UP Awas Vikas Housing Scheme 2025 | UP Housing and Development Board

Introduction
Having a place that you can call yours and owning your own home is one of the biggest acheivements for any family but in today’s real estate market, it often feels just out of reach. That’s exactly where the UP Awas Vikas Housing Scheme 2025 comes into the picture. Rolled out by the Uttar Pradesh Housing and Development Board (UPAVP), this isn’t just another policy on paper it’s a real effort to help people who’ve been priced out of the housing market for far too long. Whether you’re part of a middle-income family trying to get out of the rent cycle, or someone from a modest background hoping to own a small flat, this scheme is meant to bridge that gap. It’s not perfect, but for many, it’s turning the idea of owning a home from a distant dream into a genuine possibility.And this year’s edition is being seen as one of the most ambitious and structured versions yet.

This is a state-run housing scheme that offers residential flats and plots in well-planned colonies and townships at subsidized rates. The target audience under this scheme mostly includes salaried individuals, small business owners, retired professionals, and people struggling to find decent housing through private developers.

The UP Housing Board has launched new projects under the 2025 scheme,and reopened allotments in existing ones across cities such as:

• Lucknow (Vrindavan Yojana, Avadh Vihar, Rajajipuram Extension)
   
• Ghaziabad (Modinagar and Madhuban Bapudham)
   
• Meerut (Ganga Nagar)
   
• Varanasi (Kashi Vihar)
   
• Kanpur (Shatabdi Nagar)
   
• Bareilly, Gorakhpur, Jhansi, and others.
   

Types of Units Offered

Depending on your income group and family size, the scheme offers various unit categories:

• EWS (Economically Weaker Section) – 1BHK units or single-room flats (approx. 25–30 sq. m.)
   
• LIG (Lower Income Group) – 1 or 2BHK flats with a small balcony (approx. 40–60 sq. m.)
   
• MIG (Middle Income Group) – 2BHK or compact 3BHK units (approx. 65–85 sq. m.)
   
• HIG (Higher Income Group) – Larger 3BHK flats or independent plots (85+ sq. m.)
   

What’s notable is that many of these homes are already constructed or in advanced stages, making them ready-to-move-in or available for possession within 6–12 months—a major relief compared to long-delayed private projects.

Affordable, Yes but Also Financed

One reason the scheme is working is the access to easy home loans. Several applicants mentioned that banks like PNB Housing, SBI, and Bank of Baroda have tied up with the board for fast-track processing.

Many first-time buyers are also eligible for CLSS (Credit Linked Subsidy Scheme) benefits under Pradhan Mantri Awas Yojana (Urban). This can reduce interest burden on home loans by a significant amount, sometimes saving up to ₹2.5 lakh over the loan term.

A Look at Public Response

There has been an observation that the response to the 20225 scheme has been mostly positive but with a few caveats. This has been observed from casual conversations and online forums.Let’s see what people experienced-

For example, one applicant from Ghaziabad shared how applying online this year was far more transparent than before. Application tracking, payment receipts, and even draw results were published online without needing multiple office visits.

Some applicants have raised and voiced concerns in less developed areas like developed areas like Bahraich or Lakhimpur, some applicants voiced concerns about lack of schools, shops, and hospitals nearby.There is a lack of essential infrastructure in these areas for end users due to which  While prices are lower in these zones, the lack of essential infrastructure is still a hurdle for end-users.

A few things that stand out in this year’s rollout:

• Digital Draw System: Allotments are now done through a randomized digital draw, reducing chances of manipulation or favoritism.
   
• More Women Applicants: The scheme offers priority to single women, widows, and women applicants, which has led to a visible increase in women-led homeownership.
   
• Integrated Townships: Some new colonies come with pre-approved space for schools, community halls, parks, and local markets.
   

In places like Avadh Vihar Yojana in Lucknow, the layout now includes green zones, jogging tracks, and community gardens, giving the colonies a modern feel without the luxury pricing.