How to Apply for Pradhan Mantri Awas Yojana?

How to Apply for PMAY Scheme

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.

How to Apply for Pradhan Mantri Awas Yojana?

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 –

  • District name
  • City of residence
  • Applicant’s gender
  • Caste
  • Disabilities, if any
  • Employment status
  • Marital status
  • Religion
  • Mobile number
  • Permanent residential address
  • Information of applicant’s family members
  • Household ownership
  • Details of an applicant’s financial institution
  • Savings account information 

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 –

  • Identity proof (Aadhaar, PAN card, voter ID, driving license, etc.)
  • Address proof (Aadhaar, voter ID, driving license, utility bills, etc.)
  • Concerned property’s valuation certificate
  • All property-related documents
  • Construction plan of the home, approved by proper authorities
  • Allotment letter
  • Applicant’s income proof (salary slips, account statements, etc.)
  • Certification of belonging to a particular group (Economically weaker section, minority groups, etc.) 

Before learning more about how to apply for Pradhan Mantri Awas Yojana, know exactly what this housing scheme benefits entail.

What is the Pradhan Mantri Awas Yojana & PMAY List?

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 –

  • Credit-linked subsidy scheme – This aspect of PMAY looks to offer interest subsidy on home loan, which can amount to 6.5%. However, to avail home loans at subsidised rates, applicants must choose from a list of financial institutions participating under PMAY.
  • In-situ redevelopment – Through this particular component, the government looks to redevelop slum dwelling in urban areas, enabling dwellers to relocate to proper pucca houses. Rs.1 lakh is available to beneficiaries under this feature for home improvement.
  • Association with state government and developers – The Centre relies on the assistance of state governments, alongside realty developers, to construct affordable housing for all beneficiaries. Nevertheless, this is primarily focused to aid applicants belonging to the economically weaker sections.
  • Construction of houses – Any beneficiary exempt from the purview of the above-mentioned features, will receive Rs.1.5 lakh to rebuild their existing house or construct a new property altogether. 

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.

What Are the Eligibility Criteria for PMAY?

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.

  • Economically Weaker Section or EWS
  • Low Income Group or LIG
  • Middle Income Group I or MIG-I
  • Middle Income Group II or MIG-II

To acquire a better idea regarding the benefits available to these groups, along with the income requirements, peruse the data in the following table.

Particulars EWS LIG MIG-I MIG-II
Household income (rupees per annum) 0-3,00,000 3,00,001-6,00,000 6,00,001-12,00,000 12,00,001-18,00,000
Eligible housing loan amount for interest subsidy (in rupees) Up to 6,00,000 Up to 6,00,000 Up to 9,00,000 Up to 12,00,000
Interest subsidy (% per annum) 6.50% 6.50% 4.00% 3.00%
Maximum loan tenor (in years) 20 20 20 20
Maximum carpet area of the dwelling unit 30 sq. m. 60 sq. m. 160 sq. m. 200 sq. m.
Discount rate for net present value (NPV) calculation of interest subsidy (%) 9.00% 9.00% 9.00% 9.00%
Maximum interest subsidy amount (in rupees) 2,67,280 2,67,280 2,35,068 2,30,156
Application of scheme on existing home loans sanctioned on or after 17.06.2015 17.06.2015 01.01.2017 01.01.2017
Applicability of no pucca house Not for renovation/upgradation Not for renovation/upgradation Yes Yes
Ownership/co-ownership of a woman Mandatory for new acquisition, Not mandatory for existing property Mandatory for new acquisition, Not mandatory for existing property Not mandatory Not mandatory
Quality of house/flat construction National Building Code, BIS Codes, NDMA Guidelines to be adopted National Building Code, BIS Codes, NDMA Guidelines to be adopted National Building Code, BIS Codes, NDMA Guidelines to be adopted National Building Code, BIS Codes, NDMA Guidelines to be adopted
Approvals for building design Compulsory Compulsory Compulsory Compulsory
Basic civic infrastructure (water, sanitation, sewage, road, electricity etc.) Compulsory Compulsory Compulsory Compulsory

 

Besides these, ensure to follow these guidelines as well before filling up a Pradhan Mantri Awas Yojana application form.

  • Applicants or family members should not own a pucca house in any part of India.
  • Applicants must not have availed benefits from other subsidy schemes for housing anywhere in the country.
  • In households with female family members, the property availed must be co-owned by both female and male members or female members solely.
  • The property concerned should be situated in one of the statutory towns, identified as of Census 2011.

 

How Can One Apply for a House under PMAY Scheme?

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 –

  • Fill up a two-page application form online or offline. On its first page, enter the Aadhaar credentials and proceed to the next page.
  • On its next page, enter personal details, such as name, residence, details regarding family and much more.
  • Attach the necessary documents with this filled-in form.
  • Choose the appropriate option from between ‘Under Other 3 Components’ and ‘Slum Dwellers.’

How to apply for Pradhan Mantri Awas Yojana: Online

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.

 

How to apply for Pradhan Mantri Awas Yojana: Offline

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.

​How Can Slum Dwellers Apply for PMAY?

Slum-dwellers can benefit significantly from the Pradhan Mantri Awas Yojana scheme as well. Here is the process for the same –

  • Step 1: Log in to the official PMAY portal online.
  • Step 2: Under ‘Citizen Assessment’, choose ‘For Slum Dwellers’ option.
  • Step 3: Next, provide the Aadhaar number.
  • Step 4: Fill up an online form with personal details.
  • Step 5: Verify using a Captcha code and submit this application form.

How to Apply for Pradhan Mantri Awas Yojana Benefits under Other 3 Components Category?

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.