Read about the Jagananna Sampoorna Gruha Hakku Scheme, a government initiative for the people of Andhra Pradesh at Vakilsearch as explained by the experts.

AP Jagananna Sampoorna Gruha Hakku Scheme 2024

Andhra Pradesh Chief Minister YS Jagan Mohan Reddy inaugurated the Jagananna Sampoorna Gruha Hakku Scheme 2023, on 21  December 2021.  The Government of Andhra Pradesh would cancel all loans and interest on government-approved houses under this scheme, giving beneficiaries full ownership of their property. Beneficiaries are asked to pay a modest fee in order to make use of this scheme.

The Chief Minister announced the scheme’s commencement at an event in Tanuku, West Godavari district. This initiative will assist over 5.2 million families. Under a one-time settlement scheme, the government will offer a registered title deed in exchange for a modest sum.

OTS Initiative Under Jagananna Sampoorna Gruha Hakku Scheme

On 28 February 2022, Andhra Pradesh Chief Minister Jagan Mohan Reddy announced the opening of a credit facility for beneficiaries of the Jagananna Sampoorna Gruha Hakku Scheme. According to the Chief Minister, the recipient from Guntur Municipal Corporation paid ₹ 20000 and received a clear title to their property without any litigation.

As a result, they mortgaged their property and obtained a loan of ₹ 300,000 in order to provide a better life for their families. The beneficiary will receive ₹15000 under this scheme, as well as a total exemption from registration and stamp duties. The OTS initiative eliminated loans of ₹10,000 crores. 

The CM asked the officials to finish the registration of properties for OTS beneficiaries within the time frame specified.

Government To Waive Off ₹10000 Crore Outstanding Loans

Following payment of the nominal value, the beneficiaries can pass on the asset to the next generation, obtain a loan, and sell their property at market value. The Government of Andhra Pradesh would waive roughly ₹10,000 crores in unpaid home loans under the JSGH Scheme 2023 scheme. In 2011, these loans were obtained from the AP Housing Board Corporation.

The Chief Minister has also issued registered documents to the 826000 people who have enlisted in the plan as part of the scheme. Aside from that, citizens who have built residences on government-allotted properties with their own money but do not have full rights can also apply by paying ₹10. Under this scheme, the government has spent ₹6000 crores on free registration alone.

Nominal Value To Be Paid For Availing Benefit Of This Scheme

Beneficiaries must pay a minimum fee of ₹10000 in villages, ₹ 15000 in municipalities, and ₹ 20000 in municipal corporations in order to receive the benefits of the JSGH Scheme 2023. If the loan amount is less than the stipulated amount, the beneficiaries can pay the outstanding loan amount and keep their property rights. Beneficiaries can apply for this plan until April 2022.

Following payment of a small amount, the beneficiary’s property would be removed from the forbidden land under Section 22. (A). Beneficiaries can also register their property with the village and ward secretariats for free to expedite the registration procedure.

Key Highlights Of Jagananna Sampoorna Gruha Hakku Scheme 2024

Jagananna Sampoorna Gruha Hakku Scheme Objective

The primary goal of the JSGH Scheme 2023 is to eliminate all loans and interest for government-approved residences. Beneficiaries will be granted full ownership of their property under this arrangement. To take advantage of this scheme’s benefits, the beneficiary must pay a small fee. Beneficiaries will receive a registered ownership deed after paying the minimal fee. With the scheme’s adoption, beneficiaries will be able to pass on their assets to the next generation, obtain loans, and sell their property at market value. All recipients who have taken out loans for government-approved houses will now be granted property rights.

Benefits And Features Of Jagananna Sampoorna Gruha Hakku Scheme 2024

1. The Andhra Pradesh government has announced the JSGH Scheme 2023.
2. The Government of Andhra Pradesh would cancel all loans and interest on government-approved houses under this scheme, giving beneficiaries full ownership of their property.
3. Beneficiaries must make a small nominal fee in order to take advantage of this scheme.
4. This programme will assist around 5.2 million families.
5. Under a one-time settlement (OTS) scheme, the government will offer a registered title deed in exchange for a modest sum.
6. Beneficiaries will also receive registration documents.
7. Following payment of the nominal value, the beneficiaries can pass on the asset to the next generation, obtain a loan, and sell their property at market value.
8. The Andhra Pradesh government would waive around ₹ 10,000 crores in outstanding house debts under this scheme.

Other Benefits

1. Since 2011, these loans have been obtained via the AP Housing Board Corporation.
2. The execution of this scheme will help 52 lakh people.
3. The Chief Minister has also given out registered paperwork to the 826000 people who have signed up for this scheme.
4. Citizens who have built residences on government-allotted land using their own money. They do not have full privileges, but they can register for a fee of ₹10.
5. Under this plan, the government has spent 6000 crores on free registration alone.
6. Beneficiaries must pay a nominal fee of ₹10000 in villages,₹15000 in the municipality, and ₹20000 in Municipal corporations in order to benefit from the scheme.
7. If the loan amount is less than the specified amount, the beneficiaries may pay the outstanding loan amount and retain ownership of their property.
8. Beneficiaries can apply for this plan until April 2022.

Eligibility Criteria And Required Documents

• The applicant must be a permanent resident of Andhra Pradesh
• The applicant must have taken a loan for government-sanctioned houses
• Aadhar card
• Residence certificate
• Passport size photograph
• Mobile number
• Ration card
• Email ID

Apply Under Jagananna Sampoorna Gruha Hakku Scheme 2023

• Go to the JSGH Scheme’s official website.
• On the homepage, you must click on apply now and on the new page you must input your registration information.
• You must now upload all of the relevant documents and click the submit button.
• You must register under the JSGH scheme by completing this procedure.

Procedure To Login On The Portal

• To begin, open the official website of the , and the main page will appear.
• Click on the login option and select one of the following alternatives.
• NPI Sign In
• Sign in
• Choose one of your choice
• The login form will display in front of you, and you must enter your username, password, and captcha code.
• Sign in now with the required information.

Some Important Information Regarding JSGH Scheme

• This scheme will create permanent ownership of the houses in which the beneficiary lives.
• The document will make transactions easier.
• There will be no need for a linked document if the patta is provided under this method. 

The registration will be done in the beneficiary’s name at the village secretariat level.

• It is not necessary to visit the sub-registrar’s
• There are no registration fees to pay.
• The government has waived all of the required payments for the registration process.
• The paperwork can be used to obtain mortgage credit from a bank. Aside from that, there will be no title paperwork given.

Why Vakilsearch?

Jagananna Sampoorna Gruha Hakku scheme is for the people of Andhra Pradesh. The government cancelled all the interests to be paid on the government-approved houses. So, this will make the beneficiaries the permanent owners of the property. 

We at Vakilsearch can guide you through the process and help you understand what the scheme is and how to apply for it. Our business consulting experts will be available for you with the best legal services.

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