PMAY- PM Awas Yojana | Online Apply, Eligibility, Subsidy, List

In our country, the Government of India introduces PMAY a new initiatives for the welfare of the underprivileged. This advantageous programme also known as Pradhan Mantri Awas Yojana.

This initiative provides housing facilities to impoverished and homeless individuals residing in India. A list of rural recipients is published, and all individuals named on the list receive financial aid to construct their own homes.

PMAY Scheme: A Complete Overview

PMAY was initiated in 2015 with the aim of ensuring that every Indian resident own a personal dwelling.

PMAY-G, also known as Pradhan Mantri Awas Yojana Gramin, is a component of this programme. It was implemented on 1 April 2016 and officially inaugurated on 20 November 2016.

The Awas Yojana offers financial aid to impoverished and homeless individuals in the country to construct houses. This assistance enables citizens living below the poverty line to build their own homes.

The government consistently implements this scheme to provide housing for homeless and impoverished citizens of India. The PM Awas Yojana has two forms: Gramin, which is for rural areas, and Urban, which is for urban areas.

PM Awas Yojana Objective

The objective of the scheme are –

• Make affordable housing available to everyone.
• Offering affordable, environmentally friendly homes to low-income families and people.
• The scheme favours transgender people and poor widows.
• Awas Yojana has lower interest rates than other house loans.

PM Awas Gramin

Public housing in India was initiated after independence to provide homes for refugees. By 1960, over half a million families were provided housing across the entire country.

The emphasis on rural housing began with the implementation of the National Rural Employment Programme (NREP) in 1980 and the Rural Landless Employment Guarantee Programme (RLEGP) in 1983.

These programmes specifically targeted Scheduled Castes (SCs), Scheduled Tribes (STs), and those who had been liberated from bonded labour. IAY was established in 1985 and subsequently gained autonomy in 1996.

Its primary focus is on catering to Below Poverty Line (BPL) households. Although efforts were made to tackle the issue of inadequate housing in rural areas, the problem persisted due to the limited extent of the coverage provided.

The “Housing for All” objective to be achieved by 2022 resulted in the development of PMAY-Gramin in April 2016. The Prime Minister inaugurated it in November 2016 with the goal of addressing the housing needs in rural areas.

PMAY Urban

The PMAY-Urban initiative, inaugurated on June 25, 2015, has the objective of ensuring housing for every individual residing in urban areas by the year 2022.

The programme provides Central Assistance to states/UTs and CNAs to fulfil the need for around 1.12 crore dwellings.

The size of an EWS dwelling can be as large as 30 square metres, and states/union territories have the option to increase the size if desired.

Significantly, it requires that the female head of the household be the owner or co-owner, so giving authority to women from the economically weaker sections (EWS) and low-income groups (LIG).

PMAY  Benefits

Benefits under this Awas Yojana are-

PMAY Subsidy

Subsidy for Awas Yojana –

• PM Home Loan Interest Subsidy Scheme is designed to provide financial assistance to urban inhabitants living in rented/kutcha dwellings or slums.

• Home loans with reduced interest rates will be provided to low-income individuals.

• Provides an interest discount ranging from 3% to 6.5% on loans up to Rs 9 lakh.

• The subsidy money is directly deposited into the bank accounts of the beneficiaries.

• To provide benefits to 2.5 million applicants, with a total allocation of Rs. 60,000 crores spread over a period of 5 years.

• To improve living conditions by offering cost-effective housing options to individuals with lower incomes.

PMAY Eligibility

The eligibility criteria for Awas Yojana are –

• This initiative is only open to those who are permanent residents of India.
• The applicant must not already possess a permanent dwelling when applying for the scheme.
• Applicants must be at least 18 years old.
• The applicant’s annual income must fall within the range of 3,00,000 to 6 lakh.
• It is preferable for the applicant’s name to be listed on the ration card or BPL (Below Poverty Line) list.
• The applicant must possess a valid Voter ID card.

PMAY Documents Required

The government requires these documents:

• Aadhar card
• Photo
• Job card of the beneficiary
• Bank passbook
• Swachh Bharat Mission Registration Number
• Mobile number

Apply PM Awas Yojana

To apply for the Pradhan Mantri Awas Yojana online, you need to complete these steps.

• Access the official Awas Yojana website by visiting: https://pmaymis.gov.in

• Select the three horizontal lines in the menu bar.

• Choose “Awaassoft” from the available selections.

• Select “Data Entry” from the provided list.

• Click on the option labelled “Data Entry for AWAAS.”

• Choose your state and district, and then click on the “Continue” button.

• Input your username, password, captcha code, and select the “Login” option.

• Complete the Beneficiary Registration Form by providing personal information, beneficiary bank information, and beneficiary convergence information.

• Complete the web form and submit it.

• Await additional instructions from the relevant office.

PMAY Application Status

Steps to check status are –

• Visit the Awas Yojana portal by going to the website.

• Access the “Track Your Assessment” or “Check Status” area.

• Enter your Assessment ID to directly verify the status.

• If you do not possess the Assessment ID, choose the alternate choice.

• Please furnish specific information such as your full name, the name of your father, and the sort of identification document you possess.

• Input the necessary data with precision.

• Select the “Check Status” or “Track” button.

PM Awas Yojana List

Applicants can see the 2024 list by following these instructions:

• Access the official Government of India website.

• Select the option to see the PM Awas Yojana list.

• Ensure that you provide the necessary information with great care.

• Choose the rural area if it is relevant.

• Select your block or district.

• Examine the list that is being shown.

• If your name appears on the list, you are qualified to receive benefits.

• In the event that it is not implemented, please see the official Housing Scheme portal for additional details and to submit an application online.

PM Awas Helpline Number

If you have any issues with the aforementioned processes or require additional information on this plan, please contact the technical hotline number of Awas Yojana listed below:

• Toll Free Helpline: 1800-11-6446
• Email: support-pmayg@gov.in

Endnote

PMAY is a substantial endeavour undertaken by the federal government to cater to the housing requirements of the nation’s populace, particularly those belonging to marginalised and economically disadvantaged sections.

Nevertheless, the programme has faced numerous obstacles, such as insufficient execution, complications regarding land procurement, and deficiencies in meeting the distinct housing needs of both urban and rural regions.

In order to realise the objective of providing housing for everyone, it is necessary to execute comprehensive reforms and strategic interventions in housing policies.

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