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Pradhan Mantri Awas Yojana: Features, Eligibility Criteria, Documents Required and How to Apply?
This story is from December 16, 2019

Pradhan Mantri Awas Yojana: Features, Eligibility Criteria, Documents Required and How to Apply?

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NEW DELHI: Introduced by the Prime Minister, Narendra Modi, the Pradhan Mantri Awas Yojana is a flagship project that aims to provide affordable housing to the urban poor. This scheme aims to build economical houses in selected cities and towns using eco-friendly construction methods.
Furthermore, PMAY is categorized in 2 types:
Pradhan Mantri Awas Yojana - Urban: It aims to cater to the needs who reside in urban areas. People who belong to the Economically Weak Section (EWS) or Low Income Group or Middle Income Group can avail its benefits.
Pradhan Mantri Awas Yojana - Gramin: Under this category, only those people are eligible to avail the benefits of the scheme who are homeless or reside in one or two-room kutcha houses according to the data collected from the Socio-Economic and Caste Census 2011.
Features of the Pradhan Mantri Awas Yojana
Mentioned below are the important features of Pradhan Mantri Awas Yojana:
  • Under the Pradhan Mantri Awas Yojna scheme, the subsidy interest rate is provided at 6.50% per annum on housing loan for a term of 20 years to all the beneficiaries
  • Ground floors are preferably allocated to the differently abled and senior citizens
  • Usage of sustainable and eco-friendly technology for construction
  • Entire urban areas are covered under this scheme
  • The credit linked subsidy aspect of the scheme gets executed in India in all statutory towns from the very first stage

Beneficiaries under the Pradhan Mantri Awas Yojana
Below is the list of specific groups that are targeted under the Pradhan Mantri Awas Yojana:
  • Women
  • Scheduled Caste
  • Scheduled Tribe
  • Economically Weaker Section
  • Low Income Group Population
  • Medium Income Group 1
  • Medium Income Group 2

Eligibility criteria to apply for the Pradhan Mantri Awas Yojana
The Socio-Economic and Caste Census of 2011 is used by the government for identifying the beneficiaries of the Pradhan Mantri Awas Yojana. This scheme makes sure that housing aid is provided to the deserving ones. Before finalizing the beneficiary list, the village panchayats are consulted.
Given below are the eligibility criteria on the basis of which beneficiaries are selected:
  • Only Indian citizens who are women can apply for the scheme
  • A household with a total annual income between Rs 6 lakh to Rs 18 lakh is eligible for the scheme
  • Senior citizens and those who are differently abled are eligible
  • One who already owns a house cannot apply for the scheme
  • Those who have already availed the benefit of the Pradhan Mantri Awas Yojana cannot apply again for the scheme
  • Those who belong to the low-income group (LIG) and economically weaker sections (EWG) in the society are eligible
  • Indian citizens who are from scheduled tribes and castes are eligible

Documents required for PMAY
Proof of identity:
  • PAN card
  • Voter ID card
  • Aadhaar card
  • Passport
  • Driving license
  • Photo credit card
  • Photo identity card issued by the Government
  • A letter issued by a recognized public authority that confirms the identity of the customer with a photograph

Proof of address:
  • A letter issued by recognized public authority confirming the identity and residence of the applicant
  • Rent agreement
  • Life insurance policy
  • Residence address certificate
  • Voter ID card
  • Aadhaar card
  • Passport

Proof of income:
  • Last six months bank statement
  • ITR receipts
  • Salary slips for the previous two months

Proof of purchase of the property (if applicable):
  • Sale deed
  • Sale/purchase agreement
  • Property registration certificate (if available)
  • Copy of receipt of payment made to the developer (if applicable)

How to apply online?
Given below are the simple steps that need to be followed for applying for the Pradhan Mantri Awas Yojna:
Visit the official website of Pradhan Mantri Awas Yojana i.e. http://pmaymis.gov.in/
On the homepage, from the 'Menu' tab, click on the option 'Citizen Assessment' to see a drop down menu
Now, enter the 12-digit Aadhaar card number
After entering the Aadhar card number, you will be redirected to the application page
Further, you will have to fill in the following:
  • Personal details
  • Income details
  • Current residential address
  • Bank account details

After filling in the above details, click on the option 'I am aware of', which is there at the end of the page and click on 'Save'
Now you will see a system generated application number that can be used for future reference
Download and print the application
Now, submit the form at the nearby Common Service Centre Office and banks along with the supporting documents
Moreover, those who wish to apply for the scheme but do not have access to the internet must not worry. Offline mode is the other option for application. The applicant is required to visit a Common Service Centre (CSC) run by the state governments or a PMAY listed bank. A registration fee of Rs 25 plus GST is payable for offline application.
Listed down are the most common questions asked on PMAY:
  1. What is Pradhan Mantri Awas Yojana?
    The Pradhan Mantri Awas Yojana is a flagship project that aims to provide affordable housing to the urban poor.
  2. Who are the beneficiaries under the PMAY?
    • Women
    • Scheduled Caste
    • Scheduled Tribe
    • Economically Weaker Section
    • Low Income Group Population
    • Medium Income Group 1
    • Medium Income Group 2
  3. How to apply for PMAY?
    You can apply for the yojana through the following:
    • Online: You can visit the official website of the scheme to apply online.
    • Offline: You can fill up a form available through Common Service Centre (CSC).
  4. What are the documents required to apply for PMAY?
    • Proof of identity
    • Proof of address
    • Proof of income
    • Proof of purchase of the property
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