Apply Pradhan Mantri Awas Yojana (PMAY) [Gramin and Urban (Sehri) ] and Application form

 

(pmaymis.gov.in) Apply Pradhan Mantri Awas Yojana (PMAY) [Gramin and Urban (Sehri) ] and Application form

Pradhan Mantri Awas Yojana aka PMAY or Housing for all is a housing scheme for all the people who belong to lower income group, economically weaker section and Middle Income Group in India. Launched in 2015, it is a housing development project from central government that will deliver 2 Cr permanent houses in urban as well as rural areas by the year 2022. The phase I of the project is already over by March 2017 and the second phase has already started. It is divided into two parts, PMAY Urban and PMAY Gramin.

  • Under PMAY-Urban, the houses will be constructed within the urban areas. Mainly the congested slums areas will be removed to deliver pucca or permanent houses to the inhabitants of the slums and other people from LIG ,EWS and MIG categories.
  • In the PMAY-Gramin scheme, people from rural areas will get their pucca houses. Those who are living in rented houses or own house but needs reconstruction, can apply for this scheme.

PMAY Pradhan Mantri Awas Yojana

Launched on June  2015, the primary aim for this Yojana is to ensure that 2 crore houses are built across nation’s length and breadth. The estimated completion year for the scheme is 2022, which means that these 2 crore homes will be constructed over a period of 7 years.

Here are the quick highlights of Pradhan Mantri Awas Yojana in a tabular format:

Parameters Details
Scheme Name Pradhan Mantri Awas Yojana
Launch Date June, 2015
Estimated Time for Completion 7 years (2022)
Primary Objective Providing affordable houses to Indian citizens
Number of Houses to be Built 2 crores +
Primary Target Group Poor people of India belonging to LIG, EWS  and MIG groups.
Primary Target Area LIG, EWS and MIG people of urban and rural area.
Scope of Scheme Across India
Previous Name Housing for All scheme
Launched by Prime Minister Narendra Modi

Phases of Pradhan Mantri Awas Yojana

The Pradhan Mantri Awas Yojana has its blueprint divided into three phases. In other words, the scheme is designed to be completed in three phases, which are:

Phase I

Phase I (one)
Target Date of Start April 2015
Target Date of Ending March 2017
Number of Cities Targeted 100 cities in India
What to Expect? Development and completion of affordable houses under the scheme.

Phase II

Phase II (two)
Target Date of Start April 2017
Target Date of Ending March 2019
Number of Cities Targeted 200 cities in India
What to Expect? Development and completion of affordable houses under the scheme.

Phase III

Phase III (three)
Target Date of Start April 2019
Target Date of Ending March 2022
Number of Cities Targeted All remaining cities in India
What to Expect? Development and completion of affordable houses under the scheme.

Process to Apply for Pradhan Mantri Awas Yojana Gramin(rural) and Urban (Sehri) [Online (csc) and Offline]

There are three modes of application under the PMAY scheme. They are offline, online and through CSCs for the urban and rural areas.

Apply for PMAY (U):

  • Offline: In case of offline registration, there is a demand survey by the urban local bodies. This survey will be conducted to find and organise the list of people living under LIG category (annual income not more than Rs. 6 Lac) and EWS category (Annual Income not more than Rs. 3 Lac). Once the survey will be done, verification process will start and the registration will began accordingly.
  • Online process: In case of online process the applicant can register for free of cost through the pradhan mantri awas yojana ministry official website. The link for the website is http://pmaymis.gov.in/. Click on the link and find the registration or sign up form available on the website. Fill it up with required information regarding the loan and applicant’s identity. Submit the form online after successfully completion of the filling up.
  • CSCs: Common Service Centres are being established in many places across the nation. Applicants are required to submit all their documents in these CSCs and a minimum registration fee of Rs. 25/- plus service charge for the registration under PMAY (U) scheme.

Apply for PMAY (G)

  • Offline: For PMAY (G) the Gramin Sabha will be in charge for the demand survey. The authorities will conduct the survey in which LIG and EWS categories will be identified to make a list of targeted population. This list should be submitted to the PMAY local authorities for further registration process.
  • Online: The online registration process for the PMAY (G) is same as the PMAY (U). The applicant can register through the official ministry website for PMAY without spending anything.
  • CSCs: As mentioned CSCs are being established everywhere to process the registration. The applicant is required to spend Rs. 25/- as a service charge and registration fee to the authorities in CSCs to process the registration.

Documents Required for PMAY application

  • One of the mandatory documents to be submitted for the scheme registration is Aadhaar card. If the applicant by chance does not hold Aadhaar card, then the CSCs will help the applicant to get his card with proper registration.
  • Another mandatory document to be submitted is the BPL certificates. People who are living in rural areas or in urban areas, belonging to EWS or LIG groups need to submit their income certificates along with their identity and address proof.

Application form of PMAY (U) and PMAY (G)

The application form is available online only. If the applicant is filling up the form through online, then he/she has to download it and submit it online after filling it up properly. Those who are registering through CSCs can get those forms in hand from the centres. The authorities take out the forms printed and deliver them along with an acknowledgement slip to the applicant against Rs. 25/-. The applicant has to submit the form in CSCs after filling it properly.

Name, contact, gender, date of birth, category, annual income, aadhaar number, BPL certificate details and such are the mandatory options in the form. Also the applicant must mention about the house loan they want such as for construction of new house or renovation of old home.

Status Check: Track your application

After registration, you need to check whether your application gets accepted for the loan or not. To check or track the status of your application, you must click on the following link http://pmaymis.gov.in/Search_Name.aspx. In this page you will find a small empty text box where you have to enter first 3 letters of your name. Once you submit that a long list of applicants’ name will be shown. You can find your name in the list and can get the details of your application status.

Who are the target group of Pradhan Mantri Awas Yojana?

PMAY is launched for the people who have lower income and don’t have their own house to live in. The main targeted population of the scheme is the people living under EWS and LIG. Also people who are living below the poverty line can also be the part of this scheme.

In recent time the central government has stated that the middle income group of MIGs will also be eligible for this PMAY scheme. The loan amount is also increased to 12 Lac from 6 Lac.

Last Date to apply for the PMAY Loan:

The second phase has been started from April 2017 for the scheme. As of now no last date for application is being mentioned by the authority. The application details will be available on their website http://pmaymis.gov.in/.

What are the primary features of Pradhan Mantri Awas Yojana?

The Pradhan Mantri Awas Yojana comes with several important features which are summed up in the bullet list provided below:

  • A subsidy will be granted to people to all eligible people of urban and rural population. The subsidy will come from central government treasury and will range anywhere between INR 1 lakh and INR 2.30 lakh. This subsidy will allow people from target segment to afford a house under the scheme.
  • Government will also offer subsidy for interest rates on loans availed for the Yojana. 6.5% interest rate subsidy will be offered to the beneficiaries against the loans they avail. This interest subsidy will last for a period of 15 years from the date on which the loan is disbursed to the borrower.
  • Female members will get preference when it come allotment of houses under this scheme. Simply put, applications from female beneficiaries will be accepted easily compared to applications from male beneficiaries. This makes the scheme a pro-women scheme.
  • For ground floor houses, the government will give first preference to people who are differently abled or those people who are aged.
  • The government has strictly instructed that the housing enclaves developed under the scheme strictly follow eco-friendly construction technology.

Drastic reduction of EMI under Pradhan Mantri Awas Yojana

The Pradhan Mantri Awas Yojana comes with a promise of subsidized interest rate of 6.5% against housing loans under the scheme. Currently the market rate for interest on housing loans is 10.5%. This means that those who want to avail housing loans for the scheme, they will enjoy a rate of interest which is 4% below the market rate. This clearly implies that there will be a drastic reduction in the amount of EMI one needs to repay every month.

Let us take a quick example of how much reduction can be expected in EMI payments under the Pradhan Mantri Awas Yojana.

Let us assume that a person takes out a loan of INR 6,00,000 under normal market rates (10.50%) for a loan tenure of 15 years. Thus, the amount of EMI he or she needs to pay per month will be INR 6,632 per month. In case the person wants to take out the same loan under the housing scheme, the interest rate applicable will be 6.5%. This will lead to an EMI of INR 4,050 a month. This means that under the scheme, the person needs to pay well over INR 2000 less compared to what he or she would normally pay under normal or market interest rates. This is a drastic drop in EMI, making home purchase far more pocket friendly for LIG and EWS people of the urban sectors of the nation.

Credit-Linked Subsidy Scheme of Pradhan Mantri Awas Yojana

One of the key features of Pradhan Mantri Awas Yojana is its credit-linked subsidy scheme. We have already mentioned two important features of this housing scheme, which are:

  1. Government loan of up to INR 600,000 for a period of 15 years or less.
  2. Subsidized interest rate of 6.5%.

Now, these two components are not different from each other. In fact, one complements the other in such a way that they cannot exist independently.

To further explain…

The interest rate of 6.5% will be applicable only if someone applies for a home loan under the Pradhan Mantri Awas Yojana. There are some rules to this. The rules are:

  1. The loan amount cannot exceed 600,000 rupees if the subsidized interest rate is to be enjoyed.
  2. If the loan amount is greater than INR 600,000, any amount above that mark will be subject to normal market interest rates. So, if a person applies for INR 700,000 as loan, he or she will have to pay normal market interest rate (for home loans) for the additional INR 100,000.
  3. A person has to be from EWS or LIG category to be able to avail this loan.
  4. The subsidized rate of interest will be available for a maximum of 15 years. This means that if a person is taking out a loan for say, 20 years, he or she will have to pay 6.5% interest for first 15 years and then the interest rate will be increased to market rate for home loans. If, the tenure of the loan is less than 15 years, the subsidized rate will be applicable as the loan tenure will not exceed 15 years anyway.
  5. The loans can be availed for purchasing a new house constructed under the Pradhan Mantri Awas Yojana but that is not mandatory. This means that a person from LIG or EWS category can take out a loan under this scheme even if he or she already has a house that requires extension or renovation or he or she actually wants to build a new home on his or her own instead of purchasing a new apartment from the pool of housing units constructed under the government scheme.
  6. If the loan is taken for extension or renovation of a new house, the carpet area of the house has to be 30 square meters for EWS category people and 60 square meters for LIG category people. If this condition is not met, loan under this scheme cannot be availed.

Cities selected by government for Pradhan Mantri Awas Yojana

The government has come up with a list of all cities in different states and union territories where housing units will be constructed under the Pradhan Mantri Awas Yojana. The complete list is provided below:

State Cities
Andhra Pradesh Adoni
Amaravati Capital City
Anantapur
Bhimavaram
Chilakaluripet
Chirala
Chittoor
Dharmavaram
Eluru
Gudivada
Gudur
Guntakal
Guntur
GVMC
Hindupur
Kadapa
Kadiri
Kakinada
Kavali
Kurnool
Machilipatnam
Madanapalle
Mangalagiri
Nandyal
Narasaraopet
Nellore
Ongole
Palacole
Proddatur
Rajahmundry
Rayachoti
Srikakulam
Srikalahasti
Tadepalligudem
Tadpatri
Tenali
Tirupati
Vijayawada
Vizianagaram
Yemmiganur
Chhattisgarh Ahiwara
Ambikapur
Bade Bacheli
Bagbahara
Baikunthpur
Balod
Baloda Bazar
Bhatapara
BhilaiCharoda
Bhilai Nagar
Bijapur
Bilaspur
Birgaon
Champa
Chirmiri
Dantewada
Dhamtari
Durg
GobraNawapara
Jagdalpur
JashpurNagar
Kanker
Kawardha
Kondagaon
Korba
Mahasamund
Mana-Camp
Manendragarh
Mungeli
Naila-Janjgir
Narayanpur
Pendra
Raigarh
Raipur
Rajnandgaon
Sukma
Gujarat Ahmedabad
Amreli
Anand
Anklesvar
Bharuch
Bhavnagar
Bhuj
Deesa
Gandhidham
Gandhinagar
Himatnagar
Jetpur
Kadi
Kalol
Mahesana
Morbi
Navsari
Palanpur
Patan
Rajkot
Savarkundla
Sidhpur
Surat
Una
Unjha
Vadodara
Vallabh Vidyanagar
Valsad
Vapi
Visnagar
Haryana Faridabad
Gurgaon
Hisar
Karnal
Panipat
Rohtak
Sirsa
Sonipat
Yamunanagar
Himachal Pradesh Baddi
Bilaspur
Chamba
Dharmsala
Hamirpur
Kullu
Mandi
Nahan
Nalagarh
Parwanoo
Shimla
Solan
Una
Jammu & Kashmir Anantnag
Badgam
Baramula
Bashohli
Bhaderwah
Bijbehara
Doda
Ganderbal
Handwara
Jammu
Kargil
Kathua
Kishtwar
Kupwara
LehLadakh
Pulwama
Punch
R.S. Pora
Rajauri
Ramban
Samba
Shupiyan
Sopore
Srinagar
Udhampur
Jharkhand Bokaro Steel City
Chas
Chirkunda
Deogarh
Dhanbad
Dumka
Giridih
Gumla
Hazaribag
Jamshedpur
Lorahdaga
Medininagar
Phusro
Ramgarh Cantonment
Ranchi
Kerala Alappuzha
Kalpetta
Kannur
Kasaragod
Kochi
Kollam
Kottayam
Kozhikode
Malappuram
Palakkad
Pathanamthitta
Thiruvananthpuram
Thodupuzha
Thrissur
Madhya Pradesh Agar
Alirajpur
Anuppur
Ashoknagar
Ashta
Balaghat
Barwani
Berasia
Betul
Bhind
Bhopal
Bina-Etawa
Budni
Burhanpur
Chandla
Chhatarpur
Chhindwara
Dabra
Damoh
Datia
Dewas
Dhar
Dindori
GanjBasauda
Guna
Gwalior
Harda
Hoshangabad
Indore
Itarsi
Jabalpur
Jhabua
Khajuraho
Khandwa
Khargone
Khurai
Maihar
Manawar
Mandla
Mandsaur
Morena
Murwara (Katni)
Nagda
Narsimhapur
Nasrullaganj
Neemuch
Panna
Patharia
Pithampur
Raisen
Rajgarh
Rampur Baghelan
Ratlam
Rehti
Rewa
Sagar
Sarni
Satna
Sehore
Sendhwa
Seoni
Shahdol
Shahganj
Shajapur
Sheopur
Shivpuri
Sidhi
Sihora
Singrauli
Sonkatch
Tikamgarh
Ujjain
Umaria
Vidisha
Manipur Andro
Bishnupur
Heirok
Imphal
Jiribam
Kakching
KakchingKhunou
Kumbi
Kwakta
Lamlai
Lamsang
Lilong (Imphal West)
Lilong (Thoubal)
Mayang Imphal
Moirang
Moreh
Nambol
Ningthoukhong
Oinam
Samurou NP
Sekmai Bazar
SikhongSekmai
Sugnu
Thongkhong Laxmi Bazar
Thoubal
Wangjing
Wangoi
Yairipok
Nagaland Changtongya
Chumukedima
Dimapur
Jalukie
Kiphire
Kohima
Longleng
Medziphema
Mokokchung
Mon
Naginimora
Peren
Pfutsero
Phek
Tseminyu
Tuensang
Tuli
Wokha
Zunheboto
Odisha Anandpur
Athagad
Balangir
Baleshwar
Banapur
Banki
Bargarh
Baripada
Bhadrak
Bhawanipatna
Bhubaneswar
Biramitrapur
Brahmapur
Brajarajnagar
Byasanagar
Choudwar
Cuttack
Debagarh
Dhenkanal
Jagatsinghapur
Jajapur
Jeypur
Jharsuguda
Kantabanji
Khariar
Khordha
Kochinda
Konark
Koraput
Malkangiri
Nayagarh
Paradip
Puri
Rairangpur
Rajagangapur
Raurkela
Rayagada
Sambalpur
Sundargarh
Talcher
Titlagarh
Umarkote
Rajasthan Ajmer
Alwar
Balotra
Banswara
Baran
Beawar
Bharatpur
Bhilwara
Bhiwadi
Bikaner
Bundi
Chaksu
Chittaurgarh
Churu
Dhaulpur
Falna
Ganganagar
Gangapur City
Hanumangarh
Hindaun
Jaipur
Jhalawar
Jhunjhunun
Jodhpur
Kishangarh
Kota
Makrana
Nagaur
Nathdwara
Pali
Pratapgarh
Pushkar
Rajsamand
Sardarshahar
SawaiMadhopur
Sikar
Sujangarh
Tonk
Udaipur
Vijainagar
Telengana Achampet
Adilabad
Armur
Bhongir
Bodhan
Gajwel
GHMC
Jangaon
Karimnagar
Khammam
Mahabubabad
Mahbubnagar
Medak
Metpalle
Miryalaguda
Nagarkurnool
Nalgonda
Nirmal
Nizamabad
Palwancha
Sangareddy
Siddipet
Sircilla
Suryapet
Vicarabad
Wanaparthy
Warangal
Zahirabad
West Bengal Alipurduar
Arambag
Asansol
Ashokenagar Kalyangarh
Baduria
Baidyabati
Balurghat
Bankura
Bansberia
Baranagar
Barasat
Barddhaman
Barrackpore
Baruipur
Basirhat
Beldanga
Berhampore
Bhadreswar
Bhatpara
Bidhannagar
Birnagar
Bishnupur
Bolpur
Bongaon
Budge Budge
Chakdaha
Champdani
Chandannagar
Chandrakona
Contai
Cooper’s Camp
Dainhat
Dalkhola
Dankuni
Darjeeling
Dhulian
Dhupguri
Diamond Harbour
Dinhata
Dubrajpur
Dum Dum
Durgapur
Egra
English Bazar
Gangarampur
Garulia
Gayespur
Ghatal
Gobardanga
Guskara
Habra
Halida
Haldibari
Halisahar
Howrah
Hugli-Chinsurah
Islampur
Jalpaiguri
Jangipur
JaynagarMazilpur
Jhalda
Jhargram
Jaiganj-Azimganj
Kaliaganj
Kalimpong
Kalna
Kalyani
Kamarhati
Kanchrapara
Kandi
Katwa
Kharagpur
Kharar
Khardah
Kooch Bihar
Kolkata
Konnagar
Krishnanagar
Kshirpai
Kurseong
Madhyamgram
Maheshtala
Mal
Mathabhanga
Medinipur
Mekliganj
Memari
Mirik
Murshidabad
Nabadweep
Naihati
Nalhati
New Barrackpore
North Barrackpore
North DumDum
Old Malda
Panihati
Panskura
Pujali
Puruliya
Raghunathpur
Raiganj
RajpurSonarpur
Ramjibanpur
Rampurhat
Ranaghat
Rishra
Sainthia
Santipur
Serampur
Siliguri
Sonamukhi
Suri
South DumDum
Suri
Taherpur
Taki
Tamluk
Tarakeswar
Titagarh
Tufanganj
Uluberia
UttarparaKotrung

Union territories that will be covered under this scheme are:

  • Andaman and Nicobar Islands
  • Chandigarh
  • Dadra and Nagar Haveli
  • Daman and Diu
  • Lakshadweep
  • National Capital Territory of Delhi – Delhi
  • Puducherry (previously Pondicherry)

All about the subsidy, interest rate and EMI calculations:

The equated monthly installment to be paid on the housing loan under this government scheme will be decreased to a considerable amount. The loan facility for this housing scheme is now available at 10.5 percent of interest rate. In accordance with the calculation, the equated monthly installment on these types of loans of six lakhs for a long duration of fifteen years falls somewhere around 6,632 rupees.

According to the PMAY, the new announce equated monthly installment will be four thousand fifty rupees and this is because of the subsidy of 6.5 percent. Therefore, the applicants will get the advantage of saving a minimum of two thousand rupees in the payment of Equated monthly installment. The beneficiaries will get the central grant of approximately one lakh rupees. The individuals who belong to LIG and EWS will be offered with 6.50 percent subsidy with the assistance of credit linked subsidy scheme.

Please follow this link to Read Awas Yojana in Hindi.

Other Schemes

  3 Responses to “Apply Pradhan Mantri Awas Yojana (PMAY) [Gramin and Urban (Sehri) ] and Application form”

  1. sir i belong to medium class family and i need bank loan but many times he tell me bank cant give any bank loan then what can i do ? sanjeev

  2. Rajasthan me Ajmer jile me srkar be awas yojna to chlae h lekin bnaya nhi

  3. Sir I belongs to a medium class family i want the yawas yojana

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