Govt. of Bihar

Credit cum Subsidy Scheme in Bihar for Rural Housing

The Credit cum Subsidy Scheme in Bihar for Rural Housing is launched by Bihar State Government, Ministry of Housing and Urban Poverty Alleviation. The scheme is especially launched for households in the rural areas which could not covered under the Indira Aawas Yojana, as either they do not fall into the range of eligibility or due to the limits imposed by the available budget. On the other hand due to limited repayment capacity, these rural households cannot take benefit of fully loan based schemes offered by some of the housing finance institutions. Under this scheme load is provided for housing along with maximum subsidy of Rs. 10,000 per unit is provided for the construction of a house. For getting eligible under this scheme applicant candidate need to qualify some eligibility norms which are mentioned below in articles. Poor people belongs to Bihar can take benefits of this scheme.

Benefits of Credit cum Subsidy Scheme in Bihar for Rural Housing:

  • Credit cum Subsidy Scheme in Bihar for Rural Housing provides benefits by helping poor rural people. Benefits are explain in details below
  • Under this scheme maximum subsidy of Rs. 10,000 per unit is provided for the construction of a house
  • Under this scheme loan is provided for construction of house

Required eligibility and conditions for applying Credit cum Subsidy Scheme in Bihar for Rural Housing:

  1. Rural poor just above the poverty line are entitled to get the benefits of the scheme
  2. Those rural poor who are not covered under Indira Aawas Yojana or either they do not fall into the range of eligibility or due to the limits imposed are eligible
  3. Should be permanent residence of Bihar state
  4. All rural households having annual income up to Rs. 32,000 are eligible under this scheme

Document required for applying Credit cum Subsidy Scheme in Bihar for Rural Housing:

  1. Permanent residence proof of Bihar state
  2. Identity proof of applicant
  3. Proof showing that applicant has not availed same benefits from other scheme
  4. Bank details e.g. account number, account holder name, IFSC code, MICR code
  5. Aadhar card
  6. Income certificate upto Rs. 32,000 per annum
  7. Note: Other documents may require not compulsory

Application procedure:

  1. Applicant who are eligible can visit nearer State Housing Corporation or DRDA/ZP. Applicant will get application form as well as information

Contact Details:

  1. Applicant candidate can contact to State Housing Board, State Housing Corporation, specified scheduled Commercial bank, Housing Finance Institution or the DRDA/ZP

References & details:

  1. For more details regarding documents and other help please visit official website: http://gov.bih.nic.in/Schemes.htm#MPLAD
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