The Pradhan Mantri Awas Yojana (PMAY) is a scheme by the Government of India to provide housing for eligible citizens.
This article covers a detailed guide on how to apply for the PMAY scheme, including information on the eligibility criteria, required documents, and more.
Contents
- 1 Overview of PM Awas Yojana
- 2 PMAY-U and PMAY-G
- 3 What is PMAY-G?
- 4 Highlights of the PMAY Scheme
- 5 Documents Required for PM Awas Yojana
- 6 What are the eligibility criteria for the PM Awas Yojana scheme?
- 7 PM Awas Yojana Scheme List
- 8 How to apply for the PM Awas Yojana Scheme?
- 9 How to check the Gramin list of PM Awas Yojana?
- 10 FAQs
Overview of PM Awas Yojana
The PMAY scheme aims to make housing affordable for Indian citizens by developing the housing sector and providing subsidized home loan interest rates. The scheme also promotes the use of eco-friendly building materials.
| Scheme Name | PM Awas Yojana |
|---|---|
| Launch Date | 25th June 2014 |
| Toll free number | 1800-11-6163 – HUDCO 1800 11 3377, 1800 11 3388 – NHB |
| Expected Completion | 31 December 2024 |
| Official Website | https://pmaymis.gov.in/ |
PMAY-U and PMAY-G
The PMAY scheme can be categorized into two categories –
- Pradhan Mantri Awas Yojana (Urban) (PMAY-U) for urban areas
- Pradhan Mantri Awas Yojana (Gramin) (PMAY-G and PMAY-R) for rural areas
What is PMAY-U?
The Pradhan Mantri Awas Yojana-Urban (PMAY-U) is a government program that has been in place since June 2015. It aims to provide affordable housing options and reduce homelessness in urban areas.
The program provides central assistance to implementing agencies to provide houses to eligible families. The beneficiaries could be individuals and families from Economically Weaker Sections (EWS), lower-income groups (LIG), and middle-income groups (MIG) who do not own a permanent house and wish to avail financial assistance for acquiring or constructing a home.
What is PMAY-G?
The PMAY-Gramin (PMAY-G) component of the scheme is applicable to rural areas and aims to build 2.95 crore pucca houses with basic amenities. The scheme provides financial assistance of Rs 1,20,000 for plains and flat areas and Rs 13,00,000 for hilly and difficult areas.
The primary goal of the PMAY-G is to build houses with basic amenities such as water, sanitation, and electricity for those who do not have their own homes or those who live in damaged houses.
Highlights of the PMAY Scheme
- Subsidized Interest Rate – Low 6.50% p.a. interest rate on housing loans for 20 years
- Priority for Special Groups – Differently-abled and senior citizens receive preferential ground floor allocations.
- Eco-Friendly Construction – Sustainable and environmentally conscious technologies utilized in building homes.
- Early Credit-Linked Subsidy—The credit-linked subsidy, which covers all statutory towns in India, is implemented at the project’s inception.
Documents Required for PM Awas Yojana
Required documents to apply for PM Awas Yojana include –
- Aadhar card
- Passport-sized photo
- Job card
- Swachch Bharat Mission Registration Number
- Bank Passbook
- Mobile Number
- Income Certificate
What are the eligibility criteria for the PM Awas Yojana scheme?
The eligibility criteria for PMAY are mentioned below –
- Applicants of the Pradhan Mantri Awas Yojana scheme must belong to EWS (Economically Weaker Section), LIG (Low Income Group), and MIG I & II (Middle Income Group)
- The age of applicants must be a minimum of 18 and less than 70 years.
- The annual income of applicants from the Economically Weaker Section (EWS) should not exceed Rs 3 lakh.
- For applicants in the LIG or Low-Income Groups, the annual income should fall between Rs 3 lakh and Rs 6 lakh.
- The beneficiary family should not have a house registered in their name in India.
PM Awas Yojana Scheme List
| Annual Income of the Household | Category | Interest Subsidy | Maximum Loan Amount on Which Subsidy is Calculated | Maximum Interest Subsidy | Maximum Carpet Area that can be Availed |
|---|---|---|---|---|---|
| Rs 12 lakh to Rs 18 lakh | MIG – II (Middle Income Group – II) | 3.00% | Rs 12 lakh | Rs 2.30 lakh | 1614 sq.ft. |
| Rs 6 lakh to Rs 12 lakh | MIG – I (Middle Income Group – I) | 4.00% | Rs 9 lakh | Rs 2.35 lakh | 1291 sq.ft. |
| Rs 3 lakh to Rs 6 lakh | LIG (Lower Income Group) | 6.50% | Rs 6 lakh | Rs 2.67 lakh | No Limit |
| Up to Rs 3 lakh | EWS (Economically Lower Section) | 6.50% | Rs 6 lakh | Rs 2.67 lakh | No Limit |
How to apply for the PM Awas Yojana Scheme?
To apply for the PMAy scheme, you need to follow these simple steps –
Step 1: Visit the official PMAY website
Visit the official website of PM Awas Yojana at https://pmaymis.gov.in/.
Step 2: Click on the registration form
Here, you have to click on the Registration form.
Step 3: Fill this form
You will be presented with a registration form. Simply enter all the necessary information and submit the required documents.
Step 4: Submit the registration form
Lastly, recheck all of the information you entered, and if everything seems perfect, click on the Submit button to complete your registration.
How to check the Gramin list of PM Awas Yojana?
Registered applicants of PM Awas Yojana can check the list by following the steps below –
- Visit the official website of PM Awas Yojana.
- Click on the Report option on the Homepage.
- Here, you will find the option of beneficiary details for verification. Fill in the details of your district, state, village, etc.
- Select the year after that and select PM Awas Yojana.
- Fill in the captcha code, and click on the Submit button.
That’s it. You can see the Garmin list of PM Awas Yojana.
You may be interested in –
FAQs
How much time does it take to get the subsidy amount from PMAY?
The subsidy amount from PMAY is normally credited to the beneficiary’s account in 3 to 4 months.
What is the maximum annual income should I have to be eligible for PMAY?
The annual income for PMAY should not be more than Rs 18 lakh.
Can I apply for the PMAY if I do not have an Aadhaar Card?
No. You cannot apply for the PMAY scheme if you don’t have an Aadhar card.
Can women apply for the PMAY scheme?
Yes, this scheme gives priority to women who are running a family within the lower income groups. However, if your husband, father, or any other family member that you reside with has applied, your application will be rejected.