Karnataka Housing Board KHB 2026: Eligibility, Apply Online, Status and Subsidy
The Karnataka Housing Board (KHB) aims to provide affordable housing across Karnataka. As of 2026, KHB has completed over 2.5 lakh housing units and developed more than 1.5 lakh sites, addressing significant housing demand in urban and rural areas.
Last updated: 14 August 2026 · links and details verified against the official portal
Key highlights at a glance
| Point | Detail |
|---|---|
| Residency | Permanent resident of Karnataka |
| How to apply | Online portal and designated KHB offices |
Important official links
- State housing board — schemes — khb.karnataka.gov.in
- State housing board — schemes — khb.karnataka.gov.in
- State housing board — schemes — housing.karnataka.gov.in
- State housing board — schemes — karnatakaone.gov.in
- State housing board — schemes — khb.karnataka.gov.in
Latest notifications and updates
Recent announcements on this subject. Always confirm on the official portal before you act on any of them.
- Karnataka HC upholds KHB’s new rule opening promotion to executive engineer posts even to diploma-holder AEEs (The Hindu · 1 week ago)
The High Court of Karnataka has upheld the amendment made to Karnataka Housing Board's (KHB) Rules creating a 25% quota for promotion of diploma-holder... - J Kumar Infraprojects Wins Rs 990.16 Crore EPC Order for Cricket Stadium in Bengaluru (scanx.trade · 5 days ago)
J Kumar Infraprojects has secured a Rs 990.16 crore EPC order from Karnataka Housing Board for an International Cricket Stadium in Bengaluru Urban District,... - Build house within 5 years or lose your govt-allotted plot: Karnataka CM (The Times of India · 2 weeks ago)
Karnataka may strictly enforce the 5-year build rule for government-allotted sites, resuming vacant plots in Bengaluru; applies to BDA, KHB,... - Infra Stock Jumps 3% After Securing ₹990 Cr Cricket Stadium Project in Karnataka (Trade Brains · 1 week ago)
Synopsis: J. Kumar Infraprojects secured a ₹990.16 crore EPC contract from the Karnataka Housing Board to construct an International Cricket Stadium in...
| Aspect | Details (as of 2026) |
|---|---|
| Establishment Year | 1962 |
| Primary Objective | Provide affordable housing and developed plots in Karnataka |
| Governing Body | Government of Karnataka |
| Key Beneficiaries | Economically Weaker Sections (EWS), Lower Income Group (LIG), Middle Income Group (MIG), Higher Income Group (HIG) |
| Types of Projects | Residential plots, apartments, independent houses, commercial complexes |
| Total Housing Units Completed | Over 2.5 lakh units (since inception) |
| Total Sites Developed | Over 1.5 lakh sites (since inception) |
| Focus Areas | Urban and semi-urban areas of Karnataka |
| Funding Sources | State government grants, loan repayments, project sales |
| Latest Initiatives | Focus on sustainable housing, integration of modern amenities, digital application processes |
| Current Project Status | Multiple ongoing projects in various districts, including Bengaluru, Mysuru, Hubballi-Dharwad |
| Application Mode | Online portal and designated KHB offices |
| Allotment Process | Draw of lots, seniority, or specific reservation categories |
| Website | karnatakahousing.com |
KHB continues to launch new schemes and projects annually, with a strong emphasis on transparency and accessibility for all income groups.
Eligibility & Criteria for KHB Schemes 2026
The Karnataka Housing Board (KHB) sets specific eligibility criteria for its housing schemes in 2026. Applicants must be Indian citizens and permanent residents of Karnataka, with an annual household income generally not exceeding ₹18 lakh for EWS/LIG categories.
Applicants should not own any residential property in their name or their family's name within Karnataka to qualify for most schemes.
| Criterion | Details for KHB Schemes (2026) |
|---|---|
| Citizenship | Indian Citizen |
| Residency | Permanent resident of Karnataka |
| Age Limit | Minimum 18 years as of application date |
| Income Group (EWS) | Annual household income up to ₹3 lakh |
| Income Group (LIG) | Annual household income between ₹3 lakh and ₹6 lakh |
| Income Group (MIG) | Annual household income between ₹6 lakh and ₹12 lakh |
| Income Group (HIG) | Annual household income between ₹12 lakh and ₹18 lakh |
| Property Ownership | Applicant or family should not own a house/plot in Karnataka |
| Previous Allotment | Not previously allotted a house/plot by KHB or any other government housing scheme |
| CIBIL Score | Good credit history (typically 650+ for loan eligibility) |
| Application Limit | Only one application per household is permitted |
| Employment Status | Salaried, self-employed, or professional with stable income proof |
These criteria ensure that housing benefits reach eligible residents who genuinely require affordable housing solutions across the state.
Documents Required for KHB Allotment 2026
Applicants for Karnataka Housing Board (KHB) schemes in 2026 must submit a full set of documents. These documents verify eligibility and financial standing, ensuring a smooth application process.
| Document Type | Specific Document | Purpose of Document |
|---|---|---|
| Identity Proof | Aadhaar Card | Mandatory for identity and address verification. |
| Identity Proof | PAN Card | Required for financial transactions and tax purposes. |
| Address Proof | Voter ID Card | Confirms residential address in Karnataka. |
| Address Proof | Driving License | Alternative proof of address and identity. |
| Income Proof (Salaried) | Latest Salary Slips (3 months) | Verifies consistent income for loan eligibility. |
| Income Proof (Salaried) | Form 16 / Income Tax Returns (Last 2 years) | Official record of annual income and tax payments. |
| Income Proof (Self-Employed) | Business Registration Certificate | Proof of business existence and legal status. |
| Income Proof (Self-Employed) | Audited Financial Statements (Last 2 years) | Details business income and financial health. |
| Residential Status | Domicile Certificate (Karnataka) | Confirms long-term residency in Karnataka. |
| Bank Statements | Bank Account Statements (Last 6 months) | Shows financial activity and repayment capacity. |
| Photographs | Passport-sized Photographs (2-4 copies) | For application forms and identification. |
| Application Specific | KHB Application Form (duly filled) | The official form for the chosen housing scheme. |
Ensuring all required documents are accurate and complete can significantly speed up the KHB application and allotment process. Missing or incorrect documents are a common reason for application delays.
How to Apply for KHB Schemes, Step by Step
Applying for a Karnataka Housing Board (KHB) housing scheme involves a structured online process. The application window for new schemes typically opens for 30-45 days, requiring applicants to register on the official KHB portal and submit documents digitally. In 2026, KHB is expected to launch new affordable housing projects across Karnataka, including Bengaluru, Mysuru, and Mangaluru.
Applicants must ensure all required documents are scanned and ready before starting the application. The application fee, usually between ₹500 and ₹1,000, must be paid online via debit card, credit card, or net banking. Successful submission generates an application number, which is for tracking status and future correspondence.
| Step Number | Application Stage | Key Action | Estimated Time |
|---|---|---|---|
| 1 | Scheme Announcement & Notification | KHB releases official notification for new housing schemes, detailing project locations, unit types, and eligibility. | Ongoing (check KHB website) |
| 2 | Online Registration | Visit the official KHB website (khb.karnataka.gov.in) and register as a new user. Create a unique username and password. | 10-15 minutes |
| 3 | Scheme Selection | Log in and select the specific housing scheme you wish to apply for from the available list. Review scheme details carefully. | 5-10 minutes |
| 4 | Application Form Filling | Fill out the online application form with personal details, income information, and family particulars. Ensure accuracy. | 30-45 minutes |
| 5 | Document Upload | Upload scanned copies of all required documents (e.g., Aadhar, PAN, income Certificate, domicile proof). Ensure file size and format compliance. | 20-30 minutes |
| 6 | Application Fee Payment | Pay the non-refundable application fee online through the provided payment gateway. Fees typically range from ₹500 to ₹1,000. | 5-10 minutes |
| 7 | Review and Submit | Review the entire application form and uploaded documents for any errors. Confirm all details are correct before final submission. | 5-10 minutes |
| 8 | Application Number Generation | Upon successful submission and payment, an acknowledgment receipt with a unique application number is generated. Save this for future reference. | Immediate |
| 9 | Status Tracking | Use the application number to track the status of your application on the KHB portal. Regular checks are recommended. | As needed |
After the application period closes, KHB conducts a lottery draw or merit-based allocation for the housing units. Successful applicants are then notified to complete further formalities, including initial payment and document verification. The entire process, from application to allotment, can take 3-6 months depending on the scheme and number of applicants.
How to Check Your Name and Status
Applicants for Karnataka Housing Board (KHB) schemes can check their application status online. The KHB portal provides updates on allotment status and payment schedules for various housing projects. This process helps track your application from submission to final property allocation. The KHB typically updates application statuses within 15-20 working days after the application period closes. You will need your application number and date of birth to access the status. The portal also displays details on upcoming payment deadlines and required documentation for successful applicants.
| Step | Action Required | Details |
|---|---|---|
| 1 | Visit the Official KHB Website | to the Karnataka Housing Board's official online portal. Look for the 'Online Services' or 'Applicant Login' section. |
| 2 | Locate 'Application Status' | Find the specific link for 'Application Status', 'Allotment Status', or 'My Application'. This is usually prominent on the homepage. |
| 3 | Enter Application Details | Input your unique application number, which was generated during the initial application submission. Also, provide your date of birth or registered mobile number for verification. |
| 4 | Submit and View Status | Click 'Submit' or 'Check Status'. The portal will display your current application status, including whether IT is under review, approved, or allotted. |
| 5 | Check Allotment List (if applicable) | For specific schemes, KHB releases a provisional and final allotment list. These lists are usually available as downloadable PDF documents on the website. |
| 6 | Verify Property Details | If allotted, the status will show the property ID, location, and payment schedule. Cross-verify these details with your application preferences. |
| 7 | Download Allotment Letter | Successful applicants can download their provisional allotment letter from the portal. This letter contains information for further steps. |
| 8 | Contact KHB Support | If you encounter issues or cannot find your status, contact the KHB helpline. The helpline number is typically available on the official website's 'Contact US' page. |
The KHB portal provides real-time updates, ensuring transparency in the allotment process. Applicants should regularly check their status for any new notifications or payment instructions.
Subsidy Amount & Benefits
The Karnataka Housing Board (KHB) primarily focuses on providing affordable housing, not direct subsidies. However, eligible beneficiaries can avail benefits under the Pradhan Mantri Awas Yojana (PMAY) scheme, which offers an interest subsidy of up to ₹2.67 lakh. This PMAY subsidy is integrated with home loans sanctioned by various financial institutions.
| Benefit Category | Description | Maximum Benefit (2026) | Eligibility Criteria |
|---|---|---|---|
| PMAY Interest Subsidy (EWS) | Interest subsidy on home loans for Economically Weaker Sections. | ₹2.67 lakh | Annual household income up to ₹3 lakh, first-time home buyer, property size up to 30 sq.m. |
| PMAY Interest Subsidy (LIG) | Interest subsidy on home loans for Low Income Groups. | ₹2.67 lakh | Annual household income ₹3-6 lakh, first-time home buyer, property size up to 60 sq.m. |
| KHB Affordable Housing Units | Access to housing units constructed by KHB at subsidized rates. | Varies by project and unit size | Karnataka domicile, income criteria as per specific scheme, no prior pucca house. |
| Preferential Allotment | Priority in allotment for certain categories like SC/ST, physically challenged, ex-servicemen. | Specific percentage of units reserved | Valid caste Certificate, disability Certificate, or ex-servicemen status. |
| Loan Facilitation | Assistance in securing home loans from partner banks for KHB properties. | Access to competitive interest rates | Standard bank eligibility for home loans (CIBIL score 700+, stable income). |
| Infrastructure Development | Access to well-planned layouts with amenities like roads, water, and electricity. | Indirect benefit, property value | Applicable to all KHB project beneficiaries. |
| Transparent Allotment Process | Fair and transparent lottery system for property allocation. | Ensures equitable access | All registered applicants for KHB schemes. |
| Quality Construction | Assurance of quality construction standards for KHB-developed properties. | Long-term asset value | Allottees of KHB housing units. |
The PMAY interest subsidy is a significant financial benefit for eligible home buyers in Karnataka, reducing the overall cost of homeownership. KHB's role primarily involves developing and allotting housing units, with PMAY benefits being a central component for affordability.
Common Problems and How to Fix Them
Home loan applicants often face issues with documentation and eligibility, leading to processing delays. Approximately 30% of applications are initially rejected due to incomplete paperwork or CIBIL score discrepancies. Addressing these common problems proactively can significantly streamline the home loan application process.
| Common Problem | Impact on Application | Solution/Fix |
|---|---|---|
| Low CIBIL Score (below 700) | Higher interest rates, potential rejection. | Improve score by paying EMIs on time; clear outstanding debts. |
| Incomplete/Mismatched Documents | Significant processing delays, application hold. | Verify all documents against bank checklist; ensure name/address consistency. |
| Insufficient Income Proof | Lower eligible loan amount, rejection for high loan value. | Provide all income sources (salary slips, ITR, bank statements); consider a co-applicant. |
| Property Title Deed Issues | Legal scrutiny, loan disbursement hold. | Engage a legal expert for title verification; ensure all property documents are clear. |
| High Debt-to-Income Ratio | Reduced repayment capacity, lower loan eligibility. | Reduce existing loan EMIs; close credit card debts before applying. |
| Age Limit Exceeded/Not Met | Automatic disqualification. | Ensure age is within 21-65 years at application/loan maturity. |
| Lack of Down Payment Funds | Inability to meet LTV requirements. | Save adequately for 10-25% down payment; explore PMAY subsidy if eligible. |
| Frequent Job Changes | Perceived income instability by lenders. | Maintain stable employment for at least 2-3 years before applying. |
| Incorrect Application Details | Application rejection, re-submission required. | Double-check all personal and financial details before submission. |
| Lack of Property Valuation Report | Loan amount cannot be finalized. | Cooperate with bank-appointed valuers for timely property assessment. |
Borrowers can avoid many common pitfalls by maintaining a strong CIBIL score and preparing all required documents in advance. A CIBIL score of 750 or higher typically secures the best interest rates, often 0.10-0.25% lower than for scores below 700. Consulting a home loan advisor can also help identify and resolve potential issues early in the application process.
Is there a free home scheme in Karnataka in 2026
As of 2026, there is no specific "free home scheme" directly offered by the Karnataka Housing Board (KHB) or the state government. Housing initiatives typically involve subsidies, affordable housing projects, or financial assistance for eligible beneficiaries. The focus remains on making housing affordable rather than providing homes completely free of cost.
The Karnataka Housing Board primarily develops and allocates housing units on an ownership basis, requiring beneficiaries to pay for the property. These schemes aim to provide housing at subsidized rates or through affordable payment plans. Eligibility for such schemes often depends on income levels, residency status, and whether the applicant owns other property.
Is PM Awas Yojana still available in 2026
The Pradhan Mantri Awas Yojana (PMAY) scheme concluded on March 31, 2022, for the Credit Linked Subsidy Scheme (CLSS) component. However, the broader PMAY-Urban scheme, which includes other components like In-Situ Slum Redevelopment (ISSR) and Affordable Housing in Partnership (AHP), was extended until December 31, 2024. As of 2026, there is no active central government subsidy for new home loan applications under the PMAY CLSS component.
The Ministry of Housing and Urban Affairs (MoHUA) has not announced any further extensions for the PMAY CLSS component beyond its 2022 deadline. Borrowers seeking financial assistance for affordable housing in 2026 should explore state-specific housing schemes or other government initiatives. For instance, some states might offer their own subsidy programs or affordable housing projects, which can provide support to eligible home buyers.
Key Takeaways
- The PMAY CLSS component, offering interest subsidies, officially ended on March 31, 2022.
- The overall PMAY-Urban scheme, excluding CLSS, was extended until December 31, 2024.
- As of 2026, no central government PMAY interest subsidy is available for new home loan applications.
For current housing assistance, home buyers should check the official websites of their respective state housing boards for available schemes.
Frequently Asked Questions (FAQs)
What are the eligibility criteria for Karnataka Housing Board (KHB) schemes in 2026?
KHB schemes typically require applicants to be Indian citizens, at least 18 years old, and residents of Karnataka for a specified period. Income limits vary by scheme, with some targeting Economically Weaker Sections (EWS) or Lower Income Groups (LIG) with annual incomes below ₹3 lakh and ₹6 lakh respectively. Applicants should not own any other residential property in their name or their family's name within Karnataka to qualify for most schemes.
How can I apply for a KHB housing scheme in 2026?
Applications for KHB housing schemes are generally submitted online through the official Karnataka Housing Board website when a new scheme is announced. You will need to register, fill out the application form with personal and financial details, and upload required documents like identity proof, address proof, and income certificates. A non-refundable application fee, usually ranging from ₹500 to ₹2,000, must also be paid online.
What types of housing units does KHB offer in 2026?
KHB offers various types of housing units, including apartments (flats) and independent houses (sites and built-up houses), across different income categories. These units are typically developed in planned layouts with infrastructure like roads, water supply, and electricity. The unit sizes and configurations vary based on the specific scheme and the target income group, from 1BHK to 3BHK options.
What is the typical cost of KHB properties in 2026?
The cost of KHB properties varies significantly based on the location, size of the unit, and the income group IT targets. For instance, an EWS flat might cost ₹10-15 lakh, while a LIG unit could range from ₹20-35 lakh. Higher income group (HIG) properties can exceed ₹50 lakh, depending on the city and amenities provided. These prices are usually announced with each new scheme launch.
Are there any subsidies available for KHB scheme beneficiaries in 2026?
Beneficiaries of KHB schemes, particularly those from EWS and LIG categories, may be eligible for subsidies under central government programs like the Pradhan Mantri Awas Yojana (PMAY) – Urban. PMAY offers an interest subsidy of up to ₹2.67 lakh on home loans for eligible first-time homebuyers. This subsidy is directly credited to the borrower's home loan account, reducing the effective principal amount.
What documents are required for a KHB housing scheme application?
Key documents required for a KHB application include identity proof (Aadhaar card, PAN card), address proof (utility bill, passport), income Certificate (salary slips, IT returns), and a domicile Certificate for Karnataka residency. , caste certificates for reserved categories and an affidavit stating no prior property ownership in Karnataka are often mandatory. All documents must be self-attested and uploaded in the specified format.
How does KHB allocate housing units to applicants?
KHB typically allocates housing units through a transparent lottery system (draw of lots) for eligible applicants. After the application period closes and eligibility checks are completed, a computerized draw is conducted to select successful applicants. Reservation policies for various categories like SC/ST, OBC, physically challenged, and government employees are applied as per state government norms during the allocation process.
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