23 NOVEMBER, 2022

Every person in India must own a house, irrespective of their financial status. To achieve these objectives, the Central and State Governments in India launch housing schemes from time to time. Accordingly, Andhra Pradesh State Housing Corporation Limited (APSHCL) launched the YSR Jagananna Housing Scheme or AP Housing society scheme, on June 3, 2021.

Under the YSR housing scheme, lower and middle-income groups will apply and secure loans ranging from INR 2L to 5L at house loan interest rates of 25 paise. The sole intention of the housing scheme is to aid the poor sections in Andhra Pradesh and help them realize their dream of living in their own home and saving much money they would otherwise pay as rent. This post offers all the necessary information about the YSR housing scheme.

More About YSR Housing Scheme-

The YS Jagan Mohan Reddy Government launched the YSR Housing Scheme 2022 to provide housing for approximately 30L people of Andhra Pradesh who are below the poverty line. It is the initiative of the YSR Jagananna Housing Colonies. The plan, a part of the Government's election manifesto, works to provide an own house and better living conditions to the downtrodden in Andhra Pradesh. It covers two projects: YSR Illa Pattalu Scheme and YSR Pedalandriki Illu Housing Scheme.

YSR Illa Pattalu Scheme

The YSR Illa Pattalu Scheme, YSR Avaas Yojana, YSR Housing Scheme, and Pedalaku Illu Pattaalu launch were to assist the poorest of the poor in Andhra Pradesh to have a house of their own. At the launch, the Chief Minister spoke of the state-funded housing scheme to aid in the construction of 30,75,755 house sites to build 28.3 lakh houses for the underprivileged. He also said of job opportunities created in the construction sector in the state in the construction sector.


The YSR Illa Pattaluy Scheme offers better living for the poor as follows:

The beneficiary gets to choose if:

  • They will receive the housing loan funds and build a house themselves.
  • They will receive a completed home comprising a living room, one bedroom, a veranda, and a kitchen. Additionally, they will provide the beneficiary synthetic water tank, two tube lights, two fans, and two LED lights without spending even a paise.

Eligibility to Become a Beneficiary of the YSR Illa Pattalu Scheme-

To avail the benefits of the YSR housing scheme  are available only if the following criteria need to be met:

  • The aspirants must have relevant documentation (APL/BPL Ration Card holders) to prove that they belong to the lower or middle income or below the poverty line group.
  • They should dwell in a rented house or another accommodation they do not own.
  • The person applying for the benefits of a YSR housing loan should not be a government employee, nor should they receive a pension from a previous job with the Government of India or any state government.
  • The person aspiring to be a beneficiary of the YSR Illa Patalu Scheme cannot be an assessee for Income tax purposes. Even if one family member pays income tax, the application of that family for benefits under the YSR Illa Pattalu scheme will be rejected.
  • The applicant cannot own a four-wheeler.

YSR Pedalandriki Illu Housing Scheme

The Government of Andhra Pradesh launched a housing scheme, the Pedalandariki Illu Scheme to benefit the poorer sections of society residing in Vishakhapatnam, Kurnool, and Nellore districts. The launch was on November 18, 2020. The poor people will receive quality houses that are in good condition and comfortable.

The contractors will use quality construction materials to build these homes. The objective is not only to provide homes but to provide better living quarters to the underprivileged in the districts mentioned above and will have a kitchen, veranda, toilet, bedroom, and much more.

The State Government of Andhra Pradesh plans to spend INR 50 940Cr. and build approximately 28.30 lakh houses for the economically backward people of Andhra Pradesh. The Pendalandriki Illu housing scheme was successful in the 1st phase, with about 15.60 lakhs beneficiaries benefiting from the Pedalandariki Illu Scheme.

Beneficiaries Of The Housing Scheme In AP

The benefits of the Housing Scheme in AP are only for those people who are:

  • Permanent residents of Andhra Pradesh.
  • The Low Income Group (LIG), Middle Income Group (MIG), or Economically Weaker Section (EWS).
  • The title deed of the house will be in the women's name. This clause ensures that the women who are the house's beneficiaries receive the maximum benefit.

How to Register for the YSR Housing Scheme?

Only people who are residents of Andhra Pradesh and are APL/BPL Ration Card holders, and do not have a house or land can apply online or offline for the Housing scheme as follows:

For Offline Registration for YSR Housing Scheme

Applicants to the housing scheme in AP must follow the below-mentioned procedure:

  • Anyone who wishes to register for the YSR housing scheme must visit the secretariat office of their ward, or if they are in the rural limits, they must visit the village secretariat's office of the AP housing society to register for the housing scheme.

Online Registration for YSR Housing Scheme

Alternatively, applicants use the online mode for registration to the housing scheme in AP by following the below-mentioned steps:

  • Visit the official website of APSHCL and register, or if already registered, log in to the website with valid credentials.
  • The guidelines will pop up, and the applicants must read them carefully to help them correctly input all details into the application form.
  • Upload the below-mentioned documents
    • The applicant's Below Poverty Line (BPL) ration card states that they are from the Below Poverty Line (BPL) category.
    • Proof of residence (voter ID, electoral card, ration card, etc.)
    • Aadhaar Card
    • Recent photographs in passport-size
    • Bank statement reflecting all the bank details of the applicant or bank passbook
    • Proof of caste, domicile, and income via appropriate documents
    • Mobile Number that the applicant is currently using,
    • Re-check to see if all entities are correct, and click on the submit icon
    • Please print out the application for the YSR housing scheme and file it for future reference.

    Other Schemes from the AP Housing Society

    Please find the other housing schemes under the YSR Housing scheme here below:

    PMAY YSR Housing Schemes

    The State Government of Andhra Pradesh receives assistance from the Central Government in two other schemes, which are:

    PMAY-–YSR Urban Housing Scheme

    To provide new-age concrete houses to urban residents in Andhra Pradesh. 

    PMAY-YSR Gramin Housing Scheme

    The scheme assists the rural, economically backwards Andhraites by providing free land. The AP housing society also provides INR 1,8 L to help with the reconstruction work.

    The Central Government has released INR 5000 Cr, and Andhra Pradesh has released INR 1000Cr to provide better living conditions to urban Andhraites.

    Jagananna Housing Scheme (or Jagan Housing Scheme)

    Any person who is a resident of Andhra Pradesh and earns more the INR 3L but less than INR 18L can avail of the benefits of the Jagananna Housing Scheme. People living within the Municipal corporation limits, even Government employees, can apply for a housing loan under the Jagan housing scheme.


    Andhra Pradesh makes its intentions clear with its several projects under the YSR Housing Schemes. The purpose is to provide the homeless with quality homes and better the lives of those in the BPL category with better living conditions.

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Disclaimer: This Article is for information purpose only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank make no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.