by Ashok Kavadi
The MHADA Lottery is one of Mumbai’s most awaited affordable housing schemes. Run by the Maharashtra Housing and Area Development Authority (MHADA), this initiative gives residents a chance to own a home at government-subsidized rates. Here’s a complete breakdown of how the MHADA lottery system works in 2025.
What is the MHADA Lottery?
The MHADA Lottery is a state-run housing scheme where residential flats are allotted to eligible applicants through a transparent computerized lottery draw. These homes are typically priced lower than market rates, making them highly popular among middle-income and lower-income groups in Mumbai and Maharashtra.
Categories in MHADA Lottery
MHADA offers homes under different income categories:
EWS (Economically Weaker Section): Income below ₹3 lakh/year
LIG (Lower Income Group): ₹3 lakh – ₹6 lakh/year
MIG (Middle Income Group): ₹6 lakh – ₹12 lakh/year
HIG (High Income Group): Above ₹12 lakh/year
Homes are priced and allocated based on these income brackets.
How Does the MHADA Lottery Process Work?
Step 1️⃣: Scheme Announcement
MHADA releases its housing lottery schedule, number of homes, locations, and category-wise pricing via its official website https://lottery.mhada.gov.in and leading newspapers.
Step 2️⃣: Online Application
Eligible applicants must:
Register on the MHADA lottery portal
Fill out the application form
Upload identity proof, income certificate, and residence proof
Pay the application fee online (₹5,000 – ₹50,000 depending on category)
Step 3️⃣: Payment & Application Confirmation
Once the payment is made successfully, applicants receive an acknowledgment slip confirming their participation in the lottery.
Step 4️⃣: Computerized Draw
On the lottery date:
MHADA conducts a transparent computerized draw in the presence of government officials, journalists, and applicants.
Results are published instantly on the MHADA website.
Step 5️⃣: Winner Allotment & Payment
Winners receive:
An allotment letter
Timeframe to pay the first installment
Agreement copy signing schedule
If a winner fails to make payment within the given time, the allotment is canceled.
What Happens to Non-Winners?
Refund of application fees within 7 working days after the draw.
Applicants can try again in the next lottery scheme.
Documents Required
PAN Card
Aadhaar Card
Domicile Certificate
Income Proof
Passport-size Photo
Bank Details
Popular MHADA Lottery Locations in Mumbai
Goregaon East & West
Kandivali
Ghatkopar
Vikhroli
Powai
Malad
Advantages of MHADA Lottery Homes
✅ Lower-than-market rates
✅ Transparent draw system
✅ Financial schemes available via banks
✅ Government-backed ownership security
Important Tips for Applicants
Apply only under your correct income category
Double-check your documents before uploading
Track refund status if unsuccessful
Stay updated on MHADA website for new schemes
Final Thoughts
The MHADA Lottery System is one of the fairest and most affordable ways to own a home in Mumbai. With strict eligibility, transparent draws, and subsidized pricing, it remains a golden opportunity for families seeking their first home in the city.
