How to Apply for Pradhan Mantri Awas Yojana (PMAY)

1. Determine the category that you fall under for the scheme of PMAY 

1. Visit the official website of PMAY 

1. Under the main menu, click on ‘Citizen Assessment’ 

1. Select the applicant category 

1. Enter the Aadhar details on the new page that you are redirected to 

1. Fill in the online PMAY application with the required details, such as: 

1. Personal information 

1. Income details 

1. Address 

1. Bank account details 

1. Enter the captcha code 

1. Verify the details entered and submit the form 

What are the PMAY Components? 

Here is the list of components under Pradhan Mantri Awas Yojana: 

1. Affordable Housing in Partnership: In partnership with public or private developers, state government will construct affordable housing for beneficiaries, especially focusing on weaker economic section of the society. 

1. In-Situ Redevelopment: The government grants Rs.1 lakh to the eligible candidates, thereby targeting to redevelop land under slum dwellings, to provide the urban slum dwellers with better living conditions along with proper sanitation facility. 

1. Construction and enhancement of beneficiary-led houses: The government will offer financial grant of Rs.1.50 lakh to either construct a new house or rebuild their existing house, if the eligible candidates exempted from other components, such as CLSS, In-Situ Redevelopment, or Affordable housing in partnership. 

1. Credit Linked Subsidy Scheme (CLSS): To reduce the interest and overall cost of the loan amount of the first-time borrowers, the government offers interest subsidy of 6.50% on home loan offered by multiple banks or financial institutions. 

Pradhan Mantri Awas Yojana can be applied under two categories:

1. Under Other 3 Components - The Economically Weaker Sections (EWS), Middle Income Groups (MIGs) and Lower Income Groups (LIGs) are considered as beneficiaries under the Housing for All by 2022 Scheme. For EWS, the annual income cap stands at Rs.3 lakh. In case of LIG, the maximum annual income is between Rs.3 lakh and Rs.6 lakh. For MIG, the cap for annual income is between Rs.6 lakh and Rs.18 lakh. CLSS component can be availed by the MIG and LIG categories. EWS, on the other hand, is eligible under all verticals for assistance.
2. Slum Dwellers - A slum is an area where 60 to 70 households or approximately 300 people stay in poorly built residences. The environment of these areas are unhygienic and they lack proper infrastructure, drinking water and sanitation facilities.These people can apply for the Housing for All by 2024 under the Pradhan Mantri Awas Yojana scheme.

Find: Pradhan Mantri Awas Yojana Online Application

How to Apply for PMAY Benefits Under the Other 3 Components Online

As mentioned in the previous section, an applicant needs to provide their personal information to apply for the scheme. The steps are as follows:

• Log on to the official Pradhan Mantri Awas Yojana at pmaymis.gov.in
• Choose the 'Benefits under other 3 components' option by clicking the 'Citizen Assessment' dropdown.
• Enter your Aadhaar number and click submit. (The site will verify whether the Aadhaar details provided is correct).
• If the information provided is correct, you will be redirected to the next page where you will have to provide all the pertinent information regarding you name, income, no. of family members, residential address, contact number, age of the head of the family, religion, caste and the like.
• Once all the information is provided, scroll down, type the captcha code in the box and click submit.

And thus, end the PMAY online application process. In case you make a mistake,which typing out the information, you can edit the form with the help of your Application and Aadhaar number.

How Slum Dwellers Can Apply for PM Awas Yojana Online:

As the PMAY website uses an integrated platform, the application slum dwellers need to use to apply for a house is the same. While all the steps mentioned above will be followed, there's a tiny detour you should take:

• Log on to the official Pradhan Mantri Awas Yojana at pmaymis.gov.in
• Choose the 'For Slum Dwellers' option in the 'Citizen Assessment' dropdown.
• Enter your Aadhaar number and click submit. (The site will verify whether the Aadhaar details provided is correct).
• If the information provided is correct, you will be lead to the next page where you will have to provide all the pertinent information regarding you name, income, no. of family members, residential address, contact number, age of the head of the family, religion, caste and the like.
• Once all the information is provided, scroll down, type the captcha code in the box and click submit.

How to Register for PMAY Offline? 

Eligible candidates can register for PMAY offline in case they are unable to register through online mode. Here are the steps for offline registration: 

1. Visit the Common Service Center run by State Government 

1. Fill in the application form 

1. Pay the fee of Rs.25 plus GST (Goods and Services Tax) 

1. Submit the application form along with the fee 

Note: No private centers or banks accept offline applications. 

Who is Eligible for PMAY Property? 

The following is the list of PMAY property for the eligibility criteria varies: 

1. Economic Weaker Section (EWS): Household income of Rs.3 lakh 

1. Lower Income Group (LIG): Household income between Rs.3 lakh and Rs.6 lakh 

1. Middle Income Group I (MIG I): Household income between Rs.6 lakh and Rs.12 lakh 

1. Middle Income Group II (MIG II): Household income between Rs.12 lakh and Rs.18 lakh 

What are the Rules of PMAY? 

Here is the list of some of the significant rules and guidelines under Pradhan Mantri Awas Yojana: 

1. Property ownership: To be eligible for the scheme, the individual must not possess any pucca house anywhere across the country. 

1. Income criteria: There are four eligible income categories under the PMAY scheme, which are EWS, LIG, MIG-I, and MIG-II and the eligibility is determined based on the annual income of the applicant and their family category. 

1. Application procedure: To prove eligibility, interested candidates must apply for the scheme through authorised sources and submit all the relevant documents along with the application form. 

1. Period of validity: PMAY scheme has a defined validity period, and the eligible candidates must apply within the validity period to avail themselves of the benefits of the scheme. 

1. Interest subsidy: The interest subsidy on homa loans can be availed under PMAY-CLSS for buying or constructing new houses and the amount of subsidy will vary depending on the income category. 

1. Loan amount: The maximum limit defined under the scheme should always be more than the loan amount approved for purchase or construction of a house. 

1. Property location: Property location under PMAY scheme is applicable for both urban and rural areas that also impacts the benefits under the scheme and eligibility. 

1. Carpet area limit: Based on the income category, the carpet area of the house constructed or purchased should be within the defined limits. 

1. Co-ownership: To avail subsidy, married couples can apply for PMAY together if they fulfil the eligibility criteria. 

1. Aadhar linkage: It is mandatory for PMAY applicants and co-applicants to have a valid Aadhar card. 

Pradhan Mantri Awas Yojana Subsidy 

Here is the list of beneficiaries under PMAY scheme and the corresponding subsidy based on the income: 

How to Verify the Gramin List of PM Awas Yojana Applicant 

The following are the steps to verify the Gramin list of Pradhan Mantri Awas Yojana applicants: 

1. Visit the official website of PMAY 

1. On the homepage, navigate to the ‘Reports’ section 

1. Select ‘Beneficiary Details for Verification’ option 

1. Provide the required details, such as: 

1. District 

1. State 

1. Village 

1. Year 

1. Select PMAY and the enter the captcha code 

1. To view the list, click on ‘Submit’ 

How to Track Your PMAY Assessment Status Online 

The following are the steps to track the beneficiaries’ PMAY Assessment status online: 

1. Visit the official website of PMAY 

1. From the ‘Citizen Assessment’ drop-down menu, select ‘Track Your Assessment Status’ 

1. The applicant will be redirected to Track Assessment Form 

1. PMAY Assessment can be tracked by the following details: 

1. Name 

1. Father’s name 

1. Mobile number, or 

1. Assessment ID 

1. After providing all the details, click on ‘Submit’ 

1. After submitting the form, the details of the assessment status will be displayed on the screen. 

Important Points to Remember While Applying for PMAY Scheme 

Here is the list of following points that should be remembered before applying for PMAY-CLSS scheme: 

1. Applicants must check the eligibility criteria for the scheme by clicking on ‘Check the Pradhan Mantri Awas Yojana Eligibility Criteria’ 

1. PMAY application form must be filled which is either available at Ministry’s official website or at the registered Common Service Centres (CSC) 

1. All the required documents must be kept ready before filling in the application form 

1. To avoid rejection of the application form, the details entered should be accurate 

1. It is mandatory for the applicants to have a valid Aadhar card before applying for the scheme 

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