Smart City Housing Scheme: Flats from ₹18 Lakh

1. Introduction to Smart City Housing Scheme

The Smart City Housing Scheme is a flagship initiative by the Government of India aimed at transforming urban housing by offering affordable flats starting from ₹18 Lakh. This scheme focuses on creating sustainable, technology-driven, and citizen-friendly cities while ensuring housing access for all income groups. As of 2025, over 100 smart cities across India are actively implementing housing projects under this initiative.

The vision is aligned with “Housing for All” under the Pradhan Mantri Awas Yojana (PMAY), ensuring that middle and lower-income families can own a home in urban centers.

2. Objectives of the Smart City Housing Scheme

• Promote affordable and sustainable housing in urban areas.
• Use smart technology for better city management and living comfort.
• Reduce congestion and improve infrastructure in Tier-1 and Tier-2 cities.
• Encourage eco-friendly construction and energy-efficient homes.
• Provide better access to transport, healthcare, and education within smart zones.

3. Price Range and Flat Configurations

The pricing starts at ₹18 Lakh for 1BHK flats in select cities and can go up to ₹45–₹60 Lakh for 2BHK and 3BHK options, depending on city and amenities. The construction uses eco-friendly materials with a focus on space efficiency and natural lighting.

Configuration	Approx. Price Range	Target Income Group
1BHK	₹18 – ₹25 Lakh	Lower Income Group
2BHK	₹28 – ₹40 Lakh	Middle Income Group
3BHK	₹45 – ₹60 Lakh	Upper-Middle Income Group

4. City-Wise Smart Housing Projects

Let’s explore major cities offering affordable flats under the Smart City Housing Scheme:

4.1 Mumbai

Projects in Navi Mumbai, Thane, and Kalyan offer 1BHK units from ₹22 Lakh onwards. These flats come with solar lighting, rainwater harvesting, and app-based maintenance support.

4.2 Delhi NCR

Gurugram and Noida are witnessing rapid expansion with units starting from ₹25 Lakh. Connectivity to metro stations and industrial hubs makes them highly desirable.

4.3 Bengaluru

Smart residential clusters in Whitefield and Electronic City feature tech-enabled homes with app-controlled utilities. Prices start at ₹20 Lakh.

4.4 Hyderabad

Projects in Gachibowli and Kokapet provide smart 2BHKs starting from ₹24 Lakh with digital security systems and automated waste management.

4.5 Pune

Affordable and mid-range housing in Hinjewadi and Wakad begin at ₹18.5 Lakh. Flats include green space access, EV charging points, and shared workspaces.

5. Eligibility Criteria

• Applicant must be an Indian citizen aged 18 years or above.
• Annual household income should not exceed ₹18 Lakh.
• Applicant or family should not own a pucca house anywhere in India.
• Preference given to women applicants, senior citizens, and differently-abled persons.

6. How to Apply Online

1. Visit the official Smart Cities Mission Portal.
2. Click on the Smart City Housing Scheme 2025 tab.
3. Fill in details like Aadhaar number, income certificate, and location preference.
4. Upload required documents (ID proof, address proof, income proof).
5. Pay the application fee (₹500–₹1,000 depending on city).
6. Submit and download the acknowledgment receipt.

Applicants will receive SMS and email updates about the status of their application and allotment process.

7. Smart Features of These Flats

• IoT-based energy meters and smart water systems.
• Solar rooftops and rainwater harvesting units.
• App-based visitor management and maintenance requests.
• Public Wi-Fi zones and EV charging points.
• Integrated waste management and recycling plants.

8. Financing and Home Loan Support

Under PMAY and Smart City collaboration, several banks and NBFCs offer subsidized home loans with interest rates as low as 6.5%. Borrowers can also claim credit-linked subsidy benefits of up to ₹2.67 Lakh.

Top Banks Offering Home Loans

• SBI Home Loans
• HDFC Ltd.
• LIC Housing Finance
• Axis Bank
• Punjab National Bank Housing

9. Benefits of Smart City Housing Scheme

• Affordable pricing and government subsidy support.
• Environment-friendly living with green certifications.
• Improved connectivity and public transport access.
• 24×7 surveillance and digital governance services.
• Employment and business opportunities within smart clusters.

10. Future Scope of Smart Housing in India

India’s Smart City Mission is expected to expand to 150+ cities by 2030, driving massive demand for intelligent housing. With increasing digitization and focus on sustainability, smart homes will soon become the standard for urban living.

Private builders are partnering with municipal bodies to create mixed-income housing zones ensuring inclusivity and modern infrastructure.

11. Conclusion

The Smart City Housing Scheme is not just about affordable flats—it’s about building the future of India’s urban ecosystem. With flats starting from ₹18 Lakh, modern facilities, and eco-friendly technologies, this initiative brings the dream of homeownership within reach for millions. As India urbanizes, these smart housing solutions will redefine how people live, work, and connect.