The Pradhan Mantri Awas Yojana (PMAY) aims to provide affordable housing for the urban and rural poor in India. Here’s a quick and informative guide to help you understand the scheme and how to apply.
What is Pradhan Mantri Awas Yojana (PMAY)?
Launched by the Government of India in 2015, PMAY aims to provide ‘Housing for All’ by 2022.
The scheme has two components:
PMAY-U (Urban): Targets the urban population.
PMAY-G (Gramin/Rural): Targets the rural population.
Key Features of PMAY
- Home Loan Subsidy: Interest subsidy under Credit Linked Subsidy Scheme (CLSS).
- Affordable housing: Emphasis on the construction of affordable housing units.
- Beneficiary Category: Economically Weaker Section (EWS), Lower Income Group (LIG), Middle Income Group (MIG-I and MIG-II).
Eligibility Criteria for PMAY
PMAY-U:
EWS/LIG: Annual household income up to ₹ 3 lakh for EWS and ₹ 6 lakh for LIG.
MIG-I: Annual household income between ₹ 6 lakhs and ₹ 12 lakhs.
MIG-II: Annual household income between ₹ 12 lakhs and ₹ 18 lakhs.
Neither the applicant nor any family member should own a pucca house in India.
PMAY-G:
Beneficiaries identified on the basis of Socio-Economic and Caste Census (SECC) 2011.
Applicant should not own a pucca house.
Steps to Apply for PMAY Online
Step 1: Visit PMAY official website
For Urban: PMAY-U
For Rural: PMAY-G
Step 2: Registration
Select the appropriate category (for urban: ‘Citizen Assessment’ or for rural: ‘Stakeholders’).
Enter your Aadhaar number to proceed with registration.
Step 3: Complete the application form
Enter personal information, income information and other required information.
Upload the necessary documents (ID, proof of address, proof of income, etc.).
Step 4: Submit your request
Verify the details and submit your request.
Note the application reference number for tracking purposes.
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Tracking of your PMAY application
Step 1: Visit PMAY official website
Monitoring of PMAY-U
Tracking of PMAY-G
Step 2: Enter details
Enter the application reference number or Aadhaar number.
Check the status of your application.
Subsidies and financial assistance
Credit Linked Subsidy Scheme (CLSS):
EWS/LIG: Subsidy of up to 6.5% on home loans up to ₹6000.
MIG-I: Subsidy of up to 4% on home loans up to ₹9000.
MIG-II: Subsidy of up to 3% on home loans up to ₹12 lakh.
Financial Assistance for PMAY-G:
Financial assistance of ₹ 1.2 crore in plain areas and ₹ 1.3 crore in hilly states, difficult areas and IAP districts.
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Benefits of PMAY
- Available housing: It provides affordable housing options for economically weaker sections.
- Interest subsidy: It reduces the burden of interest rates on housing loans through subsidies.
- Inclusive development: It promotes inclusive development by providing housing to all sections of society.
Tips for good practice
Accurate information:
Make sure all details are accurate and up to date.
Please double check your information before submitting your application.
Document readiness:
Have digital copies of necessary documents ready for quick submission.
Make sure documents are clear and legible.
Use the online help:
For any query please visit the FAQ section of the PMAY website.
Contact customer support if necessary.
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Common mistakes to avoid
Incorrect details:
Make sure your details match exactly in all submitted documents to avoid rejection.
Discrepancies may result in your application being delayed or rejected.
Incomplete documentation:
Make sure all required documents are uploaded correctly.
Incomplete documentation may cause delays in processing.
Delayed Updates:
Update any changes to your personal information immediately to ensure your application is accurate.
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Services offered by PMAY Portal
New application:
Easy online application process under PMAY.
Application status:
A facility to track your PMAY application status online.
Support and FAQ:
Access to customer support and FAQs for help.
The importance of accurate submission
- Accurate submission will ensure smooth processing and timely approval of your application.
- Regularly updating your details prevents inconsistencies and ensures a seamless experience.
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PMAY Mobile App
For added convenience, the Government of India offers a mobile application that allows you to:
- Apply for PMAY: Easily apply for PMAY on the go.
- Tracking Status: Check the status of your app anytime.
- Update details: Update your personal details directly from the app.
- Access to support: Get help through FAQs and customer support.
Conclusion
Using PMAY online portal is simple and user friendly. By following these steps and tips, you can ensure a hassle-free experience using and managing your PMAY application. Good luck with your application!
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Frequently asked questions
Q: How long does it take to process a PMAY application?
A: It usually takes several weeks to process and approve the application.
Q: What documents are required for a PMAY application?
A: You will need proof of identity, address, income and Aadhaar number. PMAY application portal provides a complete list.
Q: Can I track the status of my PMAY application online?
A: Yes, you can track the status using the application reference number on the PMAY website or mobile application.
Q: How can I get financial assistance under PMAY-G?
A: Eligible beneficiaries under PMAY-G receive financial assistance directly into their bank accounts.
Q: Is there a helpline number for PMAY queries?
A: Yes, you can contact PMAY Help Desk at 1800-11-3377 or 1800-11-3388 for any assistance.
