Pradhana Mantri Awas Yojana :is the scheme that can get the house from the Indian Government, this scheme is special made for poor economically backward, poor families, Minorities, SC and ST people, under this scheme, the BPL card holder can get the load up to 6 lakh rupees without interest in a period 20 years.
PMAY Urban
Under PMAY-Urban, the houses will be constructed within the urban areas. Mainly the congested slums areas will be removed to deliver pucca or permanent houses to the inhabitants of the slums and other people from LIG ,EWS and MIG categories.
PMAY Gramin
In the PMAY-Gramin scheme, people from rural areas will get their pucca houses. Those who are living in rented houses or own house but needs reconstruction, can apply for this scheme.
Launched on June 2015, the primary aim for this Yojana is to ensure that 2 crore houses are built across nation’s length and breadth. The estimated completion year for the scheme is 2022, which means that these 2 crore homes will be constructed over a period of 7 years.
Quick highlights of Pradhan Mantri Awas Yojana
| Parameters | Details |
| Scheme Name | Pradhan Mantri Awas Yojana |
| Launch Date | June, 2015 |
| Estimated Time for Completion | 7 years (2022) |
| Primary Objective | Providing affordable houses to Indian citizens |
| Number of Houses to be Built | 2 crores + |
| Primary Target Group | Poor people of India belonging to LIG, EWS and MIG groups. |
| Primary Target Area | LIG, EWS and MIG people of urban and rural area. |
| PMAYG | Pradhan Mantri Awas Yojana Gramin (Rural) |
| PMAYU | Pradhan Mantri Awas Yojana Urban (Sheri) |
| Subsidy | Aprox rs 1.2 Lakhs in Gramin and rs 2.4 Lakhs in Urban |
| Scope of Scheme | Across India |
| Previous Name | Housing for All scheme and Indira Awas Yojana |
| Launched by | Prime Minister Narendra Modi |
Pradhan Mantri Awas Yojana Eligibility Criteria for getting Loan
Should not own permanent house –
An important eligibility criteria is that the applicants or any member of his/her family must not possess a permanent home in any part of the country.
For EWS group –
Applicants who do not earn more than 3 lakhs on a yearly basis will be categorized as EWS or Economically Weaker Sections. All candidates who have documents to prove this will be allowed to apply for a home under this scheme.
Phases of Pradhan Mantri Awas Yojana
The Pradhan Mantri Awas Yojana has its blueprint divided into three phases. In other words, the scheme is designed to be completed in three phases, which are:
Phase I
| Phase | I (one) |
| Target Date of Start | April 2015 |
| Target Date of Ending | March 2017 |
| Number of Cities Targeted | 100 cities in India |
| What to Expect? | Development and completion of affordable houses under the scheme. |
Phase II
| Phase | II (two) |
| Target Date of Start | April 2017 |
| Target Date of Ending | March 2019 |
| Number of Cities Targeted | 200 cities in India |
| What to Expect? | Development and completion of affordable houses under the scheme. |
Phase III
| Phase | III (three) |
| Target Date of Start | April 2019 |
| Target Date of Ending | March 2022 |
| Number of Cities Targeted | All remaining cities in India |
| What to Expect? | Development and completion of affordable houses under the scheme. |
Process to Apply
There are three modes of application under the PMAY scheme. They are offline, online and through CSCs for the urban and rural areas.
Apply Subsidy for Pradhan Mantri Awas Yojana Urban [PMAY (U)]
Offline:
In case of offline registration, there is a demand survey by the urban local bodies. This survey will be conducted to find and organise the list of people living under LIG category (annual income not more than Rs. 6 Lac) and EWS category (Annual Income not more than Rs. 3 Lac). Once the survey will be done, verification process will start and the registration will began accordingly.
Online process:
In case of online process the applicant can register for free of cost through the pradhan mantri awas yojana ministry official website. The link for the website is http://pmaymis.gov.in/. Click on the link and find the registration or sign up form available on the website. Fill it up with required information regarding the loan and applicant’s identity. Submit the form online after successfully completion of the filling up.
CSCs:
Common Service Centres are being established in many places across the nation. Applicants are required to submit all their documents in these CSCs and a minimum registration fee of Rs. 25/- plus service charge for the registration under PMAY (U) scheme.
Apply for Pradhan Mantri Awas Yojana Gramin [PMAY (G)]
Offline:
For PMAY (G) the Gramin Sabha will be in charge for the demand survey. The authorities will conduct the survey in which LIG and EWS categories will be identified to make a list of targeted population. This list should be submitted to the PMAY local authorities for further registration process.
Online:
The online registration process for the PMAY (G) is same as the PMAY (U). The applicant can register through the official ministry website for PMAY without spending anything.
Application form of PMAY (U) and PMAY (G)
The application form is available online only. If the applicant is filling up the form through online, then he/she has to download it and submit it online after filling it up properly. Those who are registering through CSCs can get those forms in hand from the centres. The authorities take out the forms printed and deliver them along with an acknowledgement slip to the applicant against Rs. 25/-. The applicant has to submit the form in CSCs after filling it properly.
Name, contact, gender, date of birth, category, annual income, aadhaar number, BPL certificate details and such are the mandatory options in the form. Also the applicant must mention about the house loan they want such as for construction of new house or renovation of old home.
Status Check: Track your application
After registration, you need to check whether your application gets accepted for the loan or not. To check or track the status of your application, you must click on the following link http://pmaymis.gov.in/Search_Name.aspx. In this page you will find a small empty text box where you have to enter first 3 letters of your name. Once you submit that a long list of applicants’ name will be shown. You can find your name in the list and can get the details of your application status.
Who are the target group of Pradhan Mantri Awas Yojana?
PMAY is launched for the people who have lower income and don’t have their own house to live in. The main targeted population of the scheme is the people living under EWS and LIG. Also people who are living below the poverty line can also be the part of this scheme.
In recent time the central government has stated that the middle income group of MIGs will also be eligible for this PMAY scheme. The loan amount is also increased to 12 Lac from 6 Lac.
Last Date to apply for the PMAY Loan:
The second phase has been started from April 2017 for the scheme. As of now March 2019 is the last date for application is being mentioned by the authority.
Recruited Documents for Pradhana Mantri Awas Yojana 2022:
1.Adhhar Card.
2.Passport size Photos
3.Income Certificate
4. Mobile Number
5. Caste Certificate
6.Job Card Copy
7.BPL Card
Pradhana Mantri Awas Yojana Eligibility:
Below Poverty line Families are Eligible for this Scheme
Minorities, SC,ST and Poor Families are Eligible for This Scheme
Those who don’t have House are only eligible for this Scheme
Language : Kannada
Which Department : Education
Central OR State Information: State
Location : Karnataka
Published Date : 2023
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Purpose of Information : Employee
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Number of Pages : 02
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