The government-supported scheme is the Pradhan Mantri Awas Yojana Apply Online under which the lower and middle-income section of the population in the country can avail of the opportunity to own a house. It was launched in 2015 in separate regions of India with two divisions that is PMAY-Gramin and PMAY-Urban.
Till today, 1.22 Cr houses have been sanctioned and more than 68 lakh houses have been built and finished under PMAY-Urban (PMAY-U). Also, in this scheme, the government provides monetary benefits for the construction of houses or in purchase of houses to the deserving beneficiaries.
What is Pradhan Mantri Awas Yojana Apply Online?
Thus, to overcome the acute housing problem in India, the Union government initiated Pradhan Mantri Awas Yojana (PMAY) on 1st June 2015. Under the scheme, it was planned to build two crore and ninety lakh affordable houses across the country by the end of the year 2022. Nonetheless, because of the COVID-19 limitations, the construction progress rate was lessened.
Naturally, the Government decided to continue the scheme till March 2024. It was a relief granted to allow the completion of the remaining houses under the scheme. To date, as of September 2022 targets PMAY, more than one lakh ninety-five thousand housing units have been completed.
Who can Apply for Pradhan Mantri Awas Yojana Apply Online
Applicants, for registration under the innovative housing scheme announced by the Government, are allowed to apply under any Pradhan Mantri Awas Yojana 2024 four components. These are-
- The in-situ therapy component concerns the population living in the slum, who do not have a pucca house. This group of applicants can apply for a home.
- Beneficiary lead construction or BLC is used for those people who already own a plot of land but need funds to build or refurbish a home. This group of applicants can request for funds.
- Credit credit-linked subsidy scheme (CLSS) is a home loan granted facility to a particular segment of society controlling the annual income. This category of applicants can apply for a subsidy.
- It is a scheme for the weaker section of the urban population who are economically very backward and cannot avail of home loans but are devoid of any plans.
Eligibility Criteria Of Pradhan Mantri Awas Yojana Apply Online
According to the PMAY ‘Housing for All’ to avail of the homes, an individual has to be from the low-income group (LIG) or the economically weaker section (EWS). Below are other conditions that you have to meet:-
- You or any of your family members are not owners of Pucca House. They are built of premium material to portray a pucca house.
- Family as defined for state benefits purposes includes your spouse and your unmarried children.
- The minimum income of housing would thus be Rs 13,918/- per month for EWS and up to Rs 40,000/- per month for LIG segment where the EWS will have an income of up to Rs 3 lakh per annum and LIG will have an income between Rs 3 lakh to Rs 6 lakh per annum.
- Applicants with an annual household income between Rs 6 lakh to Rs 12 lakh shall be classified under MIG 1 to get interest subsidy only if the loans taken for the house are up to Rs 9 lakh.
- The persons having a household income of Rs 12-18 lakh per annum will be covered under MIG 2 of the scheme and eligible to get an interest subsidy on loans of up to Rs 12 lakh for purchasing/acquiring a house.
- This criterion means people belonging to minority groups like SC/ST/OBC are going to be included under the minority. These people will have to present their caste and income certificates to avail benefits of the PMAY scheme.
- This is a feminine program whereby the members of the female gender in a given family would be privileged house ownership.
How to Apply for a Home?
However, if you qualify for the above-mentioned criteria of PMAY or if you are a slum occupier, then you can apply through the Pradhan Mantri Awas Yojana Apply online form. Here is the link to download the PMAY application form Accessed on 15 February 2021.
- Click on Citizen Assessment.
- The option for ‘benefit under 3 components must be selected when a citizen falls into the LIG or EWS category and the applications are to be filed in Format-B.
- Once completed you can check the status by clicking on ‘track your assessment status’.
- PMAY will require some basic precaution while applying for it or checking the application status and it advised that certain third-party websites should not be used.
- It is advisable to engage in the official website limited to input of own details including, identification number, application number, banking details, and other related information.
What is the Correct Way of Checking the List of Beneficiaries?
Originally, there was a long and tiring process to check the beneficiaries list which can be acquired in the following manner-
- Refer to the official Indian website for the Pradhan Mantri Awas Yojana- Gramin.
- Now click on ‘Awa soft’, and there will appear a drop-down menu.
- From the given options at the top of the page, select ‘Report’; you will be taken to another page.
- Scroll down to turn the checkbox next to ‘H. Social Audit Reports
- After this tick on the ‘Beneficiary details for verification’ area located in the ‘H’ box.
- Go to the ‘Selection Filters’ on the left as the State, district, and town here shown
- Type the correct code displayed in the picture, and click on ‘Submit’
How to do Self-Registration
The ULBs concerned with Pradhan Mantri Awas Yojana Apply Online (Urban) first perform a free-of-cost demand survey for online and offline registration. The beneficiaries also have the opportunity to register themselves through the Internet, if they fit the Ministry’s parameters. The state/UT governments have also made registration services available at their respective CSCs, with a total cost of Rs. 25/- plus service tax.
Conclusion
Pradhan Mantri Awas Yojana Apply Online is an Indian government scheme to deliver affordable houses to the economically weaker section and lower income groups starting in 2015. Primarily segmented into two types namely, PMAY-Gramin and Pradhan Mantri Awas Yojana Apply Online Urban, the scheme has laid down methodologies to provide monetary benefits for constructing homes or buying deserving beneficiaries.
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