The dream of owning a home in Mumbai — India’s financial capital — is something millions of citizens aspire to achieve. To make this dream more attainable, the Brihanmumbai Municipal Corporation (BMC), through its Property Department (Malmatta Vibhag), has launched the BMC Property Department Housing Scheme 2025.
This new housing initiative will provide affordable flats to citizens in Mumbai’s prime localities at fair and transparent prices. Let’s explore everything about this opportunity, including registration, eligibility, pricing, payment schedule, and important dates. 🌆✨
🏙️ Overview of BMC Property Department Housing Scheme 2025
The BMC Property Department Housing Scheme 2025 is a major step by the Municipal Corporation of Greater Mumbai (MCGM) to offer affordable homes under a transparent process.
Through this scheme, 426 flats will be made available across various Mumbai suburbs, including:
📍 Byculla, Kandivali, Bhandup, Dahisar, Jogeshwari, Goregaon, Marol, and Kanjurmarg.
The scheme covers both Economically Weaker Section (EWS) and Lower Income Group (LIG) categories, ensuring fair opportunities for Mumbai’s working-class families.
According to Housing.com, these flats will be priced between ₹55 lakh and ₹1 crore, depending on the size and location — making them significantly cheaper than the current market rate.
🌐 Applications can be submitted online via the official portal: https://portal.mcgm.gov.in
🎯 Objectives of the Scheme
🏗️ The main goals behind this initiative include:
- Providing affordable housing for Mumbai residents who struggle with high property prices.
- Ensuring transparency in property allotment using an online lottery system.
- Generating municipal revenue by selling developed housing stock.
- Encouraging optimal use of BMC’s existing land and housing assets.
- Supporting government initiatives like Housing for All by 2025.
🌿 This project is also aligned with the DPCR 2034 rule that mandates 20% of large housing projects be reserved for affordable housing.
🏗️ Why This Scheme is Possible
Under the Development Control and Promotion Regulation (DPCR) 2034, developers in Mumbai are required to allocate 20% of land area in large residential projects for affordable housing.
BMC has acquired these units from developers and is now offering them directly to citizens through an official housing lottery.
✅ This ensures fair pricing
✅ Prevents black marketing or corruption
✅ Provides transparency in allotment
🏠 Properties Offered Under the Scheme
A total of 426 flats are being offered through the BMC Property Department Housing Scheme 2025, spread across various prime and suburban locations.
📍 Localities include:
- Byculla
- Kandivali
- Bhandup
- Dahisar
- Jogeshwari
- Goregaon
- Marol
- Kanjurmarg
These homes are designed for EWS and LIG categories and are either ready-to-move-in or nearing completion.
🏘️ Flat Types:
- 1BHK and 2BHK units
- Sizes ranging from 350 sq.ft. to 600 sq.ft.
- Equipped with modern facilities
💰 Price Range & Payment Schedule
💸 Estimated Price Range: ₹55 lakh to ₹1 crore (as per Housing.com report)
This price range is nearly 30-40% lower than prevailing market prices in similar areas.
💵 Payment Schedule:
- 25% of total cost – to be paid within 30 days of receiving the Provisional Offer Letter.
- Remaining 75% – to be paid within 90 days after that.
Payments are to be made through BMC’s online payment portal.
💳 No cash or offline transactions are permitted.
📅 Important Dates
As per the official brochure and confirmed sources:
| Stage | Date & Time |
|---|---|
| Advertisement Published | 15/10/2025 (4:00 PM) |
| Online Registration Begins | 16/10/2025 (10:00 AM) |
| Payment Gateway Opens | 16/10/2025 (10:00 AM) |
| Last Date to Apply | 14/11/2025 (5:00 PM) |
| Last Date for Online Payment | 18/11/2025 (11:59 PM) |
| Submission & Verification | 18/11/2025 (5:00 PM) |
| Lottery Draw Date | 20/11/2025 |
| Result & Allotment Letters | 21/11/2025 (5:00 PM) |
📢 All updates will be published at: portal.mcgm.gov.in
💻 Online Registration Process
Follow these simple steps to apply for your dream home under the BMC Housing Scheme 2025 👇
Step 1️⃣: Visit the Official Portal
Go to 👉 https://portal.mcgm.gov.in
Click on the “Property Department – Housing Scheme 2025” option.
Step 2️⃣: Register Yourself
Fill in your details:
- Name, Email ID, Mobile Number
- Aadhaar / PAN information
Step 3️⃣: Log In and Fill the Form
Enter all required details:
- Applicant info
- Preferred location
- Income category (EWS/LIG)
- Type of property
Step 4️⃣: Upload Required Documents
Prepare and upload:
📄 Aadhaar Card
📄 PAN Card
📄 Income Certificate
📄 Residence Proof
📄 Photograph
Step 5️⃣: Make Online Payment
Pay the application fee (₹25,000 to ₹50,000) online through the payment gateway.
Step 6️⃣: Submit & Print
Submit the application and download the acknowledgment slip. Keep it for future use.
📄 Required Documents
Applicants must upload self-attested copies of:
- Aadhaar Card
- PAN Card
- Residence Proof (electricity bill, rent agreement, etc.)
- Latest Income Certificate (FY 2024-25)
- Bank Passbook copy
- Caste Certificate (if applicable)
- Passport-size Photograph
💡 Make sure documents are clear, updated, and uploaded in proper format (PDF/JPEG).
👨👩👧 Eligibility Criteria
To be eligible, you must:
- Be an Indian citizen residing in Mumbai.
- Be 18 years or older.
- Not own any house under BMC, MHADA, or CIDCO.
- Meet income limits under:
- EWS (Economically Weaker Section): Income ≤ ₹6 lakh/year
- LIG (Lower Income Group): Income ₹6 lakh–₹9 lakh/year
🧾 Income proof and bank details will be verified before allotment.
🏆 Benefits of the Scheme
✨ Major advantages include:
🏠 Affordable homes at subsidized prices
📊 Transparent e-lottery process
📜 Legal ownership via BMC
💳 Easy online payment options
🌆 Prime locations across Mumbai
💼 Opportunity for first-time buyers
This scheme not only fulfills housing dreams but also contributes to urban development and better planning under the Mumbai Development Plan 2034.
🎫 Lottery Draw & Result Announcement
The lottery draw will take place on 20 November 2025 in the presence of senior BMC officials and the public.
🎥 The entire draw will be live-streame online to maintain transparency.
✅ Results will be published on: portal.mcgm.gov.in
🏅 Successful applicants will receive:
- Provisional Offer Letter
- Allotment Letter after verification
Unsuccessful applicants will get their application fees refunded automatically.
📦 Post Lottery Procedure
After winning:
- Download the Allotment Letter.
- Submit original documents for verification.
- Pay the remaining amount (75%) within 90 days.
- Execute the Agreement of Sale.
- Take possession upon completion of payment.
📊 Comparison: BMC Housing Scheme 2025 vs MHADA Lottery 2025
| Feature | BMC Housing Scheme | MHADA Lottery |
|---|---|---|
| Organizing Authority | Brihanmumbai Municipal Corporation (BMC) | Maharashtra Housing and Area Development Authority (MHADA) |
| Category | EWS, LIG | EWS, LIG, MIG |
| Application Process | Online at portal.mcgm.gov.in | Online at lottery.mhada.gov.in |
| Properties Offered | 426 flats | 4000+ flats (varies yearly) |
| Price Range | ₹55 lakh – ₹1 crore | ₹20 lakh – ₹80 lakh |
| Lottery Date | 20 Nov 2025 | Announced separately |
| Locations | Byculla, Kandivali, Bhandup, etc. | Mumbai, Thane, Pune, Konkan |
| Payment Structure | 25% + 75% (90 days) | Varies by scheme |
💬 Both schemes aim to provide affordable homes but the BMC scheme offers limited flats in prime Mumbai areas.
🧭 Tips for Applicants
✅ Apply early to avoid last-minute issues.
✅ Keep all documents ready before starting the form.
✅ Use only official websites for payment and submission.
✅ Double-check entered details before final submission.
✅ Save acknowledgment and payment receipts.
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🌟 Conclusion
The BMC Property Department Housing Scheme 2025 brings new hope to Mumbai residents dreaming of owning a home. With transparent online procedures, affordable pricing, and fair eligibility rules, it provides a once-in-a-lifetime opportunity for citizens to purchase flats in prime areas.
So, if you wish to become a proud homeowner in Mumbai, don’t wait — visit portal.mcgm.gov.in and apply before 14 November 2025!
👉 For more such detailed guides on government schemes, stay connected with mygovscheme.com.
👉Visit MyGovScheme Youtube Channel.
🏡✨ Your dream home in Mumbai could soon be yours!
