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Rajiv Gandhi Rural Housing Corporation Limited Schemes

The Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL) is a government organization in Karnataka that provides affordable housing options to economically weaker sections of society. It was established in 2000 with the aim of implementing state and central government housing schemes across Karnataka.

RGRHCL runs various popular housing schemes like Ashraya Housing Scheme, Dr B R Ambedkar Niwas Yojana, Basava Housing Scheme, Devraj URS Housing Scheme, and Chief Minister's Multistorey Housing Programme. These schemes offer subsidized housing units to eligible beneficiaries.

Rajiv Gandhi Rural Housing Corporation Limited Schemes

Important Details - RGRHCL Housing Schemes

Scheme Key Details
Ashraya Housing Scheme For below poverty line families
Dr B R Ambedkar Niwas Yojana For SC/ST communities
Basava Housing Scheme For low income groups with income below Rs 32,000
Devraj URS Housing Scheme For nomadic tribes, widows, HIV positive people, etc.
CM's Multistorey Housing Programme Apartments in Bengaluru for low and middle income groups

Eligibility Criteria

The eligibility criteria varies for different RGRHCL housing schemes. Some key criteria are:

Criteria Details
Domicile Applicant must be domicile of Karnataka
Income limit Annual income below Rs 3 lakhs for EWS
Property ownership Applicant should not own any other property
Reserved categories Some schemes are for SC/ST, widows, disabled, etc.

The exact eligibility criteria is provided in the scheme guidelines. Applicants must meet all criteria to be eligible.

Key Benefits

RGRHCL housing schemes offer several benefits to the beneficiaries such as:

Benefits Details
Subsidized rates Houses allotted at low cost compared to market rates
Home loans Easier home loans from banks at lower interest rates
Amenities Housing units have access to basic amenities
Secure accommodation Formal and authorized housing for vulnerable groups

Owning a house provides socio-economic security and gives people dignity. RGRHCL schemes make this affordable for the underprivileged.

Application Process

The application process for RGRHCL schemes is outlined below:

Step Process
1 Check eligibility and scheme details on ashraya.karnataka.gov.in
2 Select scheme, fill application form online/offline as per guidelines
3 Attach required documents - ID, residence proof, income certificate, etc.
4 Submit application at RGRHCL office or authorized agency
5 Application vetting and verification done by officials
6 Site visit conducted for assessment if required
7 Beneficiary list prepared and published

Applicants must follow all instructions carefully during the application process. Key documents should be attached as they will be verified.

Funding and Implementation

RGRHCL schemes are implemented through funds allocated in state and central budgets. Some key sources are:

Source Funds
Central assistance - PMAY Grant from Union Ministry of Housing and Urban Affairs
State budgets Allocation under social welfare schemes
External aid Loans and grants from development agencies like World Bank
Beneficiary contribution Percentage of total costs paid by beneficiary

RGRHCL coordinates with various agencies during project execution. Quality standards are maintained through monitoring at state and central government levels.

Way Forward

RGRHCL has played an important role in increasing housing access for the marginalized sections in Karnataka. Some ways forward are:

Suggestions Details
Enhancing scale Increasing number of housing units and extending to more locations
Covering more groups Including other vulnerable communities based on needs
Using new technologies Exploring cost-effective construction technologies
Partnerships Collaborating with NGOs, private sector for efficient delivery

With rising migration to urban areas, affordable housing is the need of the hour. RGRHCL should continue to innovate and deliver for achieving the goal of Housing for All.


RGRHCL has been playing a significant role in providing affordable homes to the economically weaker sections in Karnataka through its various housing schemes. Proper targeting, prompt implementation and regular monitoring have enabled it to deliver results on the ground. With growing need for low-cost housing and government's push for Housing for All, RGRHCL should continue to be a catalyst for this through efficient schemes, innovative construction technologies and collaborative efforts.


Q1: Who is eligible for RGRHCL housing schemes?

A1: RGRHCL housing schemes are primarily targeted at economically weaker sections, low income groups, marginalized communities, etc. Each scheme has defined eligibility criteria related to income, property ownership, category, etc. Applicants must meet all scheme specific criteria.

Q2: What is the application process for RGRHCL housing schemes?


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