Building a house in a metropolitan city like Bengaluru is a dream for many, but it is not easy for everybody. However, the Karnataka State Government has introduced a welfare scheme named “Karnataka One Lakh Housing Scheme” or “Chief Minister’s Multi-storeyed Housing Scheme” to facilitate housing opportunities for the underprivileged.
Here, we provide a detailed overview of the scheme, its objectives, eligibility criteria, application process, and documents required for the application process.
Overview of Karnataka One Lakh Housing Scheme
The Karnataka One Lakh Housing Scheme is a popular beneficiary scheme launched by the Karnataka State Government. This scheme aims to provide affordable housing to people from economically weaker sections and improve their well-being. This initiative comes under the Prime Minister Awas Yojana (PMAY), which was launched by the central government.
Objectives of the Scheme
Housing Options
The scheme’s main objective is to provide affordable housing options for people from economically disadvantaged sections. It gives the beneficiaries decent housing by reducing the burden of paying high rent.
Infrastructure Development
This scheme enhances the infrastructure in urban cities, especially in and around Bengaluru city, and helps with construction and renovation to improve livelihood and overall development.
Funding
Considering the livelihood of the economically weaker sections, the government provides substantial assistance in funding a significant portion of the construction cost.
Empowerment
This housing scheme saves the expenses spent on rent and construction by offering partial funding. This will result in monetary savings and help people improve their overall well-being and quality of life.
Key Benefits of the Scheme
- The multi-storey house provides a sufficient living space of 20 square metres for each housing unit.
- It provides basic housing amenities like electricity, water and other sanitation facilities for a decent living.
- Common facilities such as parks, playgrounds, community halls and shopping centres are allocated to promote the social life and physical health of the beneficiaries.
- Housing units are designed to accommodate differently abled people..
- The housing units incorporate sustainable practices such as energy-efficient lighting and water-conservatory measures.
Reservation for Different Categories
The CM One Lakh Housing Scheme is fairly allocated based on the reservation process to ensure that housing opportunities are distributed across all social groups. Below is the breakdown of the reservation distribution based on different caste and community categories.
| Caste / Community | Percentage of beneficiaries |
| General Category | 50% |
| Scheduled Caste (SC) | 30% |
| Schedules Tribe (ST) | 10% |
| Minorities | 10% |
Documents Required for Schemes
- Permanent Residence Certificate
- Income Certificate from the Revenue Department
- Aadhar Card (Original & Copy)
- Caste Certificate (if applicable)
- Valid Mobile Number
- Ration Card
- Voter Identity Card
- Passport-size Photographs
- Bank Account Details
- Labour Department Registration Number (Only for Construction Workers)
What are the Eligibility Criteria?
Annual Income
The family that wants to opt for the one lakh housing scheme should have an annual income of less than ₹87,000 or must belong to the Low-Income Group (LIG). A family that earns more than the specified amount is not eligible for the scheme, and their application will be rejected.
Age Requirements
The person applying for the scheme should be at least 18 years of age and should take responsibility for their household. There is no maximum age limit, so anyone above 18 who belongs to the economically backward section is eligible for the scheme.
Residential Status
He/she must be a permanent resident within the state boundary or must have resided in Bengaluru for a minimum of five years. Additional priority is given to applicants who live in urban areas or have an immediate need for housing.
Ownership Status
The applicant or any of their family members should not hold a permanent residence in their name. If they own a permanent residence, the application would be considered invalid, making them ineligible for the housing scheme.
Reservation Categories
The reservation process is carried out to provide a fair allocation of housing across all communal categories. A certain percentage of housing is reserved for specific categories to address their unique challenges.
Application Process
- Visit the official online portal “ashraya.karnataka.gov.in”.
- Click on the highlighted text “Chief Minister’s multi-storeyed Bangalore Housing Scheme”, which will provide you with two options.
- Select one of the two options between ‘1BHK’ and ‘2BHK’ plots based on your preference.
- Click on the “Application Submission” button on the next page.
- Fill in the necessary details about the assembly constituency, area, and permanent address and click on the “Continue” button.
- Fill in the required details about your age, caste and annual income.
- Pay the registration fee of ₹100 through the available payment methods.
- Click on the “Submit” button to complete the application process.
How to Check the Application Status?
- Visit the official website of the Karnataka One Lakh Housing Scheme at ashraya.karnataka.gov.in.
- Click on the “Beneficiary Status” tab on the homepage of the online portal.
- Enter the district name and the valid beneficiary code provided on the space.
- Click the “Submit” button to check the application status for the housing scheme.
- You can check your status using your name, ration card number, and registered mobile number.
- You can also download the list to check the details easily.
Conclusion
This housing scheme is one of the revolutionary residential housing schemes launched by the state government and is a big step to address the state’s housing shortage. The government assists the economically backward with funding and subsidies and helps them settle in a safe and protected living environment to enhance their livelihood.