Basava Vasati Yojana 2026: Who Qualifies, How to Apply & Benefits
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Basava Vasati Yojana 2026: Karnataka Housing Scheme Explained 

The Karnataka Government's Basava Vasati Yojana is a program that helps impoverished and homeless people get low-cost accommodation. The Basava Vasati Yojana gives people who don't have a lot of money the building materials they need to build their own homes. Keep reading to learn more.

What is Basava Vasati Yojana (RGRHCL)? 

The Karnataka government has launched various schemes for the welfare of economically and socially backward class people. The Basava Vasati Yojana, also known as the Ashraya Yojana, is implemented by the Rajiv Gandhi Housing Corporation Limited (RGRHCL) under the Karnataka government. It was initiated to provide pucca houses to people living in Karnataka below the poverty line (BPL) and those in the SC/ST/OBC categories. The Karnataka state government manages this scheme with the central government to provide pucca homes to homeless people at discounted market rates. 

Basava Vasati Yojana Latest Updates (2026)

The scheme continues to be one of the most rigorous schemes of the Karnataka government to provide affordable housing for people. There have been some key updates as of 2026, they are: 

Category 

Details 

Housing Target (2026) 

The government aims to construct 2 lakh homes for economically weaker sections by the end of 2026, despite financial constraints. 

Subsidy Amount 

Eligible beneficiaries receive financial assistance ranging from ₹1.20 lakh to ₹1.50 lakh for house construction. 

Raw Material Support 

Up to 85% of construction raw materials may be provided free of cost under the scheme. 

Minority Quota 

Allocation for minority communities has been increased from 10% to 15%. 

Documents Required for Basava Vasati Yojana (RGRHCL) 

Here is a list of documents required to apply for the RGRHCL project benefits: 

  • Voter ID card 
  • Aadhaar card 
  • PAN card 
  • Bank details 
  • Income certificate 
  • Address proof 
  • Age proof 
  • Passport-sized photo 

Objectives of Basava Vasati Yojana (Rajiv Gandhi Housing Scheme) 

The Ashraya Yojana, Karnataka, aims to help homeless people build quality pucca homes at affordable rates. The Karnataka government created the RGRHCL to construct affordable homes in different parts of the state. During Budget 2020-21, the then Chief Minister of Karnataka allocated a budget of ₹2500 Crore for constructing 2 lakh houses in the state. 

The scheme caters to the underprivileged in the state, regardless of their rural or urban location. The primary objective is to provide shelter to the eligible beneficiaries, especially the economically weaker sections of society. Under this scheme, the underprivileged people of Karnataka can afford a quality house. If they own land, the government provides funds for acquiring construction materials to build a pucca house. Eventually, the scheme intends to enhance people's living standards in the state. 

Eligibility Criteria for Basava Vasati Yojana Scheme (Ashraya Yojana) 

To apply for the Ashraya Yojana Karnataka, one must fulfil the following conditions prescribed by the Karnataka government: 

  • Permanent residents of the state of Karnataka 
  • Household income not exceeding ₹32,000 per annum 
  • Do not own a pucca house in Karnataka or anywhere else in India 
  • Have a kutcha house or land to construct a pucca house 

The Rajiv Gandhi Housing Scheme provides kutcha houses or land owners up to 85% of the raw material required to construct a pucca house. Consequently, the scheme ensures an improvement in their standard of living while adhering to the nation’s sustainability goals. 

Rajiv Gandhi Vasati Yojana: How to Apply Online in Basava Vasati Yojana (Step-by-Step 2026)? 

Applicants can apply for the Ashraya Yojana Karnataka scheme by following this step-by-step procedure: 

  • Visit the official website of Ashraya for Karnataka RGRHCL. 
  • Click on the Registration link or the online application on the home page. 
  • Enter required personal information and upload supporting documents. The Gram Panchayat finalises the beneficiary list. The BDO selects beneficiaries via lottery, visits the applicant’s address, submits Form 17, and forwards it to the executive officer. The final list of beneficiaries is accessible at the local block development office. 

Difference between Basava Vasati Yojana and PM Awas Yojana 

While both schemes are aimed at providing affordable housing to citizens, there are some key differences between them. Understanding them will help you decide which one is more suited for you. 

Feature

Basava Vasati Yojana

PM Awas Yojana (PMAY)

Geography 

Limited to residents of Karnataka 

Available across India 

Target Group 

Homeless individuals from SC, ST, OBC, and BPL categories 

Urban and rural poor, including EWS, LIG, and MIG groups 

Financial Assistance 

Direct subsidy ranging from ₹1.20 lakh to ₹1.50 lakh 

Subsidy up to ₹2.67 lakh (interest subsidy on home loans) or direct financial aid 

Raw Material Support 

Up to 85% of construction raw materials are provided free 

Primarily financial assistance; no raw material support 

Approval Process 

Typically faster due to local processing by Rajiv Gandhi Housing Corporation Limited 

May take longer due to multiple approvals at the state and central levels under Pradhan Mantri Awas Yojana 

How to Check Beneficiary Status in Basava Vasati Yojana (RGRHCL)? 

Scheme applicants can follow these steps to check their RGRHCL status: 

  • Visit the RGRHCL portal. 
  • Select ‘Beneficiary Information’ from the top menu. 
  • A new page will open that requires the district and the acknowledgement number of the applicant. 
  • Click ‘Submit’ to check the RGRHCL status. 
  • The application status will appear on the screen. 

To check information about the grant release after application, visit the portal once again, look for “Subsidy Fund Release” details based on the applicant’s location, select the year and week of application, and enter the reference number. Click 'Submit', and the details will instantly appear on the screen. 

Basava Vasati Yojana: Charges to Apply for the Scheme (Ashraya Yojana) 

Since the scheme is specifically meant for economically weak sections of society, there are no charges to apply for the Ashraya Yojana which would increase their financial burden. The application process simply requires visiting the RGRHCL website, filling in the required details, and submitting the necessary documents online. 



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**Disclaimer: Interest rates and market conditions are subject to change. This information is accurate as of July 2025 and is meant for informational purposes only. Please consult with certified financial advisors for advice specific to your situation. Home loan approval is subject to the bank's terms and conditions.

Credit at sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.

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.