CIDCO Housing Scheme: Complete Application Guide

The City and Industrial Development Corporation (CIDCO), Maharashtra's town planning authority, offers affordable homes through its "My Preferred CIDCO Home" initiative. The scheme is designed to provide housing opportunities across various income groups through a transparent online registration and computerized lottery process.

To begin the application, interested buyers must visit the official CIDCO Homes portal and create a profile using their full name and registered mobile number. Applicants are required to complete digital verification by providing their Aadhaar number and PAN details. During registration, bank account information must also be furnished along with a scanned copy of a cancelled cheque or the first page of the bank passbook.

Applicants are then required to select their income category and provide details regarding annual family income and existing homeownership status. If applying jointly, co-applicant details must also be submitted. Necessary supporting documents, including domicile certificates, income proof, and reservation category certificates, need to be uploaded before paying a one-time non-refundable registration fee of Rs 200 plus GST.

Property Selection and Lottery Process

After successful registration, eligible applicants can participate in the preference selection stage. Under the scheme, CIDCO allows buyers to choose up to 15 property preferences across multiple lottery rounds. Applicants can specify preferred locations, towers, and even floor levels based on the available inventory.

To officially participate in the lottery, a refundable booking deposit must be paid. The booking amount is Rs 75,000 for the Economically Weaker Section (EWS), while applicants in the Lower Income Group (LIG) category must deposit Rs 1.5 lakh for 1 BHK homes and Rs 2 lakh for 2 BHK homes.

Once the booking window closes, CIDCO publishes a draft list of eligible applicants. Those who identify any discrepancy in their application are given a seven-day objection period to seek corrections. After resolving objections, a final list of eligible participants is released, followed by a computerized draw that determines the allotment of homes.

Eligibility Rules and Allotment Procedure

The scheme lays down specific eligibility conditions based on income category and homeownership status. For the EWS category, the annual family income should not exceed Rs 6 lakh, and the applicant, spouse, or unmarried children should not own a pucca house anywhere in India. For the LIG category, annual family income must exceed Rs 6 lakh, while the applicant or immediate family should not own a house in Navi Mumbai.

A valid Maharashtra domicile certificate is mandatory for most applicants, although this requirement does not apply to ex-servicemen. Married applicants must include their spouse as a co-applicant, while unmarried male applicants may include their mother as a co-applicant. Female applicants are not required to have a co-applicant.

• Online registration requires Aadhaar, PAN, bank details, and supporting documents.
• Applicants can choose up to 15 property preferences.
• Booking deposits range from Rs 75,000 to Rs 2 lakh depending on the category.
• The final allotment is made through a computerized lottery system.
• Selected applicants receive a Letter of Intent (LOI), while unsuccessful applicants get a refund of their booking amount.

After the lottery results are announced, successful applicants receive a Letter of Intent (LOI) and are required to pay the prescribed confirmation amount. The remaining payments are made according to the schedule mentioned in the allotment letter. Applicants who are not selected receive a refund of their booking deposit in the bank account registered during the application process. The scheme also specifies that housing units cannot generally be sold or transferred for five years from the date of the sale agreement, and applications containing incorrect information or duplicate benefits under government housing schemes are liable to cancellation.

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