The Maharashtra Housing and Area Development Authority (MHADA) Lottery 2026 for Mumbai has witnessed significant interest from homebuyers across Maharashtra, with over 88,000 applications submitted for the 2,640 homes offered under the scheme. While applications closed on 28 May 2026, applicants can complete the required payments until 11:59 PM on 29 May 2026.

With the application process nearing completion, many applicants are now waiting for the provisional and final applicant lists, followed by the computerized lottery draw and allotment process.

This guide covers the latest MHADA Lottery 2026 updates, eligibility criteria, income categories, documents required, application process, refund policy, and home loan options.

What is MHADA Lottery Scheme?

The MHADA Lottery Scheme is an affordable housing initiative run by the Maharashtra Housing and Area Development Authority (MHADA). MHADA offers homes across different regions of Maharashtra and allocates them through a computerised lottery system. MHADA aims to provide homes at prices that are generally lower than prevailing market rates.

MHADA offers homes under four income categories: 

• Economically Weaker Section (EWS)
• Lower Income Group (LIG)
• Middle Income Group (MIG)
• High Income Group (HIG)

Please note: Prices depend on location, size, and construction cost. For example, in the Mumbai 2024 lottery, EWS flats were priced starting around ₹30–35 lakh, LIG around ₹35–45 lakh, MIG around ₹60–70 lakh, and HIG (larger 3 BHK flats) could cost above ₹1 crore. These prices are much lower than market rates in the same areas (hence “affordable”), but they are still substantial amounts that winners must pay. In Thane district in 2025, MHADA even reduced prices by about ₹1.43 lakh for thousands of EWS flats to attract buyers, indicating that even subsidized prices were high for the target group. 
 

What's New in MHADA Lottery 2026? 

The MHADA Lottery 2026 offered 2,640 homes across different income categories and received more than 88,000 applications from homebuyers. The lottery included homes across multiple Mumbai locations, with a mix of under-construction and ready units.

The table below highlights some of the key details of the MHADA Lottery 2026.
 

Who Can Apply for MHADA Lottery 2026? 

Your eligibility and the category of homes you can apply for under the MAHAD lottery 2026 depend on your annual family income.

Income Categories and Home Allocation
 

What Is The Eligibility Criteria for MHADA Lottery 2026? 

While specific requirements may vary depending on the scheme and housing board, the following are some of the general eligibility criteria for the MHADA Lottery 2026:

• The applicant must be at least 18 years old
• The applicant must fulfil the applicable domicile requirements prescribed by MHADA
• The applicant must apply under the correct income category based on annual family income
• The applicant, spouse, or minor children should not own a residential house, flat, or plot within the same local authority area where the lottery is being conducted, subject to MHADA's applicable rules and conditions
• For married applicants, combined income of the husband and wife may be considered while determining eligibility under a particular income category

What are the House Prices Under the MHADA Lottery 2026? 

For the MHADA Mumbai Lottery 2026, home prices range from approximately ₹29 lakh to ₹6.82 crore.

• The least expensive homes in the lottery are located in Mankhurd and are priced at around ₹29 lakh

• The most expensive apartment in the lottery is located in Tardeo, South Mumbai, with a price of approximately ₹6.82 crore

In a move to improve affordability, MHADA also reduced the prices of 1,221 apartments in Vikhroli by 7.5% ahead of the lottery.
 

What are the Documents Required for MHADA Lottery 2026?

Applicants must keep the required documents ready before starting the registration process.

The list of documents include:

• Mobile number linked with Aadhaar
• Email ID

• Aadhaar Card

• PAN Card

• Domicile Certificate

• Income Tax Return (ITR) 

• Tahsildar Income Certificate

• Spouse's Aadhaar Card, PAN Card and Income Tax Return (ITR) (if married)

• Caste Reservation Certificate/other caste-related prerequisite documents, if applicable

• Special category certificates and supporting documents, if applicable

• Death Certificate of spouse for widow applicants

Types of Homes Available Under MHADA Lottery 2026

The MHADA Mumbai Lottery 2026 offers homes under different categories.

1.Under Construction Properties

These homes are part of ongoing residential projects where construction is still in progress. Homes are handed over to allottees after construction is completed.

2.Developer-Stock Tenements

These homes are developed by private builders and developers and are included in the MHADA lottery. They are allotted through the same computerized draw process.

3.Scattered Tenements

Scattered tenements refer to homes located across different projects and locations rather than within a single residential development. These units are included in the lottery based on their availability within MHADA’s housing stock.

Step-by-Step Application Process for MHADA Lottery 2026

Applicants can complete the MHADA Lottery application process online through the official MHADA lottery portal. The steps below provide a general overview of the application process.

Step 1: Register on the MHADA Lottery Portal

Visit the official MHADA lottery website and create an account using your Aadhaar-linked mobile number and email ID.

Step 2: Complete Your Profile

Fill in the required personal, residential, and income details. Applicants should ensure that the information provided matches their supporting documents.

Step 3: Upload Required Documents

Upload the documents required for the selected category, including identity proof, income proof, domicile certificate, and any applicable reservation or special-category certificates.

Step 4: Select the Lottery Scheme

Choose the MHADA lottery scheme and income category for which you are eligible.

Step 5: Pay the Application Fee and EMD

Complete the payment of the application fee and Earnest Money Deposit (EMD) through the available payment methods.

Note: Applications for the MHADA Lottery 2026 closed on 28 May 2026. Applicants can complete the required online payments until 11:59 PM on 29 May 2026.
 

MHADA Lottery 2026: What Happens After Applying and Making the Payment? 

Once the application process is completed, MHADA begins the verification and allotment process. Applicants can expect the following stages:

1. MHADA publishes a provisional list of applicants who have successfully completed the application process.

   Expected Date: 10 June 2026, 3:00 PM 

2. Applicants can submit claims or objections if they identify any errors in their application details or eligibility status.

   Expected Last Date: 12 June 2026, 3:00 PM 

3. After reviewing all claims and objections, MHADA releases the final list of eligible applicants who will participate in the lottery draw.

   Expected Date: 16 June 2026, 3:00 PM 

4. MHADA conducts a computerised lottery draw to allot homes to eligible applicants.

   Expected Date: To be announced by MHADA

5. Successful applicants receive an allotment letter and can proceed with the payment and possession process as per MHADA’s guidelines.
    

What Happens If You Are Not Allotted a Home Under MHADA Lottery 2026? 

If you are not selected in the MHADA Lottery 2026 draw, MHADA will initiate the refund of your Earnest Money Deposit (EMD). The refund is credited to the bank account provided during the application process. Make sure the bank account details provided during registration are accurate to avoid delays. The application fee and applicable taxes paid during the application process are generally non-refundable. 

Disclaimer: Refer to the 2026 scheme guidelines for the latest refund-related terms and conditions.
 

What is Earnest Money Deposit (EMD) for MHADA Lottery 2026?

The Earnest Money Deposit (EMD) is a refundable amount that applicants must pay while submitting their MHADA lottery application. MHADA collects this deposit to confirm an applicant’s participation in the lottery process.

The EMD amount may vary depending on the income category and the lottery scheme. 

Note: Applicants should refer to the official MHADA Lottery 2026 scheme details for the latest EMD requirements and payment instructions.

Can You Take a Home Loan for a MHADA Property? 

Yes, successful applicants can apply for a home loan to finance the purchase of an MHADA-allotted property, subject to the lender’s eligibility criteria and documentation requirements.

A home loan can help cover the cost of the property, allowing buyers to repay the amount through affordable monthly instalments over a chosen tenure.

Can You Sell a MHADA Flat?

Yes, MHADA flat owners can sell their property, but the flat is generally subject to a lock-in period during which it cannot be sold or transferred. Any sale or transfer carried out in violation of MHADA's rules may result in legal and administrative complications.

Applicants should refer to the allotment terms and conditions applicable to their scheme to understand the lock-in period and transfer requirements.

What Are the Various MHADA Boards in Maharashtra?

MHADA operates through multiple regional housing boards across Maharashtra. Depending on the location of the project, applicants may come across lottery announcements from different MHADA boards.

The major MHADA boards are:

• Mumbai Housing and Area Development Board (MHADB)

• Konkan Housing and Area Development Board (KHADB)

• Pune Housing and Area Development Board (PHADB)

• Nashik Housing and Area Development Board

• Nagpur Housing and Area Development Board

• Chhatrapati Sambhajinagar Housing and Area Development Board

• Amravati Housing and Area Development Board

What are the Other Types of MHADA Schemes?

1. MHADA First Come First Serve (FCFS) Scheme

The MHADA First Come First Serve (FCFS) Scheme offers an alternative method of allotment for certain housing units on a first-come, first-served basis, subject to availability. FCFS schemes are typically introduced for unsold inventory from previous housing projects or lottery schemes.

Applicants who are unable to secure a home through the lottery may consider checking the availability of homes under FCFS schemes announced by MHADA from time to time.

2. MHADA E-Auction Scheme

MHADA also conducts e-auctions for selected properties, mainly including shops, commercial spaces, and plots. In some cases, residential units may also be offered through e-auctions. Eligible participants can place bids online, and the property is allotted to the highest bidder, subject to the applicable terms and conditions.

Interested applicants can visit the official MHADA website to check the latest e-auction notifications and available properties.

3. Other MHADA Schemes

MHADA also offers other housing schemes from time to time, including:

• General Lottery Scheme: Open to eligible applicants and homes are allotted through a computerized lottery draw.

• Pradhan Mantri Awas Yojana (PMAY) 2.0: Focused on improving access to affordable housing for eligible beneficiaries.

• Comprehensive Housing Schemes: Designed for specific beneficiary groups, including government employees and other eligible applicants.

Final Thoughts

Affordable housing initiatives continue to play an important role in improving access to homeownership in India. The high demand for MHADA homes shows, many homebuyers are actively looking for structured and transparent ways to purchase a property. Staying updated on scheme announcements and understanding the application process can help applicants make the most of these opportunities when they become available.