Are you looking to buy a home under the Union government’s Pradhan Mantri Awas Yojana (PMAY)? 99acres shares some important information pertaining to the eligibility criteria and online application under PMAY.
Housing is a basic need that every citizen is entitled to. While the rich and the upper class can easily afford to buy their own home, majority of lower middle-class and poor are still deprived of this basic facility. To address the issue of acute housing shortage in India, the Union government announced the ambitious Pradhan Mantri Awas Yojana (PMAY) under which, about 20 million affordable homes will be built by 2022. 99acres takes you through the Pradhan Mantri Awas Yojana procedure of buying a home under this scheme.
Pradhan Mantri Awas Yojana eligibility criteria
To apply for a home under PMAY Housing for All, you must belong to the low-income group (LIG) or the economically weaker sections (EWS) of the society. Following are some other conditions that you must fulfill:
You or any member of your family is not an owner of a pucca house. A pucca house is one which is made of high quality material.
Your family comprises of: you, your spouse and unmarried children.
Households with an income of up to Rs 3 lakh per annum belongs to the Economically Weaker Section (EWS) while those having an annual income between Rs 3 -6 lakh constitute the Low income Group (LIG). If you belong to any one of these groups, you must show substantial proof of your income or make an affidavit, in order to avail the benefits under PMAY.
Those having an annual household income between Rs 6 and Rs 12 lakh will fall under the Medium Income Group (MIG) 1 category and can avail interest subsidy on loans of up to Rs 9 lakh for the purchase of the house.
Individuals earning a household income from Rs 12-18 lakh per annum will fall under Medium Income Group (MIG) 2 of the scheme and can avail the benefit of interest subsidy on home loans of up to Rs 12 lakh.
People belonging to minority groups such as SC/ST/OBC will fall under minority. These people need to provide relevant caste and income certificates to be considered under the PMAY scheme.
This is a pro-woman scheme wherein female members of a family would be given preference of owing a house.
Older and disabled citizens would be preferred over others while applying for a house situated on the ground floor.
Please note that the union government has given a nod to increase the carpet area of the flats to be allotted under this scheme. The carpet area for MIG 1 will be increased from 90 to 120 sq m while for MIG 2, it will be 150 sq m. However, the existing carpet area limit of 30 and 60 sq m for the EWS and LIG and category will remain the same.
Pradhan Mantri Awas Yojana Guidelines
How to apply for a home under the PMAY?
If you fulfill the eligibility criteria stated under the PMAY or if you are a slum dweller, you can apply through Pradhan Mantri Awas Yojana online application form. PMAY application form download here…
Click on Citizen Assessment.
Under citizen assessment, select ‘benefit under 3 components’ if you belong to the low income group (LIG) or economically weaker sections (EWS) and submit the Format-B applications.
Once done, you can track your status by clicking on ‘track your assessment status’
If you want to check whether your name is in the PMAY beneficiary list or not, simply click here.
Pradhan Mantri Awas Yojana documents required
As per Indian Bank’s Association, the beneficiary is required to submit the following documents for purchasing a house under PMAY.
As per Indian Bank’s Association, the beneficiary is required to submit the following documents for purchasing a house under PMAY.
| 1. | Duly filled application form |
| 2. | Self-affidavit income certificate (only if the income is below taxable limit) |
| 3. | Unique Identification – PAN Card/Aadhar Card/ Voter ID Card/Driving License/MNREGA No. Any Other Number or A Certificate of house ownership from Revenue Authority of Beneficiary’s Native District, etc. |
| 4. | Nationality Identification Proof |
| 5. | Caste certificate/Proof of category (whether belonging to SC/ST/OBC/Minority) |
| 6. | Copy of Address Proof |
| 7. | Income Proof – Original Salary Slip/Salary Certificate/Other income |
| 8. | Latest I.T. Return/ I.T. assessment Order/Form No. 16 if applicable |
| 9. | Statement of Bank Accounts – last 6 months |
| 10. | A brief note on the nature of business/activity/self-drawn attested financial statement/business license in case of self-employed. |
| 11. | Affidavit from the beneficiary stating that he/ she or any of the family members do not own a pucca house (all weather dwelling unit) in any part of India. |
Source: Bank of India
To know about PMAY subsidy, you can refer to the link.
PMAY Registration
For registration under PMAY (Urban), a free of cost demand survey is conducted both, online and offline, by the concerned Urban Local Bodies (ULBs). Eligible beneficiaries can also make online registration themselves through the Ministry’s website. The State/UT governments have also facilitated registration at their Common Service Centers (CSCs) at a nominal charge of Rs 25 plus service tax.
The eligible beneficiary can avail PMAY rural application form from any common service center across the country. To find the nearest Pradhan Mantri Awas Yojana CSC in your city, you can follow this link.
PMAY Online Registration through CSC
Following are the steps to apply online for PMAY through CSC:
1) Visit the official PMAY registration website of CSC.
2) Click on ‘Apply Here’
3) Enter your Aadhar number, select the monthly household income, check the declaration box and click ‘Next’ button at the bottom of the page.
4) On the next page, you will be asked to select the verification method. You can choose any one of the option – Iris (Eye Scan), Fingerprint or OTP. Since you require an eye scanner machine for Iris and a fingerprint machine for fingerprint, choose the OTP option and click on ‘Proceed’.
5) Upon clicking ‘Proceed’, check the declaration box and click on ‘Generate OTP’ button, post which you will receive an OTP on your mobile number linked with Aadhar card. Now, enter the OTP and click ‘Validate OTP’ button.
6) On the next page, PMAY urban application form will open wherein, you are required to fill the details and submit the form. Upon completing the process, you will be given an ‘application number’ or ‘assessment ID’ through which, you can track the status of PMAY application at later stage.
The application acknowledgement receipt can be downloaded by entering the Aadhar and application number at this link.
Pradhan Mantri Awas Yojana Benefits
The Government’s scheme comes with an intent to provide shelters to the homeless population in the country. To achieve this, the scheme offers several benefits to the identified beneficiaries.
- Home Loan Subsidy
PMAY beneficiaries can easily avail the benefits of interest subsidy on the home loan. Under Credit-linked Subsidy Scheme (CLSS), homebuyers can get the subsidy depending on their income, ranging from EWS/LIG to MIG 1 and MIG 2.
- All homeless to get pucca houses
Under PMAY, the Government aims to develop over a crore of houses in different parts of the country, including rural areas. Under PMAY (Rural), the beneficiaries would be identified as per the Socio-Economic and Caste Census (SECC) 2011.
- Benefits for women and minorities
Under the scheme, the Government has mandated female homeownership in certain cases, even if she is not the one buying the property. Additionally, certain strata of the society including widows, transgenders, the disabled, minorities and seniors are given preference over the general public. In case, you are applying for a house under PMAY as a senior citizen, you can be assured of ground floor unit allotment.
Components of PMAY
People who want to register themselves under the ambitious housing scheme launched by the Government can submit their application in either of the four components under PMAY.
- In-situ rehabilitation component deals with slum dwellers who do not own a pucca house
- Beneficiary-led construction (BLC) is applicable to those who have their own land and are seeking funds to construct/renovate a residential unit
- Credit-linked subsidy scheme (CLSS) is a home loan scheme granted to a certain section of the society based on their annual income
- Affordable housing in partnership (AHP) is for those who neither have any land nor can afford a home loan
CLSS Scheme
In order to provide financial aid to the identified P M A Y beneficiaries, the Government had introduced CLSS under PMAY (Urban). PMAY subsidy scheme was launched with an intention to lower the home loan EMIs and lessen the burden of interest on the borrower. If you are looking to avail subsidy scheme under PMAY, here are the eligibility criteria to avail the benefits.
All the families falling under Economically Weaker Section (EWS) with an annual income of up to Rs 3 lakh can apply for CLSS scheme.
Low Income Group (LIG) consists of households with an annual income is between Rs 3 lakh and Rs 6 lakh.
Middle Income Group (MIG): The scheme has been divided into two categories. MIG-1 includes households earning less than Rs 12 lakh per annum. On the other end, MIG-2 category consists of households making less than Rs 18 lakh as annual income.
Other CLSS eligibility clauses
- The applicant’s family should not own a house in any part of the country.
- In the case of a married couple, either a single or a joint ownership deal is allowed. Joint ownership would be entitled to get just one subsidy.
- The applicant’s family should not have availed subsidy in any housing-related schemes in the past.
| Scheme Type | Eligibility Household Income | Carpet Area (Square metres) | Interest Subsidy | Subsidy calculated on Max Loan availed | Max Subsidy |
| EWS and LIG | Upto Rs 6 Lakh | 60 sqm | 6.5% | Rs 6 Lakh | Rs 2.67 Lakh |
| MIG 1 | Rs 6 Lakh to 12 Lakh | 160 sqm | 4% | Rs 9 Lakh | Rs 2.35 Lakh |
| MIG 2 | Rs 12 Lakh to 18 Lakh | 200 sqm | 3% | Rs 12 Lakh | Rs 2.30 Lakh |
Source : 99 Acres
