The Tamil Nadu Housing Board (TNHB) is a state government agency that constructs affordable housing for people throughout Tamil Nadu. It addresses various income groups, such as Economically Weaker Sections (EWS), Low Income Group (LIG), Middle Income Group (MIG), and above.
At Grihum Housing Finance, we assist TNHB applicants with securing viable home loans, facilitating the process and providing competitive home loan interest rates to make housing more affordable. This article outlines the TNHB application form, eligibility, allotment procedure, schemes, documents needed, and how our financing options can assist your TNHB homeownership process.
What Is TNHB?
The Tamil Nadu Housing Board was created through state law to plan, develop, and distribute residential and sometimes commercial properties. TNHB seeks to fill housing gaps for lower- and middle-income inhabitants through planned townships, flats, plots, and residential colonies.
TNHB oversees the allotment of houses and plots through orderly schemes, subject to precise rules and manuals that address eligibility, reservations, and allotment processes.
Types of Schemes and Modes of Purchase
TNHB does not classify all projects in separate names but provides residential allotments under its scheme and marketed housing projects. Main points are:
- Hire Purchase: The buyer pays approximately 40% of the price as an initial payment and the remaining in EMIs over a period of 5–14 years.
- Self-Finance: Payment in installments during construction before possession.
- Outright Purchase: The price is paid in full, typically within 30 days from allotment.
Reservations and quotas are implemented according to the TNHB Allotment Manual, such as Government Discretionary Quotas and scheduled classes. Commercial sites or plots are distributed through tenders or auctions, not lotteries.
Certain TNHB projects can be in line with central housing schemes such as PMAY (Pradhan Mantri Awas Yojana), but not all TNHB units are covered under PMAY
Eligibility Criteria
The applicant shall fulfill TNHB eligibility criteria:
- Be a permanent resident of Tamil Nadu.
- At least 21 years old./li>
- Shall not already possess a housing unit under TNHB or any state government scheme.
Income Categories (monthly):
- EWS: ₹12,000 and below
- LIG: ₹12,001 to ₹18,000
- MIG: ₹18,001 to ₹37,000
- HIG: ₹37,001 to ₹62,000
- Super HIG: ₹62,000 and above
Also Read: Top Government Housing Schemes in India for First-Time Home Buyers (2025)
Advantages of TNHB Schemes
Buying a TNHB home has many advantages:
- Low-cost housing at cost-plus or subsidized rates.
- Clear allocation through lotteries with reservation percentages.
- Flexible payment plans: hire purchase, self-funding, or cash.
- Planned infrastructure and controlled construction.
Qualification to obtain home loans for payment balances from Grihum Housing Finance at competitive home loan rates.
Application Process
Online Application:
- Apply for available TNHB flats/projects through the official TNHB websites
- Fill out the TNHB application form, upload supporting documents, and pay the application fee.
Offline Application:
- TNHB advertisements encourage candidates to obtain forms from offices or city departments.
- Manually fill out the TNHB application form, affix documents, pay the fee, and submit within deadlines.
- Candidates should cross-check scheme-specific information to avoid delays.
Documents Required
Routine documents are:
- Identity proof (Aadhaar, PAN, Voter ID)
- Address proof (ration card, electricity or water bill)
- Income certificate
- Passport-size photos
- Nativity/state residence proof
- Declaration or non-possession certificate
- Proof of employment, if applicable (e.g., government or PSU employment)
Allotment Procedure & TNHB Allotment List
- Verification: TNHB checks applications and documents for completeness.
- Lottery/Draw of Lots: Domestic allotments are usually completed through a lottery of qualified applicants, honouring quotas.
- Publication of TNHB Allotment List: Beneficiaries are published through official media.
- Issuance of Allotment Letters: Successful applicants remit payments according to the selected purchase mode.
- Post-allotment terms: Sale or transfer can be prohibited during a lock-in period.
At Grihum, we assist applicants in interpreting their allotment details and synchronising home loan disbursements with TNHB payment schedules.
Key Considerations Before Applying
- Review scheme-specific eligibility and quotas.
- Ensure all documents are authentic and current.
- Apply before deadlines
- Monitor Tamil Nadu Housing Board allotment details regularly.
- Choose the appropriate income category and payment mode.
Home Loans & Financing
TNHB does not give direct loans. Home loans can be obtained under hire purchase, self-finance, or outright modes to purchase TNHB houses through Grihum Housing Finance by applicants.
Home loan interest rates are determined by credit, property, and market considerations. At Grihum, we assist applicants in selecting an appropriate home loan, dealing with documentation, and facilitating effortless disbursement in accordance with TNHB timelines.
Also Read: Understanding Co-Applicants in Home Loans: Meaning, Eligibility, Tax Benefits & Responsibilities
Conclusion
Tamil Nadu Housing Board (TNHB) provides systematic, low-cost housing options for the residents of Tamil Nadu. Familiarizing oneself with TNHB application forms, allotment list, eligibility, and payment options is necessary for an efficient home purchase process.
We at Grihum Housing Finance support TNHB applicants step by step — from application assistance to competitive Home loan solutions. Begin your TNHB housing experience today, and we will help you fulfill your dream of owning a home in Tamil Nadu.
FAQs
1. What is the Tamil Nadu Housing Board (TNHB) scheme?The Tamil Nadu Housing Board (TNHB) scheme is a state government initiative that develops and allot affordable housing units and plots across Tamil Nadu for different income groups — from Economically Weaker Sections (EWS) to Higher Income Groups (HIG).
2. Who is eligible to apply for TNHB housing schemes?Applicants must be permanent residents of Tamil Nadu, at least 21 years old, and should not already own or have been allotted any property under TNHB or other state housing schemes.
3. What types of properties are offered under TNHB schemes?TNHB offers residential flats, houses, and plots through various projects. Some schemes also include commercial plots and shops through auctions or tenders.
4. How can I apply for a TNHB housing scheme?Applications can be submitted online via the official TNHB portal or offline through TNHB offices when schemes are advertised. Applicants must fill out the TNHB application form, attach required documents, and pay the prescribed fee.
5. What documents are required to apply for TNHB properties?Commonly required documents include:
- Aadhaar, PAN, or Voter ID
- Address proof (ration card, electricity or water bill)
- Income certificate
- Nativity certificate
- Passport-sized photographs
- Declaration of not owning another government-allotted property
Yes. Applicants can avail home loans from banks or housing finance companies such as Grihum Housing Finance to pay the balance amount under hire purchase, self-finance, or outright purchase modes.
7. How are properties allotted under TNHB schemes?TNHB allots properties through a transparent process. Eligible applications are verified, followed by a lottery or draw of lots, and the Tamil Nadu Housing Board allotment list is published officially for beneficiaries.
