The history of public housing programs in India dates back immediately post India’s independence. It started as an initiative to relocate refugees, and since then, the Government of India has put in continuous efforts to provide housing for the urban and rural poor. Pradhan Mantri Awas Yojana (PMAY) is a result of that effort. This article will discuss all the various Pradhan Mantri Awas yojana details to help you understand every little detail of this scheme. You can also learn about the documents required for PM Awas Yojana.
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What is Pradhan Mantri Awas Yojana (PMAY)?
Pradhan Mantri Awas Yojana, also known as PMAY, is an initiative by the Government of India to provide affordable housing to urban and rural poor by the year 2022. It was on 17th June 2015 when Prime Minister Narendra Modi announced PMAY to ensure housing for all by the year 2022 (also the 75th year of India’s Independence). This scheme comes under the Credit Linked Subsidy System (CLSS) to provide monetary support to eligible families of Lower Income Group (LIG), Economically Weaker Section (EWS), and Middle-Income Group (MIG – I & II). Eligible beneficiaries will get subsidies on their loan interest on housing loans. The PMAY is available to Urban and Rural(Gramin) areas of India. Read till the end to learn about the PMAY Scheme details
Pradhan Mantri Awas Yojana – Urban (PMAY-U)
As the name suggests, Pradhan Mantri Awas Yojana – Urban (PMAY-U) was launched (in 2015) to ensure affordable housing for the poor in urban areas in different states and UTs. Currently, this scheme has 4,331 cities and towns listed under it. PMAY-U aims to work in three phases, they are:
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Phase 1: We will be focusing on 100 cities and towns of selected states and UTs from April 2015 to March 2017
Phase 2: We will be focusing on 200 additional cities and towns of selected states and UTs from April 2017 to March 2019
Phase 3: We will be focusing on the remaining towns and cities from April 2019 to March 2022
Beneficiary List of PMAY-U
- PM Awas Yojana – Urban is for the poor living in urban spaces including slum dwellers.
- An eligible household must include a wife, husband, unmarried son/s and unmarried daughter/s.
- This scheme includes people from the Lower Income Group (LIG), Economically Weaker Section (EWS), and Middle-Income Group (MIG) of cities and towns.
- Women who belong to EWS or LIG groups.
- According to the data given by the Ministry of Housing and Urban Affairs, as of July 1, 2019, there are 83.63 lakh sanctioned houses, 26.08 lakh completed houses, and 23.97 lakh occupied houses under the PMAY-U scheme in all states and UTs.
Pradhan Mantri Awas Yojana – Gramin (PMAY-G)
Formally, Indira Awas Yojana (IAY), this scheme was renamed in 2016 Pradhan Mantri Awas Yojana – Gramin. PMAY-G aims at the rural poor population to give them access to housing facilities excluding Delhi and Chandigarh. Under this scheme, the Central and State governments must share the cost of the development of these housing constructions. The ratio of which is 60:40 for the plain regions and 90:10 for the hilly regions.
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Beneficiaries of PMAY-G
PMAYG beneficiary details are as follows.
- Scheduled castes and scheduled tribes.
- Non-SC/ST and minorities under BPL.
- Widows or next to keen ex-servicemen, those who were killed in action, paramilitary service, and of those who are under retirement scheme.
The data provided by the Ministry of Rural Development show that 1,03,01,107 houses have been sanctioned under this scheme in all states and UTs.
Pradhan Mantri Awas Yojana (PMAY) Eligibility
The PMAY scheme eligibility is dependent on the following criteria:
- Households having an annual income of up to Rs. 12 lakhs are eligible to apply for this scheme.
- A beneficiary, including his/her family members, must not own a Pucca house in any state of India.
- In the case of a married couple, they can apply for joint ownership or any one of them can avail of the loan subsidy.
Following are the eligibility criteria for the PMAY-G scheme:
- The beneficiaries or any member of the household should not have a Pucca house in any part of the country.
- The family should not own a two-wheeler, three-wheeler, or four-wheeler.
- The family must not have a fridge or landline service.
Features of Pradhan Mantri Awas Yojana (PMAY)
- PMAY is aimed at facilitating affordable and accessible housing facilities to the poor in Indian urban and rural spaces, including those who are living in slums by 2022.
- PMAY-U takes under its roof the people from the Lower Income Group (LIG), Economically Weaker Section (EWS), and Middle-Income Group (MIG- I & II).
- SC, ST, non-SC/ST minorities under BPL, widows of paramilitary who died in action and ex-servicemen can avail PMAY-G scheme.
- Nearly 4,331 cities and towns all over India are enlisted under this scheme.
- The PMAY-U scheme will be completed in 3 phases.
- For the rural poor, the government is planning to build 4 crore houses under PMAY-G.
- The government has set a budget of Rs 81,975 crore for the PMAY-G scheme.
- The PMAY-G scheme excludes Delhi and Chandigarh.
- PMAY – G focuses on building 2.95 crore Pucca houses across the rural area of India by 2022 in 2 phases.
- The Central government has planned to invest a total sum of Rs 4,94,838 crore to make the PMAY-U scheme successful.
- In rural areas, central and state governments will share the development cost of the housing construction.
- The constructions will be using eco-friendly and sustainable materials.
- The senior citizens and the differently-abled people will be allocated on the ground floor.
Benefits of Pradhan Mantri Awas Yojana
Using the Credit Link Subsidy Scheme (CLSS), PMAY is trying to provide an interest subsidy of up to 6.5% for a maximum tenure of 20 years on housing loans. Below is a detailed table of the benefits of PMAY:
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Economically Weaker Section (EWS) Lower Income Group (LIG) Middle Income Group – I (MIG-I) Middle Income Group-II (MIG – II) The maximum annual income of the beneficiary* Up to 3 Lakh 3 to 6 Lakh 6 to 12 Lakh 12 to 18 Lakh Interest subsidy 6.50% 6.50% 4.00% 3.00% Maximum home loan amount* 6 Lakh 6 Lakh 9 Lakh 12 Lakh Maximum interest subsidy amount* 2.67 Lakh 2.67 Lakh 2.35 Lakh 2.30 Lakh Maximum carpet area 30 sq m. 60 sq m. 160 sq m. 200 sq m.
On the other hand, under the PMAY-G scheme, the government is providing financial support of up to 1.2 lakhs in the plain region, and up to Rs. 1.3 lakhs in the hilly and North-East region. The minimum carpet area under this scheme is 25 sq m. At the same time, each beneficiary is entitled to receive a fixed amount of Rs. 12,000 to build toilets. The beneficiaries also have the freedom to choose house design based on the region, climate and culture.
How to Apply for PMAY Online?
PMAY-U:
If you want to apply for the PMAY -Urban online, all you need to do is:
- Log into the PMAY-U website: https://pmaymis.gov.in/
- Choose between ‘Slum Dwellers’ and ‘Benefits under 3 Components’ from the Citizen Assessment section
- Enter your Aadhar Number
- Fill in all the details carefully
- After filling in the details, scroll down, fill in the captcha and click the submit button
PMAY-G
The beneficiaries of this scheme are selected based on the report of the Socio-Economic Caste Census (SECS) automatically. However, you can still apply for PMAY-G. If you want to apply for PMAY – Gramin online, just follow the following steps:
- Log into PMAU-G website: https://pmayg.nic.in/
- Fill in all the required details
- Enter your Aadhar number and search for the beneficiary’s name
- If you find the name, click on “Select to Register”
- Verify the auto-filled details and add if needed
- Provide your consent form, details of your bank account, MGNREGA number and Swachh Bharat Mission number
- Your registration number will be generated
How to Check Pradhan Mantri Awas Yojana Status?
If you have already applied for PMAY subsidy and want to check PMAY application status online, the following are the steps you need to follow:
PMAY-U
- Visit the official website of PMAY-U
- Enter your citizen assessment status
- Track your status, submitting Assessment number or Application number or Father’s name and your registered mobile number
PMAY-G
- Go to the PMAY-G website with the beneficiary list
- Provide your registration number
- Click on the Submit number to track your status
Documentation Requirements for Pradhan Mantri Awas Yojana
Here is a list of all the required documents required for PMAY Application:
- Driving License/ Passport/ Life Insurance Policy and Certificate/ Birth Certificate/ Pan Card/ School Leaving Certificate/ Copy of your passport/ Life Insurance Policy/ Birth Certificate/ School Leaving Certificate.
- Cumulative Affidavit signed by all the members of the family stating nobody in the family owns a pucca house.
- Agreement for the development of the property between the applicant and the builder.
- The declaration for a property under construction along with the certificate stating the property’s current valuation.
- Identity Proof Documents like Aadhar card, PAN card, Driving Licence and Voter’s ID.
- Bank Statement of the applicant along with the property registration documents. You will require a copy of the property tax receipt as well.
- Proof of income and address proof copy for all the members of the family. A copy of the salary slip document and Form 16 is required.
- Income Proof papers – a copy of your last six months’ salary account bank statements
- Existing loan information will be delivered via bank statements.
- A cheque for the Processing Fee – To be granted from a salaried customer’s salary account or a self-employed customer’s company account NOC from a Competent Authority or any Registered Housing Society
The government of India is working hard to make Pradhan Mantri Awas Yojana or PMAY a successful scheme. A big portion of this task has already been done efficiently. However, sometimes it may feel difficult to understand the ins and outs of the scheme. If you feel any need for consultation, we, at NoBroker, are always ready to guide you with our expert advice. Just visit the legal section of our website and let us know your queries.
FAQs
Q1. Who is eligible for the Pradhan Mantri Awas Yojana?
Ans. People who are eligible for availing Pradhan Mantri Awas Yojana or PMAY are people who belong to:
EWS – Annual family income up to Rs. 3 Lakhs
LIG – Annual family income from Rs. 3 – 6 Lakhs
MIG–I – Annual family income from Rs. 6 – 12 Lakhs
MIG-II – Annual family income from Rs. 12 – 18 Lakhs
Women from EWS and LIG group
SC/ST or other minorities
Q2. Is Pradhan Mantri Awas Yojana available for existing home loan borrowers?
Ans. If you have already taken a home loan, you can still avail the benefits of Pradhan Mantri Awas Yojana. You only need to fulfil the eligibility criteria, that’s all.
Q3. What are the three phases of PMAY-U?
Ans. Pradhan Mantri Awas Yojana – Urban or PMAY-U has three phases:
Phase 1: It will cover 100 cities and towns across India
Phase 2: It will cover additional 200 cities and towns across India
Phase 3: It will cover the remaining cities and towns
Q4. If the applicant already owns a Pucca house, can he apply for a subsidy?
Ans. Pradhan Mantri Awas Yojana subsidy is for those households who do not own a Pucca house anywhere in India. If any applicant or any member of his family has a Pucca house in his/her name, he cannot apply for this subsidy.
Q5. What are the documents required to apply for the PMAY scheme?
Ans. The documents a potential beneficiary will need are:
Aaadhar card
Affidavit of their income
Affidavit assuring that the family does not already own a Pucca house
Q6. How can I check my name on the PMAY-G list?
Ans. If you have applied for PMAY-G, you already have a registration number. Just go to PMAY-G official website and enter your registration number. You will be able to see your status.
Q7. Can I fill the PMAY form offline?
Ans. Yes, you can fill your Pradhan Mantri Awas Yojana form offline. Visit your nearest Common Service Centre and ask for the offline form. Fill the form and submit it there with the required documents.
Q8. From which banks can I avail Pradhan Mantri Awas Yojana subsidy?
Ans. Any scheduled commercial bank, housing finance company, state cooperative bank, urban co-operative bank, regional, rural bank or any other MoHUA recognized bank can give you a subsidized loan under the Pradhan Mantri Awas Yojana scheme.
Q9. Is the PMAY-G scheme applicable all over India?
Ans. Yes, Pradhan Mantri Awas Yojana – Gramin is for the rural poor from all over India excluding Delhi and Chandigarh.
Q10. Where can I get the PMAY Contact Number?
Ans. You can find the PMAY contact number in the Credit Linked Subsidy Scheme Awas (CLAS)Portal.
Q11. How can I check PMAY Beneficiary Details?
Ans. PMAY Beneficiary details can be checked on the pmaymis.gov.in list for PMAY beneficiary search.
