BMC Opens Sale of 426 Affordable Homes in Mumbai: Key Dates, Prices, and How to Apply

Mumbai’s civic body has kicked off its first independent online lottery to sell 426 affordable housing units meant for Economically Weaker Section (EWS) and Low-Income Group (LIG) buyers. Applications open on October 16, 2025, and close on November 14, 2025, via the official portal bmchomes.mcgm.gov.in. The shortlist goes live on November 18, the draw is on November 20, and the results are announced on November 21.

Where are the flats and what do they cost?

1. Locations: Kandivli, Bhandup, Byculla, Kanjurmarg, Jogeshwari, Goregaon.
2. Indicative price range: roughly ₹55 lakh to ₹1 crore, depending on size and location.
3. Target segments: EWS and LIG categories, offered under DCPR 2034 inclusive housing provisions.

Why does this Lottery Matter?

This is the BMC’s first independent lottery, rather than a state housing board process, which the corporation says should streamline allotments and trim admin costs. The city also expects to raise revenue through the sale.

Application Timeline:

Payment Schedule After Allotment

• 25% payment within 30 days of the date of the offer letter.
• Remaining 75% within 60 days.
• 12% interest for late payment (15 days grace).

Key Highlights of the BMC Housing Lottery

The BMC Housing Lottery is giving away 426 units that are located in prominent Mumbai locations:

Location-Wise Distribution of Flats

Price Range and Market Comparison

Suggested read: Affordable Housing Localities in Mumbai

How to Apply for the BMC Housing Lottery 2025?

1. Visit bmchomes.mcgm.gov.in and access the housing lottery section.
2. Read the brochure for eligibility, documentation, and unit details. The booklet is available from Oct 16.
3. Complete the online form and pay the application fee and deposit by Nov 14.

Tip: Keep income proofs, ID/address documents, and bank details handy to avoid last-minute errors.

Documents required for BMC Housing Lottery 2025

To apply for the BMC affordable housing scheme, applicants need to keep the following documents ready:

• Identity Proof: A valid Aadhaar Card and PAN Card are mandatory for verification.

• Aadhaar Verification: Ensure that the mobile number linked to your Aadhaar is active, as it will be used for OTP verification and communication.

• Proof of Residence: If the address on your Aadhaar Card differs from your current residence, you must provide an additional proof of address document.

• Maharashtra Domicile Certificate: A Domicile Certificate issued by the Tahsildar or Sub-Divisional Officer confirming your age, domicile, and nationality is required.

• Proof of Income (Applicant):

  • For married, unmarried, widows, widowers, divorced, or separated applicants, submit either the Income Tax Return (ITR) for the financial year 2024–2025 or an Income Certificate for the same year issued by the Tahsildar.

• Proof of Spouse’s Income:

  • If applicable, provide your spouse’s ITR or Income Certificate for the year 2024–2025 issued by the Tahsildar.

  • The document should be in the name of the applicant or their spouse.

What does this mean for Homebuyers?

1. More options within city limits: Getting supplies in established areas like Byculla, Goregaon, and Kandivli is rare for budget segments. Even small ticket units here can cut commute time and improve access to jobs and transit.
2. Check real affordability: While tagged “affordable,” ticket sizes around ₹55 lakh–₹1 crore will still stretch many EWS/LIG budgets. Evaluate EMIs, stamp duty, and maintenance before applying.
3. Transparent process and clear timelines: Fixed dates for shortlisting, draw, and results help you plan finances and documents.
4. Financing readiness matters: Pre-check your home loan eligibility, credit score, and down payment. If you win the draw, you will need quick financial closure.

Quick Eligibility and Financing Checklist

1. Confirm you fall under the EWS/LIG income bands defined in the brochure.
2. Keep recent ITRs/salary slips, address/ID proof, and bank statements ready.
3. Calculate EMI for your shortlisted price point. As a ballpark, at ₹70 lakh over 20 years, even a single-digit rate can mean a sizeable monthly outgo.
4. Budget for stamp duty, registration, GST (if applicable), society deposits, and initial fit-out.
   

If you have a stable income, some savings for the down payment, and you are comfortable with the EMI, this lottery is worth a serious look. Start the documentation now, shortlist preferred locations, and apply well before November 14 to avoid the portal rush.

Suggested read: Affordable Housing in Navi Mumbai

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