Maharashtra New Housing Policy 2025: Majhe Ghar, Majha Adhikar

Rashi Sood

Last Updated on 12th June 2025

The Maharashtra government launched its new housing policy 2025, Majhe Ghar, Majha Adhikar (My Home, My Right) on May 20, 2025. This new housing policy by the Maharashtra government aims to provide affordable, sustainable, and inclusive housing to various sections of society. The policy focuses on transparency, real-time monitoring, and accountability and leverages IT-based systems to track beneficiaries, monitor project progress, and manage funds effectively. This marks a significant update, as the previous housing policy in Maharashtra was last introduced 18 years ago, in 2007. Majhe Ghar, Majha Adhikar targets constructing 35 lakh affordable homes by 2030 with an investment of ₹70,000 crore, setting a bold vision for urban development.

Table of Contents

Majhe Ghar, Majha Adhikar
Key Features of the Majhe Ghar, Majha Adhikar Policy
Expected Real Estate Impact of the New Maharashtra Housing Policy 2025

Majhe Ghar, Majha Adhikar: Vision and Objectives

The core objective of the policy is to ensure housing for all by 2030. The government plans to achieve this by:

Constructing 35 lakh affordable homes by 2030
Utilizing ₹70,000 crore in investments
Promoting inclusivity by catering to various segments, including Economically Weaker Sections (EWS), Low-Income Groups (LIG), senior citizens, working women, students, industrial
workers, and other marginalized communities
Implementing sustainable and disaster-resilient construction practices
Enhancing transparency and accountability through digital governance

Suggested read: YEIDA’s Plot Scheme

Key Features of the Majhe Ghar, Majha Adhikar Policy

1. Affordable Housing Initiatives

The policy prioritizes the construction of affordable homes for the EWS and LIG categories. Key initiatives include:

Rent-to-Own Models: Allowing working women, students, and industrial workers to occupy homes for up to 10 years with the option to purchase them thereafter.
Affordable Rental Housing: Developing rental housing near major hospitals for patients’ families and near employment hubs to reduce commute times.

2. Self-Redevelopment Support

To rejuvenate aging housing societies, the policy introduces:

₹2,000 crore allocation for self-redevelopment projects.
Dedicated Cell to assist cooperative housing societies with planning, funding, developer selection, and project execution.

3. Government Land Bank

The government aims to create a land bank for residential use by 2026, coordinated across various departments. This initiative will:

Reduce land acquisition hurdles.
Ensure the availability of land for affordable housing projects.

4. Walk-to-Work Housing

Supporting the ‘Walk-to-Work’ concept, the policy mandates that 10–30% of land designated for amenity plots in industrial areas be reserved exclusively for residential use. This will:

Promote housing near employment hubs.
Enhance the quality of life by reducing commute times.

5. Slum Rehabilitation and Redevelopment

The policy emphasizes slum rehabilitation through a cluster redevelopment approach, including:

Tripartite agreements between housing societies, developers, and authorities.
Incentives for developers to undertake redevelopment projects.
Formation of a state-level grievance redressal committee to monitor project delays and mediate disputes.

6. Sustainable and Climate-Resilient Housing

To combat climate risks, the policy promotes:

Green building practices include thermal-resistant materials, rooftop gardens, and energy-efficient infrastructure.
Incentives for eco-friendly construction materials.
Promotion of solar energy, rainwater harvesting, and waste management.

7. Digital Governance and Transparency

The policy introduces the Maha Awas Portal, a centralized digital platform powered by artificial intelligence. This portal will:

Integrate data on housing demand and supply.
Coordinate with systems such as MahaRERA, Mahabhulekh, and PM Gati Shakti.
Monitor fund allocation and district-wise land acquisition.
Ensure transparency in beneficiary selection and project execution.

8. Inclusivity and Special Housing Schemes

Recognizing the diverse needs of its population, the policy includes special housing schemes for:

Senior Citizens: Incentives for senior living projects, including reduced stamp duty and relaxed norms for Floor Space Index (FSI) and taxation.
Students: Development of student housing near educational institutions.
Differently-abled Persons: Inclusive housing designs catering to accessibility needs.
Journalists, Artists, Freedom Fighters, and Mill Workers: Special provisions to honor their contributions.
Industrial Workers: Affordable housing near industrial zones to promote the ‘Walk-to-Work’ model.

Suggested read: GPRA Housing Scheme

Expected Real Estate Impact of the New Maharashtra Housing Policy 2025

The implementation of this policy is expected to:

Increase the affordable housing stock in the state.
Revitalize aging housing societies through self-redevelopment.
Reduce slum areas via cluster redevelopment.
Promote sustainable urban development through green building practices.
Enhance transparency and accountability in housing projects.
Improve the quality of life for residents by reducing commute times and providing access to amenities.

Majhe Ghar, Majha Adhikar is Maharashtra’s new housing policy that marks a significant step towards addressing the state’s housing challenges. By focusing on affordability, inclusivity, sustainability, and resilience, the policy aims to provide housing for all by 2030. The comprehensive approach, including self-redevelopment support, government land utilization, walk-to-work housing, slum rehabilitation, and digital governance, sets a robust framework for urban development in the state.

FAQs about Majhe Ghar, Majha Adhikar

What is the ‘Majhe Ghar, Majha Adhikar’ housing scheme?

The ‘Majhe Ghar, Majha Adhikar’ housing scheme is a comprehensive initiative launched by the Maharashtra government to provide affordable, sustainable, and inclusive housing for various sections of society. The policy focuses on offering quality residences to Economically Weaker Sections (EWS), Low-Income Groups (LIG), and other marginalized communities.

Who is eligible to apply under this scheme?

The eligibility criteria for applying under the ‘Majhe Ghar, Majha Adhikar’ housing scheme are primarily aimed at those from lower-income groups and marginalized communities. The following groups are eligible:
EWS and LIG
Senior citizens, students, and working women
Differently-abled individuals and those from other vulnerable sections
Industrial workers and journalists with specific provisions
Cooperative housing societies looking to redevelop their properties
Please note that the applicants must meet specific income limits and residence criteria, which will be clarified during the application process.

What types of houses are provided through this policy?

The policy provides affordable housing in the form of:
Rent-to-own models that allow residents to rent a house for a period (up to 10 years) with an option to buy.
Affordable rental housing, especially near industrial areas and hospitals.
Self-redevelopment homes for cooperative housing societies.
Sustainable, climate-resilient houses designed using green building practices, including energy-efficient technologies and eco-friendly materials.
Special housing for senior citizens, students, and differently-abled individuals.

Is any subsidy or financial assistance available under the scheme?

Yes, the ‘Majhe Ghar, Majha Adhikar’ housing policy offers financial assistance and subsidies in various forms:
Subsidized housing for EWS and LIG categories to ensure that homes are affordable for low-income groups.
Low-interest loans and subsidized rates for applicants, especially for those from vulnerable categories.
Special incentives for redevelopment projects, including tax breaks and funding assistance for cooperative housing societies.
Rent-to-own schemes offer affordable payment options for those who may not have immediate access to a home loan.

How can one apply for a house under this policy?

Applications for a house under the ‘Majhe Ghar, Majha Adhikar’ housing scheme can be made through the Maha Awas Portal.
Are there any reservation quotas for specific categories?
Yes, the ‘Majhe Ghar, Majha Adhikar’ housing policy includes reservation quotas for certain categories, including:
EWS and LIG, ensuring a significant portion of houses are allocated to these groups.
Senior citizens, students, and working women benefit from reserved housing near educational and employment hubs.
Differently-abled individuals will receive specially designed homes to meet their accessibility needs.
Industrial workers are prioritized for housing near industrial zones under the ‘Walk-to-Work’ model.

What is the process of beneficiary selection under the scheme?

The selection process for beneficiaries under the ‘Majhe Ghar, Majha Adhikar’ scheme is carried out in a transparent and systematic manner. Key steps in the process include:
Application submission via the Maha Awas Portal.
Document verification to confirm eligibility.
Randomized selection through a lottery system or other fair methods for those who meet the criteria.
Real-time tracking via the portal to ensure transparency and prevent fraud.
Final approval by local authorities and government officials.
Applicants can track the status of their application and check the details of their selection process through the Maha Awas Portal.

Can individuals who already own a house apply for this scheme?

In most cases, individuals who already own a house may not be eligible for the scheme, as it primarily targets those without adequate housing. However, there are specific provisions for individuals looking for:
Self-redevelopment options, where cooperative societies can apply for the redevelopment of their existing properties.
Affordable rental housing options or rent-to-own models if their current housing situation does not meet their needs.
The final eligibility will depend on the specific conditions outlined in the policy and the applicant’s current housing status. For those seeking redevelopment options, there may be allowances for participation if they meet specific criteria.