Bihar State Housing Board Affordable Housing Schemes
This profile has been independently compiled from official gazette notifications and verified web domains. Source Authority Link: bshb.bihar.gov.in Authority: Housing Department (Bihar) • State/Region: Bihar • Last Audited: 03 Sep 2026
Quick AI Summary
The Bihar State Housing Board (BSHB) develops residential colonies, flats, and plots for urban residents of Bihar through periodic lotteries and installment-based purchase options, with preferential pricing for economically weaker sections, low-income groups, and middle-income groups.
Detailed Summary
Overview
The Bihar State Housing Board undertakes planned urban development by constructing multistory apartments, individual houses, and serviced plots in cities such as Patna, Gaya, Bhagalpur, and other district headquarters. Projects are launched periodically and allotted via a transparent e‑lottery system.
Implementation
Each scheme specifies unit sizes, carpet areas, and pricing tiers aligned with EWS (up to ₹3 lakh annual income), LIG (₹3–6 lakh), and MIG (₹6–12 lakh) categories. Beneficiaries may opt for installment plans spanning 5–10 years, with interest subsidies where applicable. Allotment priority is given to domiciled residents of Bihar, with reserved quotas for SC/ST/OBC and persons with disabilities as per state government directives.
Monitoring & Allotment
Applications are submitted online through the BSHB portal during announced registration windows. Successful applicants are selected via a computerized e‑lottery, and allotment letters are issued electronically. Possession is granted upon completion of stipulated installments.
Key Benefits & Financial Assistance
| Comparison Criteria | Benefits |
|---|---|
| Key Benefits |
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Eligibility Criteria Profile
| Comparison Criteria | Eligibility |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Maximum Family Income | ₹1,200,000 per annum or below |
| Domicile State | Bihar Domicile |
Application Process Guide
- Visit the official BSHB portal (https://bshb.bihar.gov.in/) during the announced registration period.
- Create an account using mobile number/email and verify via OTP.
- Fill the online application form with personal, income, and residence details.
- Upload scanned copies of required documents (Aadhaar, income certificate, domicile proof, bank passbook).
- Pay the non‑refundable registration fee through the provided online payment gateway.
- Submit the application; note the application number for future reference.
- Await the e‑lottery draw date published on the portal; results are announced online.
- If selected, pay the initial deposit and sign the allotment agreement within the stipulated time.
Common FAQs regarding this Yojana
Any domiciled resident of Bihar aged 18 years or above whose annual household income does not exceed ₹12,00,000 is eligible. There are no restrictions on gender, caste, occupation, disability, or minority status, although reserved quotas for SC/ST/OBC and persons with disabilities apply as per state government norms.
Applicants must upload a scanned copy of Aadhaar Card, Income Certificate (issued by competent authority), Domicile/Residence Proof, Bank Passbook (first page), and a recent passport‑size photograph. All documents must be self‑attested and in PDF/JPEG format not exceeding 2 MB each.
Allotment is carried out through a computerized e‑lottery system. After the closure of the application window, the BSHB publishes the date and time of the draw. The lottery is conducted in the presence of observers, and the list of successful applicants is uploaded on the portal within 24 hours.
Beneficiaries may opt for monthly, quarterly, or yearly installments. Payments can be made online via net banking, debit/credit cards, UPI, or through authorized bank branches. The board also provides an auto‑debit facility linked to the beneficiary’s bank account.
Yes, the state government offers interest subsidies on the loan component for EWS and LIG beneficiaries, reducing the effective interest rate to as low as 4% per annum. Additionally, a one‑time grant of up to ₹50,000 is available for SC/ST applicants subject to budgetary allocation.
No. The allottee cannot sell, transfer, mortgage, or lease the property until the full purchase price, including all installments and any applicable charges, has been paid and a clear title deed has been issued by the BSHB.