How to Register Your House for EWS/LIG Government Schemes in Kerala – A Complete Guide

Published by: PEAK Business Consultancy Services | Website: www.ourtaxpartner.com

Table of Contents

• Introduction
• 1. What Are EWS and LIG Housing Categories?
• 2. Who Is Eligible for EWS/LIG Housing in Kerala?
• 3. Documents Required for Registration
• 4. How to Register Your House for EWS/LIG Scheme
• 5. Pradhan Mantri Awas Yojana (PMAY) in Kerala
• 6. Kerala State-Specific Housing Schemes
• 7. How to Track Your Application
• 8. Frequently Asked Questions
• Conclusion

Introduction

In Kerala, the state and central governments jointly support affordable housing under EWS (Economically Weaker Section) and LIG (Low Income Group) schemes. By registering your house under these schemes, you may be eligible for subsidies, financial aid, and formal recognition of your property under the government’s housing initiatives. This blog explains how you can register your house for these schemes and benefit from government-backed support in 2024.

1. What Are EWS and LIG Housing Categories?

These categories define income-based housing benefits:

• EWS (Economically Weaker Section): Families with annual income up to ₹3,00,000.
• LIG (Low Income Group): Families with annual income between ₹3,00,001 and ₹6,00,000.

Houses registered under these categories may qualify for subsidy schemes under PMAY or state-level programs, including construction support and formal titling.

2. Who Is Eligible for EWS/LIG Housing in Kerala?

To register under EWS/LIG category, you must:

• Be a resident of Kerala
• Belong to the EWS or LIG income bracket (as certified)
• Own land or an existing semi-constructed house not exceeding 30 sqm (EWS) or 60 sqm (LIG)
• Not own a pucca house in any part of India
• Hold an Aadhaar-linked bank account

3. Documents Required for Registration

• Income certificate (from Village Office/Tahasildar)
• Aadhaar Card of the applicant and spouse
• Proof of residence (Ration Card/Voter ID/Utility Bill)
• Ownership documents (Land tax receipt, Possession certificate, Patta)
• Building permit or house sketch (if applicable)
• Photograph of the applicant
• Bank passbook copy (Aadhaar linked)

4. How to Register Your House for EWS/LIG Scheme

There are multiple registration channels depending on the scheme:

Step-by-Step via PMAY-U Portal:

1. Go to https://pmaymis.gov.in
2. Click on “Citizen Assessment” → Choose “Benefit Under Other 3 Components”
3. Enter your Aadhaar number and verify OTP
4. Fill in the details: Name, income, house type, ownership status
5. Upload required documents in prescribed format
6. Submit and note the Application Reference Number (ARN)

Offline Submission through LSGD or Municipality:

1. Collect the housing registration application form from your local Panchayat/Municipality office
2. Fill in the form with property and personal details
3. Attach self-attested copies of required documents
4. Submit to the Assistant Engineer (AE) or Municipal Secretary’s office
5. Get acknowledgment and file number for follow-up

5. Pradhan Mantri Awas Yojana (PMAY) in Kerala

Under PMAY-U (Urban) and PMAY-G (Gramin), beneficiaries get:

• Subsidy up to ₹2.67 lakhs for home construction or enhancement
• Support for upgrading kutcha to pucca houses
• Direct transfer of funds to Aadhaar-linked bank account in phases
• Mandatory beneficiary participation (labor/self-contribution)

For rural areas, apply through the Gram Panchayat or Block Development Office.

6. Kerala State-Specific Housing Schemes

Life Mission Kerala:

• Flagship housing scheme for landless and homeless citizens
• Offers full housing unit or aid for completing existing houses
• Online application via https://life2020.kerala.gov.in

Chief Minister’s Housing Scheme:

• Targets poor families without a house or living in temporary shelters
• Selection based on Socio-Economic Caste Census (SECC) data
• Local authorities process and sanction houses under the scheme

7. How to Track Your Application

• PMAY: Visit pmaymis.gov.in → “Track Assessment Status” → Enter Aadhaar or ARN
• Life Mission: Log into Life 2020 Portal with your registered ID
• Offline Application: Contact your local Panchayat or Municipality with file number

8. Frequently Asked Questions

Q1: Can I apply if my house is under construction?

Yes, provided it is not already completed and meets the size and income criteria.

Q2: How much area qualifies for EWS and LIG housing?

EWS houses must be up to 30 sq.m. of carpet area; LIG houses can go up to 60 sq.m.

Q3: What if I don’t have a land document in my name?

You may submit joint ownership proof or inheritance documents, but the primary applicant must be listed as an owner or co-owner.

Q4: Can I apply under more than one scheme?

No. Multiple registrations across schemes may lead to rejection. Choose one as per eligibility.

Q5: Are rental houses eligible?

No. Only self-owned houses or land qualify for EWS/LIG housing registration.

Conclusion

Registering your house under Kerala’s EWS/LIG housing schemes opens doors to government support, subsidies, and legal protection. Whether you’re applying through PMAY, Life Mission, or local government initiatives, make sure to check your eligibility and submit the necessary documents accurately. For professional guidance and support with filing applications, document verification, or follow-up, feel free to contact PEAK Business Consultancy Services.