4 scheme(s) in this category.
Housing assistance is split cleanly between rural and urban, and the two have different rules, different ministries and different application routes. Choosing the wrong one wastes weeks.
Both share one hard condition: neither you nor anyone in your family may already own a permanent (pucca) house anywhere in India. Both also usually require the new house to be in a woman's name, alone or jointly. In rural areas beneficiaries are picked from a government survey rather than by walk-in application, so being within the criteria does not by itself put you on the list.
Ministry of Housing and Urban Affairs · Central
A home loan interest subsidy of up to Rs 1.80 lakh for economically weaker, low and middle income households in cities buying or building a house worth up to Rs 35 lakh.
Potential benefit Up to ₹1,80,000 one time, released in 5 yearly instalments
Ministry of New and Renewable Energy · Central
Central subsidy of up to Rs 78,000 for households installing rooftop solar on their own home.
Potential benefit ₹30,000 – ₹78,000 one-time
Ministry of Rural Development · Central
Grant assistance for rural families without a permanent house to build a basic pucca home.
Potential benefit ₹1,20,000 – ₹1,30,000 per house
Ministry of Housing and Urban Affairs · Central
Urban housing help through a construction grant, a home loan interest subsidy or affordable rental housing.
Potential benefit ₹1,50,000 – ₹2,50,000 per house