Pradhan Mantri Awas Yojana 2023 : Online Registration, Objectives, Eligibility & Benefits

 Pradhan Mantri Awas Yojana – Urban (PMAY-U), Pradhan Mantri Awas Yojana Gramin (PMAY-G)प्रधानमंत्री आवास योजना ऑनलाइन आवेदन – [Apply Online] Pradhan Mantri Awas Yojana (PMAY) 2021 – Online Registration, Application Form PDF, Eligibility, Features, Benefits, gramin & urban documents and Check Online Application Status at Official Website https://pmaymis.gov.in/.

प्रधानमंत्री आवास योजना: Pradhan Mantri Awas Yojana 2023 List, PMAY Yojana Status News Updates

Latest Update 10/07/2020: सरकार की जनकल्याणकारी योजनाओं में से एक प्रधानमंत्री आवास योजना ( Pradhan Mantri Awas Yojana ) के जरिए कमजोर आय वर्ग के लोग घर ( Home ) लेने का सपना पूरा कर सकते हैं। प्रधानमंत्री आवास योजना ( pmay 2020 ) के तहत शहरी या ग्रामीण क्षेत्रों में सस्ते घर खरीद सकते हैं। इस योजना के तहत सरकार ने 2022 तक शहरी क्षेत्रों में लोगों के लिए सस्ते आवास देने का लक्ष्य रखा है। प्रधानमंत्री मोदी ( pm modi ) ने 25 जून 2015 को इस योजना की शुरुआत की थी। जिसके तहत आर्थिक रूप से कमजोर वर्ग के लिए एक घर का आकार 30 वर्ग मीटर तक हो सकता है।

Pradhan Mantri Awas Yojana 2023 Apply Online

In 2014, when Narendra Modi became the Prime Minister of the country, there was a plan to get everyone a permanent home in his ambitious plans. This scheme is still being implemented by the government.

Under this scheme, for the first time home buyers are being given some discount in the interest rates of the loan amount. People of weaker income groups are being given benefit of up to Rs 2.60 lakh. Although subsidy is being given to people on financial basis.

With the help of this, you will be able to find the status of your application, as well as all the information related to your home. However, to know the status of your application, your Registration ID or Assessment ID, It is important to have a mobile number and the most important Aadhaar number. Because you will need them while finding out the subsidy in interest rates.

All Candidates who are willing to apply online application then download official notification and read all eligibility criteria and application process carefully. We will provide short information about “Pradhan Mantri Awas Yojana 2021” like Scheme Benefit, Eligibility Criteria, Key Features of Scheme, Application Status, Application process and more.

Pradhan Mantri Awas Yojana 2023 – Overview
Name of Scheme	Pradhan Mantri Awas Yojana (PMAY)
in Language	प्रधानमंत्री आवास योजना
Launched by	By PM Narendra Modi
Beneficiaries	Poor people of the country
Major Benefit	Provide Financial Support to build House
Scheme Objective	Provide Affordable house
Scheme under	State Government
Name of State	All India
Post Category	Scheme/ Yojana
Official Website	https://pmaymis.gov.in/
Important Dates
Event	Dates
Launch date	22 June 2015
PMAY Phase 1 Period	April 2015 to March 2017
PMAY Phase 2 Duration	April 2017 to March 2019
PM Housing Scheme Phase 3 Period	April 2019 to March 2022
Important Links
Event	Links
Apply Online	Registration | Login
Notification	Click Here
Pradhan Mantri Awas Yojana 2021	Official Website

Pradhan Mantri Awas Yojana (Urban)-PMAY (U)

Pradhan Mantri Awas Yojana (Urban) Mission launched on 25th June 2015 which intends to provide housing for all in urban areas by year 2022. The Mission provides Central Assistance to the implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all eligible families/ beneficiaries against the validated demand for houses for about 1.12 cr. As per PMAY(U) guidelines, the size of a house for Economically Weaker Section (EWS) could be upto 30 sq. mt. carpet area, however States/UTs have the flexibility to enhance the size of houses in consultation and approval of the Ministry.

According to a July 2019 survey, the progress of PMAY-U is as follows.

• Completed residences – 26.08 Lakh
• Approved residences – 83.63 Lakh
• Occupied residences – 23.97 Lakh

Total estimated subsidies under PMAY-U, according to the same survey, amounted to around Rs. 4.95 Lakh Crore. Out of this, the scheme has already provided more than Rs. 51,000 Crore as assistance to eligible applicants.

Offers and Advantages of PMAY-U

The various features and benefits of PMAY-U have been enlisted in the table below to help prospective homebuyers.

Features	MIG-I	MIG-II
Interest rate subsidy	4.00%	3.00%
Maximum carpet area of a dwelling unit	160 sq. m	200 sq. m
Maximum subsidy amount	Rs. 2.35 Lakh	Rs. 2.30 Lakh
Maximum Home Loan Quantum for Subsidy	Rs. 9 Lakh	Rs. 12 Lakh
Maximum home loan tenure	20 years	20 years
The discount rate for interest subsidy NPV	9%	9%

How much interest subsidies one can get?
The interest subsidies of 4 per cent and 3 per cent on loan amount up to Rs 9 lakh and Rs 12 lakh are admissible for MIG I and MIG II respectively. The benefit for these beneficiaries under CLSS works out a loan period of 20 years.

PMAY Yojana Apply Online : Pradhan Mantri Awas Yojana Registration Process

In such a situation, if you are buying or have purchased a house for the first time under the Prime Minister Housing Scheme (PMAY), then you will be given a Registration ID. You can find out your subsidy through this registration ID. Beneficiaries can apply for PMAY through the following:

A. Online

Individuals can visit the official website of the scheme to apply online. They need to have a valid Aadhaar Card to apply.

B. Offline

Beneficiaries can apply for the scheme offline by filling up a form available through Common Service Centre (CSC). Price of these forms is Rs. 25 + GST.

Step to Apply Online Pradhan Mantri Awas Yojana Application Form 2021

Step 1- Visit the Official Website Pradhan Mantri Awas Yojana i.e. https://pmaymis.gov.in/.

Step 2- On Homepage, See an option “citizen assessment” and click on this option.

Step 3- Now, Option Slum Dwellers and Benefits under 3 components will see an option.

Step 4- Now click on these options as per your eligibility and start the process of filling the Pradhan Mantri Awas Yojana online application form.

Step 5- Choice of Slum Dwellers and Benefits under 3 components option>> Choose as per your eligibility.

Step 6- Next, Enter the 12 digit Aadhaar number and enter the name according to the Aadhaar card, then click on the check option.

Step 7- Fill all the information correctly.

• Name of Head of Household
• state name
• Name of district
• Age
• current address
• House number
• mobile number
• Cast
• Base number
• Name of city and village

Step 8- Click on Submit Button for final submission of application.

How to check PMAY application status?

Step 1- Visit the Official Website Pradhan Mantri Awas Yojana i.e. https://pmaymis.gov.in/.

Step 2- On Homepage, Click on the option of ” Track Your Assessment Status ” from this option.

Step 3- See two options>>check the status of your application from any of these two options.

Step 4- Click on the button of “Assessment ID”.

Step 5- On this page, fill in the assessment ID and mobile number>>click on the submit button.

Step 6- Now the PMAY status will appear on the screen and you can see your status.

OR

• Click on “Option, Father’s Name and Mobile Number” on the second option.
• Now, enter the name, mobile number, city, district in the given location and click on submit button.
• On clicking the submit button, the option of evaluation will appear on the screen.

How to check your name in PMAY 2021 Beneficiary List?

Those eligible for the scheme can check their name in the Pradhan Mantri Awas Yojana list by following these few steps:

Step 1: Visit the official website.
Step 2: Click “Search Beneficiary”.
Step 3: Enter the Aadhaar number.
Step 4: Click “Show”.

How to edit the PM Housing Scheme Assessment Form?

Step 1- Visit the Official Website Pradhan Mantri Awas Yojana i.e. https://pmaymis.gov.in/.

Step 2- On Homepage, you will see the option of Citizens Assessment. You have to click on the option of Edit Assessment Form from this option.

Step 3- Now, Fill the Assessment ID and Mobile No etc.

Step 4- After this you have to click on the show button.

Important Document

Required Document to Apply Online

• Aadhar Card
• Postal address
• Income certificate
• Bank account passbook
• Photograph
• mobile number

Eligibility Criteria

Beneficiary Guidelines

किन लोगों को मिलता है इसका फायदा? ( PM Awas Yojana 2021 )
प्रधानमंत्री आवास योजना के तहत 31 मार्च 2022 तक 2 करोड़ घर बनाने का लक्ष्य रखा गया है। इसके तहत आर्थिक रूप से कमजोर वर्ग को सस्ते मकान मिलते हैं। इसमें तीन श्रेणी होती है। आर्थिक रूप से कमजोर, निम्न वर्ग और मध्यम वर्ग।

आर्थिक रूप ( EWS ) से कमजोर— 3 लाख तक की वार्षिक आय वाले परिवार होने चाहिए
निम्न वर्ग ( LIG )— 3 लाख से 6 लाख रूपये तक की वार्षिक आय वाले परिवार
मध्यम वर्ग( MIG )— 6 लाख से 12 लाख तक की वार्षिक आय वाले परिवार
EWS और LIG वालों को क्रेडिट लिंक्ड सब्सिडी का फायदा 31 मार्च 2022 तक मिलता रहेगा।

• PMAY is only available for the new property purchase. Also, an applicant must not possess any other pucca properties when applying for the said credit-linked scheme.
• The house or property for purchase must belong to one of the areas, towns, villages or cities as per the Census 2011.
• Beneficiaries must not have availed benefits under PMAY or any other credit-linked subsidy scheme from any of the financial institutions beforehand.
• The interest subvention subsidy for EWS/LIG/MIG will be based on the following factors :
  • EWS: Annual household income upto Rs 3 lacs and house size upto 30 Sq. meter.
  • LIG: Annual household income between Rs 3 to 6 lacs and house size upto 60 Sq. meter.
  • MIG I – Households are defined as households having an annual income between Rs.6, 00,001 (Rs.Six lakh one) up to Rs.12,00,000(Rs. Twelve Lakh)
  • MIG II – Households are defined as households having an annual income between Rs.12, 00,001 (Rs.Twelve lakh one) up to Rs.18, 00,000 (Rs. Eighteen lakh).

The carpet area of house under this Scheme should be up to 160 sq. mts. for MIG-I beneficiaries and up to 200 sq. mts. for MIG-II beneficiaries.

Major Benefits

Beneficiary Benefits

• The 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.
• The beneficiary families of the Pradhan Mantri Awas Yojana receive credit or interest subsidies on their home loan. The amount of interest subsidy is based on the income category to which the family belongs.

Key Features of Scheme

Scheme Feature

• According to the specifications of the 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.
• To avail the benefits from this scheme, interested individuals need to register for it. Further, it is mandatory for women, primarily mothers or wives, to be named the beneficiary.
• 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.
• Senior citizens can take advantage of the scheme with the government favouring their claims when it comes to ground floor properties.

Cities and states in this scheme

• Chhattisgarh – 1000 Cities / Towns
• Rajasthan
• Haryana, 53,290 houses in 38 cities and towns.
• Gujarat, 15,584 houses in 45 cities and towns.
• Orissa, 5,133 houses in 26 cities and towns.
• Maharashtra, 12,123 houses in 13 cities and towns.
• Kerala, 9,461 houses in 52 cities
• Karnataka, 32,656 houses in 95 cities
• Tamil Nadu, 40,623 houses in 65 cities and towns.
• Jammu and Kashmir – 19 cities / towns
• Jharkhand – 15 Cities / Towns
• Madhya Pradesh – 74 cities / towns
• Uttarakhand, 6,226 houses in 57 cities and towns.

Features of PMAY

The following are the main features of PMAY:

1. Interest rate is provided at a subsidized rate of 6.50% p.a. if beneficiaries choose a housing loan for a tenure of up to twenty years.
2. The interest subsidy is provided for the Middle Income Group (MIG) on housing loans for the acquisition/construction of homes (including repurchase).
3. For Economically Weaker Section (EWS)/Lower Income Group (LIG), the rate of interest subsidy is provided on home loans for construction or acquisition of the house. Interest subsidy will be provided on home loans taken for adding rooms, kitchens, etc. to existing dwellings.
4. Under this Pradhan Mantri Awas Yojana, all the urban areas are covered in India that features 4041 statutory towns with the priority given to 500 Class I cities.
5. Eco-friendly and sustainable technologies are used for construction.
6. For senior citizens and differently-abled, allocation of the ground floor is preferred.

Benefits of PMAY:

The main benefits of PMAY are as follows:

1. PMAY Subsidy: one of the biggest benefits of PMAY is its rate of subsidy. Interest rates for home loans are generally quite 10% in banks and with the PMAY scheme, a 6.5% subsidy is given to an individual. This indirectly reduces the monthly installments one should pay. This PMAY subsidy will have an enormous and positive impact, especially on the middle-income segment. to understand more click here.
2. Housing for All: As per the Pradhan Manti Awas Yojana, the govt will construct 2 crore affordable houses across the urban areas of the country. Construction of those affordable houses has already commenced in states like Maharashtra, West Bengal, Tamil Nadu, etc. This scheme will be considered as one of the main initiatives taken by the Indian government in raising the standards of living for the citizens living in rural parts of the country. Considering that 60% of the population living in rural areas, it’ll be an excellent chance for everybody to enjoy the essential facilities.
3. Development of the nation: The PMAY is one of the various schemes that were introduced by the Indian government and these schemes will benefit the citizens from the rural area. Not only will these projects boost the lower-income and mid-income segment but will have an excellent impact on the country’s land sector the industries related to it, for instance, it’ll boost employment opportunities.
4. Other benefits: Women who fall into the low earning groups will get special benefits when availing of housing schemes. Provisions have also been made for widows, transgender, senior members, and differently able people. Senior members can also get flats on the ground floor for his or her physical comfort.

Eligibility of PMAY:

Before applying to the scheme, however, one must consider whether he/she is eligible to receive subsidies. the following factors determine eligibility for PMAY.

1. Depending on a person’s income range, he/she would fall in EWS, LIG, or MIG categories. However, if the family’s annual income exceeds the income range for the MIG group, which is Rs. 18 Lakh per annum, they might be ineligible to avail of benefits under the Pradhan Mantri Awas Yojana.
2. A woman’s name should get on the deed or the property papers. It can either be a sole proprietorship, where the woman owns the house, or it is often joint ownership, where one among the owners must be female to avail of the scheme.
3. PMAY is merely available for the new property purchase. Also, an applicant must not possess the other pucca properties when applying for the said credit-linked scheme.
4. The beneficiaries must not have availed any central assistance or benefits from the other housing scheme beforehand, from either the state or the central government for the scheme to use.
5. The house or property for purchase must belong to at least one of the areas, towns, villages, or cities as per the Census 2011.
6. Beneficiaries must not have availed benefits under PMAY or the other credit-linked subsidy scheme from any of the financial institutions beforehand.
7. If the first reason for availing of a home loan is that the renovation or extension of an already existing property, the said work must be completed within 36 months from receiving the primary loan installment.

Tax Benefits under PMAY

An individual can claim tax benefits under the following sections of the Income Tax Act 1961 when availing subsidy under this scheme as per the tax regime of FY 2019-20.

• Section 80C – Deductions of up to Rs. 1.50 Lakh per year on the home loan principal repayment.
• Section 24(b) – Deductions of up to Rs. 2 Lakh per year on home loan interest payment.
• Section 80EE – First-time homebuyers can avail yearly tax relief of up to Rs. 50,000.
• Section 80EEA – Deductions of up to Rs. 1.50 Lakh per year on home loan interest payment in case your property comes under the affordable housing category.