Answered on March 29,2019
A beneficiary family not owning a house in any part of India is eligible for this subsidy subject to income criteria as defined for the family. The beneficiary family will comprise husband, wife and unmarried children. (An adult earning member irrespective of marital status can be treated as a separate household)
The income norms for various Household categories are defined as under:
• Economically Weaker Section (EWS) households/individuals with an annual income up to Rs. 3.00 lakh
• Low Income Group (LIG) households/individuals with an annual income more than Rs. 3.00 lakh and up to Rs. 6.00 lak
• Middle Income Group I (MIG I) households/individuals with an annual income more than Rs.6.00 lakh and up to Rs.12.00 lakh
• Middle Income Group II (MIG II) households/individuals with an annual income more than Rs12.00 lakh to INR 18.00 lakh
Answered on March 30,2019
According to the specifications of the Pradhan Mantri Awas Yojana scheme, only families without a pucca house are eligible to apply for the benefits of Pradhan Mantri Awas Yojana. Neither the applicant nor any of the family members should own a pucca house in any part of India to be eligible to avail the PMAY benefits.
Additionally, the PMAY scheme considers a beneficiary family to comprise of a husband, wife, unmarried sons and/or unmarried daughters. The property for the PMAY housing loan must be located in statutory towns as per the 2011 census.
The funds from the scheme can be used by beneficiary families for either acquiring or purchasing a new house or to upgrade an existing kuccha or semi-pucca house.