Tax & government schemes
DDA Housing Scheme 2026
Current DDA flat schemes in Delhi — Karmayogi, Nagrik Awaas, Karkardooma, Premium Housing — prices, booking and financing.
Updated 7 October 2026 · 17 lenders trackedLowest home loan rate
7.10%
Indian Overseas Bank Home LoanWhat you need to know
The Delhi Development Authority sells flats through periodic housing schemes, now mainly on a first-come-first-served (FCFS) or e-auction basis. In 2026 DDA is running several schemes with a 25% discount on some older inventory, and a new scheme of over 4,000 flats in Narela is expected around Dussehra–Diwali 2026.
Schemes in 2026
| Scheme | Flats & price | Mode |
|---|---|---|
| Karmayogi / Karmajeevi Awaas Yojana 2026 | Ready-to-move freehold 1/2/3 BHK, Pocket-11, Sector A1–A4, Narela; about ₹33.40 lakh (1BHK), ₹75.55 lakh (2BHK), ₹1.065 crore (3BHK) after 25% discount | FCFS; booking from 15 Aug 2026 |
| Nagrik Awaas Yojana 2026 | General public, 25% discount | FCFS; deadlines being extended |
| Towering Heights, Karkardooma | High-rise flats | FCFS |
| Premium Housing Scheme 2026 | Premium flats | E-auction |
| New scheme (expected) | 4,000+ LIG/MIG/HIG flats, mainly Narela | Expected Oct–Nov 2026; prices not announced |
How to book
- RegisterOn the DDA housing portal (eservices.dda.org.in) with PAN and Aadhaar.
- Pay registration feeAs specified in the scheme brochure.
- Book or bidSelect a flat under FCFS, or bid in the e-auction.
- Demand-cum-allotment letterPay the price within the timeline; arrange a home loan early.
- Possession & conveyanceFreehold conveyance deed is registered after full payment.
Financing a DDA flat
- Most banks and HFCs lend against DDA flats; the allotment letter and demand letter are used for sanction.
- RBI LTV caps apply: a ₹33.40 lakh flat can be financed up to ₹30 lakh (about 90%); loans above ₹30 lakh are capped at 80% of value and above ₹75 lakh at 75%.
- Stamp duty in Delhi: 6% men, 4% women, 5% joint, plus 1% registration.
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Frequently asked questions
Are DDA flats freehold?
Flats in the 2026 Karmayogi scheme are sold as freehold; check each scheme brochure.
Is there a draw of lots in 2026?
Current schemes are FCFS or e-auction; check the brochure of any new scheme.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.