Apply Now: GHB Housing Schemes in Ahmedabad, Surat, Navsari, and More

The Gujarat Housing Board (GHB) has unveiled exciting new affordable housing schemes for 2025-26, bringing hope to thousands of families across Gujarat. Whether you're from the Economically Weaker Section (EWS), Low Income Group (LIG), or Middle Income Group (MIG), these schemes are designed to make homeownership a reality for everyone.

With brand new projects launching in Jetpur, Surat, and Navsari, plus major redevelopment work transforming 11 old societies in Ahmedabad, GHB is committed to providing modern, comfortable homes at prices that won't break the bank. This comprehensive guide will help you understand everything about affordable housing schemes in India and how Gujarat's initiatives compare to other state housing boards.

Understanding Different Housing Categories

Economically Weaker Section (EWS)

Perfect for families earning up to ₹1 lakh annually, these government-subsidized homes offer the most affordable path to homeownership. Similar to PMAY housing initiatives, EWS schemes focus on providing basic yet comfortable housing for the most economically vulnerable sections.

Low Income Group (LIG)

Designed for families with annual income between ₹1 lakh to ₹2.50 lakh, offering compact 1-2 BHK units with essential amenities.

Middle Income Group (MIG)

Catering to middle-class families earning ₹2.50 lakh to ₹10 lakh per year, these spacious homes come with modern facilities and better locations.

High Income Group (HIG)

Premium housing options for families earning above ₹10 lakh annually, located in prime areas with top-notch amenities.

Special Categories

Reserved units for Scheduled Castes (SC), Scheduled Tribes (ST), and women applicants with additional benefits and easier eligibility criteria.

Cities Where GHB Schemes Are Available

Gujarat Housing Board schemes span across 18 major cities, ensuring wide accessibility:

• Major Cities: Ahmedabad, Surat, Vadodara, Rajkot, Gandhinagar, Bhavnagar, Jamnagar
• Growing Towns: Navsari, Junagadh, Mehsana, Bharuch, Anand, Valsad, Bhuj, Morbi, Jetpur, Palanpur

Exciting New Projects Launching in 2025-26

1. Jetpur (Rajkot District) - Budget-Friendly Homes

• Location: ST Main Road, opposite Lohana Samaj
• Total Units: 80 flats (48 EWS + 32 LIG)
• Target Group: Low-income families
• Status: Planning phase
• Why It's Special: Strategic location with excellent connectivity and focus on affordability

2. Surat - Central Location Advantage

• Location: Reliance Char Rasta, Sardar Nagar Colony
• Total Units: 150 LIG flats
• Income Limit: ₹1-2.50 lakh per year
• Status: Applications opening soon
• Why It's Special: Prime central location ensuring high property appreciation

3. Navsari - Largest New Project

• Location: Near Aggarwal College, Dharmin Nagar
• Total Units: 868 MIG flats
• Income Limit: ₹2.50-10 lakh per year
• Status: Planning stage
• Why It's Special: Biggest project offering spacious homes near educational institutions

4. Ahmedabad - Major Redevelopment Initiative

• Societies Covered: Sonalpark, Vasundhara, Alkapuri, Pujan, Sanidhya, Shriji, Samrat, Sahjanand, and 3 more
• Old Units: 1,880 flats
• New Units: 3,500+ modern earthquake-resistant flats
• Status: Demolition started, construction in progress
• Why It's Special: Complete transformation with modern amenities and safety features. Learn more about investment opportunities in Ahmedabad.

5. Bhavnagar - High-Rise Living

• Total Units: 420 LIG units
• Structure: 7-storey blocks (Ground + 7 floors)
• Status: Under construction
• Why It's Special: Vertical development maximizing space utilization

Detailed Project Comparison for Smart Decision Making

Jetpur Project Highlights

• Categories: EWS, LIG
• Flat Size: 450-650 sq ft
• Price Range: ₹7-12 lakh
• Possession: 12-18 months
• Key Features: Parking, water supply, power backup
• Best For: First-time homebuyers with limited budget

Surat Project Features

• Category: LIG
• Units: 232 flats
• Flat Size: 400-500 sq ft
• Price Range: ₹6-10 lakh
• Possession: 18 months
• Key Features: Lift, security, garden areas
• Best For: Small families preferring central location

Navsari Project Advantages

• Categories: LIG, MIG
• Units: 282 flats
• Flat Size: 450-650 sq ft
• Price Range: ₹8-13 lakh
• Possession: 12 months (fastest delivery)
• Key Features: Street lighting, proper drainage, children's playground
• Best For: Families wanting quick possession

Ahmedabad Redevelopment Benefits

• Categories: MIG, HIG
• Units: Approximately 4,000 flats
• Flat Size: 600-900 sq ft
• Price Range: ₹12-20 lakh
• Possession: Phase-wise over 2-3 years
• Key Features: Modern fittings, lifts, green zones, earthquake-resistant structure
• Best For: Families seeking premium amenities in established areas

Income Eligibility Made Simple

Essential Eligibility Requirements

Basic Criteria Everyone Must Meet:

• Must be a Gujarat resident
• Minimum age of 18 years
• Should not own any other residential property
• No previous housing allotment under any government scheme
• Valid income certificate matching the category

Additional Benefits for:

• SC/ST candidates: Extra reservation quota
• Women applicants: Priority in selection
• Physically challenged: Ground floor preference
• Senior citizens: Special consideration

Complete Document Checklist

Mandatory Documents:

• Aadhaar Card (original + photocopy)
• PAN Card
• Income Certificate (issued within 6 months)
• Domicile Certificate (Gujarat residency proof)
• Recent passport-size photographs
• Bank account details and passbook copy
• Residence proof (electricity bill/voter ID/rent agreement)

Additional Documents (if applicable):

• Caste certificate for SC/ST/OBC applicants
• Disability certificate for physically challenged
• Affidavit stating no ownership of other property
• Marriage certificate (for women applicants)

Step-by-Step Online Application Process

Getting Started:

1. Visit the official GHB website (gujarathousingboard.gujarat.gov.in)
2. Click on "Apply Online for Housing Scheme"
3. Register using your mobile number and create a secure password
4. Verify your mobile number through OTP

Filling the Application:

1. Select your preferred city and housing scheme
2. Fill personal details exactly as per Aadhaar card
3. Enter accurate income and employment information
4. Upload clear, scanned copies of all required documents
5. Pay the registration fee online using debit/credit card or net banking
6. Submit application and download acknowledgment receipt

Pro Tips for Online Application:

• Keep all documents ready in PDF format before starting
• Use a stable internet connection
• Double-check all information before final submission
• Save your application number for future reference

Alternative Offline Application Method

For Those Preferring Traditional Approach:

• Visit your nearest GHB office during working hours
• Collect the application form and scheme brochure
• Fill the form carefully in black ink
• Attach self-attested copies of all documents
• Prepare demand draft for application fee
• Submit complete application and collect acknowledgment slip

Offline Application Benefits:

• Personal assistance from GHB staff
• Immediate verification of documents
• Face-to-face clarification of doubts
• No internet connectivity issues

Tracking Your Application Status

Online Status Check:

• Visit GHB Application Status Portal
• Enter your application number or registered mobile number
• Click "Check Status" to see current stage
• Track progress from "Applied" to "Allotted"

Status Meanings Explained:

• Under Process: Application being verified
• Document Verification: Papers being checked
• Eligible: Qualified for lottery draw
• Allotted: Congratulations! You've won
• Waiting List: You're next in line for cancellations

Understanding the Lottery System

How GHB Lottery Works:

• All eligible applications enter a computerized draw
• Selection is completely random and transparent
• Multiple categories have separate draws
• Results are published on the official website
• Selected candidates receive SMS and email notifications

Checking Lottery Results:

• Go to official GHB website
• Navigate to "Lottery Results" section
• Select your scheme and city
• Enter application details
• Download the complete allotment list

Payment Structure and Financial Planning

Typical Payment Schedule:

• Registration Fee: ₹500-2,000 (varies by scheme)
• Booking Amount: 10% of flat cost (upon selection)
• Construction Linked: 80% in installments during construction
• Final Payment: 10% at possession

Financial Benefits:

• No hidden charges or developer premiums
• Direct purchase from government authority
• Easy EMI options through approved banks
• Transparent pricing with no price escalation

Understanding home loan interest rates and EMI calculations is crucial for proper financial planning when investing in GHB schemes.

Important Contact Information

GHB Head Office, Ahmedabad

• Phone: 079-23251580 / 079-23251581
• Email: [email protected]
• Address: Sardar Bhavan, Block No. 1, Sector 10A, Gandhinagar

Regional Offices:

• Rajkot: 0281-2467600
• Surat: 0261-2732112
• Vadodara: 0265-2791234
• Bhavnagar: 0278-2514567

24/7 Customer Support:

• Toll-Free Number: 1800-233-666
• WhatsApp Support: Available on website
• Email Support: Response within 24 hours

Tips for Successful Application

Increase Your Chances:

• Apply as soon as schemes are announced
• Ensure all documents are complete and clear
• Keep income certificates updated
• Apply in multiple eligible categories if possible
• Maintain the same mobile number throughout the process

Common Mistakes to Avoid:

• Incomplete or unclear document uploads
• Mismatched information across documents
• Applying in wrong income category
• Missing application deadlines
• Not updating contact information

Future Outlook and Upcoming Projects

Gujarat Housing Board is planning several more projects for 2026-27, including:

• Expansion to Tier-2 cities like Ankleshwar and Vapi
• Focus on senior citizen housing in Vadodara
• Green building initiatives in Gandhinagar
• Affordable rental housing pilot projects

Stay Updated:

• Follow GHB social media accounts
• Subscribe to email newsletters
• Check the official website regularly
• Join GHB applicant WhatsApp groups

Conclusion

The Gujarat Housing Board Schemes 2025-26 represent a golden opportunity for families across Gujarat to achieve their dream of homeownership. With projects spanning from ₹6 lakh to ₹25 lakh, modern amenities, strategic locations, and transparent processes, these schemes are designed to cater to every income group.

Whether you're a young professional in Surat, a growing family in Navsari, or looking for premium amenities in Ahmedabad's redeveloped societies, there's a perfect home waiting for you. The key is to prepare your documents, understand the eligibility criteria, and apply promptly when your preferred scheme opens.

For those considering broader investment options, you might also want to explore how to choose the right location for your dream home and understand the various first-time homebuyer considerations before making your final decision.

Don't let this opportunity pass by – start preparing your application today and take the first step toward owning your dream home in Gujarat!

Frequently Asked Questions (FAQs)

1. What is the minimum income required to apply for GHB schemes?
For EWS category, families can apply with annual income up to ₹1 lakh, making it accessible to the lowest income groups.

2. Can I apply for multiple GHB schemes simultaneously?
Yes, you can apply for different schemes in different cities, but you can only be allotted one flat under GHB schemes.

3. Is there any age limit for GHB housing scheme applications?
The minimum age requirement is 18 years, and there is no upper age limit for applying.

4. What happens if I'm selected in the lottery but cannot afford the flat?
You can withdraw your application, and the next person on the waiting list will be offered the flat.

5. Are there any additional charges apart from the flat cost?
Apart from the flat cost, you need to pay registration fees, stamp duty, and registration charges as per government rates.

6. Can I get a home loan for GHB flats?
Yes, most banks and financial institutions provide home loans for GHB flats with competitive interest rates.

7. How long does it take to get possession after allotment?
Possession timelines vary from 12-36 months depending on the project, with most new schemes delivering within 18 months.

8. What if I need to transfer my allotted flat to a family member?
GHB allows transfer of flats to immediate family members (spouse, children, parents) with proper documentation and approval.