Deen Dayal Jan Awas Yojana (DDJAY) in Haryana: A Game-Changer for Affordable Housing

If you’re looking to invest in real estate in Haryana or searching for affordable housing options, Deen Dayal Jan Awas Yojana (DDJAY) is something you should know about. This government initiative has transformed the way people buy and own property in Haryana, making homeownership easier for the common man. In this blog, we’ll break down everything you need to know about DDJAY—its purpose, benefits, eligibility, and why it’s a great opportunity for homebuyers and investors.

What is Deen Dayal Jan Awas Yojana (DDJAY)?

DDJAY is an affordable housing scheme launched by the Haryana Government in 2016. It aims to encourage the development of planned colonies in low and medium-potential towns of the state, offering budget-friendly housing options to middle-income groups. The scheme allows private developers to create plotted developments with essential infrastructure, ensuring a better quality of life for residents.

Key Features of DDJAY

1. Affordable Plotted Development: Under this scheme, residential plots ranging from 60 sq. yards to 150 sq. yards are available, making it easier for people to build their dream homes at a reasonable cost.
2. High-Density Development: Developers are allowed to create up to 400 plots per project, ensuring ample housing availability.
3. Stilt + 4 Floors Allowed: Homeowners can build up to four floors with an independent registry, making it ideal for rental income or multi-family living.
4. Government-Regulated: The scheme is approved under RERA (Real Estate Regulatory Authority), ensuring transparency and security for buyers.
5. Easier Financing: Many banks and financial institutions offer home loans for properties under DDJAY.
6. Infrastructure Development: These colonies come with proper roads, sewage systems, electricity, and water supply, ensuring a comfortable living experience.

Specifications of Deen Dayal Jan Awas Yojana (DDJAY)

• A project could be developed on an area ranging from 5 to 15 acres.
• Only up to 30% of a city’s total planned residential area would be offered for project developments under this category. The maximum plot area under this scheme has been determined at 150 square meters (sq. m.).
• The area under roads cannot exceed 10% of the total licensed area. The developer is also required to transfer 10% of the licensed colony area to the government free of cost for community facilities.
• Developers could register independent floors on plots, along with stilt parking. Up to 50% of the area can be allotted, while the remaining 50% remains with the government, though developers can continue development work on it. 15% of the area must be mortgaged for internal development works.
• Developers have the option to deposit the cost of internal development works with the municipality at mutually decided rates. Alternatively, they may mortgage residential plots covering at least 15% of the total saleable area as security.
• The license fee has been set at Rs 10,000 per acre for low-potential towns and Rs 1 lakh per acre for medium-potential towns.
• Conversion charges and infrastructure development charges (IDC) have been waived, while external development charges (EDC) and license fees have been significantly reduced. Developers may either mortgage 15% of the saleable area or provide a bank guarantee of the same value for internal development works.
• Applications under this policy must be submitted within 90 days from the scheme’s notification date. If applications exceed the permitted area, all eligible applicants will be considered for a minimum of five acres. If fewer applications are received, each applicant will be considered within the defined area norms. The Director-General, Town and Country Planning can increase the total permitted area by up to 40%.

Eligibility & Who Can Benefit from DDJAY?

• Any Indian citizen can buy a plot under this scheme.
• It is ideal for first-time homebuyers, middle-class families, and small investors.
• Real estate developers with land holdings in approved zones can apply to develop DDJAY projects.
• NRIs (Non-Resident Indians) can also invest in DDJAY projects.

Locations Where DDJAY is Active in Haryana

DDJAY projects are mainly focused in low and medium-potential towns of Haryana, including:

• Gurugram (Sohna & Pataudi)
• Faridabad
• Palwal
• Sonipat
• Panipat
• Jhajjar
• Karnal
• Hisar
• Kurukshetra

These locations are witnessing rapid development and are expected to see high appreciation in property values in the coming years.

Why Should You Invest in DDJAY?

1. Budget-Friendly Investment: The prices of plots under DDJAY are significantly lower than in major urban areas, making it a great opportunity for small investors.
2. High Appreciation Potential: As these locations develop, the land prices are expected to rise, offering good returns on investment.
3. Independent Homeownership: Unlike apartments, you own a piece of land and can build your home as per your needs.
4. Rental Income Potential: Since stilt + 4 floors are allowed, you can rent out separate floors for additional income.
5. Legal Security: Since the projects are RERA-approved, there is less risk of fraud or project delays.

Things to Keep in Mind:

• Eligibility criteria: Make sure you meet the eligibility requirements before applying for a DDJAY plot.
• Due diligence: Even though the scheme is government-backed, it’s crucial to conduct your due diligence. Verify the developer’s credentials, check the project approvals, and understand the payment plan thoroughly.
• RERA registration: Ensure that the project is registered with the Haryana Real Estate Regulatory Authority (H-RERA). This adds an extra layer of security and transparency.
• Location: Consider the colony’s location and its proximity to your workplace, schools, and other essential amenities.

Documents Required for Deen Dayal Jan Awas Yojana

• Aadhar Card
• Bonafide Certificate
• A certificate that shows an absence of permanent address
• Ration Card
• Address Proof
• Income Certificate
• Age Certificate
• Mobile Number
• Bank Account Statement
• Passport Size Photograph

Deen Dayal Jan Awas Yojana (DDJAY) is a golden opportunity for those looking to buy affordable yet well-planned housing in Haryana. Whether you’re a first-time buyer, an investor, or someone looking for a budget-friendly property, DDJAY offers a promising future. With its government backing, strong infrastructure, and high appreciation potential, it’s one of the best real estate investments you can make in Haryana today.

Are you thinking about investing in a DDJAY project? Do your research, check for RERA approval, and go for it before prices shoot up!

At LandlordAgent, we specialize in helping you find the best DDJAY projects in Palwal. Whether you’re looking for investment opportunities or planning to build your dream home, our team ensures a smooth and hassle-free property-buying experience. Get in touch with us today and let us guide you towards the right property!