Pradhan Mantri Awas Yojana is a housing scheme that looks to provide ‘affordable housing for all’ by 2022. It includes separate provisions for urban and rural residents, enabling potential homeowners to construct and own homes at affordable rates. The two divisions of this scheme are the Pradhan Mantri Awas Yojana Urban or PMAY (U) and the Pradhan Mantri Awas Yojana Gramin or PMAY (G).
Apart from knowing the various facets of this housing scheme, beneficiaries must learn about Pradhan Mantri Awas Yojana Gramin online apply process, as well as the application formalities for PMAY (U). Prospective homeowners also need to assess the intricacies of this central government housing scheme to ensure optimal benefits.
Individuals can opt for PMAY online apply process to save time. Offline application is also possible, although it would require visiting the chosen lending institution. Regardless of the way one chooses, he/she would need to fill up an application form. This form would include the following fields –
Part of knowing how to apply for PMAY is to learn about its documentation process. Whether completing this application online or offline, the following documents must be submitted alongside the filled-up application form –
Before learning more about how to apply for Pradhan Mantri Awas Yojana, know exactly what this housing scheme benefits entail.
Pradhan Mantri Awas Yojana is a credit-linked subsidy scheme primarily concerned with providing affordable housing to individuals who do not own property. As such, only applicants whose family members do not own a home are eligible for application.
The PMAY scheme comprises four distinct components, namely –
Applicants can look forward to one or more of the advantages mentioned above, regardless of whether they opt for Urban or Gramin PM Awas Yojana online. Still, applying for this scheme does not guarantee benefits. Individuals would need to wait for an official list of accepted applicants to be released following their PMAY application process.
The government releases this PMAY list each year, revealing the names of beneficiaries under this scheme who applied in the previous year. For instance, if an applicant completed this process in 2019, he/she would need to await the list released in 2020 to confirm whether the application was sanctioned.
Eligibility is restricted to individuals fulfilling certain financial criteria. Before Pradhan Mantri Awas Yojana online apply, one must check to see whether he/she meets these necessities. you can use PMAY Eligibility calculator to know your PMAY eligibility. Firstly, the scheme’s benefits are available to applicants belonging to the following four economic groups.
To acquire a better idea regarding the benefits available to these groups, along with the income requirements, peruse the data in the following table.
Besides these, ensure to follow these guidelines as well before filling up a Pradhan Mantri Awas Yojana application form.
Before proceeding with Pradhan Mantri Awas Yojana Gramin apply online process, assess the application process in detail. Here are the two distinct steps to do the same –
If one is looking to apply for Pradhan Mantri Awas Yojana online, he/she would need to complete the following steps –
Step 1: Visit the official PMAY website at pmaymis.gov.in.
Step 2: After logging in to this site, navigate to ‘Citizen Assessment’ and click on the appropriate option.
Step 3: Enter your Aadhaar number and click on ‘check’.
Step 4: Fill up a PMAY application form.
Step 5: Complete captcha verification and submit this application.
Those interested in applying through an offline process should head to one of the Common Service Centres or CSC operated by state governments. Next, they would need to fill up a form and submit it, along with a Rs.25 fee (excluding GST) to the proper authorities.
Slum-dwellers can benefit significantly from the Pradhan Mantri Awas Yojana scheme as well. Here is the process for the same –
To apply for Pradhan Mantri Awas Yojana benefits under the ‘Other 3 Components’ category, login to the PMAY portal. After that, choose the ‘Other 3 Components’ option under ‘Citizen Assessment’, fill up the resulting application form and submit it.
Regardless of whether one chooses Pradhan Mantri Awas Yojana Gramin online apply or an offline procedure, learning the exact steps for the same is crucial. It should enable potential homeowners to acquire PMAY benefits easily, without hassle.
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