This paper proposes the Technology-Enabled Equitable Housing Allocation System (TE-EHAS), a next-generation governance framework designed to enhance the targeting, transparency, and fairness of housing benefit distribution under the Pradhan Mantri Awas Yojana (PMAY). TE-EHAS is the first known system to integrate artificial intelligence for real-time multi-source eligibility verification, blockchain for end-to-end auditability, and community-based validation to include populations typically excluded from formal welfare systems. By combining these elements into a single operational model, TE-EHAS addresses long-standing inefficiencies in public housing allocation, particularly those affecting undocumented, low-income, and marginalized households. The system prioritizes equity by design, simplifies documentation requirements, and provides a scalable foundation for broader welfare delivery. TE-EHAS represents a significant shift from manual, opaque processes to a digitally enabled, inclusive, and accountable public service infrastructure