with the aim of building 50 lakh houses over five years, including 22 lakh in urban areas, and creating slum-free cities. It works through public private partnerships (PPP) to speed up construction and make houses affordable through different incentives and simpler processes.

In 2016, the state integrated the Mukhyamantri Gruh Yojana with the Pradhan Mantri Awas Yojana (Urban) so that the four main parts of the scheme, namely Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), In Situ Slum Redevelopment (ISSR) and Credit Linked Subsidy (CLSS), could be run together. The scheme is now handled by the Affordable Housing Mission of the Urban Development and Urban Housing Department.

Detail	Information
Scheme Name	Mukhya Mantri GRUH Yojana
Launched By	Government of Gujarat
Beneficiaries	EWS, LIG and MIG families
Main Benefit	Affordable houses and financial help
Integrated With	Pradhan Mantri Awas Yojana (Urban)
Application Mode	Online through official housing portal
Official Website	ahm.gujarat.gov.in

How to Apply for Mukhyamantri Gruh Yojana

Applications for the scheme are now collected through the Affordable Housing Mission and the Gujarat Housing Board. The process is simple and can be done online from home.

STEP 1 - Go to the official Affordable Housing Mission website at ahm.gujarat.gov.in or the Gujarat Housing Board website at gujarathousingboard.gujarat.gov.in.

STEP 2 - Look for the ongoing housing projects or the GRUH Yojana section and pick the project that matches your income category.

STEP 3 - Fill in the online application form with your personal details, family income and address proof, and upload the required documents.

STEP 4 - Pay the application deposit as per your category and submit the form. Keep the application number safe to check the allotment result later.

Mukhya Mantri GRUH Yojana for EWS Category

Under the scheme, the Gujarat government provides a pucca house to every slum dwelling family and families from the economically weaker sections. The carpet area of houses for EWS families is between 25 and 30 sq. meters, which includes two rooms, kitchen, bathroom and toilet.

Existing slums in metropolitan, municipal and development authority areas are redeveloped in the same place (in situ). Slums that cannot be redeveloped in the same place are shifted to government, ULC, ULB or GHB land.

Eligibility for EWS Beneficiaries

Beneficiaries under the EWS category are chosen on the basis of income and residence. The main points are given below.

• Selection is made on the basis of any two of the four criteria, which include electricity bill, voter ID card, slum survey or ration card.
• Annual family income of the beneficiary should be less than Rs. 1,00,000.
• No family member should own a plot or house in that city, and the applicant should be an adult on the date of application.
• Slum families should have been living in the slum on or before the cut-off date of 1/12/2010.
• Allotment of houses is done through a computerized lottery draw.
• Allotted houses are registered jointly in the name of husband and wife, and the wife has the first right.

Financial Help for EWS in Mukhyamantri Gruh Yojana

Slum redevelopment projects approved by the central government are financed by the central government, state government, local urban bodies and beneficiaries as follows.

Central Government - 50% of the project cost

State Government and urban local bodies - 38%

Beneficiary contribution - 12% (the beneficiary pays Rs. 35,000 or 12% of the cost of the house, whichever is more)

Loan facility is provided to the eligible beneficiary by the department running the scheme. The allottee cannot sell or let out the allotted house for 15 years. If this condition is broken, the allotment may be cancelled. The ownership of the land stays with the urban local bodies.

Mukhyamantri Gruh Yojana EWS Application Form PDF Download

Here is the direct link to download the Mukhyamantri Gruh Yojana EWS Application Form in PDF format - Download EWS Application Form PDF

The Mukhya Mantri Gruh Yojana EWS Registration Form PDF will appear as shown below.

Mukhya Mantri GRUH Yojana for LIG Category

The state government encourages and helps affordable housing projects for people in the lower income group (LIG) to meet the growing need for affordable houses in urban areas. The carpet area of houses for LIG families is between 31 and 50 sq. meters, which includes one bedroom, hall, kitchen, bathroom and toilet.

Eligibility for LIG Beneficiaries

LIG beneficiaries are selected on the basis of income and residence. The main points are given below.

Annual family income of LIG candidates should be between Rs. 1,00,000 and Rs. 2,50,000.

No family member should own a plot or house in that city, and the applicant should be an adult on the date of application.

Allotment of houses is done through a clear computerized lottery draw.

Registration of all beneficiaries with UIDAI (Unique Identification Authority of India) is required. Municipal Corporations and Municipalities carry out this activity.

Allotted houses are registered jointly in the name of husband and wife, and the wife has the first right. Concessions in stamp duty apply as per the prevailing rules.

Financial Assistance for LIG in Mukhyamantri Gruh Yojana

Under this scheme, the amount payable by the beneficiary is the amount left after deducting the subsidy per unit of house, or Rs. 7.50 lakh to Rs. 11 lakh, whichever is less. The department running the scheme works with banks to arrange a loan for the beneficiary.

The allottee cannot sell or let out the allotted house for 7 years.

Download Mukhyamantri Gruh Yojana LIG Application Form PDF

Here is the direct link to download the Mukhyamantri Gruh Yojana LIG Application Form in PDF format - Download LIG Application Form

The Mukhya Mantri Gruh Yojana LIG Registration Form PDF will appear as shown below.

Mukhya Mantri GRUH Yojana for MIG Category

The sample application form for the GRUH Yojana housing scheme for the MIG category can be downloaded from the link below.

Download MIG Application Form

The Mukhyamantri Gruh Yojana Registration Form for the MIG category will appear as shown below.

Mukhyamantri Gruh Yojana Booklet - Download GRUH Yojana Booklet

Financial Help Under Pradhan Mantri Awas Yojana (Urban)

Since the Mukhyamantri Gruh Yojana is now part of the Pradhan Mantri Awas Yojana (Urban), eligible families can get financial help under its main parts. Under the Beneficiary Led Construction (BLC) part, an EWS family with an annual income of up to Rs. 3 lakh can build a permanent house on its own land and get total help of Rs. 3,50,000, which includes Rs. 1,50,000 from the central government and Rs. 2,00,000 from the state government, paid directly to the bank account through DBT.

Under the Affordable Housing in Partnership (AHP) part, houses up to 40 sq. meters are built for EWS families and allotted through a computerized draw. Under the Credit Linked Subsidy (CLSS) part, families with an annual income of up to Rs. 12 lakh can get an interest subsidy of up to Rs. 2.67 lakh on a home loan taken for their first house.

Gujarat Rural Urban Housing Yojana - Policy Details

The Mukhya Mantri GRUH (Gujarat Rural Urban Housing) Yojana was launched by the Gujarat government to meet the growing demand for affordable housing in the state. The policy aims to create slum-free urban areas by providing houses at reasonable prices to EWS, LIG and MIG families.

The policy sets specific parameters for affordable housing based on income levels. Carpet area ranges from 25-30 sq. meters for EWS to 51-65 sq. meters for MIG-1. The maximum selling price is up to Rs. 3,00,000 for EWS and up to Rs. 22,50,000 for MIG-1. Annual family income ranges from less than Rs. 1,00,000 for EWS to Rs. 2,50,000-5,00,000 for MIG-1.

The policy relies on public-private partnerships and gives incentives to private developers, including exemptions from municipal charges for certain housing categories, tax benefits from the central government, and the ability to use 10% of the land for commercial construction. Beneficiaries must have lived in the urban area for at least three years, and allotted houses cannot be sold or sublet for at least 7 years for EWS/LIG and 5 years for MIG.

For detailed information and the latest updates, please visit the official website of the Urban Development and Urban Housing Department of Gujarat Government at udd.gujarat.gov.in and the Affordable Housing Mission at ahm.gujarat.gov.in.