An Exhaustive Guide to India’s HIG apartments
India’s HIG apartments : The need for residential real estate is growing along with the nation’s population, which is rapidly expanding. Thus, the government has made housing for everyone a top priority. Government housing programs provide inexpensive homes, which facilitates homeownership for individuals. Flats for low-income groups (LIG), middle-income groups (MIG), high-income groups (HIG), and economically disadvantaged sections (EWS) make up the majority of the dwellings given under this system. This post will examine the several government programs that provide HIG flats and dive deeper into the category of such apartments.
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LIG, MIG, HIG: Fundamental categorization
Under government housing plans, apartments are categorized mostly based on the household’s gross income. Each category has a different carpet area and set of facilities.
| Type | Income (Rs) | Carpet area | Subsidy |
| HIG | Above 18 lakh | Above 150 sqm | None |
| MIG | MIG-I: 6 – 12 lakh
MIG-II: 12 – 18 lakh |
MIG-I: 110 sqm
MIG-II: 150 sqm |
None |
| LIG | 3 – 6 lakh | 90 sqm | 6.5% |
HIG flats: Essential attributes
HIG apartments, which are designed for families earning more than Rs 18 lakhs annually, boast larger carpets and more upscale features. Properties like 3BHKs, duplexes, and bungalows fall under this category. Additional facilities could include parking, a shopping center, a gym, a sports complex, and elevator service.
There are two-bedroom and three-bedroom HIG flat layouts available, with the latter being more preferred by buyers. In comparison to LIG or MIG quarters, the basic rooms have bigger sizes and a separate eating area. Every bedroom has a toilet attached to it. Two balconies—one with the master bedroom and the other with the living room—are a feature of the 3BHK versions.
Plans providing HIG apartments
The following government programs offer HIG apartments:
MHADA Scheme: Maharashtra Housing and Area Development Authority
MHADA’s housing project serves the people of Maharashtra and aims to lower the cost of homeownership in the state. A PAN card and a consistent monthly income are prerequisites for Maharashtra state residents over the age of 18 who wish to qualify for a home loan under this scheme. Under this system, you can apply for a HIG property if your household’s monthly income is more than Rs 75,000.
The Housing Scheme of Delhi Development Authority (DDA)
DDA, which is connected to the Pradhan Mantri Awas Yojana (PMAY), provides affordable housing to Delhi residents who are at least eighteen years old. For individuals who would like to take advantage of them, this initiative offers a number of HIG quarters.
West Bengal Housing Board Plan
This initiative, which is intended for West Bengali citizens, distributes dwellings using a lottery mechanism. If your household makes more than Rs 40,000 per month, you are qualified to apply for one of the HIG houses under this scheme.
The Housing Board Scheme of Tamil Nadu
This program is designed to serve all income levels, including HIG. The applicant must be over 21 years old and not possess any property that is part of a government housing program in Tamil Nadu or any other state in order to be eligible for this scheme.
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