(PMAY) Pradhan Mantri Awas Yojana 2018 Eligibility Criteria

 

Pradhan Mantri Awas Yojana 2018 (PMAY) Apply Online, Eligibility Criteria [Gramin and Urban (Sehri) ] and Application Form using pmaymis SECC 2011 List 

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.
PMAYG Pradhan Mantri Awas Yojana Gramin (Rural)
PMAYU Pradhan Mantri Awas Yojana Urban (Sheri)
Subsidy  Aprox rs 1.2 Lakhs in Gramin and rs 2.4 Lakhs in Urban
Scope of Scheme Across India
Previous Name Housing for All scheme and Indira Awas Yojana
Launched by Prime Minister Narendra Modi

Pradhan Mantri Awas Yojana Eligibility Criteria for getting Loan

  1. Should not own permanent house – An important eligibility criteria is that the applicants or any member of his/her family must not possess a permanent home in any part of the country.
  2. For EWS group – Applicants who do not earn more than 3 lakhs on a yearly basis will be categorized as EWS or Economically Weaker Sections. All candidates who have documents to prove this will be allowed to apply for a home under this scheme.
  3. For LIG group – An interested candidate who desires to get the benefits of this housing program, and has yearly earnings that is falls within 3 lakhs but is not more than 6 lakhs will be considered as a member of the Lower Income Group.
  4. For MIG 1 group – Any applicant who has a yearly earning that amount to 12 lakhs, then he/she will be categorized as Medium Income Group 1. These candidates will be able to apply for a new home provided they meet other requirements.
  5. For MIG 2 groups – Individuals who earn an annual salary of Rs. 18 lakhs or less, they will be categorized as Medium Income Group 2 category. These individuals will also be allowed to apply under the PMAY program.
  6. Carpet area of the homes – Applicants will get homes with varying carpet areas. It will depend on the category under which these applicants fall. So, candidates of EWS, and LIG sections will acquire a shelter that is of 30 sqm and 60 sqm carpet area respectively. As per the new draft, applicants from MIG 1 will be eligible to get homes with 120 sqm carpet area while MIG 2 applicants will get 150 smq.

Apart from the primary criteria, all interested candidates will have to meet some additional requirements to apply and get credit from economic institutions. Applicants will get credit to pay for the Awas yojana.

  1. For attaining a credit of 6 lakhs – In case an applicant desires to get a credit of 6 lakhs, they need to make an applicant only of their annual income that is no more than 6 lakhs. These candidates will be awarded a subvention of 6.5% with tenure of 20 years to repay the credit.
  2. For attaining a credit of 9 lakhs – People who want to acquire a loan of Rs. 9 lakhs must have an income of Rs. 12 lakhs on a yearly basis. According to the official draft, all candidates who will fall under this category will have to pay interest that will be 4% less than normal loan schemes. They need to clear the credit repayment within 20 years.
  3. For attaining a credit of 12 lakhs – For applicants who desire to acquire a credit of Rs. 12 lakhs, they must have an annual salary of Rs. 18 lakhs. Individuals who will fall under this section will be awarded with a subvention on the interest rate at 3%. Each creditor will have to pay up the entire loan amount within 20 years.

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 

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

Apply Subsidy for Pradhan Mantri Awas Yojana Urban [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 Pradhan Mantri Awas Yojana Gramin [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.

Note : You should fall in Secc 2011 list to be eligible for getting PMAYG benefits. 

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 31st March 2019 is the last date for application is being mentioned by the authority. 

What are the primary features of Pradhan Mantri Awas Yojana?

  • 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 PMAY 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 PMAY

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.

Update

Latest News Update (Jan 2018)

Govt. cuts down GST on affordable homes from 12% to 8 % For First time home buyers

According to latest updates the government has announced to cut down the GST rates to 8 percent from 12 percent. The new rates are applicable for home buyers purchasing affordable homes under the PMAY (Pradhan Mantri Awas Yojana) – CLSS scheme. The government has extended the benefit for first time home buyers having annual income equivalent to around Rs 18 lakhs. Apart from this the GST benefit will also be provided to home buyers investing in low cost home projects having 646 sq. ft. maximum carpet area.

Update 23 Feb 2018

Urban Housing Scheme – Extra Budgetary Support of Rs 60,000 Crore under PMAY

Under the latest implementations made by the Central Government- Union Cabinet has decided to invest an overall budget of Rs 60,000 crore under the PMAY-Urban scheme. The government has also stated that the new budget will be used for constructing over 1.2 crore new affordable homes by 2022 fiscal year.

The government has also stated that the additional funds will be used under BMTCP (Building Materials and Technology Promotion Council) under the MoHUA (Ministry of Housing and Urban Affairs). Under the new implementation the government aims at making use of better and advanced technology for constructing affordable homes.

As per the government additional funds will help in meeting the requirements of project completion within next 4 years. The government has also stated that the funds for the completion of the project will be released in stages by central government with Rs 1.7 crore to be released in the initial stage.

Apart from this to make the homes more affordable to the people the government will be offering with subsidy on interest for the loan under the Pradhan Mantri Home Loan scheme.

29/04/2018

M awas app has been launched fro GPRA by GSA to check application status.

25/05/2018

PM Modi have sanctioned 200 crore more for this scheme.

11/06/2018

RBI Increases Credit Limit for Purchasing Home under Pradhan Mantri Awas Yojana

RBI has decided that from now on, people belonging to EWS will be able to get more credit for purchasing affordable permanent homes. This decision will make Pradhan Mantri Awas Yojana more lucrative. But it will be offered under Private Sector Lending only. So, if any EWS candidate opts for this scheme, he/she will be able to get an increased sum of 35 lakhs as credit from banks. But the condition is that the house must be set in any metropolitan site that has 10 lakh or more population. This decision comes only after RBI declared their new repo and reverse repo rates. These have been increased to 6.25% and 6% respectively. Though people will be able to get more funds for purchasing homes.

14/07/2018

Maharashtra Government have decided that only mhada will affordable houses in its state.

23/08/2018

Home lock-in process under Pradhan Mantri Awas Yojana scheme

The central government has taken the initiative for providing Home Loan subsidy according to the Pradhan Mantri Awas Yojana. As per the lock system, people purchasing the home will not be able to sell the home before five years as per rules set by the officials. This would ensure that people who need the house are able to avail the same. To prevent misuse of the housing purchasing subsidy, this present scheme has been introduced. Permission of 54 lakh homes has been sanctioned till date. The main aim of the scheme is to provide a house to the plenty of homeless people at an affordable rate.

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  31 Responses to “(PMAY) Pradhan Mantri Awas Yojana 2018 Eligibility Criteria”

  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

  4. Hello sir,

    My annual income is 360000. and i work in bangalore.
    my native is bhawanipatna ,orissa.
    I am only person to income in my house.and even i dont have land to construct the house. In that case can i get loan for purchasing land and make house in PMNY.

    kindly please reply

  5. My Dear sir.
    I belong to midium class family, my annual income is 80000 ,and i work in siliguri.
    I need awas yojona.in that case can i get loan
    for purchasing make house metarials in PMNY.
    Kindly please riplay ,

    Harimohan Roy

  6. My name is Rohit and I am a resident of Uttar Pradesh District Hathras, my annual income is 200000. And I work in Gujarat.
    I am only a person of income in my house. And I do not have the money to build the house and now the house where my family is living is so old that I can ever fall and I request you to please help me.

    answer please

  7. I am live in pune maharashtra. But I don’t have own house. I am living in rental house. So I will apply for home in your government scheme. So can you help me for getting me a my own house. Please reply me and how I apply for this.my husband annual income is 1.5 lakh. Thanking you

    • Dear Sir,
      I am drawing a salary of Rs.13 lakhs per annum. I do not own any house. I wish to apply under PMAY scheme. I need a loan of Rs.48 lakhs. I have booked a flat in Bangalore, Yelahanka-Dodballapur road. Godrej properties. Can I get a loan of Rs.48 lacs with the subsidy of Rs.2.30 lacs and 20 years repayment period.

  8. My name is Reahana, we are from telangana, warangal distic. Aur annual income is 80000, my dad accupation is auto driver we are middle class family we dont have home sir so i can never fall and i request you to pleasd help me.. now we are living in rental house..

  9. Hi
    Dear sir
    I need a my own house, I don’t have any property under my name or my family name so pls consider to my application

  10. Sir how to apply for this scheme?

  11. I am Pramod Helwade working as LIC agent 61 years aged having one son and one daughter with my wife and my two younger brothers living together on rental basis every year on contract of 11 months.I have submitted my application in Daund Nagarpalika Dist. Pune, Maharashtra earlier, till date I have not received any feedback of my application..please do the needfuls and oblige.

  12. I am trying to registered many time but not get success because of not getting registration link there only login option is available.
    But in slum dwellers have the option to put all details what is use of this section…??
    and please inform how to get registered as i am really in need
    we have an old (Kaccha)house of my grandpa, Only I am in family who is responsible for every thing, leaving with wife, parents and two younger sister.
    Please do the needful.
    and guide me….

  13. dear sir,

    I have a small house at Kitadih (near tatanagr railway station) I live here around last 38 years , but very sad to mr. Ragubar Das CM , Jharkhand , and honarable priminister Mr. Nernder domadar modi, there totaly dry area in a year 3-4 months having water, around 9 months dry suffering , please try do arrange supply water, plase take necessary action from your end
    thanking , with warm regards, A.K.Chatterjee, Mail ID. ac12091958@gmail.com

  14. In the pmay i have filled out the form which has got the assessement id but i do not know how to put a username queue will you help me get the password and username? what username and password can be found after the demand draft

  15. sir,
    I have no property in my own. So is am eligible for Pradhan Mantri Awas Yojana?

  16. Im. Leaving from 10 years for rented house even i’ve applied for this yojna i dont have my own house all my income is being applied in my rent so what can i do even i need helping hand ot owe my own house help is necessary do help me

  17. I request you to provide maximum subsidy for my home loan when applied now, since iam living in a rented house with my family and i don’t own any property for my own all my life period.

  18. Respected sir,
    I am Manoj Adhikary,reciding at kolkata(West Bengal). I belong a lower midium class family, I have not any proparty and a Home,I am eligible for Pradhan Mantri Awas Yojana.I tried to appli for PMAY loan,but I can’t do this,
    So,please help me sir.

  19. i am from vijayawada. i have taken home loan recently from DHFL home loans. i want to apply for PMAY scheme hoe to be link to my Loan

  20. I am Suparna Bhowmick..I live in Kolkata West Bengal…I have own land but there has a rooms..I have five family member..so I want to build home this land..Am I eligible for prodhan Montri awaj jojona?

  21. Dear sir I am 80 year old widow staying with my physically and mentally weak son and grandson .My grandson is a slow learner studied upto 7 th standard . with his ability he earns a little. we 3 are staying in a rental flat. Our medical expenses and flats rent keeps us in miserable condition to survive. I tried so many times for PMAY scheme…could not access it .C an u please help me to get a shelter of my own? As our prime minister Modij is very sympathetic to weak people I have lot of hope for it.

  22. Respected sir
    My name is Praveen Madikeri kodgu distic .old house family in 3 members fother no plzz kindly send us the opportunity to hose old house 20 years complete sir I tried so many times PMAY schem

  23. Hello Sir, I have submitted all my documents for PMAY subsidy. It has been almost an year now but no progress so far. I have been told that previous claims are not yet settled by National Housing Bank. So my subsidy is on hold until the old claims are settled.

    Please advise:

    1. How many days the subsidy will take ?

    2. I have not received any kind of formal acknowledgment from lender stating claims are done in bulk so the ref # or claim id # is not available.

    Please suggest whom should I reach out to get this sorted out. Lender just tells stories during my visits to them as they want earn more interest and suck the people earnings!!!

    I believe most of lenders are not implementing the scheme effectively.

    Thanks,

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