MHADA Flats Open Booking: Claim Your Flat in Prime Areas

The Maharashtra Housing and Area Development Authority (MHADA) has announced a new opportunity to own a home in Mumbai through a first-come, first-served (FCFS) scheme starting February 2026. This release features 120 apartments across prime locations like Tardeo, Juhu, and Powai, with prices ranging from ₹38 lakh to over ₹8 crore. Interested buyers can register on the official Book My Home portal starting February 5, with the actual flat selection and booking process beginning on February 12.

Latest Update

• MHADA has opened a unique window for homebuyers to skip the traditional lottery luck by offering 120 previously unsold units on an immediate booking basis. These homes are spread across Mumbai in both posh neighborhoods and developing suburban pockets to cater to various budget segments.

• The inventory includes high-value apartments in South Mumbai and affordable housing options in the Western and Eastern suburbs. This move is part of the authority’s effort to clear existing stock before launching a larger lottery of 5,000 homes later this year.

• Strict financial timelines are in place for this rollout to ensure only serious buyers participate in the digital booking process. Successful applicants must be prepared to pay a significant portion of the flat cost within two days of selection to confirm their allotment.

What are the key details of the MHADA FCFS 2026 scheme?

The MHADA First-Come-First-Served scheme is a direct sale initiative for 120 flats located in various sectors of Mumbai. Unlike the standard lottery system where winners are chosen by a computerized draw, this scheme allows the first person to click and lock a flat to secure it. The inventory consists of units that remained unsold in previous lotteries, now offered with updated pricing and an easy digital booking process.

This scheme is highly significant because it covers a vast geographical area. You can find homes in Kandivali, Charkop, and Malad in the North, or move toward the city center in areas like Byculla, Tardeo, and Lower Parel. The pricing strategy is equally diverse. While a budget seeker can find a home for ₹38 lakh, those looking for luxury can vie for a premium flat in Tardeo priced at ₹8 crore.

The authority has streamlined the process through the “Book My Home” portal. This ensures transparency and prevents the middleman culture often associated with real estate. Buyers get a clear view of the floor, flat number, and building wing before they commit any money. It is a digital-first approach designed to make Mumbai real estate accessible to the common citizen.

How does the MHADA registration and booking timeline work?

The application process for the 120 Mumbai flats begins on February 5, 2026, on the official MHADA website. Once registered, the window for selecting a specific flat and paying the initial fees opens on February 12, 2026. This phased approach allows applicants to get their documentation in order before the competitive booking period starts.

Following the registration, the most critical phase is the 48-hour payment window. Once you select a flat on the portal, you must pay 10 percent of the total sale price within 48 hours. If you miss this deadline, your claim is automatically cancelled, and you will lose your security deposit. This rule is designed to keep the queue moving and prevent people from “holding” flats without genuine intent.

Important Dates and Deadlines

What locations and price ranges are available in this lottery?

MHADA is offering flats in nearly every major zone of Mumbai, including high-demand areas like Juhu, Andheri, and Powai. The price points are categorized based on the income groups (EWS, LIG, MIG, and HIG), though these specific 120 units are leftovers from various categories. The most affordable units are found in areas like Mankhurd, while premium units are located in Tardeo and Lower Parel.

The variety of locations ensures that both office-goers in South Mumbai and suburban professionals can find something suitable. For instance, flats in Wadala and Antop Hill provide excellent connectivity to the island city, while Charkop and Shimpoli offer a more residential, family-friendly atmosphere.

Location and Pricing Comparison

What are the eligibility criteria and required documents?

To apply for an MHADA flat in 2026, an individual must be an Indian citizen and at least 18 years of age. There are no upper age limits, but the financial ability to secure a home loan or pay the amount upfront is essential. For this specific FCFS scheme, the emphasis is on the speed of application and the readiness of documents.

The documentation process is strictly digital. You will need a valid Aadhaar Card and PAN Card. If you are married, the documents for both spouses are mandatory. In cases of divorce, MHADA requires a certified copy of the court judgment. It is vital to note that possession will not be granted until the final decree is submitted.

• Aadhaar Card: Proof of identity and residence.
• PAN Card: Mandatory for all financial transactions and tax purposes.
• Marriage Certificate/Spouse Docs: Required for joint or married applicants.
• Income Proof: Necessary for verifying the income group category.
• Divorce Decree: Only for applicants who have legally separated.

What is the step-by-step process to book a flat online?

The booking process starts with registration on the “Book My Home” portal, where you create a user profile. Once the booking window opens on February 12, you must pay the initial security deposit to unlock the “Book My Home” feature. This section of the website acts like an e-commerce platform where you can seethe live availability of units.

After paying the security deposit, you will see a dashboard displaying building numbers, wings, and specific floors. If a flat is marked as available, you can select it immediately. Once the selection is locked, the system generates a demand for 10 percent of the flat cost. Paying this within the 48-hour window results in a temporary offer letter.

1. Visit the official portal at https://bookmyhome.mhada.gov.in.
2. Register your profile with Aadhaar and PAN details.
3. Pay the required security deposit and application fee.
4. Navigate to the “Book My Home” section on the launch date.
5. Select your preferred flat from the available real-time list.
6. Pay 10 percent of the total cost within 48 hours.
7. Download the temporary online offer letter.

What are the cancellation and refund policies?

MHADA maintains a very strict refund and cancellation policy for the FCFS scheme to maintain discipline. If you select a flat but fail to pay the 10 percent deposit within 48 hours, you lose your entire security deposit. This is a significant financial penalty, so buyers should only click “select” if they have the funds ready.

If you decide to cancel after receiving the temporary offer letter but before full payment, MHADA will deduct 1 percent of the total flat price as a processing fee. The remaining balance is refunded to the applicant without any interest. This ensures that the inventory is not blocked by indecisive buyers, allowing others a fair chance to purchase.

Can I get a home loan for these MHADA flats?

Yes, MHADA flats are eligible for housing loans from all major nationalized and private banks. To facilitate this, MHADA has integrated a digital NOC (No Objection Certificate) process. If you intend to take a loan, you must upload a pre-sanctioned letter from your bank onto the MHADA portal using your login credentials.

Once the pre-sanction letter is uploaded, the authority issues an NOC in the name of your specific bank. This document is essential for the bank to release the funds. The final allotment and possession letters are only handed over once the bank or the individual has cleared the full payment and the stamp duty charges are settled.

What should we expect from the upcoming 5,000 flat lottery?

While the current 120 flats are an immediate opportunity, MHADA has a much larger release planned for mid 2026. Approximately 5,000 affordable homes will be launched in the Mumbai market within the next few months. This upcoming lottery will follow the traditional draw system rather than the first-come, first-served model.

A significant portion of this upcoming stock—about 2,500 units—will be located in Goregaon. These homes will span all income categories, including EWS, LIG, MIG, and HIG. For those who miss out on the current 120 units or find the 48-hour payment window too tight, the larger lottery will provide a more traditional path to homeownership.

Key Takeaways for Homebuyers

• Speed is Key: The 120 flats are available on a first-come, first-served basis starting February 12.
• Diverse Pricing: Options range from ₹38 lakh to over ₹8 crore.
• Strict Deadlines: 10 percent of the flat cost must be paid within 48 hours of selection.
• Penalties: Failing to meet the 48-hour deadline results in the forfeiture of the security deposit.
• Documentation: Digital copies of Aadhaar and PAN are mandatory for registration.
• Future Scope: A larger lottery of 5,000 homes is expected in the coming months.

Conclusion

The 2026 MHADA update presents a rare “fast track” for Mumbai residents to secure a home without the uncertainty of a lottery draw. By offering 120 units on a first-come, first-served basis, the authority is rewarding those who are financially prepared and digitally savvy. With locations ranging from the bustling streets of Andheri to the quiet residential blocks of Charkop, there is a home for almost every budget.

However, the speed of this scheme comes with significant responsibility. The 48-hour payment window and the strict forfeiture rules for the security deposit mean that buyers must do their homework before February 12. If you are looking for a home in Mumbai, this FCFS window is the perfect opportunity to beat the crowd before the massive 5,000-unit lottery arrives later this year.