Pradhan Mantri Awas Yojana – Housing to All is a central government subsidy scheme launched by Prime Minister Narendra Modi. Under this scheme, the citizens of India who have taken house loans and construction loans will get a subsidy interest. The main reason behind this scheme is to support those who are financially weak to build the house of their dreams.
The Pradhan Mantri Awas Yojana scheme was launched on June 25, 2015. With an aim to achieve “Housing for All” by the year 2022, this scheme came into existence. This scheme is available for both urban and rural citizens of India with the name PMAY Urban and PMAY Gramin. The EWS(economically weaker sections), LIG(lower income groups), and MIG(middle-income groups) are the target of this scheme.
The PMAY scheme has also launched a subsidy scheme with the name “Credit Linked Subsidy Scheme (CLSS)”. This subsidy scheme will provide a subsidy interest of 6.50% p.a. on housing loans for the term of 20 years. If you have taken a bank loan for house construction, then you will get the subsidy amounts transferred into your account directly. To know how to apply for the PradhanMantri Awas Yojana scheme, read below.
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Pradhan Mantri Awas Yojana (प्रधानमंत्री आवास योजना)
Pradhan Mantri Awas Yojana – Housing to All is a central government subsidy scheme launched by Prime Minister Narendra Modi. With an aim to achieve “Housing for All” by the year 2022, this scheme came into existence. The scheme was launched on June 25, 2015, for the financially weaker citizens of the nation. The PMAY scheme has also launched a subsidy scheme called Credit Linked Subsidy Scheme (CLSS).
Under this subsidy scheme, the government will provide subsidy interest to the beneficiaries who take home loans. The maximum subsidy interest under PMAY is 6.5% per annum up to a term of 20 years. The maximum amount of subsidy amount that a beneficiary will get is Rs.2.67 lakh per annum. If you also want to apply for the PMAY subsidy, then you can do it online. The PMAY scheme’s last date to apply is extended till March 31st, 2022.
Objective Of PradhanMantri Awaas Yojana
The objective of the Pradhan Mantri Awas Yojana scheme is to help the poor to build their homes. The Housing for All scheme provides monetary support to those who are financially weak to build the house of their dreams. Under this scheme, the government is planning to have pucca housing for all by 2022.
Overview Of PMAY
| Name of the scheme | Pradhan Mantri Awas Yojana (PMAY) |
| Launched by | Government of India |
| Launched on | 25th June 2015 |
| Category | Central Government Home Loan Subsidy Scheme |
| Objective | To provide subsidy amounts on housing loans for economically weaker sections of people |
| Beneficiaries | Citizens of India who are economically backward |
| Helpline Number | 011-23063285, 011-23060484 |
| Official Website | https://pmaymis.gov.in |
Types Of PMAY Schemes
The Pradhan Mantri Awas Yojana scheme is of two kinds, one is PMAY Urban and the other is PMAY Gramin. Depending on the area the beneficiary lives in, he or she falls under the urban or rural/Gramin sector.
- Pradhan Mantri Awas Yojana Gramin (PMAY-G): PradhanMantri Aawas Yojana Gramin scheme is for the citizens who live in rural regions of India, excluding Chandigarh and Delhi. Earlier, the PMAY-G scheme was known by the name “Indira Awas Yojana”.
- Pradhan Mantri Awas Yojana Urban (PMAY-U): PMAY-U is the housing subsidy loan scheme for the citizens who live in urban regions of India. Currently, there are 4,331 towns and cities that are identified under this scheme.
Benefits Of Pradhan Mantri Awas Yojana
The following are the exclusive benefits provided under the PradhanMantri Aawas Yojana scheme.
- Under PMAY Scheme, a subsidy interest of 6.5% p.a. for the period of 20 years will be provided to the EWS people. The Lower Income Group and Middle Income Group people will get relatively lesser subsidy interest.
- The LIG, MIG 1, and MIG 2 beneficiaries are eligible only for the Credit Linked Subsidy Scheme (CLSS). Whereas the Economically Weaker Sections are eligible for the complete PMAY scheme.
- This means the EWS people can apply for a free house under this scheme. The construction for the housing units is planned to finish in 3 phases.
- High-quality construction materials and eco-friendly technologies are being used for the construction.
- While allocating the housing units, the differently-abled and senior citizens will be given priority for the ground floor.
Pradhan Mantri Awas Yojana Phases
The PMAY-U scheme was planned to implement in three phases. Here are the three phases under which the PMAY-U process is undergoing.
| Phase | Phase 1 | 2nd Phase | Phase 3 |
| Start date | 04/01/15 | 04/01/17 | 04/01/19 |
| End date | 03/01/17 | 03/01/19 | 03/01/22 |
| Cities covered | 100 | 200 | Cities left out in Phase 1 and 2 |
Pradhan Mantri Awas Yojana Beneficiaries
The following are the beneficiary details who are eligible for the Pradhan Mantri Awas Yojana scheme.
- The Pradhan Mantri Awas Yojana Urban – PMAY-U scheme primarily focuses on the poor citizens living in urban regions. Under PMAY-U, the lower-income groups, middle-income groups 1 and 2, and economically weaker sections are eligible.
- Apart from the homeless citizens of India, the PMAY-U scheme also provides its services to slum dwellers. Those who are living in slums with inadequate infrastructure, poor sanitation, and drinking facilities will also get help under this scheme.
- The Lower Income Groups (LIGs), Middle Income Groups (MIG 1 and MIG 2) are eligible only for the CLSS subsidy scheme. Whereas the EWS category beneficiaries are eligible for complete PMAY-U scheme assistance.
- The subsidy interest and amount depend on the annual income of the beneficiary family. Therefore, income certificate proof must be submitted to the authorities to apply for this scheme.
PradhanMantri Aawas Yojana 2021 Subsidy Details
| CLSS Scheme Type | EWS and LIG | MIG 1 | MIG 2 |
| Household Income ( Rs.) | Up to ₹6,00,000 | ₹6,00,000 to ₹12,00,000 | ₹12,00,000 to ₹18,00,000 |
| Carpet Area-Max (sqm) | 60 sqm | 160 sqm | 200 sqm |
| Subsidy interest (%) per annum | 6.5% | 4.00% | 3.00% |
| Subsidy for a Maximum loan of | ₹6,00,000 | ₹9,00,000 | ₹12,00,000 |
| Loan Purpose | Purchase/Self Construction/Extension | Self Construction/Purchase | Purchase/Self Construction |
| Validity of scheme | 31/03/2022 | 31/March/2022 | 31/03/2022 |
| Max Subsidy (Rs.) | 2.67 Lakhs | 2.35 Lakhs | 2.30 Lakhs |
| Woman Ownership | Mandatory | Not Mandatory | Not Mandatory |
PMAY Eligibility Criteria
The following are the eligibility criteria to apply for a home loan subsidy under the PMAY scheme.
- The beneficiary should not own a pucca house in his/her name and his/her family member’s name.
- He or she must not be availing the benefits of any other central government or state government housing scheme.
- The following people with the respective annual income:
- Economically Weaker Section(EWS) with an annual income of the family less than Rs.3 Lakh
- Low Income Group(LIG) with an annual income of the family between Rs.3 Lakh and Rs.6 Lakh
- Middle Income Group I(MIG I) with an annual income of the family between Rs.6 Lakh and Rs.12 Lakh
- Middle Income Group II(MIG II) with an annual income of the family between Rs.12 Lakh and Rs.18 Lakh
Pradhan Mantri Awas Yojana Apply
The application procedure for PMAY is pretty easy and simple. All you need to do is complete the portal registration and then go ahead to apply for PMAY online. If you want to apply for the Pradhan Mantri Awas Yojana scheme, then follow the simple steps below.
- Go to the official Pradhan Mantri Awas Yojana portal at pmaymis.gov.in.
- On the homepage, go to Citizen Assessment -> Apply Online and select the type of application.
- Complete the portal registration by entering your Aadhar Card number.
- Then, go to the PMAY online application and get the application form.
- Follow the on-screen instructions and submit your application form.
- The assessment ID will appear on your screen upon submission. Make sure to keep it safe.
Edit PMAY Assessment Form
If you have already submitted your application form, but now want to edit it, then follow these steps.
- Go to the official Pradhan Mantri Awas Yojana portal at pmaymis.gov.in.
- On the homepage, go to Citizen Assessment -> Edit Assessment Form.
- Enter your assessment ID and registered mobile number.
- Then, click on the “Show” button to view your assessment form.
- Now, you can edit your form as you please and then save the changes.
Track Pradhan Mantri Awas Yojana Assessment Status
If you want to check your application status for Pradhan Mantri Awas Yojana, then follow these steps.
- Go to the official Pradhan Mantri Awas Yojana portal at pmaymis.gov.in.
- On the homepage, go to Citizen Assessment -> Track Your Assessment Status.
- Enter your Assessment ID and mobile number or name, father’s name, and mobile number.
- Then, click on the “Submit” button to check your assessment status.
Search Pradhan Mantri Awas Yojana Beneficiary List
If you want to search your name or application details in the Pradhanmantri Aawas Yojana list of beneficiaries, then follow these steps.
- On your smartphone or PC, go to the official PMAY website at pmaymis.gov.in.
- Now, on the homepage, go to Search Beneficiary and click on “Search By Name”.
- Then, enter your Aadhar number in the empty field and click on the “Submit” button.
- The beneficiary details will appear on your screen.
Print PMAY Assessment Form
If you want to take a printout of your PMAY application form, then follow these steps.
- Open your web browser and go to the official PMAY website at pmaymis.gov.in.
- Now, on the homepage, go to Citizen Assessment -> Print Assessment.
- Enter your Assessment ID and mobile number or name, father’s name, and mobile number.
- Then, click on the “Submit” button to get your assessment form.
- Select the “Print” button on your application form to take a printout.
PMAY Helpline Numbers
If you have any doubts or want help with the PMAY portal, then contact the following helpline numbers.
- 1800-11-6163 (Urban, HUDCO)
- 1800-11-3388 (Urban, NHB)
- 1800-11-3377 (Urban, NHB)
- 1800-11-6446 (Gramin)
FAQs
Conclusion
We hope you got to know all the details about the Pradhan Mantri Awas Yojana scheme here. This scheme is a great help to the citizens of India who are not stable financially. Housing to All under PMAY is planning to finish the 3rd phase of housing by March 31st, 2021. If you are also planning to buy a house of your own, then apply for the CLSS subsidy now under PMAY. That’s all for this post. Keep visiting Janta Yojana to get more updated guides.