MHADA Starts Online Sale of 118 Flats in Mumbai on FCFS Basis

The Maharashtra Housing and Area Development Authority (MHADA) has officially opened the online sale of 118 affordable flats in Mumbai under a unique First Come, First Served (FCFS) scheme starting February 17, 2026. This initiative allows homebuyers to bypass the traditional lottery system and book ready-to-move homes in prime locations like Tardeo, Juhu, and Andheri directly through the “Book My Home” portal. Prices for these units range from an accessible 38 lakh to a premium 8 crore. Interested applicants must complete their registration and be prepared for the flat selection phase beginning March 4, 2026.

Latest Update

• The online registration for 118 unsold flats in Mumbai officially commenced at 11 AM on February 17 through the MHADA housing portal. This scheme targets the clearance of existing inventory that remained unsold in previous lottery cycles across various income groups.
• MHADA has implemented a strict 48-hour payment window where successful applicants must deposit 10 per cent of the flat’s total cost to secure their booking. Failure to meet this deadline results in automatic cancellation of the flat selection and forfeiture of the initial security deposit.
• A larger lottery featuring nearly 5,000 additional affordable homes in Mumbai is expected to launch within the next few months. Approximately half of these upcoming units will be located in the Goregaon area, catering to EWS, LIG, and MIG categories.

How does the MHADA First Come First Served scheme work?

The MHADA First Come First Served (FCFS) scheme is a direct booking mechanism designed to sell residential units that remained unsold during previous computerised lotteries. Unlike the standard lottery, where winners are chosen via a random draw, the FCFS model operates like an e-commerce platform. Applicants who register first and complete the payment formalities for a specific unit are granted the allotment, provided they meet all eligibility and documentation requirements.

To participate, users must visit the official “Book My Home” portal and create a digital profile using their Aadhaar and PAN details. Once the booking window opens, the system displays a real-time dashboard showing available flats by building, wing, and floor. The transparency of this system ensures that buyers can see exactly what is available and secure a home instantly without the uncertainty of a lucky draw.

Key Operational Dates

What are the prices and locations for the 118 MHADA flats?

The 118 flats offered in this FCFS round are scattered across diverse neighbourhoods in Mumbai, ranging from high-end South Mumbai localities to developing suburban pockets. The pricing structure is equally varied, with the most affordable unit priced at 38 lakh and the most expensive luxury apartment in Tardeo exceeding 8 crore. This wide price bracket ensures that the scheme caters to everyone from first-time home seekers to high-income investors.

The locations included in this sale cover a significant portion of the city’s geography. In the Western Suburbs, flats are available in Kandivali, Malad, Juhu, and Andheri. The Central and Eastern pockets feature units in Sion, Ghatkopar, Vikhroli, and Powai. Meanwhile, South Mumbai and Central Mumbai options include Tardeo, Byculla, and Lower Parel. These units are a mix of MHADA-constructed buildings and those acquired through redevelopment projects under various Development Control Regulations.

Distribution of Flats by Locality

What Are the Eligibility Criteria for Applicants?

Applicants must be at least 18 years old, Indian citizens, and possess a valid Maharashtra Domicile Certificate issued after January 2018 with a barcode. Proper identification documents are mandatory based on marital status.

Basic Eligibility Requirements

• Minimum age 18 years
• Indian citizenship
• Maharashtra Domicile Certificate with barcode
• Valid Aadhaar and PAN

Additional Document Requirements

• Married applicants must submit their spouse’s documents
• Divorced applicants must provide a certified court judgment
• Loan applicants must upload pre sanction letter

MHADA has made documentation stricter to ensure transparency and prevent misuse. Without proper documents, the flat allotment process will not proceed.

Applicants planning to finance their purchase through a bank must upload a pre-sanctioned loan letter. After verification, MHADA issues a No Objection Certificate in the bank’s name.

Which documents are mandatory for the MHADA online application?

The MHADA application process has moved to an entirely digital E-Governance model to prevent fraud and ensure transparency. The most important document is the Aadhaar Card, which must be linked to an active mobile number for OTP based e-KYC. The PAN Card is equally vital as it is used to cross-reference the applicant’s income details with the tax database.

For married applicants, the Aadhaar and PAN cards of the spouse are mandatory. In the case of divorced individuals, a certified copy of the court judgment must be uploaded. Possession of the flat will not be granted without the submission of the final decree. Additionally, applicants seeking a home loan must upload a pre-sanctioned letter from their financial institution to obtain the necessary No Objection Certificate (NOC) from MHADA.

Mandatory Document Checklist

1. Aadhaar Card: Linked to mobile number for e-KYC.
2. PAN Card: For income and tax verification.
3. Domicile Certificate: Issued after January 2018 with a barcode.
4. Income Proof: ITR for FY 2024–25 or Tahsildar-certified certificate.
5. Marriage/Divorce Proof: Relevant legal certificates as per marital status.
6. Cancelled Cheque: For potential refunds of the security deposit.

How can homebuyers apply for a flat on the “Book My Home” portal?

The application process starts with a simple registration on the website https://bookmyhome.mhada.gov.in. Users need to create a profile by filling in personal details and uploading the digital copies of their mandatory documents. It is highly recommended to perform “Self Verification” on the portal to ensure that names and details match across all uploaded IDs, as spelling errors can lead to automatic profile blocking.

Once the booking phase begins on March 4, 2026, registered users must pay a security deposit and application fee to unlock the interactive dashboard. This dashboard functions like a live map where you can select a specific flat in a specific building. After selecting a unit, the system generates a demand for 10 per cent of the cost. Once this is paid within 48 hours, a provisional offer letter is issued, and the buyer has 90 days to settle the remaining balance.

What Is the Payment Structure and Timeline?

After selecting a flat, applicants must pay 10 per cent of the sale price within 48 hours. The remaining payments,t including stamp duty, must be completed before allotment and possession letters are issued.

Failure to complete payment within the timeline can lead to cancellation. Therefore, buyers must arrange funds in advance.

Payment Flow

1. Application fee and deposit
2. Flat selection
3. 10 per cent initial payment
4. Upload loan documents if applicable
5. Full payment and stamp duty
6. Allotment letter
7. Possession letter

This strict structure ensures only committed buyers proceed.

Key Takeaways

• Total Units: 118 ready-to-move flats available across Mumbai.
• Sale Format: First Come, First Served (No lottery draw).
• Pricing: Starting from 38 lakh up to 8 crore.
• Portal: Official bookings via bookmyhome.mhada.gov.in.
• Registration: Started February 17, 2026, at 11 AM.
• Booking Start: March 4, 2026.
• Critical Rule: 10% payment must be made within 48 hours of flat selection.

Conclusion

The 2026 MHADA First Come, First Served scheme represents a significant shift in how affordable housing is distributed in Mumbai. By offering 118 ready-to-move units through a transparent digital portal, MHADA has provided a golden opportunity for serious buyers to skip the uncertainty of the lottery. With options ranging from budget-friendly suburban flats to multi-crore South Mumbai residences, the scheme addresses a wide spectrum of the housing market. However, the success of an application hinges on speed and document accuracy. Prospective buyers must ensure their digital profiles are verified, and their finances are ready for the 48-hour payment window. As Mumbai continues to face a housing crunch, such direct sale initiatives are a welcome move toward efficient inventory management and urban homeownership.