The Pradhan Mantri Awas Yojana (PMAY) is a significant initiative by the Government of India, launched in 2015, to provide affordable housing to the country’s economically weaker sections and lower-income groups.
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Pradhan Mantri Awas Yojana Notification Out
Launched on June 25, 2015, the Pradhan Mantri Awas Yojana (Urban) Mission is a significant initiative that provides central aid to implementing agencies through States, Union Territories (UTs), and Central Nodal Agencies (CNAs). The mission’s primary objective is to furnish housing to all qualifying families and beneficiaries, catering to a validated demand for approximately 1.12 crore houses.
The PMAY scheme is bifurcated into two components: PMAY-U, which is designed for urban areas, and PMAY-G or PMAY-R, intended for rural regions. PMAY-U addresses the housing necessities of the urban underprivileged, while PMAY-G/R is tailored to meet the housing needs of the rural poor.
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Key Features of PMAY
In the PMAY-U scheme, houses built for the Economically Weaker Section (EWS) are capped at a maximum carpet area of 30 sq. m. However, states and union territories can expand this size, provided they consult with and obtain approval from the Ministry of Housing and Urban Affairs.
One distinctive feature of PMAY-U is its commitment to women’s empowerment, particularly in the EWS and LIG categories. In a departure from earlier housing schemes, PMAY-U stipulates that the house must be in the name of the female head of the beneficiary family, either as the sole owner or a co-owner.
Eligibility Criteria for PMAY
To be eligible for the PMAY scheme, the following criteria must be met:
- The family benefiting from the scheme should not possess a pucca house (a dwelling unit suitable for all weather conditions) in the name of any family member, anywhere in India.
- The beneficiary family should not have received any central assistance under any housing scheme from the Government of India or the State Government.
- The beneficiary family should not have benefited from any subsidy under the PMAY-Credit-Linked Subsidy Scheme (CLSS) from any of the primary lending institutions (PLIs).
The scheme is further divided into different income categories, each with specific eligibility criteria and benefits:
Income Category |
Annual Income |
House Size |
|---|---|---|
Economically Weaker Section (EWS) |
Up to ₹3 lakh |
Up to 30 sq. m. |
Lower Income Group (LIG) |
Between ₹3 lakh and ₹6 lakh |
Up to 60 sq. m. |
Middle Income Group I (MIG I) |
Between ₹6 lakh and ₹12 lakh |
Up to 160 sq. m. |
Middle Income Group II (MIG II) |
Between ₹12 lakh and ₹18 lakh |
Up to 200 sq. m. |
Documents Required for PMAY
The following documents are required to apply for the PMAY scheme:
For Salaried Applicants:
- Identity proof: Aadhaar card, PAN card, voter ID, passport, driving license, etc.
- Address proof: voter ID, passport, utility bills, etc.
- Income proof: Last 6 months’ bank statements, salary slips, Form 16, ITR, etc.
- Property-related documents: allotment letter, property agreement, possession letter, etc.
- Proof of category (if applicable): SC/ST/OBC/Minority certificate
- Consent form for Aadhaar-linked bank account for Direct Benefit Transfer (DBT)
For self-employed applicants:
- Identity proof: Aadhaar card, PAN card, passport, driving license, etc.
- Address proof: Aadhaar card, voter card, bank statements, LIC/life insurance policy, passport, etc.
- Income proof: firm/factory establishment certificate, trade license, SEBI certificate, SSI registration, PAN card, VAT registration, sales tax and deed receipt, factory registration certificate, partnership deed, etc.
- Property-related documents: allotment letter, complete property chain, payment receipt, sale agreement, etc.
- Proof of category (if applicable): SC/ST/OBC/Minority certificate
- Consent form for Aadhaar-linked bank account for Direct Benefit Transfer (DBT)
Application Process for PMAY
The application process for the PMAY scheme varies slightly between the urban and rural categories, but the general steps are as follows:
- Identify your eligibility category (EWS, LIG, MIG I, or MIG II).
- Visit the official PMAY website (pmaymis.gov.in) and click on the “Citizen Assessment” option.
- Select the appropriate category and enter your Aadhaar details.
- Fill out the online application form and submit it along with the required documents.
- Track the status of your application on the PMAY website.
Once the application is approved, the beneficiary can take advantage of the PMAY scheme’s benefits, including a subsidy on home loans, assistance for constructing or enhancing their house, and access to affordable housing units.
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