Thursday, August 27, 2020

Pradhan Mantri Awas Yojana (PMAY) How to Apply Online Eligibility, Benefits Application Form

Pradhan Mantri Awas Yojana (PMAY) How to Apply Online Eligibility, Benefites Application Form for yojana housing scheme online
Pradhan Mantri Awas Yojana (Urban, Rural)-PMAY  : Pradhan Mantri Awas Yojana (PMAY) is an initiative by Government of India in which affordable housing will be provided to the urban poor with a target of building 20 million affordable houses by 31 March 2022. It has two components: Pradhan Mantri Awas Yojana (Urban) (PMAY-U) for the urban poor and Pradhan Mantri Awas Yojana (Gramin) (PMAY-G and also PMAY-R) for the rural poor. This scheme is converged with other schemes to ensure houses have a toilet, Saubhagya Yojana electricity connection, Ujjwala Yojana LPG gas connection, access to drinking water and Jan Dhan banking facilities, etc.




Pradhan Mantri Awas Yojana (Urban) Mission launched on 25th June 2015 which intends to provide housing for all in urban areas by year 2022. The Mission provides Central Assistance to the implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all eligible families/ beneficiaries against the validated demand for houses for about 1.12 cr. As per PMAY(U) guidelines, the size of a house for Economically Weaker Section (EWS) could be upto 30 sq. mt. carpet area, however States/UTs have the flexibility to enhance the size of houses in consultation and approval of the Ministry.

In continuation to this Government’s efforts towards empowerment of women from EWS and LIG unlike earlier schemes, PMAY (U) has made a mandatory provision for the female head of the family to be the owner or co-owner of the house under this Mission. Verticals of PMAY (Urban) A basket of options is adopted to ensure inclusion of a greater number of people depending on their income, finance and availability of land through following four options.


Significance of the Scheme:
The features of Pradhan Mantri Awas Yojana are that the government will provide an interest subsidy of 6.5% (for EWS and LIG), 4% for MIG-I and 3% for MIG-II on housing loans availed by the beneficiaries for a period of 20 years under credit link subsidy scheme (CLSS) from the start of a loan. The houses under Pradhan Mantri Awas Yojana would be constructed through a technology that is eco-friendly, while allotting ground floors in any housing scheme under PMAY, preference will be given to differently abled and older persons.

What is the Pradhan Mantri Awas Yojana & PMAY List?

The PMAY scheme consists of the following four components. 

In-Situ Redevelopment: The government aims to redevelop land under current slum dwellings, providing urban slum dwellers with better constructed homes that have proper sanitation facilities. A grant of Rs.1 lakh is also available to those who are eligible to improve their homes.

Credit Linked Subsidy Scheme (CLSS): Here, the government provides an interest subsidy of up to 6.50% on home loans offered via multiple banks and financial institutions, reducing the interest outgo and overall cost of the loan for first-time homeowners.

Affordable Housing in partnership: State governments in partnership with public or private developers will construct affordable housing for all beneficiaries, but with the focus on economically weaker sections of the society.

Enhancement and construction of beneficiary-led houses: Eligible candidates that are exempt from the above-mentioned components will be granted a financial assistance of Rs.1.5 lakh from the central government to either rebuilt their existing house or construct a new one.

To avail of these benefits, you have to apply for the PMAY scheme. On making a successful application, you will be allotted a unique application number, which you can use to check if your name is mentioned in the Pradhan Mantri Awas Yojana list. The PMAY list contains the names of eligible candidates whose application have been accepted.


Who is a PMAY beneficiary?

  1. Individuals eligible to avail PMAY benefits are called beneficiaries
  2. A beneficiary family comprises a husband, wife, unmarried sons and/or unmarried daughters
  3. An adult earning member, irrespective of his/her marital status can be treated as a separate household
  4. Beneficiaries under EWS category get complete assistance under the scheme, while those from MIG and LIG categories are only eligible for CLSS under PMAY.


List of Beneficiaries under PMAY Scheme
The list of beneficiaries under Pradhan Mantri Awas Yojana is:

  1. Economically Weaker Section (EWS): Families with annual income of up to Rs. 3 lakh
  2. Low Income Group (LIG): Families with annual income between Rs. 3 lakh and Rs. 6 lakh
  3. Middle Income Group I (MIG I): Families within annual income between Rs. 6 lakh and Rs. 12 lakh
  4. Middle Income Group II (MIG II): Families with annual income between Rs. 6 lakh and Rs. 12 lakh
  5. Women falling under EWS and LIG income groups
  6. Scheduled Caste (SC), Scheduled Tribe (ST), and Other Backward Class (OBC)




Pradhan Mantri Awas Yojana Eligibility Criteria
To avail subsidy under Pradhan Mantri Awas Yojana (PMAY) – Credit Linked Subsidy Scheme (CLSS), prospective applicants need to fulfil the eligibility criteria. PMAY was introduced by the Ministry of Housing and Urban Poverty Alleviation (MoHUPA) in June 2015 with the objective of “Housing for All by 2022”. CLSS is a component of PMAY through which the government offers interest subsidy of up to Rs. 2.67 lakh on home loans to eligible beneficiaries.

Let us look at the eligibility criteria in order to avail the benefits of PMAY- CLSS.
  1. To be eligible for PMAY, a beneficiary must not own a ‘pucca’ house in his/her name or in the name of any other member of his/her family in any part of the country
  2. The beneficiary must not have availed or received any sort of assistance from the Central Government under a housing scheme of any benefits given under PMAY
  3. The beneficiary family should not have availed PMAY subsidy from any of the Primary Lending Institutions (PLIs)
  4. In case of married couple, either one of the spouse or both in joint ownership are eligible for one subsidy
  5. For Pradhan Mantri Awas Yojana eligibility, the household income of the beneficiary must fall under one of the income groups – Economically Weaker Section (EWS), Low Income Group (LIG), Middle Income Group – I (MIG-I) and Middle Income Group – II (MIG-II)
  6. Beneficiaries who intend to avail PMAY benefits under the MIG income group, must furnish their Aadhaar numbers
  7. Home loan borrowers who availed the subsidy, but switched to another lender during the loan tenure under home loan balance transfer cannot claim the benefit again
  8. In case of home loan balance transfer, the home loan to be transferred from the existing lender should have been availed on/after Jan 1, 2017 for MIG category and June 17, 2015 for EWS/LIG category. But the beneficiary should not have claimed the subsidy from the existing lender
  9. All Statutory Towns, as per Census 2011 and towns notified subsequently, are eligible for coverage under the PMAY HFA mission
  10. The construction/extension for which home loan is availed must be completed within 36 months from the date of disbursement of the 1st instalment of the loan amount
  11. Beneficiaries belonging to LIG/EWS Category must have their houses (acquired or constructed with central assistance under the mission) in the name of the female head of the household or in joint ownership with the male head of the household and his wife
  12. In case the beneficiary family belonging to LIG/EWS category does not have an adult female member in the family, the house can be in the name of male member of the household

How to Apply Online?
Step: 1 - Log on to the PMAY website pmaymis.gov.in
Step: 2 - Choose the ‘Citizen Assessment’ option and click on the applicable choice: “For Slum Dwellers” or “Benefits under other 3 components”.
Step: 3 - Enter Aadhaar card details
Step: 4 - This will redirect you to the application page, where you will have to fill in all the details accurately.
Step: 5 - The details to be filled include name, contact number, other personal details, bank account and income details, among others.
Step: 6 - Once this is done, choose the ‘Save’ option and enter the Captcha code.
Step: 7 - Then, click on the ‘Save’ button.
Step: 8 - The application is now complete and a print out can be taken at this stage.

Pradhan Mantri Awas Yojana Official Website



User Mannual PMAY




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