MHADA Mumbai Diwali Lottery : Affordable Homes in Mumbai Starting at ₹30 Lakh

Are you dreaming of owning a home in Mumbai without breaking the bank? The Maharashtra Housing and Area Development Authority (MHADA) Mumbai Board is set to make dreams come true with its Diwali 2025 lottery, offering over 5,000 affordable housing units across Mumbai and its suburbs. This comprehensive guide will walk you through everything you need to know about the MHADA Mumbai Lottery 2025 - from eligibility criteria to application process and beyond.

Table of Contents

1. What is MHADA Mumbai Board?
2. MHADA Mumbai Lottery 2025: Key Highlights
3. MHADA Mumbai Lottery 2025: Important Dates
4. Eligibility Criteria for MHADA Lottery 2025
5. Income Categories for MHADA Lottery 2025
6. Required Documents for MHADA Lottery 2025
7. Step-by-Step Application Process
8. Checking Draft and Final Lists
9. Lottery Results: How to Check Your Luck
10. Accepting Your MHADA Housing Unit
11. Surrendering Your MHADA Unit
12. Stamp Duty and Registration Process
13. Refund Policy and Status Check
14. Upcoming MHADA Projects in Mumbai
15. Recent MHADA Lottery Updates (2024-2025)
16. Conclusion
17. Frequently Asked Questions

What is MHADA Mumbai Board?

The MHADA Mumbai Board is a branch of the Maharashtra Housing and Area Development Authority dedicated to providing affordable housing solutions to residents of Mumbai and its metropolitan region. Through its transparent lottery system, the board aims to make homeownership accessible to people across various income groups. This government initiative has been instrumental in helping thousands of families secure affordable homes in one of India's most expensive real estate markets.

MHADA Mumbai Lottery 2025: Key Highlights

The Diwali 2025 lottery by MHADA Mumbai Board is poised to be one of the biggest housing lotteries in recent years with the following highlights:

• Total Units: Over 5,000 affordable housing units
• Locations: Prime areas including Darsh Nagar (Worli), Guru Teg Bahadur Nagar (Chunabhatti), Motilal Nagar, and PMGP Colony (Jogeshwari)
• Application Portal: https://housing.mhada.gov.in/
• Price Range: Expected to range from Rs 30 lakh to Rs 6 crore, depending on location and category
• Unit Types: Options across all categories - EWS, LIG, MIG, and HIG
• Special Feature: All projects are redevelopment initiatives in established neighborhoods with good connectivity

MHADA Mumbai Lottery 2025: Important Dates

Mark your calendar with these crucial dates to ensure you don't miss any deadlines:

Eligibility Criteria for MHADA Lottery 2025

To participate in the MHADA Mumbai Lottery 2025, applicants must meet the following criteria:

• Must be a permanent resident of Maharashtra (domicile certificate required)
• Should be at least 18 years of age at the time of application
• Must fall within one of the specified income categories (EWS, LIG, MIG, or HIG)
• Neither the applicant nor any immediate family member should own a residential property in Mumbai Metropolitan Region

Income Categories for MHADA Lottery 2025

MHADA classifies applicants into four income categories to ensure housing is available to people across different economic segments:

Required Documents for MHADA Lottery 2025

Prepare the following documents before starting your application:

1. Domicile Certificate: Proof of Maharashtra residency
2. Residence Proof: Permanent address verification through utility bills, Aadhaar card, or voter card
3. Income Certificate: Document verifying your monthly income (salary slips, Form 16, or income certificate from a competent authority)
4. Identity Proof: Aadhaar card (mandatory)
5. PAN Card: For financial verification
6. Bank Account Details: Active account information for transaction purposes
7. Caste Certificate: If applying under reserved quotas
8. Passport-Size Photographs: Recent photographs as specified in the application
9. Other Specific Documents: Any additional documents as specified by MHADA for particular schemes

Step-by-Step Application Process

Follow these steps to complete your MHADA lottery application successfully:

1. Registration: Visit the official MHADA Housing Lottery System (IHLMS 2.0) at https://housing.mhada.gov.in/signIn and create your account
2. Scheme Selection: Choose the "MHADA Mumbai Lottery 2025" option
3. Form Completion: Enter all required details including scheme code, bank information, and personal details
4. Self-Declaration: Acknowledge that neither you nor your immediate family owns property in Mumbai
5. Verification: Double-check all information before final submission
6. EMD Payment: Pay the Earnest Money Deposit through one of these methods:
   • Online payment via debit card, credit card, or net banking
   • NEFT/RTGS transfer to the designated MHADA account
   • Demand draft submission at authorized banks (if choosing this option, print your application form to submit along with the DD)
7. Documentation: Upload a canceled cheque and any other required documents
8. Confirmation: Save the payment slip and application confirmation for future reference

New Feature: MHADA has introduced an option for applicants to mention alternative names (particularly helpful for women whose names changed after marriage), making the registration process more inclusive.

Checking Draft and Final Lists

Viewing the Draft List

The draft list is the preliminary selection of accepted applicants:

1. Visit the MHADA lottery website after December 4, 2025
2. Click on "Published Applications" in the main menu
3. Select "View Accepted Application" to see approved applications
4. Choose "View Rejected Application" to check rejected applications and reasons

Checking the Final List

The final list confirms all eligible participants for the lottery:

1. Navigate to the MHADA lottery website after December 11, 2025
2. Click on "Published Applications" under the Menu section
3. Select "View Accepted Application" to see the complete list of eligible applicants
4. If needed, click "View Rejected Application" to verify rejection status

Lottery Results: How to Check Your Luck

On December 13, 2025, the much-anticipated lottery draw will be held. Here's how to check if fortune favors you:

1. Method 1 - PDF Download:
   • Visit https://housing.mhada.gov.in/
   • Under "Quick Links," click on "Draw Result"
   • Download the PDF containing the complete results
2. Method 2 - Application Search:
   • On the MHADA website, click on "Draw Result"
   • Enter your application number in the search box
   • Click "Search" to see your individual result immediately

Pro tip: The lottery draw may be live-streamed on MHADA's official social media channels, allowing you to witness the event in real-time.

Accepting Your MHADA Housing Unit

If you're among the lucky winners, follow these steps to claim your new home:

1. Log in to the MHADA lottery website using your credentials
2. Download the Letter of Intent (LOI) issued in your name
3. Complete the acceptance procedure with e-signature
4. Note: If you've won in multiple lotteries, you must surrender all except one unit
5. Complete the payment within 180 days of acceptance
6. After payment, proceed to the Sub-Registrar Office (SRO) for property registration

Surrendering Your MHADA Unit

If you decide not to proceed with your allotted unit, here's the surrender process:

1. Log in to the MHADA lottery website or mobile app using your PAN and password/OTP
2. Go to "Menu" and select "Application List"
3. Choose the winning application you wish to surrender
4. Click the "Surrender Tenement" button
5. Provide a valid reason for surrendering
6. Download the filled surrender letter
7. Print, sign, and submit it to the MHADA department

EMD Refund in Case of Surrender

• Before Final Provisional Offer Letter (POL): Full EMD refund
• After Receiving POL: 10% of EMD is deducted, remaining 90% refunded

Stamp Duty and Registration Process

Stamp Duty and Registration Charges

All lottery winners must pay stamp duty and registration charges to legally secure their property:

1. MHADA publishes the applicable amount on their website
2. Charges vary based on property location, area, and current government rates
3. MHADA provides their PAN and TAN details to facilitate the process
4. Payment can be made online through designated payment gateways

Property Registration Process

Once payment is complete, follow these steps to register your property:

1. Visit https://igrmaharashtra.gov.in/Hom
2. Click on the "MHADA" section
3. You'll be redirected to the iSarita 2.0 portal
4. Login as a citizen
5. Complete the MHADA property registration form
6. Pay the required fees
7. Schedule an appointment with the Sub-Registrar Office
8. Visit the office on the appointed date with original documents
9. Complete the registration process to receive your property documents

Refund Policy and Status Check

Refund Policy

• Unsuccessful applicants will receive their EMD refund within seven working days after the lottery
• Refunds are processed directly to the bank account mentioned in the application
• No processing fee is deducted for unsuccessful applications

Checking Refund Status

To track your refund:

1. Visit https://www.mhada.gov.in/enn
2. Under the "Lottery" tab, click on "Post Lottery"
3. You'll be redirected to https://postlottery.mhada.gov.in/login.do
4. Enter your username/application number
5. Select the lottery event year from the dropdown menu
6. Click "Submit" to view your refund status

If you don't receive your refund within the stipulated time, contact MHADA at +91-9869988000 or 022-66405000.

Upcoming MHADA Projects in Mumbai

MHADA continues to develop affordable housing projects across Mumbai. Some notable projects under construction include:

1. MHADA Eighty Eight Avenue, Goregaon: Modern apartments with excellent connectivity to Western Express Highway
2. MHADA Charkop Jinprem CHSL, Charkop: Family-friendly community with open spaces and amenities
3. MHADA Srinivas Mill, Lower Parel: Premium development in Mumbai's central business district
4. MHADA Layout, Sector 8, Charkop: Planned community with essential facilities and green spaces
5. New Matunga Project: Upcoming development in central Mumbai (expected announcement in late 2025)

Recent MHADA Lottery Updates (2024-2025)

MBRR Board Lottery (April 2025)

The Mumbai Building Repairs and Reconstruction Board (MBRRB) of MHADA conducted a computerized lottery for 178 eligible applicants on April 24, 2025. Key highlights:

• 105 applicants received housing units
• Part of MHADA's 100-Day Action Plan
• Focused on providing permanent housing to eligible occupants of cess buildings
• New policy: Eligible original tenants now charged only 100% of Ready Reckoner Rate (reduced from 110%) for additional areas beyond original units
• Policy applied retrospectively to December 2023 lottery beneficiaries

MHADA Mumbai Lottery (August 2024)

The previous major MHADA lottery in Mumbai was held in August 2024:

• 2,030 flats were offered across Mumbai
• Registration opened on August 9, 2024
• Lucky draw was held on October 8, 2024, at Yashwantrao Chavan Pratishthan, Nariman Point

Unit Distribution by Category:

• EWS: 359 units
• LIG: 627 units
• MIG: 768 units
• HIG: 276 units

Key Locations:

• Pahadi Goregaon
• Antop Hill-Wadala
• Kopri Powai
• Kannamwar Nagar-Vikhroli
• Shivdham Complex-Malad

Price Range: Rs 29 lakh to Rs 6 crore, with possession given before Diwali 2024

Conclusion

The MHADA Mumbai Lottery 2025 presents a golden opportunity for Maharashtra residents to secure affordable housing in one of India's most expensive real estate markets. With 5,000 units up for grabs across various income categories and prime locations, this Diwali lottery is expected to be highly competitive.

To maximize your chances of success, ensure you meet all eligibility criteria, prepare your documents well in advance, and submit your application before the deadline. Follow the application process meticulously and stay updated on all announcements through MHADA's official website.

Remember, affordable housing in Mumbai is a rare opportunity, so don't miss this chance to own your dream home through the MHADA Mumbai Board Diwali Lottery 2025. Good luck with your application!

Frequently Asked Questions

Can NRIs apply for MHADA lottery in Mumbai?
Yes, NRIs can apply if they have a Maharashtra domicile certificate and meet other eligibility criteria. They may need to be present during key stages or appoint a power of attorney.

How is the winner selected in the MHADA lottery?
Winners are selected through a computerized random draw system conducted under government supervision to ensure complete transparency.

What happens if I provide incorrect information in my application?
Providing false information can lead to disqualification and possible blacklisting from future MHADA lotteries.

Can I apply for multiple categories in the same lottery?
Yes, you can apply for multiple categories if you meet the eligibility criteria, but separate applications and EMD payments are required for each.

If I win, can I sell my MHADA flat immediately?
No, MHADA typically imposes a lock-in period of 5-10 years before the property can be sold in the open market.

What is the typical EMD amount for MHADA lottery applications?
EMD varies by category, generally ranging from Rs 25,000 for EWS to Rs 2 lakh for HIG units.

Do MHADA lottery winners get housing loans easily?
Yes, most banks and financial institutions offer favorable loan terms for MHADA properties due to their clear titles and government backing.

How many times can I apply for MHADA lottery if unsuccessful?
There is no limit. You can continue applying for MHADA lotteries as long as you meet the eligibility criteria.