We all think of the Hidden Gems of South India when it comes to traveling, but have you ever thought of how great will be the experience of living there by owning a plot?
Living in South India can be a transformative experience, offering a serene and peaceful environment away from the hustle and bustle of city life. The region’s pleasant climate, lush greenery, and proximity to scenic landscapes make it an ideal place to own a plot.
Moreover, South India’s booming economy and rapid urbanisation have led to the development of world-class infrastructure, including schools, hospitals, shopping centers, and entertainment hubs, ensuring a comfortable and convenient lifestyle for residents.
This article will help you understand the various plot schemes in South India and how one can apply and avail the benefits of these schemes.
Benefits of Taking a Plot in South India
Taking a plot in South India can be beneficial for several reasons:
- The Indian real estate market is projected to grow at a CAGR of 7.9% by 2027. South Indian cities like Bangalore, Chennai, and Hyderabad are expected to be major growth drivers due to strong IT sectors and infrastructure development.
- Bangalore has an average return of 8.98%. This means you can expect a good return on your investment by renting out the property.
- While property prices across India are rising, South India still offers relatively affordable options compared to metros like Mumbai and Delhi.
- For instance, the average price per square foot in Delhi can be over ₹10,000 while Bangalore offers options closer to ₹6,000 per square foot.
- South India enjoys a tropical climate with pleasant weather year-round. This eliminates the need for extreme heating or cooling systems, leading to lower energy bills.
Check: Various plot scheme in Uttar Pradesh
Various Plot Schemes in South India
South India includes the states of Andhra Pradesh, Telangana, Karnataka, Tamil Nadu, and Kerala. In South India, plot schemes are managed and overseen by various organisations and government bodies dedicated to urban development and housing. These organizations work towards enhancing the quality of life for residents by offering affordable and sustainable housing options, contributing to the overall development and welfare of communities in South India.
The various Plot Schemes in South India include:
Karnataka Housing Board Plot Schemes
The Karnataka Housing Board offers a range of affordable housing schemes tailored for higher-income, middle-income, and lower-income groups. These schemes are categorised based on the urban and rural areas of Karnataka, allowing individuals to select housing options that suit their needs and preferences.
The currently running schemes are:
Urban Schemes
There are 4 urban schemes that are currently a part of Karnataka Housing Board Schemes 2025. They are:
| Scheme | Description |
| Pradhan Mantri Awas Yojana – Urban (PMAY-U) | Provides affordable housing for economically disadvantaged sections in Karnataka.Karnataka has constructed 3,09,324 homes under PMAY-U since 2015.The scheme also offers a subsidy on house loan interest. |
| Devraj Urs Housing Scheme Urban | Provides affordable housing for urban residents of Karnataka.The scheme offers financial aid from the Government to eligible individuals to build their homes. |
| Vajpayee Urban Housing Scheme Regular | Provides monetary support to disadvantaged sections of society in Karnataka.The scheme assists beneficiaries in building homes based on their income category. |
| B R Ambedkar Nivas Yojana Urban | It aims to assist members of the SC/ST communities in Karnataka.The scheme offers financial assistance of up to INR 1.20 lakh to beneficiaries for building a new home or renovating an existing one. |
Rural Schemes
There are 3 rural schemes that are currently a part of Karnataka Housing Board Schemes 2025. They are:
| Scheme | Description |
| Basava Housing Scheme | This scheme provides low-cost housing options to economically disadvantaged individuals in rural areas of Bangalore, and Karnataka.Beneficiaries from diverse backgrounds, including SC/ST, OBC, and minorities, are eligible to avail of this housing scheme. |
| Pradhan Mantri Awas Yojana – Gramin (PMAY-G) | This housing scheme provides financial assistance to individuals who cannot afford a pucca house.Under PMAY (G), beneficiaries in rural areas are identified through a socio-economic and caste census (SECC). |
| Devaraj URS Housing Scheme | The scheme provides affordable housing options to low-income groups and economically weaker sections in rural Bangalore and Karnataka.Financial assistance for beneficiaries is determined based on their income level and eligibility criteria. |
Tamil Nadu Housing Board Plot Scheme 2025
The Tamil Nadu Housing Board (TNHB) was established in 1961 to address the housing needs of the populace. Its primary objective is to provide housing for all, utilizing innovative construction technologies and high-quality materials.
Tamil Nadu Housing Board operates under the Department of Housing and Urban Development of the State government. The housing projects cater to various income groups, including the Economically Weaker Section (EWS), Lower Income Group (LIG), Middle Income Group (MIG), and Higher Income Group (HIG). TNHB is divided into 12 sub-divisions, which include:
- Anna Nagar Division
- Besant Nagar Division
- Foreshore Estate Division
- JJ Nagar Division
- KK Nagar Division
- Nandanam Division
- Special Project I Division
- Special Project II Division
- Vellore Housing Unit
- Villupuram Housing Unit
- Wood Working Unit Division
- South Asian Federation Games Village Division
The currently running schemes include:
| Scheme | Description |
| Besant Nagar Division | In the Besant Nagar Division, TNHB offers flats in different areas of Sholinganallur and Indra Nagar through a lottery system. To apply, you must first pay 5% of the unit cost as a fee, which varies based on your income group. Applicants are selected randomly, and if you are not chosen, the entire application fee is refunded. If selected, you must pay an additional 5% for the provisional allotment order, with the remaining 90% due within 30 days. |
| Thanjavur Housing Division | The Thanjavur Housing Division of TNHB offers various schemes, including the Tamil University Campus Self-Finance Scheme, Pattukottai Self-Finance Scheme, Thanjavur Scheme, and Tamil University Campus NH Scheme. Each scheme has its own specifications and is categorized into different segments under the TNHB scheme. |
| Trichy Housing Division | The Trichy Housing Division serves the housing needs of Tamil Nadu residents in areas like Pudukottai, Navalpattu, Valavanthankottai, and others. This scheme offers land for opening shops, commercial units, and other service enterprises within the state. Plots are allotted through open auctions, allowing for the establishment of educational centers like playschools. To apply for the scheme, a payment of 15% of the total price is required to secure your plot. |
| TNHB J.J. Nagar Division Scheme | The TNHB J.J. Nagar Division Scheme allocates properties situated in Nolambur Phase-1, Ambattur (DUNLOP), Ambattur Ph-I & II, and Mogappair Eri to its members. Upon receiving the allotment letter, beneficiaries are required to pay the total project cost within 30 days. |
| TNHB Coimbatore Housing Unit Scheme | The TNHB Coimbatore Housing Unit Scheme is exclusively available to individuals in the High-Income Groups (HIG) and Middle Income Group (MIG) categories. Applicants in these categories can apply for house construction and must follow the self-finance payment mode. |
| TNHB Hosur Housing Unit Scheme | The TNHB Hosur Housing Unit Scheme offers unsold flats in the Hosur area to individuals in the Economically Weaker Sections (EWS), Lower Income Groups (LIG), Middle-Income Groups (MIG), and High-Income Groups (HIG). These houses are available on a first-come, first-served basis and must be purchased outright. |
Kerala Housing Board Plot Schemes
The Kerala State Housing Board oversees the direction and planning of various housing initiatives in Kerala. Operating under the Kerala State Housing Board Act 19 of 1971, it is mandated to execute housing development and loan projects to fulfill the diverse housing needs of the citizens.
The Kerala State Housing Board plays a pivotal role in implementing the housing policies of the Kerala government, with a mission to ensure that everyone in Kerala has access to safe and affordable housing.
The currently running schemes include:
| Scheme | Description |
| Grihasree Housing Scheme | The Grihasree scheme, initiated by the Kerala Housing Board, aims to provide housing benefits to those in need. The scheme is currently accepting applications, and eligible for people who own three cents of land can receive a government subsidy of INR 2 lakh. It is required that the housing construction be completed within one year of receiving the first installment. |
| MN Laksham Veedu Punarnirmana Padhathi housing scheme | The MN Laksham Veedu Punarnirmana Padhathi housing scheme allows for the conversion of twin houses into two single units. It offers concessions on the reconstruction costs required for this conversion. |
| Suraksha Housing Scheme | The Suraksha Housing Scheme entails the State government providing a capital subsidy of INR 9,000 per house, with the beneficiary making a voluntary contribution of INR 2,000. Additionally, a construction loan of INR 19,000 is available for a building costing INR 30,000. |
| Innovative Housing Scheme | The Innovative Housing Scheme involves constructing residential flats on government land for economically weaker section (EWS) laborers who have been displaced in urban areas. |
| New Suraksha Housing Scheme | The New Suraksha Housing Scheme evaluates the construction cost of a house at INR 1 lakh, with a plinth area of 30 sq m, against the current loan amount of INR 30,000. Under this scheme, the government subsidy is increased to INR 25,000, compared to the previous plan’s subsidy of INR 9,000. |
Andhra Pradesh State Housing Corporation Limited Plot Schemes
The Andhra Pradesh State Housing Corporation Limited (APSHCL) serves as the nodal agency for implementing centrally-sponsored housing schemes in Andhra Pradesh, including AP Housing.
APSHCL offers financial and technical assistance to developers for constructing homes for the weaker sections of society.
APSHCL has received recognition for its commendable work, particularly in the YSR Kadapa district, where 4.89 lakh homes were constructed. Another significant achievement is the construction of 25 lakh homes over a five-year period.
Read About YSR Housing Scheme 2025
APSHCL has also facilitated same-day property registration and provided home loans to the poor at interest rates as low as 25 paise for loan amounts ranging from INR 2 lakhs to INR 5 lakhs. As a result of its remarkable efforts, APSHCL has been designated as the eighth ‘Navarathna’ in the Andhra Pradesh government’s manifesto.
The currently running schemes include:
| Scheme | Description |
| PMAY-YSR Urban Housing Scheme | The PMAY-YSR Urban Housing Scheme, a collaborative effort between the central and state governments, aims to provide pucca houses to the urban poor, middle-income section, and lower-income groups. The central government has already sanctioned INR 5,000 crores for the scheme, while the state has allocated INR 1,000 crores for this purpose. |
| PMAY-YSR Gramin Housing Scheme | Under this scheme, beneficiaries receive free land, with one cent of land provided in urban areas and 1.5 cents in rural areas. Beneficiaries are allowed to modify and undertake additional construction in their units. They can also choose between ready-made construction or opt for monetary assistance of INR 1.8 lakhs to build according to their requirements. As of December 25, 2020, approximately 30 lakh home site pattas were ready for distribution. The construction of these homes will be carried out in two phases. |
Telangana Housing Board
The Telangana State government established the Telangana Housing Board (THB) in 2014, following its separation from Andhra Pradesh, with the aim of providing affordable housing. The THB operates in several key areas:
- Constructing affordable houses under integrated/composite housing schemes.
- Allotting houses to lower-income groups, middle-income groups, and higher-income groups.
- Implementing self-financing schemes for the High-Income Groups and Middle-Income Groups sections of society.
- Constructing commercial complexes, shops, and other multistory buildings for rent.
The currently running schemes include:
| Scheme | Description |
| 2 BHK housing scheme | The Telangana government initiated the 2 BHK housing scheme in 2015 to provide free houses to impoverished individuals in rural areas. The scheme targets those unable to secure a loan or afford a home. The Telangana State Housing Corporation Limited is dedicated to delivering these homes to eligible beneficiaries with the objective of enhancing the living standards of economically disadvantaged individuals by offering them safe and dignified housing |
| Indiramma Housing scheme | The Indiramma Housing scheme by the Telangana government offers monetary assistance of Rs 5 lakh to eligible poor individuals for building a house on their own land. The scheme also extends this amount to homeless and landless residents of the state. Scheduled tribe and scheduled caste beneficiaries are entitled to receive Rs 6 lakh as financial assistance. |
Plot Schemes in South India – How to Apply
- Visit the official website of the state government or the specific authority managing the scheme to check for the latest plot scheme details, including eligibility criteria, plot sizes, locations, and application timelines.
- Next, register on the official portal of the authority managing the scheme. This may involve providing personal details and creating a login ID and password.
- Fill out the application form online or obtain a physical copy from the designated offices. Provide all required details accurately and attach necessary documents, such as identity proof, address proof, bank statements, etc.
- Pay the application fee through the designated mode of payment. The fee amount and payment details will be specified in the scheme notification.
- Submit the filled application form along with the required documents and proof of fee payment before the deadline.
- After the application deadline, the authority will conduct a draw of lots to allocate plots. In the case of most plot schemes in South India, an e-auction is conducted that allows buyers to bid for the plots online Check the scheme notification or website for the draw date and results.
- If your name is selected, you will be issued an allotment letter. This letter will contain details of the allotted plot, payment schedule, and other relevant information.
- As per the allotment letter, make the required payments within the specified timelines. Failure to pay on time may result in the cancellation of the allotment.
- Once you have made all payments, the authority will issue a possession letter. You can then take possession of the plot and start the process of construction or development as per the rules and regulations.
Things to Consider Before Buying a Plot
1. Location and Connectivity
It is more convenient to buy plots in areas where there is good connectivity to major highways, Metro routes, and essential services like hospitals and schools.
2. Infrastructure and Amenities
Before purchasing a plot, it is essential to cross-check the amenities provided within the plot scheme, such as water supply, electricity, drainage, and community facilities.
3. Legal Due Diligence
Make sure to conduct thorough legal checks to ensure the plot has clear titles, and the scheme aligns with all regulatory guidelines and laws.
4. Future Development Plans
Look for more plans or developments ahead in the vicinity in order to predict the rise or decline in the value of the property you buy.
Conclusion
Investing in Plot schemes in South India can be a great opportunity, given the city’s strategic location and its ongoing infrastructure and urban development projects. Whether for residential, commercial, or industrial purposes, careful consideration and due diligence are key to making a sound investment. Unlock the potential of your investment with OneNDF’s expert guidance and access to the best financing options. Visit now
Frequently Asked Questions
1.What is the tenure for a loan for the housing schemes of Karnataka?
The tenure for a loan for the housing scheme in Karnataka can vary among lenders but is typically up to 30 years.
2.How much loan can I get to purchase a plot in Andhra Pradesh?
The loan amount you can get depends on various factors such as your income, credit score, property value, and the lender’s policies. Generally, lenders offer up to 70-80% of the plot’s value as a loan.
3.What is the one lakh housing scheme in Kerala?
The ‘One Lakh Housing Scheme,’ launched in 1972, was a pioneering initiative in Kerala. It aimed to provide permanent homes for landless agricultural labor households who had not yet received homesteads under the Kerala Agrarian Relations Act.
4.What is the process for transferring a plot in Tamil Nadu?
The process for transferring a plot in Tamil Nadu involves obtaining a no-objection certificate (NOC) from the concerned authority, executing a transfer deed, and paying the applicable transfer fees.
5.What is the repayment period for loans under the Telangana Housing Board?
The repayment period can vary depending on the loan amount and the scheme. A home loan, is typically 5 years to 20 years, allowing beneficiaries to repay the loan in affordable installments.
