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With a mission of ‘Housing for All’, the PM Awas Yojana targets to build pucca (permanent) houses equipped with basic amenities for eligible beneficiaries by 2025.
The Pradhan Mantri Awas Yojana (PMAY) is one of the flagship housing schemes launched by the Government of India in 2015, aimed at providing affordable housing to the urban and rural poor.
The Pradhan Mantri Awas Yojana (PMAY), one of the flagship housing schemes launched by the central government in 2015, is aimed at providing affordable housing to the urban and rural poor. With a mission of ‘Housing for All’, the scheme targets to build pucca (permanent) houses equipped with basic amenities for eligible beneficiaries by 2025.
Here’s a detailed look at its key features, eligibility criteria, application process, and how to check the allotment status.
Key Features of PM Awas Yojana
- Two Components:
- PMAY-Urban (PMAY-U): For urban areas.
- PMAY-Gramin (PMAY-G): For rural areas.
- Interest Subsidy:
- Beneficiaries can avail interest subsidy of up to 6.5% on home loans under the Credit Linked Subsidy Scheme (CLSS) for a loan tenure of up to 20 years.
- Subsidy Based on Income Group:
- EWS (Economically Weaker Section): Annual income up to Rs 3 lakh.
- LIG (Low Income Group): Rs 3 lakh – Rs 6 lakh.
- MIG-I (Middle Income Group I): Rs 6 lakh – Rs 12 lakh.
- MIG-II (Middle Income Group II): Rs 12 lakh – Rs 18 lakh.
- Subsidy Amount:
- Up to Rs 2.67 lakh for eligible families under CLSS.
- Ownership Priority:
- Preference is given to women ownership or joint ownership with women.
- Priority to senior citizens, differently-abled, SC/ST and minorities in allotment.
- Construction Features:
- Houses built under PMAY come with basic amenities like sanitation, water supply, electricity, and a kitchen.
Eligibility Criteria
To be eligible for PMAY, applicants must meet the following conditions:
- Must be a first-time homeowner (no pucca house in any part of India).
- Must belong to EWS, LIG, or MIG category.
- Family must consist of husband, wife, and unmarried children.
- Applicant or family should not have availed benefits from any other housing scheme.
- For PMAY-U, the beneficiary must be residing in an urban area or be part of the urban poor.
- For PMAY-G, the applicant must belong to rural areas and be homeless or living in dilapidated houses.
How to Apply for PM Awas Yojana Online (PMAY-U):
- Visit the official website: https://pmaymis.gov.in
- Click on “Citizen Assessment” under the menu.
- Fill in Aadhaar number and personal details.
- Submit the form and save the application/reference number for future use.
Offline Application:
- Visit the nearest Common Service Centre (CSC) or municipal office.
- Fill in the required form and attach necessary documents like Aadhaar card, income certificate, address proof, etc.
- Submit the form along with a nominal fee (around Rs 25).
PMAY-G Application:
For rural applicants, application and beneficiary selection are typically conducted through Gram Sabhas based on Socio-Economic and Caste Census (SECC) data.
How to Check PMAY Allotment Status
- To check the status of your PMAY application:
- Go to the official portal: https://pmaymis.gov.in
- Click on “Track Your Assessment Status” under Citizen Assessment.
- Enter your Assessment ID and Mobile Number or use name and other personal details.
- The status of your application or allotment will be displayed.
For PMAY-G, visit https://pmayg.nic.in and use the ‘Stakeholders’ → ‘IAY/PMAYG Beneficiary’ section to search using registration number.
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