Charms Castle Ghaziabad EWS LIG Flats: Cost, EMI, Eligibility & Application Process

A new affordable housing opportunity has been launched in Rajnagar Extension, Ghaziabad under the project Charms Castle, offering EWS and LIG flats at very low prices.

However, before applying, it’s important to understand the real cost, eligibility rules, and common rejection mistakes.

Project Overview

• Location: Rajnagar Extension, Ghaziabad
• Project Name: Charms Castle
• Authority Area: Ghaziabad Development Authority (GDA)
• Type: EWS & LIG Flats (under UP Township Policy – mandatory allocation)
• Status: RERA Registered Project
• Total Units: 308 (Single Tower)

Total Flats

• EWS Flats: 154
• LIG Flats: 154
• Total: 308 Flats

Each floor will have:

• 14 Flats (7 EWS + 7 LIG)

Flat Size (Carpet Area)

• EWS: 199.5 sq ft (≈ 18.5 sq m)
• LIG: 342 sq ft (≈ 32 sq m)

Price Breakdown (Very Important)

Base Price

• EWS: ₹5.15 lakh
• LIG: ₹10.80 lakh

Final Estimated Cost

Including mandatory charges:

• EWS: ~₹6.15 lakh
• LIG: ~₹11.80 lakh

Additional Charges (Compulsory)

• Maintenance Security (one-time)
• Electricity Meter Charges
• Power Backup Charges
• Other builder-fixed charges

👉 Plus GST and Registry charges extra

Registration Amount (Refundable)

• EWS: ₹51,500
• LIG: ₹1,08,000
• Mode: Demand Draft

👉 If not allotted → full refund after draw

Payment Options

1. Installment Plan

• 10% at application
• 15% within 1 month of allotment
• Remaining 75%:
  • Paid over 6 years
  • 24 quarterly EMIs
  • 10% simple interest

EMI Details

• EWS: ~₹25,750 (quarterly)
• LIG: ~₹54,000 (quarterly)

2. Full Payment Option

• Pay within 90 days of allotment
• 5% discount available
• Bank loan facility available (e.g., Nainital Bank)

Eligibility Criteria (Strict)

Basic Conditions

• Must be an Indian citizen
• Minimum age: 18 years

Family Definition (Important)

• Husband + Wife + Unmarried Children

Property Rules

• No property allowed in Ghaziabad (self or family)
• In UP: Not more than one property allowed

Income Criteria (Mandatory Proof Required)

• EWS: Up to ₹3 lakh/year
• LIG: ₹3–6 lakh/year

👉 Income Certificate is mandatory, otherwise form will be rejected

Can Non-UP Residents Apply?

✔ Yes — any Indian citizen can apply

❗ But:

• SC/ST/OBC reservation is only for UP residents

Reservation Details

Vertical Reservation

• SC / ST / OBC (only for UP residents)

Horizontal Reservation

• 3% for Divyang (Disabled)
• 10% for Senior Citizens

👉 Valid certificate required, otherwise counted in General category

Allotment Process

• Through Lottery System
• Conducted by GDA

Timeline

• Official: 6 months
• Practical: 6–10 months possible

Lock-in Period

• Cannot sell flat for 5 years after allotment

Possession Status

• Project is not fully constructed yet
• Possession will take time

Important Dates

• Last Date to Apply: 10 April 2026

👉 Very limited time left

Application Process (Offline Only)

• Forms are NOT available online
• Must be:
  • Collected physically
  • Submitted physically

Location

• Charms 58 High Street Mall
• Rajnagar Extension, Ghaziabad

Documents Required

• Aadhaar Card
• PAN Card
• Income Certificate (Mandatory)
• Passport Size Photo
• Caste Certificate (if applicable)
• Cancelled Cheque
• Affidavit (must be notarized in given format)
• Demand Draft

Affidavit (Critical Step)

• Format provided in application form
• Must be:
  • Filled exactly
  • Notarized

❗ Any mistake → application rejection

Flat Layout

LIG Flat

• 1 Bedroom
• Living Area
• Kitchen
• Balcony
• Combined Toilet/Bath

EWS Flat

• Studio-type (single hall)
• Kitchen
• Balcony
• Separate Toilet & Bathroom

Building Features

• Single Tower
• 22 Floors
• 3 Basement + Stilt Parking (4 levels total)
• Approx. 2 lifts
• High-density: 14 flats per floor

Common Reasons for Rejection (Very Important)

• Wrong income category selection
• Missing income certificate
• Incorrect affidavit
• Missing reservation certificate
• गलत जानकारी (incorrect details in form)

Important Rule (Multiple Applications)

• If you get allotment in multiple schemes:
  • You can keep only one flat
  • Others must be surrendered
  • Refund will be given

Comparison Insight (Important)

• Compared to Samriddhi Homes (Web City):
  • That project offers larger EWS units
  • But Rajnagar Extension has better location advantage

Final Verdict

✔ Very low-cost housing opportunity (₹5–12 lakh range)
✔ Good location in Ghaziabad
✔ Flexible payment options

❗ But:

• Strict eligibility
• High rejection chances if mistakes made
• Lottery-based (no guarantee)
• Under-construction (wait for possession)