State-Wise Awas Yojana Schemes: What’s New in Maharashtra and Bihar?

Introduction

Affordable housing continues to be a key focus for both the central and state governments in India. While national schemes like Pradhan Mantri Awas Yojana (PMAY) provide a broad framework, state-specific Awas Yojanas further enhance the scope by addressing regional challenges and urban-rural housing gaps.

Among the leading states in this mission are Maharashtra and Bihar — each actively expanding housing support in 2025 with new launches, revised policies, and better inclusion of lower-income groups.

This article provides an in-depth look at the latest state-wise housing schemes in Maharashtra and Bihar, focusing on updates, benefits, eligibility, and how you can apply.

Overview of State-Level Housing Schemes

While PMAY lays the foundation for urban and rural housing, state governments often roll out tailored programs to:

• Cover non-eligible groups under PMAY

• Provide land or plot assistance

• Offer higher subsidies

• Speed up construction using local models

• Focus on specific regions or communities

Now, let’s explore what Maharashtra and Bihar are offering in 2025.

Maharashtra: What’s New in 2025?

1. MHADA Housing Lottery Schemes 2025

The Maharashtra Housing and Area Development Authority (MHADA) continues to dominate the affordable housing space in the state.

Key Highlights:

• New projects launched in Mumbai, Pune, Nashik, Nagpur, and Aurangabad

• Flats priced between ₹10 lakh to ₹60 lakh

• Online application and transparent lottery draw system

• Categories: EWS, LIG, MIG, HIG

What’s New in 2025:

• Over 10,000 flats added across all boards

• More focus on LIG & MIG housing

• Quick possession in ready-to-move-in projects

• EMI-based payment options now integrated with partner banks

• Reservation for journalists, disabled persons, senior citizens, and women

How to Apply:

• Visit: https://lottery.mhada.gov.in

• Register, select your scheme, upload documents, and pay the application fee

• Results announced online via live draw

2. CIDCO Housing Scheme (Navi Mumbai)

The City and Industrial Development Corporation (CIDCO) is also offering mass housing options near Mumbai.

What’s New:

• EWS/LIG homes under ₹25 lakh in Taloja, Kharghar, Kalamboli

• Online allotment process with GPS-enabled site visits

• Integration with PMAY-U for subsidy benefits

CIDCO also launched e-Auction for premium MIG/HIG plots for self-construction.

3. Rental Housing Policy & Transit Camps

In partnership with PMAY’s ARHC (Affordable Rental Housing Complexes) model, Maharashtra introduced:

• Rental flats for migrant workers and laborers

• Pilot projects in Thane, Palghar, and Bhiwandi

• Managed by private operators with government support

This supports temporary urban residents in need of shelter.

Bihar: What’s New in 2025?

1. Mukhyamantri Awas Yojana – Bihar (Rural Housing)

A flagship initiative by the Government of Bihar, this scheme aims to provide pucca houses to the rural poor — especially those left out of PMAY-G.

Key Features:

• ₹1.20–₹1.50 lakh assistance per house

• Additional ₹12,000 for toilet under Swachh Bharat Mission

• Paid in three installments linked to construction stages

Who is Eligible:

• Families not covered under SECC list for PMAY-G

• SC/ST households, female-headed families, or families without land

• Rural homeless and those in kutcha houses

Latest 2025 Updates:

• Use of e-MB mobile app for geotagged monitoring

• Direct benefit transfer (DBT) to bank accounts

• Local panchayats involved in beneficiary selection

Apply via: https://rdd.bih.nic.in

2. Urban Housing Schemes (Under PMAY-U)

Bihar’s urban areas — especially Patna, Gaya, Bhagalpur, Muzaffarpur — have adopted PMAY-U with state-led enhancements.

State Add-Ons:

• Bihar Urban Development Authority (BUDA) is offering low-cost flats under ₹20 lakh

• Priority to daily wage earners, vendors, and women beneficiaries

• PMAY-U benefits fully integrated via CLSS home loan subsidy

3. Land for Landless + Housing Package

In an innovative move, Bihar introduced:

• 5–10 decimal land parcels for landless rural families

• Bundled with housing assistance under Awas Yojana

• Digitally mapped land titles under BhuNaksha Bihar portal

This resolves housing challenges for the most vulnerable segments, especially Dalits and Adivasis.

Comparative Snapshot: Maharashtra vs Bihar

Role of Housing Loans in State Schemes

Both Maharashtra and Bihar housing schemes support financing via home loans. Buyers can:

• Apply for Credit Linked Subsidy Scheme (CLSS) under PMAY

• Approach banks like SBI, HDFC, Can Fin, PNB Housing

• Use state-nominated housing finance companies for quicker processing

Banks provide loans up to ₹30–45 lakh with repayment tenures of up to 30 years, and lower interest rates for EWS/LIG segments.

Documents Required (General for State Schemes)

• Aadhaar Card

• PAN Card

• Domicile Certificate

• Income Certificate

• Caste Certificate (if applicable)

• BPL/Ration Card

• Property-related documents or land records

Conclusion

Both Maharashtra and Bihar have made commendable progress in 2025 to support affordable housing — through a mix of flat lotteries, rural housing grants, rental accommodations, and land-plus-home models. These state schemes, when combined with PMAY benefits, housing loans, and digitized application systems, make homeownership a realistic goal for lakhs of families.

Whether you’re a migrant worker in Mumbai or a rural landless laborer in Bihar — there’s a custom housing solution waiting for you in your state.

Useful Links:

• MHADA: https://lottery.mhada.gov.in

• CIDCO: https://cidco.maharashtra.gov.in

• Bihar RDD: https://rdd.bih.nic.in

• PMAY: https://pmaymis.gov.in