Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana (PMAY) scheme offers a large number of families across the country an opportunity to purchase a house at a low cost. This is done through interest subsidies. PMAY scheme is for both urban and rural areas in India. If you live in a rural area, apply for PMAY (Gramin), else apply for PMAY (Urban).

PMAY-Gramin aims at providing a pucca house, with basic amenities to all houseless households and those households living in kutcha and dilapidated houses, by 2022.

Pradhan Mantri Awas Yojana - Housing For All (Urban) (PMAY - Urban) is a Central Government scheme to provide Housing for All in urban areas by 2022. 

Features of Pradhan Mantri Awas Yojana

• Interest subsidies on housing loans will be provided for 15 years to the beneficiaries.

• Older and Differently abled persons will be given preference in the allotment of ground floors under the Pradhan Mantri Awas Yojana scheme.

• Eco friendly and sustainable technologies will be used during the construction process.

Benefits of Pradhan Mantri Awas Yojana

• The beneficiary families of the Pradhan Mantri Awas Yojana receive credit or interest subsidies on their home loans.

• The amount of interest subsidy is based on the income category to which the family belongs.

Eligibility Criteria - PMAY Gramin

One of the most important features of  Pradhan Mantri Awas Yojana - Gramin (PMAY-G) is the selection of beneficiaries. To ensure that assistance is targeted at those who are genuinely deprived and that the selection is objective and verifiable, PMAY-G selects beneficiaries using housing deprivation parameters in the Socio-Economic and Caste Census (SECC), 2011 data which is to be verified by the Gram Sabhas.

The SECC data capture specific deprivation related to housing among households. Using the data households that are houseless and living in 0,1 and 2 kutcha wall and kutcha roof houses can be segregated and targeted. The Permanent Wait List so generated also ensures that the states have the ready list of the household to be covered under the scheme in the coming years (through Annual Select Lists) leading to better planning of implementation. To address grievances in beneficiary selection an appellate process has also been put in place.

Eligibility Criteria - PMAY Urban

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 of more than Rs. 3.00 lakh and up to Rs. 6.00 lakh

• Middle Income Group I (MIG I) households/individuals with an annual income of 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 of more than Rs12.00 lakh to INR 18.00 lakh

Documents Required for Pradhan Mantri Awas Yojana

To avail Pradhan Mantri Awas Yojana subsidy scheme, you need the following documents:

• Declaration Form (Stamp duty to be the same as Affidavit, as per State Laws)

• Permanent Account Number (PAN). If PAN is not assigned, Form 60 is required.

• Aadhaar Number all the applicants in the Beneficiary family (For MIG I & MIG II category)

• Income proof of the applicant [Applicable Income Proof documents - ITR or Form 16 (1 year)/ Salary Slip (Gross Monthly Salary*12)].

• PMAY Addendum (Stamp duty to be the same as Top-up addendum, as per State Laws)

• End-Use Undertaking Certificate

Search Beneficiary By Registration Number - PMAY Gramin

If you have a registration number with you, follow the below steps to check if your name is there on PMAY- Gramin website.

• Visit PMAY website

• Click on "Stakeholders". Click on "IAY/PMAYG Beneficiary"

• Then, enter your Registration Number and click on ‘Submit’

• If the entered registration number is present in the beneficiary database, your details will show up.
  

Search Beneficiary Without Registration Number - PMAY Gramin

If you don't have a registration number with you, follow the below steps to check if your name is there on PMAY- Gramin website.

• Visit PMAY website

• Click on "Stakeholders". Click on "IAY/PMAYG Beneficiary"

• Click on "Advanced Search"

• Enter details such as your name, BPL number etc. to check whether your name is there in the list.

• Click on ‘Advanced Search

• Your details should appear on the screen if your name is on the beneficiary list.

Search Beneficiary by Aadhar Number- PMAY Urban

Follow the below steps to search the name of the beneficiary in the PMAY Urban list

• Visit PMAY- Urban website

• Click on ‘Select Beneficiary’ and select ‘Search Beneficiary’ from the drop-down menu

• Enter Aadhaar Number. Click on "Show".

• If your name is there on the list, your details would be displayed

Search Beneficiary without Aadhar Number - PMAY Urban

• Visit PMAY- Urban website

• Click on ‘Citizen Assessment'.

• Click on 'Track Your Assessment Status'.

• You can track the assessment form either by providing an assessment ID or by providing the applicant's details.

• A list of beneficiaries matching your query will be presented on the page along with details such as the father’s name, state, etc. You can search for your name here.