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Saturday, May 5, 2012

MHADA HOUSING LOTTERY 2012 FOR MUMBAI AND KONKAN

The Maharashtra Housing and Area Development Authority has announced the MHADA flats for Mumbai and Konkan region. The applications acceptance would be started on 3rd May 2012 from 2:00 pm. The last date of accepting applications would be 23rd May 2012 till 6:00 pm.  Check out the link to apply for the housing scheme online as per the category details below.


Categeory
Gross Monthly Household Income of the Family


EWS
Upto Rs. 8,000/-
LIG
Rs. 8,001/- to 20,000/-
MIG
Rs. 20,001/- to 40,000/-
HIG
Rs. 40,001/- and Above





Best of Luck !!

Source : MHADA.ORG


Older Comment and Replies Have been posted as a New Post. All comments and replies from 5/May/2012 to 15/May/2012 have been moved to MHADA 2012 COMMENTS AND REPLIES

For Updated  Information on MHADA Results for MAY 2012
Refer post MHADA LOTTERY RESULTS MAY 2012

204 comments:

  1. hello Ganesh

    I have heard that the income group is based on (Basic+DA+bonus) and not the whole gross salary .Please clarify this doubt ?

    ReplyDelete
  2. Hi,
    For MHADA application Ration card is acceptable for residential proof?
    Nigra

    ReplyDelete
  3. Hi,
    I am confused on the salary components used for calculation.
    Following are the components of my payslip
    1. basic
    2. conveyance allowances
    3.education allowances
    4. hra
    5. lunch allowances
    6. special allowance
    7. monthly pi
    Could u please highlight which of the above should be used?

    Also I have yearly bonus and pi as seperate...

    ReplyDelete
    Replies
    1. Just Exclude the HRA and Conveyance Allowance part. Rest all need to be considered.

      Delete
    2. thanks ganesh
      should LTA also be excluded?

      Delete
    3. Only Conveyance and office travel charges is excluded, LTA has to be included in the income portion.

      Delete
  4. Ganesh
    In which bank in Pune can i submitt the completed application with the DD

    ReplyDelete
    Replies
    1. On MHADA website you can find a link directing to AXIS Bank branches URL is https://lottery.mhada.gov.in/results/publishdata/booklet/booklet.html

      Delete
  5. Hi Ganesh,
    You are doing great job. Kudos.

    My mother earns Rs 25,000 pm and father earns Rs 50,000 pm.
    I have filled one form under my mother's name as total income stands in HIG as well separate form for father under HIG?
    Is it valid? I haven't made payment yet. Please advice.

    ReplyDelete
    Replies
    1. Hope none of you own a house in your name if you are single.
      If you are married your mom and dad should not be owning a house in either of their names.

      You would be eligible in this case with the above conditions.

      Delete
    2. Thanks for reply Ganesh.

      My mom and dad dont own house in Mumbai but in Kalyan.
      My question was can they apply two separate forms under General Public category, 273 Powai under HIG sceme as separate individuals?
      Or their total income will be considered as one entity under total family income ans so they cant apply separately?

      Delete
    3. They can apply in 2 different application individually with the total family income.

      Delete
    4. Hi Ganesh,

      Really thanks for all the information which is shared, i got many information while referring to your replies. You are doing a great job.

      Best regards
      Vishal

      Delete
  6. Could you inform me the availability of loan facility with canara bank. Also is it possible to register the property on my daughters name.

    ReplyDelete
    Replies
    1. The applicant should furnish the required documents with income proof for all applicants to MHADA. The allotment would done on the primary applicant and secondary if included. You can include you daughters name as a second applicant even if she is not having a income. You , your spouse or your daughter should not be owning any residencial property in the mumbai/konkan to be eligible for applying for MHADA flat. Loan is posible from any bank after allotment, as the property provided by MHADA has a clear title.

      Delete
  7. Since 32 yrs i m living in mumbai , till 2004 i was in Mahim (Dharavi)then we shifted to Mira Road. Now from where i apply for Domilice Certificate , in thane (dist) or in Mumbai.

    ReplyDelete
    Replies
    1. You need to apply the domicile certificate, where you currently live. Your case would be Thane.

      Delete
    2. But Ganeshji my Ration Cards belongs to Mahim Address.We didn't made new ration card for mira road address.

      Delete
    3. You can have multiple proofs, if ration card is your primary poof . You can use it as a permanent address and submit the documents and application for mumbai district. You can also submit electric bills,telephone bills,as residential proof. i

      Delete
    4. You can have multiple proofs, if ration card is your primary proof . You can use it as a permanent address and submit the documents and application for mumbai district. You can also submit electric bills,telephone bills,as residential proof.

      Delete
  8. can any one tell me more about point 12.2,12.3,12.4 i m having difficulty understanding them

    ReplyDelete
    Replies
    1. Request you to let me know the booklet u are refering. i am not able to find the points. Also mention the page nos.

      Delete
    2. i m talking about the below points on the lottery form
      12.2 In whose name the tenancy or ownership stands
      12.3 Whether the applicant has intention to reside in the tenement itself? *
      12.4 Whether the applicant has intention to settle at the place where he intends to purchase the tenement? *

      Delete
    3. 12.2 Write the name of the person who is owning the premises you live in case of ownership.In case it is rented, the name of the tenant.
      12.3 Yes, if u want to reside in the MHADA flat.
      12.3 Yes, if u want to settle in the MHADA flat.

      Ps : MHADA flat cannot be given on rent or can be sold nor can transfered for minimum of 5 years.

      Delete
  9. Sir i m trying to download to procepect form but i can't i want to know the dposit amount and whether i can pay it Via Online transfer?

    ReplyDelete
    Replies
    1. You have to make payment by DD only. There is no online payment option.

      Delete
  10. Hi Ganesh,

    Me and my brother work in a bank and my father is an Ex-Serviceman.

    Our total family income is more than INR 40,001/-.

    Kindly advise can my father apply under the Ex-Serviceman category for HIG flats???

    In case yes, then income proof needs to be provided only by my father or all 3 of us (me, my brother and my father).

    ReplyDelete
    Replies
    1. Your father can apply alone in the ex-service man category. You too cannot be co-applicant in the same. Also your father/mother need not be owning any property in mumbai/konkan to be eligible.

      Delete
    2. Thanks for the clarification Ganesh, we do not hold any property in the Mumbai/Konkan region.

      We would like to apply for the HIG flats, as I have mentioned earlier our total family income exceeds INR 40,001/- can my father opt for HIG under Ex-Serviceman category because he withdraws a pension of INR 6000/month.

      Delete
    3. In This case you need to apply as a co-applicant.

      Delete
  11. sir,
    My brother in low already have two flats in kandivali and one in nalasopara and he was going to apply for this scheme.

    how can mhada to take action against this type of people

    ReplyDelete
    Replies
    1. MHADA does a check on the information provided by applicant. Also if MHADA knows later after allotment of some false information, the allotment offered can be cancelled and flat been sealed.

      Delete
  12. What Is the process after printing out the application receipt?
    Also Which documents are required to be given along with the application?

    ReplyDelete
    Replies
    1. You would need the dd , printed form and photo and nothing else while submitting the application.

      Delete
    2. Follow the steps given below after submitting the Online Lottery Application
      1. Acknowledgement slip mentions the total amount that should be paid along with the application (EMD + Application processing fees).
      2. Draw up a DD of this amount
      3. Mention the DD details (DD number, Date & Drawn on Bank details) on the printed copy of acknowledgement slip
      4. Affix your photograph on the printed copy of the acknowledgement slip and sign the same
      5. Submit this completed acknowledgement slip along with the DD to the designated bank (Refer to designated bank branch list)
      6. Collect your copy of the acknowledgement slip from the bank counter and ensure that it has a bank stamp on it
      Your application is now submitted to MHADA and will be considered for Lottery. Visit this website again to check the eligibility of your application and lottery results.

      Delete
  13. GANESH, I WANT TO APPLY FOR MHADA IN THE NAME OF MY WIFE ONLY. I 'M IN BUSINESS BUT I HAVE NO BUSINESS INCOME IN THIS LAST YEAR. ONLY INTEREST INCOME IS AVAILABLE. HENCE I WANT TO APPLY IN THE NAME OF MY WIFE WHO IS SALARIED. DO I NEED TO SHOW MY PAN No.OR MY INCOME ? CANT I LEAVE IT BLANK...AND JUST APPLY INDIVIDUALLY ONLY ON MY WIFE'S STRENGTH

    ReplyDelete
    Replies
    1. Sir

      I seek some clearity with respect to 12.3 & 12.4

      12. Details about present Accomodation

      12.3 Whether the applicant has intention to reside in the tenement itself? * : No

      12.4 Whether the applicant has intention to settle at the place where he intends to purchase the tenement? Yes

      1. I want to know whether tenement is with respect to our present residential address or with respect to MHADA flats? and Whether my answers make me eligible to get MHADA flats?

      2. My income is roughly around 36400. Can I mention a round figure of 36000? As DA arrears where recieved in between months of the previous financial year, which is not mentioned in pay slip, should I incorporate those figure for calculation of salary?

      Thanks in anticipation

      Vijay

      Delete
    2. You can apply in your wife's name and pan card for spouse is optional. MHADA may ask the detailed income of the spouse if they feel it necessary.

      Delete
    3. Hi Vijay,

      The options are for MHADA flats and what you intend to do with it. Are you planning to stay for some time or are you planning to stay there permanently. MHADA does not allow to sell or rent or transfer the alloted flat for 1st 5 years. So it would be Yes if you plan to reside there.

      Delete
  14. Sir

    I seek some clearity with respect to 12.3 & 12.4

    12. Details about present Accomodation

    12.3 Whether the applicant has intention to reside in the tenement itself? * : No

    12.4 Whether the applicant has intention to settle at the place where he intends to purchase the tenement? Yes

    1. I want to know whether tenement is with respect to our present residential address or with respect to MHADA flats? and Whether my answers make me eligible to get MHADA flats?

    2. My income is roughly around 36400. Can I mention a round figure of 36000? As DA arrears where recieved in between months of the previous financial year, which is not mentioned in pay slip, should I incorporate those figure for calculation of salary?

    Thanks in anticipation

    Vijay

    ReplyDelete
    Replies
    1. 1. The options are for MHADA flats and what you intend to do with it. Are you planning to stay for some time or are you planning to stay there permanently. MHADA does not allow to sell or rent or transfer the alloted flat for 1st 5 years. So it would be Yes if you plan to reside there.
      2. Your approx rounded off income would do. Exact figure would be necessary if your income is closer to 2 income groups eg 8000,20000,40000.

      Delete
  15. Hi Ganesh, Thanks for your support. My gross monthly salary no is 21000 but last financial year it was 19000 which includes basic hra transport lta meal allowance special,medical and superannuation allowance. all are fixed components and available in all payslips. other than this i also get quaterly incentives which reflect in my payslip and form 16 too. should i add my incentive of last financial year in my income? which income should i consider. where can i get price details of mhada flats?? Please Help

    ReplyDelete
    Replies
    1. HRA / Travel Allowance are not be included, else all have to be included in the income.Your application should be made on the basis of total income earned during the period from 1/4/11 to 31/3/12 only excluding hra/travel.

      Delete
  16. I applied for domicile certificate and received for 10 years. can I apply for MHADA lottery?

    Raj

    ReplyDelete
    Replies
    1. You need to furnish proof for living for minimum 15+ years for domicile

      Delete
    2. You need to furnish proof for living for minimum 15+ years for domicile on MHADA HOUSING LOTTERY 2012 FOR MUMBAI AND KONKAN

      Delete
  17. i am unable get the informatory booklet from the website.. can someone please help me

    ReplyDelete
    Replies
    1. Request you following the below link :

      https://lottery.mhada.gov.in/OnlineApplication/index.jsp

      Select language as english. Download the information booklet from option 5.

      Delete
    2. thanks a lot buddy.. the link is quite helpful

      Delete
  18. Can i am to multiple schemes under HIG ???

    ReplyDelete
    Replies
    1. Yes, you can apply in multiple scheme in HIG but only one application per scheme

      Delete
  19. Dear Ganesh,

    How can I calculate the salary for application in Mhada. I am confused regarding salary components used for calculation.
    Following are the components of my payslip
    1. Basic Salary
    2. Conveyance Allowance
    3. Supplementary Allow (SL)
    4. HRA
    5. Medical Benefit Advance
    6. Suggestion Scheme (Special amount for suggestion is given only if suggestion is aceepted this is excluding CTC)

    Regards
    Abdul

    ReplyDelete
    Replies
    1. All incomes should be included except any HRA or conveyence or travel charges for official work.

      Delete
  20. Hi Ganesh,

    We do not hold any property in the Mumbai/Konkan region and we wanna apply for an HIG flat @ Powai. Our total family income is approx. 87,000/month (Mine- 40,000, Brother - 40,000, Father - 7,000 thru pension, he is an Ex-Navy)

    Request your guidance on the following scenarios :

    1) The salary mentioned above is inclusive of HRA+Travel Allo., which means that individually salary amounts to less then 40,001. In such a situation can me or my brother apply for an HIG flat as a primary applicant and a co-applicant vice-versa, also considering the fact that the family income is 87,000/month.

    2) Can my father apply under Ex-Serv. quota for an HIG flat, considering the fact his pension is 7,000 and the family income is 87,000/month.

    3) In case if I do not meet the HIG criteria, then can I apply for 2 different schemes under MIG.

    Thanks, ur insights r very helpful.

    Cheers !!!
    YKP

    ReplyDelete
    Replies
    1. Ganesh,

      One more clarification, as I have mentioned that my salary is inclusive of HRA+Travel Allo., which means that individually salary amounts to less then 40,001. In such a situation can I apply for an HIG flat considering the fact that the family income is 87,000/month.

      Thanks...

      Regards
      YKP

      Delete
    2. 1. Together you can apply for the HIG flat.Only one primary Applicant. The second applicant would be a co-owner. Both incomes would be considered.
      2. Your father can be a primary applicant with second applicant in HIG in the ex-service man quota.
      3. 2 brothers alone (single applicant) can apply in MIG scheme if income lesseor than 40k and above 20k.

      Please note that same primary applicant should not be appying for 2 different groups...i.e. HIG as well MIG.

      Delete
  21. Hello, I am a retired senior level individual (62yrs old) domiciled in mumbai..my monthly pension is around 20k...can i apply in mhada mumbai MIG or HIG group??

    ReplyDelete
    Replies
    1. Request you to calculate the total income from 1/4/2011 to 31/3/2012. Divide the same by 12. If it is lesser than 20k apply in LIG and if more than 20k apply in HIG.

      Delete
  22. Dear Ganesh,

    I was a working women 2yrs back but left job to take care of my kid..i am domiciled in mumbai..i stay at pune now..can i apply to mhada in my name taking into account my husband's salary which falls in HIG group..kindly advise..

    ReplyDelete
    Replies
    1. hI GANESH,

      WHAT IF I WIN AND MAKE INTO THE LOTTERY LIST AND THERE IS SOME KIND OF DOCUMENT SHORTFALL.

      wHAT IS DONE BY MHADA TEAM IN SUCH CASE

      Delete
    2. Yes you can apply with a husband as a co-applicant and primary name been yours and also your husband can apply individually as well as you as a co-applicant.

      Delete
  23. This comment has been removed by a blog administrator.

    ReplyDelete
  24. Ganesh,

    One more clarification, as I have mentioned earlier that the salary mentioned Rs.41000/- above is inclusive of HRA+Travel Allo., which means that salary amounts to less then 40,001. In such a situation can I apply for an HIG flat considering the fact that the family income is 87,000/month.

    Thanks
    YKP

    ReplyDelete
    Replies
    1. You cannot apply as a single applicant in HIG. Two Brothers cannot be counted a one single income unless they apply together as a co-owner. If you are married, you can count ur wife's income for becoming eligible for HIG. Your father can also be included, but not with a brother. 2 Brothers have to be co-applicants.

      Delete
  25. Hi Ganesh,

    Is it necessary to mention the details of family members(dad, mom, sister) in the application form along with their income?

    Also the property where i stay is not on my fathers name, it (land)belongs to my Grandfather(expired). But i give a rent of Rs 6000 to my father. So should i mention my fathers name or grandfathers name?

    Also my Ration card is on my Fathers name, even my name is highlighted on the same, but the date of issue is not printed on the Ration card, will they reject the application as date of issue is not mentioned?

    Thanks.

    ReplyDelete
    Replies
    1. If the property documents are in the name of the grandfather specify that. If you specify your fathers name, you would not be eligible for the draw as you would become the owning one house. Date of issue is a part of the ration card u may or may not face problem. You can furnish other supporting documents electricity bill, telephone bill as proof of address. Domicile also should be available for minimum of 15+ years

      Delete
    2. Family names needed to provided if they would be living in with you in the MHADA flat. Incomes are optional,only compulsory when there is co-applicant

      Delete
    3. Thanks for the reply!

      Do you mean that if father/ grandfather holds property on their name, then son cannot apply for MHADA?
      I dont have any propery/ land on my name in Maharashtra..

      We have land on grandfathers name, and is still not distributed amongst my father and his brothers.

      So what should be my answer for below questions?
      Also do i have to provide any proof if i selected rental option?

      Whether rental or on ownership basis * :
      In whose name the tenancy or ownership stands * :
      Whether the applicant has intention to reside in the tenement itself? * : Yes No
      Whether the applicant has intention to settle at the place where he intends to purchase the tenement? *

      Thanks Again!

      Delete
    4. refer point 1.2.1/1.2.3 pg 3 of the booklet, it says applicants spouse/son/daugther nor should be owning any land in his name.
      The son/dauther if married, can apply seperately.
      The land in grand father's name does not impact any one of the family member. As father been married, a clause applies to him directly. You as son also can apply and as well your mom can also apply as no property is in her husbands name. Father can apply seperately as he is married.
      You specify ownership in the name of grandfather, as i guess you have sufficient proof. Tenancy in the name of father/son does not matter. Application should reside in the flat otherwise why would MHADA allot the flat at a good price if not been used. MHADA flats are not for sell not can be rented for 1st 5 years so applicant has to settle in the bought flat.

      Delete
  26. I from Maharashtra,i have a flat in Pune on my name, basically i earn money through commission by helping to buy or sell things
    like a broker,
    i earn 10-20k monthly
    I have not payed any income tax till now
    Nor i have any Income proof
    I just want to apply as an investment,If i got the mhada flat luckily i can buy it without any loan,and dont want to sell it until 5 years,

    So i want to ask u am i aligible to apply??
    bcoz i have a flat on my name which dad gifted me and dont have any income proof
    plz guide me

    ReplyDelete
    Replies
    1. As a commission agent or business person, you would have to furnish the income tax returns as proof for income. If you have a pan card, you can submit the return online for the last year and that can be served as one of the proof for income.But probably they may ask 2 years return. Request you get more help on this by calling the helpdesk numbers.

      Delete
    2. Also if the flat that is owned by you is in mumbai/konkan you would not be eligible to apply in that scheme code.

      Delete
  27. If i make payment and I do not win in the lottery... wat would happen with my money?

    ReplyDelete
    Replies
    1. Your entire money is refunded back in 15-20 days except the Rs.50/- for application form that u pay.

      Delete
  28. Dear Ganesh,
    Could I get Mhada book let hard copy @ Ahmedabad (AxisBank or some where),as soft copy unable to retrive from Mhada website
    -Pravin Patil

    ReplyDelete
    Replies
    1. No, it is available only online as of now. Still you can try calling MHADA helpdesk for assitance. By the Site is easily accessible nowadays.

      Delete
  29. Hello Ganesh,
    it is very nice to see someone available for all help.
    I have 2 questions :
    1) My dad owns a flat in mira road, can my mom apply for Mira road, she is an insurance agent.
    2) If my dad owns a flat in his name in Mira road, am i , as a daughter eligible to apply.

    Thanx in advance for your help. :)
    -------Reene

    ReplyDelete
    Replies
    1. Assuming you are single, None of You can apply in mira-road, But yes you all can all apply in rest of Mumbai.
      If you are married, you and your partner (if not owning the house in mira-road) can apply in mira-road.

      Delete
  30. Hello Ganesh,
    If i dont win the lottery, will EMD money be refunded ?
    Also if i do win it, will it be counted as an amount towards total property price ?

    ReplyDelete
    Replies
    1. You will get the EMD money refund in case you don't win and if you win the earnest money would be adjusted for the future payments to be made to MHADA

      Delete
  31. This comment has been removed by a blog administrator.

    ReplyDelete
  32. Replies
    1. refer this site :
      https://lottery.mhada.gov.in/OnlineApplication/index.jsp

      Download it from option 5 (mahiti pushtak)

      Also try the link provided in the post.

      Delete
  33. I want to see booklet of the lotary but it is not available on mhada website

    ReplyDelete
    Replies
    1. refer this site :
      https://lottery.mhada.gov.in/OnlineApplication/index.jsp

      Download it from option 5 (mahiti pushtak)

      Delete
  34. Is service tax applicable for powai flats? Since they are completed already, i think service tax is not payable. Please clarify...

    ReplyDelete
    Replies
    1. Prospectus says that additional taxes would be applicable as per the law. For more clarification try MHADA helpdesk nos. appearing in the booklet.

      Delete
  35. Hi Ganesh

    I was Born in Mumbai and staued there for 30 years...last 3 years i am staying out of mumbai with my family for my work purpose,Am i eligible ,can i give the contact address of the present place.i have an domicile certificate of 15 years.

    Regards

    ReplyDelete
    Replies
    1. You seem to be eligible for the draw. You may have to provide some maharashtra based address if additional proof are been required.

      Delete
  36. We dont have domicile certificate but have ration card as the proof of 20 years is that ok

    ReplyDelete
    Replies
    1. Domicile is compulsory, you can apply for the same if you have been living in maharashtra for 20 years. The documents are required only after you win the draw, no documents are to be submitted with the application

      Delete
  37. As i am living in Mumbai[i.e in Chembur] can i apply for konkan lottery...
    and thanks for solving my previous query...

    ReplyDelete
  38. Dear Ganesh,

    I have my own flat in bhiwandi. Can i apply for mhada mumbai or mumbai konkan? Can i apply on my brothers name who does nt own a flat? also tell whether payment can be made by my friends account or not for the application money?

    ReplyDelete
    Replies
    1. You can apply in mumbai/konkan as your district is thane/kalyan as per my knowledge. You can also apply in your brothers name. The applicant should be supported with the income proof for the scheme is applying. Applicant Payment is made by the way of DD, so it does not matter who has made the DD.

      Delete
  39. sir i have given the details of corporation bank . i am giving the dd of ING BANK . Will it be OK.

    ReplyDelete
    Replies
    1. Does not matter from where the dd has been made.

      Delete
  40. i am having domicile certificate of 15 + years but i am not having ration card whereas i am having residential proof at naigaon west taluka vasai dist thane i would like to know that my eligibility has been proof of maharastra as i am railway employee and doing govt service for last 20 years at churchgate.

    ReplyDelete
    Replies
    1. Your residential proof can also be electrical , telephone bill. Naigaon residential proof would be ok. You seem to be eligible with the provided information.

      Delete
  41. Hi Ganesh,

    Is it mandatory to mention details of all family members(dad,mom,sister) and their income in the application form?
    If yes, will they ask to submit the income proof for other members?

    I have ration card on my fathers name, but the date of issue is not printed on the ration card. On the application form where family details required ration card issue date is mentioned. Will my application be rejected as issue date is not printed on receipt?

    Also the property where i stay is not on my fathers name, the land belongs to my grandfather, will i have to submit any proof for same? I pay a rent of Rs 6000 to my parents.
    So should i mention in the application that i stay as rented person?

    Thanks....

    ReplyDelete
  42. Hello Ganesh,

    If i win the lottery, can i rent the place?
    In the manual provided by MHADA, i read we cannt sell the property till 5 years. nothing is mentioned about renting the property.

    Is the period of 5 years fixed or MHADA can increase the period?

    Regards

    ReplyDelete
    Replies
    1. You cannot rent for minimum of 5 years nor can sell or tranfer the alloted flat. The rule of 5 year is dependent on MHADA and can be changed without any prior information.

      Delete
  43. Hi Ganesh,

    I am currently working in US and wants to apply for mhada flat
    HIG category can i apply?? I have all required documents such as domicile and caste certificate and all oder supporting documents.

    I just want to know is my presesnce required while making DD in axis bank or i can submit my application online and ask my parents to carry our DD procedure and submit form.Please suggest..how to proceed...

    ReplyDelete
    Replies
    1. Your presence is not required while applying. But after winning the lottery your presence is required for the documentation with MHADA.

      Delete
  44. Farhan,

    Your allotment would be rejected and waitlisted applicant will be allocated the your flat. Your earnest money may get forfeited.

    ReplyDelete
  45. Hi Ganesh,

    It has been 9 months since i'm working as a salaried employee with a monthly income of Rs. 50,000/-. Before this i was undergoing my Internship where i was getting Rs. 8,000/- per month. Will i be eligible for loan?

    Will the bank provide me loan for initial payment which has to be made within 30 days (approx 25%)

    ReplyDelete
    Replies
    1. Bank would provide the loan considering the property value as well as the income earned in the last six months and credit rating of person taking the loan

      Delete
  46. I have a flat in my name in Goregaon, but in the process of selling it. The deal should be complete before the lottery.
    Can I apply for all 3 HIG schemes either in my name or my wife's name?
    What all documents do I need at the time of applying and at the time of lottery?

    ReplyDelete
  47. Yes, you can apply. The MHADA would cancel the allotment if it is found that allotment has been done for person who already owns an apartment. No documents are needed while application, photos,dd, signature on the application and duly completed application form.

    ReplyDelete
    Replies
    1. Thanks Ganesh!
      1. That means I should not own a house at the time of allotment (not application).
      2. What would be the tentative dates of allotment
      3. Also multiple applications in the same name within the group (HIG) are allowed?

      Thanks a ton! You've been great help.

      Delete
    2. Allotment date would be the date of lottery draw. Multiple application with the same name are not allowed.

      Delete
  48. hi ganesh
    As I am not having Ration card. I am having domicile certificate. As per Item No.13.statement 1 vide regulation No.19 of mahada application there is a column of ration card no and ration card date of issue. while applying the mahada lottery I had left blank due to non available of this document but I had submitted residential proof i.e. telephone bill.
    I would like to know will my application be rejected?
    Now I would like to know If I win the lottery, Ration Card will have to be submitted to the mahada authority as a required document or the document of residential proof (i.e. telephone bill) will serve the same purpose for which Ration Card document is required.
    please clarify

    ReplyDelete
    Replies
    1. Your application would not be rejected on non-availability of ration card.You should be ready with more than one residential proof. Telephone bill, bank statements,gas bill,etc. Electricity is also one of the residential proof. Domicile certificate should be 15+ years.

      Delete
  49. can i eligible for applying my name and brother also two different form

    ReplyDelete
    Replies
    1. Please clarify what you mean to say. 2 brothers can apply jointly or seperately depending on the scheme and income they earn.

      Delete
  50. Hi Ganesh,
    I am living in chennai. i am presently working in chennai in the defence organisation. can i apply for MHADA flat in mumbai. my wife hails from mumbai & is a housewife.

    if so, what are the procedures to be completed.please let me know.

    regards
    Gopalakrishnan.R.

    ReplyDelete
    Replies
    1. Few Conditions to be eligible for the lottery and draw :

      1. Applicant should be living in maharashtra for 15+ years.
      2. Applicant must have a domicile certificate of Maharashtra of 15+ years
      3. Applicant/Spouse/unmarried children should not own a flat in Mumbai/Konkan(depending in which scheme you are applying)
      4. Procedure..
      a) Fill the online form
      b) Duly Filled form need to applied with photos/signature to any of Axis bank branches in maharashtra.
      c) A DD of the earnest amount to deposited with Axis along with the form.

      Hope this clarifies some of your points. For more details request you to visit the MHADA.ORG site.

      Delete
  51. Hi Ganesh,

    My Name is Varshini - The site shared has all the information in Marathi. How can i get the information in English?

    Pls let me know where to look for information in English

    Regards
    Varshini

    ReplyDelete
    Replies
    1. Hi Varshini,

      The scheme booklet is only available in marathi at the following location (option 5) :

      https://lottery.mhada.gov.in/OnlineApplication/mhadaApplication.do

      But you can download the applicant form filling details booklet in Englist with the following link :

      https://lottery.mhada.gov.in/OnlineApplication/help.do

      Delete
  52. HI GANESH,

    WHAT IF I WIN AND MAKE INTO THE LOTTERY LIST AND THERE IS SOME KIND OF DOCUMENT SHORTFALL.

    WHAT IS DONE BY MHADA TEAM IN SUCH CASE

    ReplyDelete
    Replies
    1. Your allotment would be rejected and waitlisted applicant will be allocated the your flat. Your earnest money may or may not get forfeited depending on the information not been submitted.

      Delete
    2. Thanks ganesh for the information

      Delete
  53. Does this scheme really provide housing in good locality with less cost?

    ReplyDelete
  54. Hello sir,

    i m looking for some guidance in case of mhada lottry.

    my case is that : my mom draws pension from army ~Rs 19000,we do have some family property in native place that can assist in home loan(mortgage).


    Q1. i plan to apply for MIG scheme. can i ? are those income groups strict criteria for application?
    Q2. what kind of home loan assistance is given my mhada,i heard that the home loan emi for mhada flata are very low, is it so can u give some rough idea.(I HAVE NO CONTACT OF ANY PERSON WHO HAS EVER INVESTED IN MHADA.)
    Q3. as i mentined above ,can my family property (farm etc) can add to income category?

    ReplyDelete
    Replies
    1. 1. MIG can only be applied by person who has family income of 20001 to 40000.
      2. The EMI is standard as per bank rules for Home loans. It has nothing to do with if it is property of MHADA or private builder. It depends from bank to bank , nowadays prevailing rate is from 10.25 to 11.75%
      3. Yes,it can be added. Your criteria of selecting the property would be income earned from all sources during the period from 1/4/2011 to 31/3/2012. The total income divided by 12 would give you the average income. Based on this average income u need to select the scheme you want to invest.

      Delete
  55. Hi
    Can I provide ration card as residence proof, but the ration card is in name of my mother. My name is mentioned in last page.

    pls reply urgently

    ReplyDelete
    Replies
    1. That would do, your name should be part of the ration card and it will serve as a residential proof

      Delete
    2. Thanks Ganesh

      Delete
  56. Hello Ganesh Sir,

    I am mah govt employee, but from last 4 years I am on leave because of my personal problems. The leave was according to GR. Now I am going to start my same job from June. My salary falls under MIG.
    So whether can I apply for LIG or MIG on my name alone now.
    or otherwise during 1/4/11 to 31/3/12 my husband's income falls under HIG but his stay is not continuous in India. So is it possible for us to apply individually or jointly.
    Please advice.

    ReplyDelete
    Replies
    1. You can apply in your name under HIG as the total income of family falls in HIG. You can also apply jointly but your husband presence would be required during documentation with MHADA.

      Delete
  57. Hello Sir,
    I have recently bought a flat in navimumbai through homeloan. My question is can i apply for this lottery so that i can sell that flat and buy this one from mhada?

    ReplyDelete
    Replies
    1. To be eligible for the draw, you must not be owning any flat in mumbai till the date of draw. You can apply for konkan region though.

      Delete
  58. Hi Ganesh Sir,.
    In case if we dont get the flat when will our money be refunded? and when will know the result for this lottery approximately

    ReplyDelete
    Replies
    1. 15-20 days. The draw is tentatively on 31/5/12.

      Delete
    2. Thank u sir ....

      So I can apply since Navimumbai doesn't comes under mumbai, and can I apply for a MIG flat although my salary comes under HIG?

      Delete
  59. Thank you Sir for clarifying my doubts.
    I have 1 more question

    1) Can I also apply in LIG also? and whether my pay slip will be required for that. Because I will be joining from June onwards.

    ReplyDelete
    Replies
    1. You family income is considered for selecting the scheme code. Your+yours spouse income need to considered if you are married. So you would fall in MIG category and not LIG.As specified earlier the total income of your+yours spouse during the period 1/4/2011 to 31/3/2012 divided by 12 gives you in which scheme u need to apply.

      Delete
  60. Hello Ganesh,

    I have following queries.

    (a) My father is ex-serviceman (Navy) and is drawing pension of approx 25,000 pm. I am in defence and drawing salary more than Rs 40,000. Can both of us jointly apply for MHADA flat in Powai or Borivali (HIG) under the ex-serviceman quota where my father will be primary applicant and I will be the co-applicant. We do not have any MHADA flat or flat in Mumbai.

    (b) If I apply alone under Defence category, then should I be producing the 15+ year Domicile Certificate. I as seeking clarification because producing 15+ years domicile certificate may not be possible for any defence personnel as they are transferred out every 03 to 05 years.

    (c) How bright are the chances of getting a HIG Flat allotment under the Defence Category.

    Regards.

    ReplyDelete
    Replies
    1. Please refer clauses related to defence/ex-serviceman on pg 14 of the booklet. It seems that you can apply in the categeory of the primary applicant.

      Delete
  61. Hi Ganesh,

    I am a defence employee. Can my wife apply individually under defence family category for MIG flat. She earns Rs 25000 per month.

    ReplyDelete
    Replies
    1. For applying in defence categeory , defence person should be the primary applicant. Still request you refer pg. 14 of the booklet.

      Delete
  62. Hi Ganesh,

    1. Should the DD be drawn in favour of "Axis Bank Account MHADB 2012"?
    2. Can I submit it in Axis Bank, Kulupwadi Borivli East branch?

    Regards
    Sachin.

    ReplyDelete
    Replies
    1. 1. ok
      2. Probably all branches of Axis bank are accepting applications, but still you have confirm with the branch.

      Delete
  63. Hello Ganesh Sir,
    I am housewife and my husband's income is in HIG. So can I apply on my name only.

    ReplyDelete
    Replies
    1. Yes , you can apply. Please note that none of you or your spouse or your unmarried children should own a home in their name.

      Delete
  64. thank u sir,
    if i apply jointly, myself as primary applicant, is it necessary that co-applicant should be present at the time of handing over the documents.

    ReplyDelete
    Replies
    1. Yes it would be necessary , as If you apply jointly, the documentation would also have to be submitted jointly.

      Delete
  65. Thank u sir ....

    So I can apply since Navimumbai doesn't come under mumbai, and can I apply for a MIG flat although my salary comes under HIG?

    ReplyDelete
  66. hi Ganesh.. My mother is a housewife (zero income ) and my father is a businessman..
    For calculation of income for MIG/HIG.. What shud we tale into consideration Profit or Income ?

    Thanks in anticipation.

    ReplyDelete
    Replies
    1. Income for business would be profit only it never total sales. Income from other sources would also be included like interest on fd,savings,etc. The p/l statement of the business from 1/4/11 to 31/3/12 divided by 12 would be the average income per month.

      Delete
  67. Dear Sir,

    I did the mistake while filling the form and same i made the payment in Axis Bank. i was choose wrong category. Can u help me how i can rectify this mistake.

    i waiting for your reply.

    ReplyDelete
    Replies
    1. Request you to get assistance from MHADA helpdesk nos. 022-66405099 / 66405010, also refer the last page of the MHADA booklet.

      Delete
  68. Hi Ganesh

    me and my husband age 33 and 37 resp have only interest income from fixed deposits [280000 pa ] . we live with my in-laws who file return and they own house. we dont file return since its not taxable also we dont house . can we show interest payment in bank statement as income proof
    thanks for you great work

    ReplyDelete
    Replies
    1. Bank statement as income proof has not been mentioned in the MHADA booklet. Request you to refer point 5.3 on pg 9 of the booklet. Still you can call MHADA help desk for details on 022-66405099/66405010

      Delete
    2. If you have a pan card , you can file the online returns for the last 2 years , hopefully you can get the acknowledge within next 15-20 days that may be helpful.

      Delete
    3. There seems to be a possibility of submitting a affidavit in place of income tax return as per point 5.3 , MHADA can confirm if it applies for you.

      Delete
    4. thank you you have been most kind

      Delete
  69. Hi Ganesh,

    Your replies are really helpping us a lot while applying for Mhada .
    I have the following queries
    1.) I have stayed in Mumbai for the last 33 years. I have my name in the ration card . I had applied for the Domicile when i was in college but i dont have the copy now. It is compulsary that the Domicile shuld be ready with us if we win the lottery?

    2.) My wife does not have a domicile . She came to mumbai from Goa in Mar 1999. Can i apply on her name?

    Regards
    Anthony

    ReplyDelete
    Replies
    1. Domicile seems compulsory for the applicant as per the MHADA booklet, also one should be staying in Maharashtra for 20 years to be eligible for the draw. Domicile is a kind of proof for MHADA that the person has been staying in Maharashtra for 15+ years. Please pt. 5.2 on pg 9 of the booklet.

      Delete
  70. hi buddy

    in case income tax filed/proof is not there is affidavit accepted as mentioned in 5.3 page11

    thnx

    ReplyDelete
    Replies
    1. Applicants need to check if that affidavit applies for them based on the income proof they can submit.MHADA helpdesk can be called for clarification

      Delete
  71. Hi Ganesh,

    You are really a great help. Just would like to know the status of allowing the flat owners to rent the flat immediately on possession. I heard during Nov 11 the case was taken up by the MHADA authorities to allow the owner to put the flat on rent without a wait for 05 years. What is the current status on the issue?

    Thanks in advance.

    ReplyDelete
    Replies
    1. As far as i know , it was 10 years before that which was reduced to 5 years. The same can be clarified from MHADA office.

      Delete
  72. Hi Ganesh
    I am an army officer, born in maharashtra & studied till graduation in maharashtra. Presently for last 20 yrs I have not stayed in MAHARASHTRA owing to my Job. How do I get the Domicile of Maharashtra

    ReplyDelete
    Replies
    1. You would be getting domicile from the state you are living now. For domicile of Maharashtra, you can contacting the collectors office at Fort (Mumbai) for any more information.

      Delete
  73. Hi Ganesh, I have all details but have not complete 15 year in Maharashtra, my wife have completed more than 20 year, can I apply in my wife name, she don't have any income, she own a house (not of mhada) 1st name is of her and 2nd name is mine. What do you suggest.

    ReplyDelete
    Replies
    1. You can apply in your wife's name alone. The scheme would be based on the total household income i.e. your income. You may become a joint applicant, but i guess both would need to furnish domicile in that case. Request you to contact MHADA helpdesk to clarify this point in case of joint application.

      Delete
    2. Missed the point of she owning the house in her name, in this case you both are in-eligible to apply for the draw. Only thing posible would be if she owns a house in mumbai u can apply for konkan and vice versa

      Delete
    3. Thanks for your prompt and accurate reply. I got the answer from your reply.

      Delete
  74. Gaanesh sir,
    I hav submitted the online form for HIG powai now from where will i get the Acknowledgement and how will i select the brach in which i have to submit the acknowledgement? ANd in whose favour is the dd to be Drawn???
    ANd when will i need the domisile Certificate????

    ReplyDelete
    Replies
    1. I have taken a print of the form from the mhada site by typing my application id and i got a one page print is that sufficent to submit??

      Delete
    2. Follow the steps given below after submitting the Online Lottery Application
      1. Acknowledgement slip mentions the total amount that should be paid along with the application (EMD + Application processing fees).
      2. Draw up a DD of this amount
      3. Mention the DD details (DD number, Date & Drawn on Bank details) on the printed copy of acknowledgement slip
      4. Affix your photograph on the printed copy of the acknowledgement slip and sign the same
      5. Submit this completed acknowledgement slip along with the DD to the designated bank (Refer to designated bank branch list)
      6. Collect your copy of the acknowledgement slip from the bank counter and ensure that it has a bank stamp on it
      Your application is now submitted to MHADA and will be considered for Lottery. Visit this website again to check the eligibility of your application and lottery results.

      If the printed form contains all the above information than the form is complete and can be submitted.

      Delete
  75. hello Ganesh sir,
    i have shop / commercial on my name in mumbai
    as its not residential property so m i eligible for mhada lottery?
    and also tell me i have booked a flat which is under construction which will be completed after 2 years so m i eligible for mhada lottery??

    ReplyDelete
    Replies
    1. You are eligible if u don't own a residential property. The new flat in your name seems to make u in-eligible, but still try contacting MHADA helpdesk to resolve your query as it is still under construction.

      Delete
  76. on what name we have to make demand draft do we have to submit copy of pan card also
    why there is no information on mhada website only lottery option present there

    ReplyDelete
    Replies
    1. The DD should be in favour of "AXIS BANK ACCOUNT MHADB 2012". Identity as well address proof is needed for submitting the form. please refer pg. 6 , pt. 3.7 of the booklet for more details.

      Delete
    2. Online Application form and Booklet is available on the below link (option 5):
      https://lottery.mhada.gov.in/OnlineApplication/mhadaApplication.do

      Form filling instructions link :
      https://lottery.mhada.gov.in/OnlineApplication/help.do

      Delete
  77. is there copy or information on TERMS CONDITION on web site about MHADA lottery 2012

    ReplyDelete
    Replies
    1. Booklet is available on the below link (option 5):
      https://lottery.mhada.gov.in/OnlineApplication/mhadaApplication.do

      Form filling instructions link :
      https://lottery.mhada.gov.in/OnlineApplication/help.do

      Delete
  78. Hi Ganesh,

    I got a query regarding Salary. Recently in the month of November i have switched to new job & my now salary is almost 24K. Before that i was drawing a salary below 20 K. I am confused now because Mhada would calculate from April 2012 to March 2013. I had submitted the form under the category MIG. One more thing i wud like you to bring in notice that the company i had joined is a developing company & we are pilot ppl for pilot organisation so their are many things that has not been implemented here such as PF, Medical & Special Allowances. From our only professional Tax of rs 200/- is the only component they are deducting. Nothing else as we r less than 20 employees as per the government rules PF deduction is implemented for organisation more than 30 employees as i came to know. We had not yet received Our Salary Breakup Sheet while filling up the Mhada Form so due to these i was not aware of the Basic & HRA. I am receiving a salary of 23633 / - monthly. I have all the Salary certificates from previous organisation & proofs & all the necessary document to confirm my eligibility for applying but concern abt the Scheme whether i applied in MIG is right or wrong or i shud have applied in LIG? Let me know if i had done the right things for applying in the MIG scheme.


    P C Patil

    ReplyDelete
    Replies
    1. Hi Patil,

      You have to apply in the scheme based on the total income during the period from 1/4/11 to 31/3/12 and not 1/4/12 to 31/3/13.Refer pt. 5.3 on pg 9 of the booklet. PF / PT if deducted have to added in the income, as that deduction are not specified to be excluded.Refer pt. 1.3 on pg 3 for this clarification.

      Delete
  79. Hi ,
    I am Neha. My salary falls under MIG & my brother's also under MIG. can we both apply jointly into HIG? if yes then where is the option to do so?? i dont see any option on form for joint/co applicants. Please provide information on the same

    ReplyDelete
    Replies
    1. Forgot to mention that we both are siblings & unmarried .

      Delete
    2. Joint income is only counted for husband and wife. You 2 can apply individually in MIG scheme.

      Delete
  80. what is the option for paying Rs. 25,050/- as a down payment?

    Can we pay only interest on Rs. 25050/- as last to last year....is there any solution??? plz rply asap

    ReplyDelete
  81. No,, there is no such option this year. Contact AXIS bank for details

    ReplyDelete
  82. HOW TO GET DOMICILE CERTIFICATE AND FROM WHERE IF AM FROM BORIVALI MUMBAI

    ReplyDelete
    Replies
    1. You will get the Domicile certificate from city collectors office. You may get it from Andheri/Fort. Try the online link available for my site.

      Delete
  83. For Domicile Related Information Please The Below Link

    http://currentnewsandinformation.blogspot.in/2012/05/information-on-obtaining-domicile.html

    ReplyDelete
  84. Replies
    1. The results be announced on 31-may-2012, please refer my post MHADA LOTTERY RESULTS MAY 2012 for more details. The link is here for reference :

      http://currentnewsandinformation.blogspot.in/2012/05/mhada-lottery-results-for-may-2012.html

      Delete
  85. I ain't have a house I stay in rental basis I have applied for the lottery without submitting the Ration card but I do have other documents relating to the lottery.still not having a ration card can affect my application??

    ReplyDelete
    Replies
    1. No, it may not, as you would be having other proof of maharashtra domicile for 15+ year and proof of being in maharashtra for 20 years that would do. Electricity bill / telephone bill / rent / maintainence receitp are some of the others proof you may require inspite of ration card.

      Delete
  86. Replies
    1. Refer my post MHADA LOTTERY RESULTS FOR MAY 2012. Link : http://currentnewsandinformation.blogspot.com/2012/05/mhada-lottery-results-for-may-2012.html

      Delete

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