How to Apply for Pradhan Mantri Awas Yojana: A Step-by-Step Guide

If you are looking for a way to avail affordable housing in India, Pradhan Mantri Awas Yojana (PMAY) is an excellent option. The government-sponsored scheme aims to provide affordable housing to all eligible beneficiaries in the country by 2022. However, many people are unaware of the application process for PMAY. In this article, we will guide you on how to apply for Pradhan Mantri Awas Yojana.

What is Pradhan Mantri Awas Yojana (PMAY)?

Pradhan Mantri Awas Yojana (PMAY) is a government-sponsored scheme launched in 2015 with the aim of providing affordable housing to all eligible beneficiaries in the country by 2022. The scheme has two components - Pradhan Mantri Awas Yojana Urban (PMAY-U) and Pradhan Mantri Awas Yojana Gramin (PMAY-G).

Under PMAY-U, the government provides financial assistance to eligible beneficiaries to construct, purchase or renovate their homes. PMAY-G, on the other hand, aims to provide pucca houses to eligible beneficiaries in rural areas.

Eligibility Criteria for Pradhan Mantri Awas Yojana

To be eligible for Pradhan Mantri Awas Yojana, you must fulfill the following criteria:

For Pradhan Mantri Awas Yojana Urban (PMAY-U)

• The applicant should not own a pucca house in his/her name or in the name of any member of his/her family in any part of India.
• The applicant should not have availed any central assistance under any housing scheme from the Government of India.
• The applicant should not have availed any benefit under any scheme in PMAY.
• The annual household income of the applicant should be less than Rs. 18 lakhs.
• The property should be co-owned by a female member of the family.
• The property should be located within statutory town limits as notified by the government.

For Pradhan Mantri Awas Yojana Gramin (PMAY-G)

• The applicant should belong to the Economically Weaker Section (EWS), Low Income Group (LIG), or Middle Income Group (MIG) category.
• The applicant should not own a pucca house in his/her name or in the name of any member of his/her family in any part of India.
• The annual household income of the applicant should be less than Rs. 3 lakhs for EWS category, between Rs. 3 lakhs to Rs. 6 lakhs for LIG category, and between Rs. 6 lakhs to Rs. 18 lakhs for MIG category.
• The property should be located in a rural area.

Types of Pradhan Mantri Awas Yojana

There are two types of Pradhan Mantri Awas Yojana:

Pradhan Mantri Awas Yojana Urban (PMAY-U)

PMAY-U aims to provide affordable housing to the urban poor in India. Under PMAY-U, the government provides financial assistance to eligible beneficiaries for constructing, purchasing, or renovating their homes. The scheme has four components:

• In-Situ Slum Redevelopment (ISSR)
• Credit Linked Subsidy Scheme (CLSS)
• Affordable Housing in Partnership (AHP)
• Beneficiary-led Individual House Construction or Enhancement (BLC)

Pradhan Mantri Awas Yojana Gramin (PMAY-G)

PMAY-G aims to provide pucca houses to the rural poor in India. Under PMAY-G, the government provides financial assistance to eligible beneficiaries for constructing new houses or upgrading existing houses. The scheme has two components:

• New Construction
• Upgradation of Existing Kutcha Houses

How to Apply for Pradhan Mantri Awas Yojana

You can apply for Pradhan Mantri Awas Yojana both online and offline. Let us discuss the steps for both methods.

Steps to Apply for Pradhan Mantri Awas Yojana Online

Follow these steps to apply for Pradhan Mantri Awas Yojana online:

1. Visit the official website of Pradhan Mantri Awas Yojana at pmaymis.gov.in.

2. Click on the "Citizen Assessment" option on the top menu bar.

3. Select the appropriate category - "For Slum Dwellers" or "Benefit Under Other 3 Components" - based on your eligibility.

4. Fill in the required details, including your personal information, income details, and address.

5. Upload the required documents, including your Aadhaar card, bank account details, and income certificate.

6. Click on the "Save" button to submit your application.

7. Note down your application number for future reference.

Steps to Apply for Pradhan Mantri Awas Yojana Offline

Follow these steps to apply for Pradhan Mantri Awas Yojana offline:

1. Visit the nearest Common Service Center (CSC) or the nodal agency of Pradhan Mantri Awas Yojana in your area.

2. Collect the application form from the center or agency.

3. Fill in the required details, including your personal information, income details, and address.

4. Attach the required documents, including your Aadhaar card, bank account details, and income certificate.

5. Submit the application form to the center or agency.

6. Note down your application number for future reference.

Documents Required for Pradhan Mantri Awas Yojana Application

The following documents are required for applying for Pradhan Mantri Awas Yojana:

• Aadhaar card
• Income certificate
• Bank account details
• Property details, if any

Pradhan Mantri Awas Yojana Subsidy

Under Pradhan Mantri Awas Yojana, the government provides subsidy on home loans to eligible beneficiaries. The subsidy is provided under the Credit Linked Subsidy Scheme (CLSS) component of PMAY-U. The subsidy amount depends on the income category of the beneficiary and can go up to Rs. 2.67 lakhs.

Pradhan Mantri Awas Yojana FAQs

1. Who is eligible for Pradhan Mantri Awas Yojana?

To be eligible for Pradhan Mantri Awas Yojana, you must meet the following criteria:

• You should be an Indian citizen.
• You should not own a pucca house in your name or in the name of any member of your family anywhere in India.
• You or any member of your family should not have availed of any government housing scheme before.

2. How much subsidy can I get under Pradhan Mantri Awas Yojana?

Under the Credit Linked Subsidy Scheme (CLSS) component of PMAY-U, the subsidy amount depends on the income category of the beneficiary:

• Economically Weaker Section (EWS) and Lower Income Group (LIG): Up to 6.5% subsidy on a loan amount of up to Rs. 6 lakhs.
• Middle Income Group (MIG) I: Up to 4% subsidy on a loan amount of up to Rs. 9 lakhs.
• Middle Income Group (MIG) II: Up to 3% subsidy on a loan amount of up to Rs. 12 lakhs.

3. Can I apply for Pradhan Mantri Awas Yojana online?

Yes, you can apply for Pradhan Mantri Awas Yojana online through the official website of PMAY.

4. Can I apply for Pradhan Mantri Awas Yojana offline?

Yes, you can apply for Pradhan Mantri Awas Yojana offline by visiting the nearest Common Service Center (CSC) or the nodal agency of PMAY in your area.

5. What is the validity of the Pradhan Mantri Awas Yojana subsidy?

The subsidy under Pradhan Mantri Awas Yojana is valid for 20 years from the date of disbursement of the loan.

Conclusion

Pradhan Mantri Awas Yojana is a government scheme aimed at providing affordable housing to the poor in India. The scheme has two components - Pradhan Mantri Awas Yojana Urban (PMAY-U) and Pradhan Mantri Awas Yojana Gramin (PMAY-G) - and provides financial assistance to eligible beneficiaries for constructing, purchasing, or renovating their homes. To apply for Pradhan Mantri Awas Yojana, you can follow the steps mentioned above, either online or offline. Make sure to keep all the required documents ready and meet the eligibility criteria before applying.