The Maharashtra Housing and Area Development Authority (MHADA) has opened a fresh window for homebuyers seeking affordable housing in India’s most expensive real estate market. Starting February 5, the MHADA Mumbai Lottery 2026 will offer 120 apartments across prime suburban and South Mumbai locations. Unlike the traditional draw-of-lots, these units are being offered on a first-come, first-served (FCFS) basis, providing a direct acquisition route for eligible citizens who missed out on previous housing schemes.
The latest announcement comes as a significant relief for middle and lower-income groups struggling with skyrocketing property rates. These 120 units were originally part of earlier lottery cycles but remained unsold for various technical or administrative reasons. By moving them to an FCFS model, MHADA aims to expedite inventory clearance while providing immediate housing solutions.
The pricing spectrum for these homes is notably wide, reflecting Mumbai’s diverse urban geography. Prospective buyers can find options ranging from an accessible ₹38 lakh to high-end apartments in South Mumbai’s Tardeo, priced upwards of ₹8 crore. This variety ensures that the scheme caters to both the Economically Weaker Sections (EWS) and High-Income Groups.
Key Locations and Inventory Distribution
The inventory is spread across several strategic pockets of the city. In the western suburbs, flats are available in Kandivali, Charkop, Shimpoli, Malad, Juhu, and Andheri. Central and South Mumbai listings include Antop Hill, Wadala, Byculla, Tardeo, Lower Parel, and Sion. Additionally, units in eastern pockets like Powai, Mankhurd, Ghatkopar, and Vikhroli are also up for grabs.
Eligibility Criteria for MHADA Mumbai Lottery 2026
To participate in the MHADA Mumbai Lottery 2026, applicants must meet specific statutory requirements. Firstly, the individual must be at least 18 years of age on the date of application and hold Indian citizenship.
Documentation is a critical component of the process. Unmarried applicants require a valid Aadhaar Card and PAN Card. For married couples, the identification documents of both spouses are mandatory. Special provisions are in place for divorced individuals, who must provide a certified copy of the court decree. MHADA has clarified that possession will be withheld without a final judgment copy.
Step-by-Step Application Process
The registration phase begins on February 5 on the official portal, https://bookmyhome.mhada.gov.in. However, the actual flat selection and payment window will open on February 12, 2026.
- Registration: Create a profile on the ‘Book My Home’ portal.
- Security Deposit: Pay the required fee to activate the booking option.
- Flat Selection: View available wings, floors, and flat numbers in real-time.
- Booking: Once a flat is selected, the applicant has a 48-hour window to pay 10% of the total sale price.
Financial Constraints and Forfeiture Rules
MHADA has implemented strict timelines to ensure only serious buyers participate. If an applicant fails to deposit the initial 10% within the 48-hour grace period, their claim is automatically revoked. In such cases, the authority will forfeit the entire security deposit.
Furthermore, if a buyer chooses to cancel the allotment after the temporary offer letter is issued, a penalty of 1% of the sale price will be deducted. The remaining balance is refunded without interest. For those seeking financial assistance, MHADA requires a pre-sanction letter from a bank to be uploaded to the portal before a No Objection Certificate (NOC) is issued.
Future Outlook: 5,000 New Units Expected
While the current 120-flat scheme is a localized opportunity, MHADA officials have hinted at a much larger rollout. Approximately 5,000 affordable homes are expected to hit the Mumbai market within the next quarter. Nearly half of these upcoming units are slated for the Goregaon area, targeting a mix of EWS, LIG, and MIG categories.
To learn more, follow Shabdsanchi’s social media pages today and stay updated.
- Facebook: shabdsanchi
- Instagram: shabdsanchiofficial
- YouTube: @shabd_sanchi
- Twitter: shabdsanchi
