Launched by the Government of India, the Pradhanmantri Awas Yojana scheme operates intending to provide housing with basic amenities to all by 2022. This government housing scheme was launched in mid-2015 to offer affordable housing for urban as well as rural poor. Intending to build 20 million houses by the end of the financial year 2021-22, PMAY has two major components
Pradhan Mantri Awas Yojana Urban (PMAY-U)
Pradhan Mantri Awas Yojana Gramin (PMAY-G)
The PMAY-G is focused on contracting brick and mortar houses for homeless people and those living poor living conditions. And, PMAY-U's objective is to provide affordable housing to those belonging to the economically weaker section that it aims to achieve by following the action points listed below:
Rehabilitating slum dwellers, with private funding support
Providing credit linked subsidy schemes to encourage people to avail of affordable housing
Construction and enhancement of affordable houses for eligible people
Provision of affordable housing through a joint venture between the public and private sectors
Before knowing how to apply for Pradhan Mantri Awas Yojana, check if you meet its eligibility criteria. You are eligible for PMAY if your annual income belongs to the following four groups:
Economically Weaker Section (EWS) – The annual income of the family should not be more than Rs. 3 lakh.
Lower Income Group (LIG) – Your annual household income is between. 3 lakh and Rs. 6 lakh.
Middle Income Group I (MIG I) – Your annual household income ranges from Rs. 6 lakh to Rs. 12 lakh
Middle Income Group-II (MIG II) – Your family's annual income is above Rs. 12 lakh but below Rs. 18 lakh
If you find yourself eligible for PMAY and looking for the process, follow the step-by-step guide given below:
Find the category under which you find you're eligible
Then visit the official website: http://pmaymis.gov.in.
Now, click on the Citizen Assessment button given under the main menu and then select the applicant category.
You will be redirected to a different page where you need to fill your Aadhaar details.
Fill the online PMAY application with your personal, income, and bank account details, and current residential address.
Enter the captcha code, verify the details for accuracy, and then submit
Whenever you want, you can track the application status later on by clicking on Track your Assessment Status under Citizen Assessment.
To access PMAY benefits under the Slum Dweller category, follow the steps given below:
Log in to the official Pradhan Mantri Awas Yojana at pmaymis.gov.in
Choose the For Slum Dwellers option in the Citizen Assessment dropdown
Enter your Aadhaar number and click on the submit (Now, the site will verify whether the Aadhaar details provided is correct).
If the information provided is correct, you will be land to the next page where you will have to provide all the pertinent information related to your name, income, number of family members, contact details, age of the head of the family, residential address, religion, caste and the more.
After you fill all the information, scroll down, type the captcha code in the box and click on the submit button.
If you are getting tough to apply for the PMAY scheme online, go for offline, here is the process:
Visit the nearest Common Service Center, operated by your respective State Government or Union Territory Government. You can also visit any bank listed under PMAY scheme.
Collect and fill up the Pradhan Mantri Awas Yojana form
Submit the duly filled form with the vital documents at the respective Common Service Centre or the respective bank.
An application fee of Rs. 25 along with GST will be charged if you wish to opt for the offline process.
Pradhan Mantri Awas Yojana as a scheme was envisioned to lower the financial burden on people who are from the lower economic background, who want to get home. The subsidy provided under this plan can help you in partial repayment of home loans and decrease your liabilities. The online and offline process is registered under PMAY, offering subsidized home loan rates, have further simplified the process and made it easier for you to avail the advantages of the scheme.
Hopefully, you found this post helpful and avail PMAY easily.
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