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Low Income Group (LIG)

Finding an affordable home in today’s real estate market can be a challenge, especially for low-income households. That’s where LIG flats and government-backed affordable housing schemes come in. Designed to help families with annual incomes between ₹3–6 lakh, LIG flats are part of broader initiatives like PMAY and state-specific programs.

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LIG Flats Up for Taking: Learn About Affordable Housing Schemes in India

Money Matters. Affordability of Housing is a concern, whether you are a buyer or builder, especially given how property rates have been skyrocketing across Indian cities. Thankfully, Governments across the states of India have introduced affordable housing schemes that cater to various income groups. If you are buying a home,e you want to buy a home that falls within your pricing expectations. If you’re a builder, you need to have a clear-cut idea regarding the section of buyers that you are going to target. In India, buyer segmentation is designated using acronyms such as LIG, MIG, and HIG. Let’s take a closer look at what LIG means.

What are LIG flats?

LIG is an acronym for Low Income Group. The basis of this categorisation can be traced back to the Pradhan Mantri Awas Yojana(PMAY). A LIG flat is any flat that caters to the needs and desires of the Lower Income Group(Light Income Group).

A LIG household earns ₹3–6 lakh every year. Many state Governments give special loans and subsidies for purchasing or buying homes that come within this category.

Specifications of LIG Flats

LIG flats are usually 1BHK(1 Bedroom-Hall-Kitchen) configuration with 1 bathroom-cum-toilet.

The homes come with a small balcony and 1–2 large windows to facilitate ventilation. The carpet area of LIG flats cannot exceed 645 square feet(60 sq mt).

Most LIG flats also have amenities like electricity, gas, and water supply. The LIG flats are usually located in well-connected parts of the city, so you don’t have to worry about transportation as well.

Here is a chart showing the LIG flat’s usual room sizes.

Room Size
Bedroom 100 sq ft.
Kitchen 50 sq ft.
Balcony 45–50  sq ft.
Total carpet area 645 sq ft.(max)

Government schemes for providing LIG flats

If you are looking for ways to buy affordable houses in Indiana,ia you can try out some of these Government schemes which focus on LIG housing–

1. PMAY LIG Scheme

Pradhan Mantri Awas Yojana(PMAY) is the Central Government’s affordable housing scheme. The scheme aims to build 2 crore affordable apartments in India by March 2024.

With separate Urban and Rural Components, this scheme converges with other  Government infrastructure schemes targeting electricity connection, LPG connection, drinking water, and microfinance.

PMAY has houses which target Middle Income Groups(MIGs) and Economically Weaker Sections(EWS) of society as well.

LIG PMAY flats come via the Credit Linked Subsidy Scheme(CLSS) with a subsidy rate of 6.5%

2. MHADA Lottery Scheme

Maharashtra Housing and Area Development Authority offers affordable houses in the cities of Maharashtra through a lottery system.

The scheme targets all the different income groups–

  1. Low Income Group(LIG)
  2. Middle IncomeGroups(MIG)
  3. High Income Group(HIG) and
  4. Economically Weaker Section(EWS)

3. DDA LIG Flats SchemeThe

Delhi Development Authority(DDA)’s housing scheme builds affordable houses that target the LIG category.

The scheme caters to the underprivileged sections of society, like the Scheduled Castes and Tribes(SCs and STs) and Other Backward Castes(OBCs).

This scheme stands out from the rest because the houses that are offered come with modern amenities like gyms, children’s play area, lift, power backup, laundry service, and reserved parking.

4. West Bengal Housing Board Scheme

West Bengal Housing Board’s affordable housing scheme, the Nijashree Housing Scheme, delivers 1BHK flats with a minimum build-up area of 377 sq ft and LIG 2BHK flats with a build-up area of 538 sq ft.

To be eligible for this scheme, the family’s monthly income should not exceed ₹15,000 per month(LIG category) and ₹30,000 per month to be eligible for the MIG(Middle Income Group) category.

Also, the land on which the house stands will be given to the beneficiary as a subsidy, so the cost of the land will not be factored into the unit cost.

5. Rajiv Awas Yojana

The Rajiv Awas Yojana(RAY) scheme was launched by the UPA Government to create a slum-free India. In 2015, the Government launched the Housing For All by 2024 scheme, following which the Rajiv Awas Yojana was subsumed.

Through the RAY, the Government had handed over thousands of 300 sq ft houses to underprivileged LIG beneficiaries.

6. Tamil Nadu Housing Board Scheme

The Tamil Nadu Housing Board(TNHB)’s Affordable housing scheme is available for people who are looking for LIG flats in Tamil Nadu. You can apply for the scheme here.

7. CIDCO Affordable Housing Scheme

Maharashtra’s CIDCO(City and Industrial Development Corporation) has an affordable housing lottery which targets LIG households and EWS households as well.

How Can NoBroker Help

If you are having trouble finding or applying for affordable housing schemes in your city, reach out to NoBroker’s Team of Real Estate Experts.

The Team will be able to answer all your questions regarding LIG housing and help you find the right house that fits your needs.

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Suraj Mudaliar

Written By

Suraj Mudaliar

Vice President - Home Loans

Last Updated: Oct 16, 2026

Education - BTech (IIT Guwahati), IIM Bangalore

With 7 years of hands-on experience structuring home loans across both public and private lending institutions, Suraj Mudaliar brings sharp, practical expertise to every borrower's journey. He specializes in loan eligibility assessment, balance transfers, and EMI optimization - helping customers not just get a loan, but get the right loan for their financial situation.

Top questions asked

LIG housing schemes prescribe an income restriction. The eligible income range is ₹3–6 Lakhs.
Under the Pradhan Mantri Awas Yojana(PMAY) Scheme, LIG stands for Light Income Group. People in the LIG group typically have yearly family incomes ranging from Rs. 3 lakh to Rs. 6 lakh. Again, in order to be considered, people must offer appropriate documentation of their financial situation.
LIG stands for low-income group and MIG stands for Medium Income Group. These are categorisations usually used in relation to affordable housing schemes in India. LIG households are ones whose annual income was between ₹3–6 lakhs MIG households have an annual income between ₹6–18 lakhs.
PMAY(Pradhan Mantri Awas Yojana) categorises the ₹6–18 lakhs annual income band Middle Income Group into two categories. MIG-I households–are those with an annual income between Rs.6,00,001 (Rupees Six Lakh One) and Rs.12,00,000 (Rupees Twelve Lakhs) (Rupees Twelve Lakh). Middle Income Group (MIG) - II Households–have an annual income between Rs.12,00,001 (Rupees Twelve Lakh One) and Rs.18,00,000 (Rupees Eighteen Lakh One) (Rupees Eighteen Lakh).
If you are eligible for LIG, then PMAY grants you an interest subsidy of 6.40%.

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