How to apply for a BDA flat in Bengaluru?

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BDA Flats in Nandini Layout (1 BHK EWS Quarters). Pic: Ganga Madappa

Namma Bengaluru, with its burgeoning population, is witnessing a sea change in the kind of housing that is available for its citizens. Even in as recently as 2005, those looking to invest or set up base in Bangalore, preferred to buy a site and build their house from scratch. The reality now is different. While people will probably always prefer to own an independent house, the lack of space has made it necessary for them to look upwards.

The Bangalore Development Authority (BDA) in 2012, in line with the real estate trend, and declared that ‘vertical’ was the way forward. With this announcement, it began the construction of 30000 affordable housing units, making the flats available for the taking by the public.

How many projects have been commissioned until 2014?

The BDA has so far constructed or undertaken the construction of about 6000 units in places across the city, including Valagerahalli, Gunjur, Thippasandra, Nandini Layout, Halagevaderahalli, Malagala, Doddabanahalli, Alur and Kothanur. 650 flats in Nandini layout (EWS quarters) have already been occupied.

In some locations such as Valagerahalli Phase 3, Gidadakonenahalli and Sonnenahalli, projects have been put on hold due to litigations. Once they get clearance from the court, work on these projects will proceed. So far, no project has been cancelled, even as the BDA is pursuing the court cases.

In the 4th notification dated February 28th 2014, the BDA once again called for applications for 4228 flats in the following locations:

Name of project

1 BHK (EWS)

1 BHK (General)

2 BHK

3 BHK

Malagala

88

88

Valagerahalli

48

48

48

Alur

600

600

Doddabanahalli

56

56

576

64

Kaniminike

304

304

384

320

Thippasandra

84

84

Gunjur

238

238

Total

1418

1418

1008

384

 

How many flats have been allotted so far?

As of March 2014, four notifications have been made, calling for citizens of Bangalore to send in their application if they are interested in purchasing a BDA flat. Of these, the BDA has allotted close to 3850 flats so far. The state budget presented in February 2014, promised that 8000 flats would be built by BDA this year.

How much do the flats cost?

Type

Carpet Area

(in sq ft)

Built-up Area

(in sq ft)

Initial Deposit

(in lakhs)

Price including deposit

(in lakhs)

BESCOM and BWSSB Deposit

(in lakhs)

Total

(in lakhs)

1BHK (EWS)

328

470

0.3 to 1.2

5.7 to 9.75

0.4

6.1 to 10.15

1 BHK (General)

328

470

0.55 to 1.6

10.0 to 13.0

0.4

10.4 to 13.4

2 BHK

600

830

1.0 to 3.12

20.0 to 25.0

1.8

21.8 to 26.8

3 BHK

900

1100

1.5 to 4.4

30.0 to 35.0

2.6

32.6 to 37.6

 

The BDA has signed a Memorandum of Understanding with the following banks in case applicants wish to apply for a loan to pay for the flats.

People can apply for a regular home loan with any of these banks; 75-80% of the loan will be covered by the banks, while the rest needs to be invested by the buyer.

What are the eligibility criteria?

  1. Income limit: For those applicants applying under the Economically Weaker Section (EWS) category (1 BHK only), the income limit of the applicant’s family should be Rs 3.5 lakh per annum. There is no income limit for those applying under the general category.

  2. Anyone who has completed 21 years of age is eligible to apply.

  3. Applicant needs to be a resident of Karnataka for not less than 10 years prior to date of registration.The domicile requirement is relaxed in the following cases:

    • In case applicant is domiciled in Karnataka, but is in the armed forces of the Union and serving outside Karnataka

    • In case applicant is domiciled in Karnataka, but has gone outside the State (for employment or higher studies), and intends to reside in the Bangalore Metropolitan Area

    • In case applicant is an officer belonging to All India Service, and is allotted to the Karnataka State Cadre and domiciled in of Karnataka for not less than two years immediately prior to the date of registration

    • In case applicant is a serving soldier who is either serving in the state or outside Karnataka

  4. Applicants who or whose dependant family member, already owns any site, house or flat or has been allotted a site or house by the erstwhile CITB, the Bangalore Development Authority or a co-operative society registered under the Karnataka Co-operative Societies Act, 1959 (Karnataka Act 11 of 1959) or any such authority, within the Bangalore Metropolitan Area or has been allotted a site or house in any part in the State by any other Urban Development Authority or the Karnataka Housing Board or such other agency of the government, is not eligible for the allotment of housing unit.

  5. Applicants who have already been allotted a site/house at a subsidised rate in any part of Karnataka are not eligible for allotment of housing unit under this scheme.

What is the allotment procedure?

The housing units are allotted as per BDA Allotment Rules, which can be viewed on http://www.bdabangalore.org/allotmentgeneral.html.

During the first allotment, flats were allotted on a first-come-first-serve basis. For the second allotment, applicants were chosen by means of a lucky draw.

In the 4th notification, the BDA has announced that flat numbers will be allotted on a lottery basis.

Are there reservations in flat allotment?

Yes. 50% of the flats are meant for citizens who come under the General category, while the remaining 50% are for reserved categories. As per the BDA notification dated February 29th 2013, the reservation in Allotment (as per BDA Allotment of Site Rules 1984 Sub-Rule (11)) is as follows:

  • Backward Tribes (Category 1): 2%

  • Scheduled Tribe: 3%

  • Scheduled Caste: 13%

  • Members of the Armed Forces of the Union, Ex-servicemen and members of families of deceased servicemen: 10%

  • State Government Employees: 10%

  • Employees of the Central Government and Public Sector Undertakings and Statutory Bodies owned by the State Government or Central Government: 8%

  • Physically Handicapped: 2%

  • General Public: 50%

  • Persons who have outstanding achievements in the field of Arts,Science or Sports: 2%

Procedure, terms and conditions for application

  1. The registration and application form can be obtained from prescribed banks after paying the specified fees.

  2. The registration and applications form are priced at Rs 100 each for SC/ST category and at Rs 200 each for other categories.  

  3. Eligible applicants need to register their names by paying registration fees at any one of the prescribed banks. The registration slip should be retained by the applicant and upon allotment, must be returned to the BDA. Those applicants who have already registered for allotment (in any of the prior notifications), need not register again. The old registration card can be used to submit the present application.

  4. BDA officers will not issue any application forms.

  5. The filled application form along with initial deposit should be submitted in the same branch where the registration has been done. An acknowledgement can then be collected from the bank.

  6. The initial deposit needs to be in the form of a DD/Banker’s Cheque/Pay Order drawn in favour of the Commissioner, BDA.

  7. Applicants can apply for a flat in a single locality. If they wish to apply for a flat in more than one location, they need to fill out a separate application form for each location, and initial deposit applicable must be paid. Only one flat will be allotted to those who have applied for flats in more than one locality.

  8. The previous attempt of the applicants will be considered for seniority at the time of allotment of flats.

  9. The following applications will not be considered for allotment

    • Applications without the initial deposit

    • Applications without necessary documents

    • Unsigned and incomplete applications  

  1. No interest will be paid on the initial deposit. This amount will be adjusted towards the total cost of the flat in the case of successful applicants, and refunded without interest in case of unsuccessful applicants.

  2. If any of the information provided by the applicant is false or misleading, the allotment will stand cancelled and registration fee and deposit paid will be forfeited.

  3. Limited parking space is available for the flats; in some apartments, for only about 50% of the flats. This will be allotted among the allottees through auction after all the allotment is done.  

  4. The BDA reserves the right to reduce or increase the number of flats in case of unexpected developments.

  5. The last date to send in applications for the 4th notification is April 30th 2014.

Payment procedure

Once the allotment is made, allottees are required to make the payment as follows:

  1. 25% of the housing unit value of the flat within 60 days of receiving the allotment letter

  2. 25% of the housing unit value of the flat within 120 days of receiving the allotment letter

  3. Remaining value of the housing unit value of the flat along with BWSSB and BESCOM deposits within 180 days of receiving the allotment letter

Only after the payment of the entire value of the flat and verification of the documents submitted, will the ownership deed be handed over.

What is the quality compared to private flats?

Initially, many citizens had reservations about the quality of the flats, as they were being sold for almost half of what a private builder would quote. However, by late 2013, that perception changed. Citizens are now of the opinion that the flats are apt for middle class citizens, in terms of affordability — a similar sized flat constructed by a private builder, would cost almost double when compared to the rates set by the BDA.

Mr Gowdaiah N G, BDA Engineer Officer, says that there has been no compromise in the quality of materials used, considering that the entire scheme was bound to be scrutinised with a keen eye. While different builders have been chosen for different locations, all the material that is being used for construction, needed to meet the Indian Standard specifications and samples of the same should have been vetted by the BDA.

What are the conditions of BDA on resale?

While the BDA certainly hopes that allottees retain the flats and do not put it up for sale, as of now no conditions have been imposed with respect to the resale of flats. Once allottees are in possession of the absolute Sale Deed for the flats, they can choose to sell the flats if they wish to. Even for those who have been allotted a flat under the EWS category at a subsidised rate, no restrictions/conditions have been imposed.

What are the conditions of BDA regarding renting out flats?

As with the case of resale, the BDA says that allottees could choose to rent out the apartments once they are in possession of the Sale Deed.

Can allottees apply for an exchange of flats?

The BDA stated after first allotment that in case people wished to exchange the flats, a mutual exchange was possible, so long as the flats belonged to the same category; both parties would need to make a joint application.

In case allottees are dissatisfied with the flat they have been allotted or have not been assigned one as per their preferred location, they can choose to surrender the flat and the money paid so far will be refunded. Following this, the individuals can apply once again and seniority will be given to them at the time of the next flat allotment.

Who will register the owners association for the flats?

The flat owners will need to form their own owners association for maintenance of the flats – the BDA has listed this as one of the conditions at the time of allotting the flats. The BDA will facilitate the forming of the association.

The Karnataka Apartment Owners Association Act of 1972 will be applicable to the owners association.

Who will run the amenities and maintain the apartments? Who will collect the maintenance fees?

There is a defect liability period of two years for the flats and the common built up area. Defects, if any, will be rectified by the builder for up to two years. The apartment owners association is expected to handle the maintenance of the flats.

Useful links

List of allottees from 2nd and 3rd notification: http://www.bdabangalore.org/quicklinks.html

4th notification dated February 28th 2014: http://www.bdabangalore.org/BDA-NEWFLATS-2014.pdf

Registration and Application forms for the BDA Flats are available at the following banks (list as of February 28th 2014).

Canara Bank

Indian Overseas Bank

Corporation Bank

Basavanagudi

Bangalore City

Kumara Park West

BDA Complex*

Bannerghatta Road

Raja Rajeshwari Nagar

Hebbal

Chikkabidarakallu

Kengeri Satellite Town

Hanumanth Nagar

HSR Layout

Whitefield

Jayanagar Shopping Complex

Indiranagar

Banashankari 2nd Stage

K R Puram

Koramangala

Magadi Main Road

Marathahalli

Kanakpura Road

Yeshwanthpur

Rajajinagar 3rd Block

Kumara Park*

 

Vijayanagar

Mahalakshmipuram

 

Yelahanka Satellite Town

Malleswaram

 

 

Disclaimer: The information in this article is presented for educating citizens on BDA’s flat offerings and procedures of allottment in general. Please note that BDA may revise costs, eligibility criteria, participating bank branches, etc., with each new offering of flats.

This article has been prepared as per the 4th notification dated February 28th 2014. The information in this article is subject to change as per further notifications made by the BDA with respect to the allotment of flats. 

About Ganga Madappa 77 Articles
Ganga Madappa is a Staff Reporter and the Community Manager at Citizen Matters. She loves cats and books and travel. She tweets at @pulicatmonster and blogs at Random Rambling.

25 Comments

  1. @Venkat,

    1, Always loan from PSU Bank (Government) will be good rather than going to private bank, why because the interest rate will be lesser than pvt bank and former soon reflect RBI policy where as pvt bank take time to reflect RBI.

    2, SBI will be the best but they ask your Tax return acknowledgement of past 3 year, any way you try that first, their base rate is 9.7% (lowest interest in banking industry)

    3, I took loan from UCO Bank as their interest is “Base rate” now at 9.95% that is home loan interest too.

    4, You need to ask bank that what ever the interest rate they tell is base rate or interest link to base rate (for example HDFC tell interest rate is Y, that will base rate”X + N”, every bank has their own base rate, from base rate different loan type (personal loan) will differ as X+Number (my conclusion is if base rate is your home loan interest rate means it will be better, as RBI force bank to reduce their base rate but not the “N” that add on to base rate)

    5, Use bankbazaar dot com to find best interest giving bank, look for any procession fee concession

    6, Bank will give money how you ask, I mean schedule, you have to write a letter saying I want this much amount on this date so on. yes you can save interest on this,

    7, Start EMI from as first schedule initiate, they may offer you 6 month payment holiday where in you have to pay only interest not premium, don’t opt that since you end up paying extra with none of premium paid

    I preferred UCO bank as there is no much customer, so they are loan hungry, they treat you pleasantly (I got processing fee 4k wave off that time)

  2. Dear friends,

    Could any one share me the Housing loan details – which bank is best.
    I need to get around 20lakhs. as per BDA we should be payed 2 months and my 1st installment should be paid before Aug 2015.
    Bank will give in 1 shot or can we request them to give 4 installment to the BDA so that we can save interest and even i am interested to take 3 to 4 installment from Bank – please suggest as i am planning to go with SBI.

  3. Hi Pushpam,

    They are all eligible Applicants – based on the Documents provided and also they will all get allotment and they will give flats to them only.
    The other reason is they have only that many left flats and again BDA should give to 2nd notification applicants as well as still they were pending so remaining will not be getting right now.

  4. BDA recently published list of eligible candidates for 2bhk flats.Can can anyone help me on the following issues :
    1) Are eligible candidates same as alloted candidates or they are the ones with correct documents?

    2) for doddabanahalli, in 4th notification they advertised for 576 flats, but they have published a list of 159. Why?

  5. Dear all,
    The 4th notification was issues on 28th feb 2014 and even as may 2015 approaches end bda flat allotment for 2bhk is not done (just allotment not even possession). 4th notification cost is at par with private builders and we have deposited interest free lacs of rupees to bda.

    BDA people are not responding . We are kept in complete dark. Itstime we all must unite and raise our voice. We are from middle class and can keep our hard earned money with bda for years without interest. Either they should hand over the flats,or pay interest on the deposit or reduce the unreasonably high cost.

    They increased the rate in 4th notification enormously citing increase in land cost and raw material cost. but the fact is they have already acquired the land years back for a penny there hasnt been any significant rise in raw material cost. So they shouldn’t increase the cost. Keeping all that aside atleast they must declare the result and hand over the possession as its been more the yer.

    I tried contacting citizen matters’ team but all efforts gone in vain. May be some “Pressure” that they have stopped covering bda flat stories.

    So now its time for we citizens to fight for our rights ourselves.

  6. Dear All,

    BDA will be sending allotment letter with in 10 days for unsuccessful 2nd Notification Applicants which we had applied during 2012 for 2 and 3 BHK fltas

    Thanks and Regards,
    Venkatesh BT 9980344391

  7. Hello Folks,
    I would like to inform the allottees of EWS flats and other allottees with an annual income of less than Rs 2 Lakhs, that they are eligible to avail a highly subsidized housing loan upto an amount of Rs 5 Lakhs at an interest rate of 5% PA. This scheme is highly under-publicized since financial institutions are afraid that this section of population will not repay the loan. I urge the allottees to avail this scheme which is an initiative of the Ministry of Urban Development.

  8. Hi,
    Many of us have joined together on whatsapp, whoever wishes to join can send their details to 9901906270(group admin Mr. Murali).
    It will help us to be united and information can be exchanged immediately.

  9. list has been put up in the bda official site. You check over their only. By any chance anyone know how much they allotees need to pay for tippsandra flats?

  10. Thanabal

    Where were you madam? you made us wait for long, but once again stroked a six. Thanks. As you mentioned, as a eligible customer still am facing problem in finding information. I feel this time BDA has improved much in bringing in transparency. but has go miles as like DDA. hoping for the best of BDA.

    Alur Status:

    Plus:
    1, Construction are 90% completed, 2, 600 flats looks like a colony, 3, Nice ventilation, 4, Spacious corridor, steps, Road (one no need to avail parking slot), 5, Good Water source as many lakes around

    Minus: 1, 328 carpet area very very small, 2, 3km from Tumkur main Road, there is no need of flat system there as plenty of land vacant for individual housing project, 3, Improper approach road, no street light, very less bus service 4, Schools should be far away, 5, For basic daily needs you may bring it from Tumkur Road, 6, No loft in bedroom/kitchen/bathroom.

    Nut shell: Lack of city atmosphere. May be worth to invest for about 9L not 13L

  11. Thanks Varun..
    Hello all. I called BDA today to check the status and looks the lottery was happening till evening. They asked me to come down tommorow after 3.30pm to chk if flat is alloted. It seems that it will take some time for them to put up information of alloted list in BDA website..
    Please let us know if anyone has any update..

  12. In a quandary whether to pay the last instalment or wait to see how this case plays out. Comments invited from all allotees. What do you think about RTI activist BM Shivakumar’s case.

Comments are closed.