"My Home, My Right" – Maharashtra's State Housing Policy 2025

A promise of sustainable, safe, and environment-friendly housing

Target of building 35 lakh houses by 2030

 

The State Housing Policy 2025 has been approved in today's Cabinet meeting. Based on the slogan "My Home, My Right", the policy envisions providing every citizen in the state with sustainable, safe, and environment-friendly housing by 2030. The meeting was chaired by Chief Minister Devendra Fadnavis. The policy emphasizes data-based decision-making, use of modern technology, speed, transparency, and social inclusiveness.

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🔑 Key Features of the Housing Policy:

🕰️ Policy after Two Decades:

The last housing policy in the state was published in 2007. After around 18 years, a new housing policy has been announced.

🧱 Four Pillars of the Policy:

The policy is designed around four guiding principles: Affordable, Inclusive, Sustainable, and Resilient Housing, to address economic, social, environmental, and disaster-related challenges.

👥 Social Inclusion:

Special measures have been proposed for senior citizens, working women, students, and industrial workers. Working women and students will be provided rental housing; industrial workers will get rental homes for up to 10 years, after which ownership will be transferred. Developers and operators will be encouraged under public-private partnerships. CSR funds will also be utilized for social housing and will be incentivized.

🏘️ 35 Lakh Homes by 2030:

The state has set a target to build 35 lakh homes for EWS, LIG, and MIG segments by 2030. This will require an investment of approximately ₹70,000 crore. A further target of 50 lakh homes by 2040 has also been set.

📊 Housing Demand Survey & Analysis:

By 2026, a survey and analysis will be conducted in all districts to assess the requirement and demand for housing, which will guide future planning and implementation.

🌐 State Housing Information Portal (SHIP):

A centralized digital platform called SHIP will be developed to facilitate data-based decisions. It will include:

• Housing demand and supply tracking
• Geo-tagging of housing units
• Fund disbursement tracking
• District-wise land bank integration
• Coordination with systems like MahaRERA, MahaBhulekh, and PM Gati Shakti
  Artificial Intelligence tools will be used for analysis, forecasting, and real-time decision-making. All housing schemes will be linked to the Maharashtra Unified Citizen Data Hub Portal.

🗺️ Land Bank for Residential Use:

By 2026, a statewide land bank of government lands suitable for residential use will be created in coordination with the Revenue and Forest Department, MSRDC, MIDC, Regional Planning Authorities, Water Resources Department, etc. This information will be updated on SHIP and used for new housing development.

🎯 Housing for Special Groups:

Housing schemes are proposed for:

• Government employees
• Ex-servicemen
• Freedom fighters
• Differently-abled persons
• Journalists
• Artists
• Mill workers
• Mathadi workers
• Airport staff

Additionally, affordable rental housing near major hospitals in cities like Mumbai will be developed for relatives of patients. All these schemes will be implemented in line with the PMAY (Urban) scheme. In accordance with the Prime Minister’s "Walk to Work" initiative, focus will be placed on developing housing near employment centers, especially in industrial zones.

It is proposed that 10–30% of the 20% area reserved for utility plots in industrial zones will be earmarked exclusively for residential use.

🌆 Inclusive Housing in Metropolitan Areas:

The Inclusive Housing Scheme under UDCPR Rule 3.8.2 and DCPR Rule 15 will now be applicable not only to municipalities with populations over 10 lakh but also to all Metropolitan Region Development Authorities.
This data will be regularly updated through the MahaAwas mobile app and published on the Housing Department portal.

🏛️ State-Level Apex Grievance Redressal Committee:

There is currently no state-level grievance mechanism for redevelopment projects under DCPR 2034 Regulations 33(5), 33(7), 33(9) and MHADA Act Section 79(A). Hence, a State-Level Apex Grievance Redressal Committee will be formed to:

• Monitor quality control
• Mediate between beneficiaries and developers
• Ensure timely completion of redevelopment projects

🏢 Self-Redevelopment Cell:

A Self-Redevelopment Cell will be established at the state level to encourage and facilitate the self-redevelopment of cooperative housing societies.
A Self-Redevelopment Fund of ₹2,000 crore will also be created for this purpose.

💰 MahaAwas Fund:

As per NITI Aayog’s recommendation, a MahaAwas Fund of ₹20,000 crore will be set up at the state level to boost housing projects. This fund will support ambitious housing initiatives across Maharashtra.

🏘️ Affordable Rental Housing:

Large-scale availability of affordable rental housing will be ensured. This goal will be achieved through government/semi-government agencies like MHADA, CIDCO, and private developers.

🌱 Green Building Initiative:

The new housing policy promotes green buildings, encouraging:

• Use of heat-resistant materials
• Environment-friendly construction designs
• Energy-efficient technologies

To mitigate heat stress and address climate change, the policy promotes:

• Rooftop gardens
• Green infrastructure integration
• Area development with extensive tree plantation

 Disaster-Resilient Buildings:

Innovative construction technologies under the Global Housing Technology Challenge (GHTC) will be adopted to make buildings sustainable, affordable, climate-resilient, and capable of withstanding heatwaves, floods, and earthquakes.

Construction Technology Research Centre to be Established

To promote the use of modern technology, green buildings, disaster-resilient construction techniques, inclusivity, and affordable housing, a Construction Technology Research Centre will be established.

 Redevelopment Policies

• Tripartite Agreement & Escrow Account Mandatory:
  To protect the rights of flat owners in redevelopment projects and to avoid hindrance in the rehabilitation process, a tripartite agreement between the society, developer, and the concerned planning authority / government or semi-government land-owning agency will be made mandatory. The developer will be required to deposit advance rent in an escrow account for the protection of residents.
• Extension of MHADA Act Provisions:
  To boost redevelopment in Mumbai suburbs, the provisions of Sections 79(A) and 91(A) of the MHADA Act, currently applicable to cess buildings, will be proposed to be extended to non-cess buildings. A detailed study will be conducted at the MHADA level for this purpose.
• Legal Amendments Outside Mumbai:
  To expedite the rehabilitation process outside Mumbai, necessary amendments will be made to the Maharashtra Municipal Corporation Act, the Maharashtra Regional and Town Planning Act, 1966, and other relevant legislation.

 Funding for Social Housing and Slum Rehabilitation

• Use of CSR Funds:
  Corporate Social Responsibility (CSR) funds will be utilized for affordable and social housing projects, especially for working women, senior citizens, and student housing. Appropriate procedures will be defined to facilitate this initiative.
• Appointment of Knowledge Partners:
  To further strengthen, expand, and make the policy framework more inclusive and responsive to evolving economic, social, and climatic challenges, institutions like IIT, IIM, UDRI, WRI will be appointed as Knowledge Partners.
• Use of Central Government Land for Slum Rehabilitation:
  The policy proposes the use of central government land for slum rehabilitation projects. Under this provision, joint ventures between the central government and the Slum Rehabilitation Authority (SRA) can be undertaken for slum redevelopment. It is also proposed to seek funding from the concerned central government departments.
• IT-Based System for Slum Rehabilitation Projects:
  To enhance transparency, real-time monitoring, and accountability in SRA projects, the policy promotes the use of IT-based systems. These digital tools will streamline beneficiary identification, project status updates, and fund management, thereby improving implementation efficiency.
• Promotion of Cluster Redevelopment:
  As a strategic approach to revive multiple slums in a single ward through integrated planning, cluster redevelopment will be encouraged under the new housing policy.
• CSR Funds for Slum Rehabilitation:
  The use of Corporate Social Responsibility (CSR) funds for slum rehabilitation projects is proposed. This will promote private sector participation to meet housing challenges. The aim is to mobilize additional financial resources and strengthen cooperative efforts between the government and developers to improve living standards.
• Mandatory Registration of Development Agreements:
  Agreements between slum dwellers and developers will be registered on stamp paper with minimum stamp duty, ensuring the legal rights of slum dwellers are protected.

 Additional Incentives in Rehabilitation Projects

• Inclusion of Common Areas in Rehabilitation Area:
  To incentivize developers, common areas like parking, staircases, lifts, and lift lobbies in rehabilitation buildings will be included in the rehabilitation area. The Urban Development Department will initiate further action on providing incentive FSI (Floor Space Index) for the same.
• Redevelopment of Dilapidated Buildings:
  Dilapidated rehabilitation buildings will be allowed to be redeveloped with incentive FSI on the lines of Regulation 33(7)(A) to promote faster redevelopment.

 Special Measures for Stalled Projects

• Selection of New Developers:
  For slum rehabilitation projects where no progress has been made despite repeated meetings, new capable developers will be selected through a tender process.
• Joint Implementation of Stalled Projects:
  Of the 228 stalled projects in the Mumbai Metropolitan Region (MMR), the government has approved their implementation through joint partnerships involving agencies like BMC, MHADA, CIDCO, MMRDA, MahaHousing, MIDC, SPPL, etc.