Pradhan Mantri Awas Yojana (PMAY) Housing Scheme Apply Online at pmaymis.gov.in

Pradhan Mantri Awas Yojana (PMAY) Housing Scheme Apply Online at pmaymis.gov.in

Pradhan mantri Awas Yojana is a housing scheme launched by the Indian Government on 25th June 2015 whose main objective is to provide housing for all people in areas by the year 2022. This scheme is for the benefit of economically weaker sections, lower-income group urban and rural people. It aims to construct 20 million houses by the end of the financial year 2021-22.
This scheme has two major components.

1. Pradhan Mantri Awas Yojana Urban (PMAY-U.)
2. Pradhan Mantri Awas Yojana Gramin (PMAY-G.)

Under PMAY-G, the primary objective remains to construct brick and mortar houses for homeless individuals and those living under poor living conditions. On the other hand, PMAY-U’s objective is to provide affordable housing to those belonging to the economically weaker section, which it aims to achieve by following the action points given below:-

1. Rehabilitating slum dwellers, with private funding support
2. Offering credit linked subsidy schemes to encourage individuals to avail of affordable housing.
3. Construction and enhancement of affordable residential properties for eligible individuals.
4. Provision of affordable housing through a joint venture between the public and private sectors.

Pradhan Mantri Awas Yojana (PMAY) Housing Scheme Apply Online at pmaymis.gov.in

Beneficiaries of Pradhan Mantri Awas Yojana Scheme:

Households led by women who have no males within the 16–59 age group
Families with no literate persons above the age of 25
Families with no adult member between the 16-59 ages
Households who have no able-bodied people over the age of 18 with a family member with disabilities
Landless households, whose primary source of income is casual labour

Four Components of PMAY Scheme

1. In-Situ Redevelopment: The government aims to redevelop land under current slum dwellings, providing urban slum dwellers with better constructed homes that have proper sanitation facilities. A grant of Rs.1 lakh is also available to those who are eligible to improve their homes.
2. Credit Linked Subsidy Scheme (CLSS): Here, the government provides an interest subsidy of up to 6.50% on home loans offered via multiple banks and financial institutions, reducing the interest outgo and overall cost of the loan for first-time homeowners.
3. Affordable Housing in partnership: State governments in partnership with public or private developers will construct affordable housing for all beneficiaries, but with the focus on economically weaker sections of the society.
4. Enhancement and construction of beneficiary-led houses: Eligible candidates that are exempt from the above-mentioned components will be granted a financial assistance of Rs.1.5 lakh from the central government to either rebuilt their existing house or construct a new one.

To avail of these benefits, you have to apply for the PMAY scheme. On making a successful application, you will be allotted a unique application number, which you can use to check if your name is mentioned in the Pradhan Mantri Awas Yojana list. The PMAY list contains the names of eligible candidates whose application have been accepted.

Steps to apply online

Identify the category under which you qualify for PMAY.
Then visit the official website: http://pmaymis.gov.in.
Click on ‘Citizen Assessment’ under the main menu and select the applicant category.
You will be redirected to a different page where you must enter your Aadhaar details.
Fill out the online PMAY application with your personal, income, and bank account details, and current residential address.
Enter the captcha code, verify the details for accuracy, and submit it.
You can track the application status later on by clicking on 'Track your Assessment Status' under 'Citizen Assessment'.

DocumentsRequired:

It is better if you keep these documents handy while applying for the scheme online or offline.

1. Proof of identity (Aadhaar card, PAN card, voters’ ID)
2. Proof of address.
3. Proof of income (Form 16, bank account statement, latest IT returns.)
4. Valuation certificate for the property to be purchased.
5. An affidavit stating that you or your family member does not own any brick and mortar house, also known as a pucca house, in India.
6. Agreement for the construction of the building with the builder or developer
7. The approved plan for construction of the building.
8. No Objection Certificate furnished by a relevant authority or housing society
9. The document certifying the conditions and quality of the property in concern.
10. Letter of property allotment.
11. Receipt of advance payment made for the purchase of the property, if applicable.
12. Any other property document if applicable.

Steps to Apply Offline

It is possible to apply for Pradhan Mantri Awas Yojana offline by filling up a form in the Common Service Centre (CSC) operated by the State Governments. Offline forms can be filled up for Rs. 25 plus the GST. It is to be noted that no private individuals or companies are allowed to collect money to get benefits under this scheme. You can also visit any bank, non-banking finance company, or housing finance company and fill out the scheme application form. You must submit the documents cited in the form and check your eligibility before applying for this scheme.

Online Application Process for Slum-Dwellers

Log in to the official website of PMAY ( http://pmaymis.gov.in/)
Navigate to the menu bar and click on the option marked “Citizen Assessment.”
A drop-down menu will appear from where you will have to choose the option “slum dwellers.”
On the page that appears, you will have to enter your Aadhaar Number and your name, as put forth in your Aadhaar card. In case you do not have your Aadhar Number, you will have to provide your virtual ID.
After entering these details you will be redirected to the main application page. Here, you will have to enter information like your residential and permanent address, residential income, ownership details of your existing houses, and so on.
After filling all the relevant details, you will need to check on the terms of the agreement, enter the proper captcha code that appears, and click on the “Save” option to get your application details recorded on this website.

Online Application Process for those Belonging to the Other 3 Categories

The three other categories involve The Economically Weaker Sections (EWS), Middle Income Groups (MIGs) and Lower Income Groups (LIGs)

Log in to the official Pradhan Mantri Awas Yojana website.
Navigate to the menu bar and click on the option marked “Citizen Assessment.”
Choose the option of “Benefit Under Other 3 Components” from the drop-down menu that appears.
On the page that appears, furnish details like your Aadhaar card number and your name as put forth under it. If you do not have the Aadhaar card number, you will need to enter your virtual ID.
Next, you will be redirected to the main page, where you will have to enter all relevant personal information like your annual household income, residential and permanent address, etc.
After entering all the relevant information, you will have to check the terms of the agreement at the bottom of the page, enter the captcha code that appears and register the details provided with the website.