PM Awas Yojana (PMAY) (2022) Apply, Eligibility, Application Status

Pradhan Mantri Awas Yojana (PMAY) is a housing scheme launched by the Government of India in June 2015, with the goal of providing affordable housing to all citizens of India by the year 2022. The scheme aims to provide financial assistance to eligible beneficiaries for the construction or upgrade of their houses.

PMAY has several components, including:

1. Pradhan Mantri Awas Yojana – Urban (PMAY-U): This component targets the urban poor and aims to provide affordable housing in the cities and towns of India.
2. Pradhan Mantri Awas Yojana – Gramin (PMAY-G): This component targets the rural poor and aims to provide affordable housing in the villages of India.
3. Credit Linked Subsidy Scheme (CLSS): This component provides interest subsidy on home loans taken by eligible beneficiaries for the construction or upgrade of their houses.

Eligibility for PMAY is based on various factors, including the income of the applicant, the size of the family, and the availability of a pucca (permanent) house. The scheme is implemented through the Ministry of Housing and Urban Affairs and is implemented by various state and local authorities.

To be eligible for PMAY, applicants must meet certain criteria:

• The applicant must be a citizen of India.
• The applicant must not own a pucca house in any part of India.
• The applicant’s family must meet certain income criteria. For example, for the PMAY-U component, the annual income of the family must be less than Rs. 18 lakh for the EWS (Economically Weaker Section) category and less than Rs. 12 lakh for the LIG (Lower Income Group) category.
• The applicant must not have availed of any other housing subsidy or benefit under any other government housing scheme.

PMAY provides financial assistance in the form of a subsidy on home loans taken by eligible beneficiaries for the construction or upgrade of their houses. The amount of subsidy varies based on the income category of the beneficiary and the type of house being constructed or upgraded.

PMAY also provides in-situ rehabilitation assistance to eligible slum dwellers for upgrading their existing slum dwellings into pucca houses.

The scheme is implemented through a combination of central and state government funding, with the central government providing the majority of the funding. The scheme is implemented through various state and local authorities, including urban local bodies and housing agencies.

PM Awas Yojana Benefits

Pradhan Mantri Awas Yojana (PMAY) is a housing scheme launched by the Government of India with the goal of providing affordable housing to all citizens of India by the year 2022. The scheme aims to provide financial assistance to eligible beneficiaries for the construction or upgrade of their houses. Some of the benefits of PMAY include:

• Affordable housing: PMAY provides financial assistance in the form of a subsidy on home loans taken by eligible beneficiaries for the construction or upgrade of their houses. This can help make housing more affordable for low- and middle-income families.
• Improved living conditions: PMAY helps beneficiaries construct or upgrade their houses to pucca (permanent) structures, which can improve living conditions and provide better protection against natural disasters.
• Credit-linked subsidy: The Credit Linked Subsidy Scheme (CLSS) component of PMAY provides interest subsidy on home loans taken by eligible beneficiaries for the construction or upgrade of their houses. This can help reduce the overall cost of the loan and make it easier for beneficiaries to afford a home.
• In-situ rehabilitation: PMAY also provides in-situ rehabilitation assistance to eligible slum dwellers for upgrading their existing slum dwellings into pucca houses. This can help improve the living conditions of slum dwellers and provide them with permanent housing.

how to apply PMAY

There are several steps you can follow to apply for Pradhan Mantri Awas Yojana (PMAY):

1. Check your eligibility: To apply for PMAY, you must meet certain eligibility criteria, such as being a citizen of India and not owning a pucca house in any part of the country. You must also meet certain income criteria, depending on the component of PMAY you are applying for.
2. Gather the necessary documents: To apply for PMAY, you will need to provide certain documents, such as proof of identity, proof of income, and proof of ownership of the land on which you plan to construct or upgrade your house.
3. Submit an application: You can submit an application for PMAY through the official website of the Ministry of Housing and Urban Affairs (https://pmaymis.gov.in/). Alternatively, you can also apply through the website of the state or local authority responsible for implementing PMAY in your area.
4. Await the decision: Once your application is received, it will be reviewed by the relevant authorities to determine your eligibility for the scheme. If your application is approved, you will receive a sanction letter indicating the amount of subsidy you are eligible for.
5. Take a home loan: If you are eligible for PMAY, you can apply for a home loan from a bank or financial institution to finance the construction or upgrade of your house.
6. Avail the subsidy: Once your home loan is approved, you can avail the subsidy by submitting the sanction letter and other required documents to the bank or financial institution. The subsidy will be credited to your loan account, reducing the overall cost of the loan.

Need Documents for PMAY

To apply for Pradhan Mantri Awas Yojana (PMAY), you will need to provide certain documents as proof of your identity, income, and ownership of the land on which you plan to construct or upgrade your house. The specific documents required may vary depending on the component of PMAY you are applying for and the state or local authority responsible for implementing the scheme. Some of the documents that may be required include:

• Proof of identity: This could include a copy of your PAN card, Aadhaar card, driving license, passport, or voter ID card.
• Proof of income: This could include salary slips, bank statements, or income tax returns.
• Proof of ownership of land: This could include a copy of the registered sale deed or title deed for the land on which you plan to construct or upgrade your house.
• Proof of legal possession of land: This could include a copy of the possession certificate or other documents demonstrating your legal possession of the land.
• Proof of occupancy of land: This could include a copy of the electricity bill, water bill, or other utility bills in your name for the land on which you plan to construct or upgrade your house.
• No objection certificate (NOC): If you are applying for PMAY-U and the land on which you plan to construct or upgrade your house is located in a notified urban area, you may need to obtain an NOC from the concerned urban local body.

In addition to these documents, you may also need to provide other documents as required by the state or local authority responsible for implementing PMAY in your area. It is recommended that you check the specific requirements and documents needed with the relevant authority before submitting your application.

how to apply for PMAY online

To apply for Pradhan Mantri Awas Yojana (PMAY) online, you can follow these steps:

1. Go to the official website of the Ministry of Housing and Urban Affairs (https://pmaymis.gov.in/).
2. Click on the “Citizen Assessment” tab in the top menu.
3. Click on the “New User? Register Here” button.
4. Enter your personal details, such as your name, address, mobile number, and email address.
5. Create a username and password and click on the “Submit” button.
6. You will receive an OTP (one-time password) on your mobile number. Enter the OTP in the required field and click on the “Verify OTP” button.
7. Once your OTP is verified, you will be redirected to the login page. Enter your username and password and click on the “Sign In” button.
8. You will now be able to access the online application form for PMAY. Fill out the form with the required information and upload the necessary documents.
9. Review the information you have provided and click on the “Submit” button to submit your application.
10. You will receive a reference number for your application. Save this number for future reference.

How to apply for PMAY offline

To apply for Pradhan Mantri Awas Yojana (PMAY) offline, you can follow these steps:

1. Check your eligibility: To apply for PMAY, you must meet certain eligibility criteria, such as being a citizen of India and not owning a pucca house in any part of the country. You must also meet certain income criteria, depending on the component of PMAY you are applying for.
2. Gather the necessary documents: To apply for PMAY, you will need to provide certain documents as proof of your identity, income, and ownership of the land on which you plan to construct or upgrade your house. Some of the documents that may be required include a copy of your PAN card, Aadhaar card, driving license, passport, or voter ID card; salary slips, bank statements, or income tax returns; and a copy of the registered sale deed or title deed for the land on which you plan to construct or upgrade your house.
3. Find the relevant authority: PMAY is implemented through various state and local authorities, such as urban local bodies and housing agencies. Contact the relevant authority in your area to find out how to apply for PMAY offline.
4. Obtain an application form: You will need to obtain an application form from the relevant authority in order to apply for PMAY offline. The form may be available on the authority’s website or you may need to visit their office in person to obtain it.
5. Fill out the application form: Fill out the application form with the required information and attach the necessary documents.
6. Submit the application: Submit the completed application form and attached documents to the relevant authority. You may be able to do this in person or through the mail.
7. Await the decision: Once your application is received, it will be reviewed by the relevant authorities to determine your eligibility for the scheme. If your application is approved, you will receive a sanction letter indicating the amount of subsidy you are eligible for.

how to check PMAY Application status

To check the status of your Pradhan Mantri Awas Yojana (PMAY) application, you can follow these steps:

1. Go to the official website of the Ministry of Housing and Urban Affairs (https://pmaymis.gov.in/).
2. Click on the “Citizen Assessment” tab in the top menu.
3. Click on the “Already Registered? Sign In” button.
4. Enter your username and password and click on the “Sign In” button.
5. Click on the “Track Your Application Status” link in the menu on the left side of the page.
6. Select the component of PMAY you applied for (PMAY-U or PMAY-G) and enter your application number.
7. Click on the “Track Status” button.
8. The status of your application will be displayed on the screen.

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