DDJAY Rules and Regulations

Understanding the DDJAY rules is essential for a smooth application and purchase process.

Plot Size and Specifications

The Haryana government has established clear parameters for plot development under DDJAY:

The maximum area of plots permitted is 150 square meters, with minimum and maximum density of 240 to 400 persons per acre. The maximum Floor Area Ratio on residential plots of up to 150 square meters is 2.00.

The maximum area allowed under residential and commercial plots is 65% of the licensed area, with area under commercial use limited to a maximum of 4% of licensed area. This ensures a balanced residential environment with adequate community spaces.

Project Development Norms

The DDJAY Affordable Housing scheme mandates colonies to be developed on land parcels ranging between 5 to 15 acres, and projects must be completed within seven years from the date of the license granted.

Private developers construct all housing units under DDJAY under the supervision of the State government, and it is mandatory for the developer to transfer 10 percent of the licensed area to the government for the development of community facilities.

Allotment Process

Unlike other affordable housing schemes where the draw of lots is conducted, allotment under the DDJAY scheme is done on a first-come-first-serve basis. This transparent system gives all eligible applicants a fair opportunity to secure plots based on their application timing.

Infrastructure Requirements

The minimum width of internal roads in the colony is 9 meters, and the minimum area under organized open space is 7.5% of the licensed area. At least one organized open space pocket in each colony must be of not less than 0.3 acre area.

DDJAY Plot Criteria and Features

Financial Benefits

Loan Availability: Individuals can obtain a loan amount of up to 75% and 90% of the property price for plots and flats, respectively. This substantial loan facility from nationalized and private banks makes DDJAY plots more accessible to eligible buyers.

PMAY Subsidy: First-time homebuyers are eligible for additional benefits under the Pradhan Mantri Awas Yojana. Interest subsidies of up to Rs 2.35 lakh are available under the credit-linked interest subsidy scheme.

No GST on Plots: There is no GST on plots under DDJAY, making them more affordable compared to other real estate investments.

Registration and Ownership

Under the DDJAY scheme, developers can register four independent floors on each plot with the provision of stilt parking and lift. Each floor can be registered separately, allowing for flexible ownership and financing options.

Location and Connectivity

DDJAY projects are spread across major cities and towns in Haryana, including Gurugram, Faridabad, Sonipat, Panipat, Jhajjar, Rewari, Palwal, Rohtak, and Hisar. These locations offer excellent connectivity to the National Capital Region and other major employment hubs.

How to Apply for DDJAY Plots

Understanding who can buy DDJAY plots is the first step, but knowing the application process is equally crucial:

1. Visit the official website of Deen Dayal Jan Awas Yojana, Haryana
2. Check for open projects registered under DDJAY in your preferred location
3. Download and fill the DDJAY application form with accurate details
4. Provide personal information, income proof, and plot preference
5. Submit required documents including identity proof, address proof, and income certificates
6. Pay the registration amount, which typically ranges from Rs 25,000 to Rs 50,000 depending on the project
7. The registration amount is fully refundable to non-allottees

Required Documents for DDJAY Application

To complete your DDJAY application successfully, prepare the following documents:

• Identity proof (Aadhaar card, PAN card, or passport)
• Address proof (utility bills, rental agreement, or Aadhaar)
• Income certificate or salary slips
• Bank statements
• Passport-size photographs
• Self-declaration stating non-ownership of any residential property in Haryana

Key Benefits of Investing in DDJAY Plots

For Homebuyers

Affordable Pricing: Government-backed pricing ensures plots remain within reach of common citizens. Reduced license fees and waived conversion charges keep costs competitive.

Legal Security: All DDJAY projects are RERA-approved, ensuring transparency, timely delivery, and legal compliance. Buyers receive freehold, loanable, and litigation-free plots.

Planned Infrastructure: DDJAY colonies come with essential amenities including roads, drainage systems, water supply, electricity, parks, and green belts. The ready-to-build environment saves time and additional costs.

Flexibility: Unlike apartment complexes, plotted development gives homebuyers the freedom to build homes according to their specific needs, budgets, and preferences.

For Investors

High Appreciation Potential: Plots in NCR-connected cities like Gurugram, Faridabad, and Jhajjar show rapid appreciation due to infrastructure development and connectivity improvements.

Low-Risk Investment: Government backing, transparent allotment process, and RERA registration minimize investment risks.

Rental Demand: Growing urbanization and employment opportunities in tier-2 and tier-3 cities create steady rental demand.

DDJAY vs Other Housing Schemes

DDJAY vs PMAY

While both schemes aim to provide affordable housing, there are key differences. PMAY is a nationwide scheme offering constructed homes and financial assistance, while DDJAY focuses specifically on plotted developments in Haryana. DDJAY provides more ownership flexibility and typically lower prices per square foot.

NRI Eligibility

Non-Resident Indians can purchase DDJAY plots under FEMA guidelines. However, they cannot avail PMAY subsidies, which are reserved for resident Indian citizens.

Common Questions About DDJAY Eligibility

Can I apply if I own agricultural land? Yes, owning agricultural land does not disqualify you from DDJAY plots eligibility. The restriction applies only to ownership of residential property or plots in urban areas.

Is there an upper age limit? No, there is no upper age limit. Any Indian citizen above 18 years meeting other eligibility criteria can apply.

Can joint applications be made? Yes, family members can jointly apply for DDJAY plots. This is particularly encouraged for women’s involvement in homeownership.

What happens if I’m not allotted a plot? The registration amount is fully refundable to applicants who are not successful in the allotment process.

Timeline and Project Completion

DDJAY projects typically follow this timeline:

• Registration and application: Ongoing during open application periods
• Allotment: Within specified timeframe after application closure
• Possession: Typically 1-2 years after booking, depending on project stage
• Full development completion: Up to 7 years as mandated by government regulations

Developers must complete internal infrastructure development before selling 50% of plots. The remaining 50% can only be sold after obtaining completion certificates from the Director of Town and Country Planning, Haryana.

Why Choose DDJAY Plots?

Deen Dayal Jan Awas Yojana represents a golden opportunity for middle-class families and first-time homebuyers looking for affordable, legal, and high-growth potential plots in Haryana. The scheme successfully combines government support with private sector efficiency to deliver quality planned colonies.

With transparent DDJAY rules, clear DDJAY plot criteria, and inclusive eligibility norms, the scheme has helped thousands of families realize their dream of homeownership. Whether you’re looking to build your first home or make a strategic investment, understanding DDJAY plots eligibility ensures you can make an informed decision.

The comprehensive infrastructure, government backing, excellent connectivity, and flexible ownership options make DDJAY one of the most secure and affordable housing schemes available in Haryana. As urbanization continues and connectivity improves through projects like the Delhi-Mumbai Expressway, DDJAY plots in strategic locations offer both lifestyle and investment value.

Before applying, ensure you meet all eligibility criteria, prepare necessary documents, and research available projects thoroughly. With proper planning and understanding of who can buy DDJAY plots, you can successfully navigate the application process and secure your dream residential plot under this transformative housing initiative.