All details of Pradhan Mantri Awas Yojana Rural and Urban List, Eligibility, Subsidy and Loan Status

The Pradhan Mantri Awas Yojana (PM Awas Yojana) was launched on 25 June 2015 with the aim of providing houses to every poor of the country. Under the scheme, subsidy is given to the beneficiary to build a house.

The amount of subsidy may vary according to the income. Not only this, 20 years are given to repay the loan. On which the rate of interest is very low. The scheme is divided into two parts, urban and rural. To take advantage of the Pradhan Mantri Awas Yojana, many conditions have to be followed. If you also want to take advantage of this scheme, then you can read all the information related to it through this article.

Special features of Pradhan Mantri Awas Yojana

• This scheme is operated by the Central Government.
• Loan is taken to buy a house through Pradhan Mantri Awas Yojana. On which the government also gives subsidy on the basis of income and category of the person. There is no provision of subsidy on the payment of its loan.
• You can apply for Pradhan Mantri Awas Yojana sitting at home. Not only this, whether your name is there in the list or not, it can also be checked by going online. For which a simple process has to be followed.
• Any person whose annual income is less than Rs 3 lakh can apply for this.
• In this, money is given in three installments.
• A subsidy of up to Rs 2.5 lakh is provided by the government. So that there is no financial burden on any poor family for building or buying a house.
• The first installment received under the scheme is Rs 50 thousand, the second installment is Rs 1.5 lakh and the last i.e. the third installment is Rs 50 thousand. Also, the rate of interest charged on the loan is also much lower as compared to the home loan available from normal banks.
• This scheme was started with the aim of providing a pucca house to every family in the country.

Pradhan Mantri Awas Yojana at a glance

Eligibility for Pradhan Mantri Awas Yojana

1. Must be an Indian citizen above 18 years of age. Candidates up to a maximum age of 55 years can apply.
2. Once the benefit under the scheme has been availed, it cannot be availed again.
3. There should be no pucca house anywhere in India.
4. Should not have already taken any government grant to buy a house.
5. The candidate must belong to the Low Income Group (LIG), Economically Weaker Section (EWS) or Middle Income Group (MIG 1 or 2) category.
6. Beneficiary can include husband, wife and unmarried children.
7. An adult, whether married or not, can be considered as a separate household. That is, if he wants, he can take a separate loan for himself under the Pradhan Mantri Awas Yojana.

Eligibility according to income in Pradhan Mantri Awas Yojana

Benefits of Pradhan Mantri Awas Yojana

• Providing pucca houses to poor and middle class families.
• Subsidy up to Rs 2.5 lakh is given through Pradhan Mantri Awas Yojana.
• Loan and loan subsidy is given according to the income in the scheme.

Subsidy Calculator of Pradhan Mantri Awas Yojana

• To calculate the subsidy, you have to visit the official site of Pradhan Mantri Awas Yojana https://pmaymis.gov.in/.
• On the home page, you have to go to the option of subsidy calculator.
• A new page will open in front of you. In which annual income, loan amount and loan period will have to be filled.
• After filling the information, the subsidy amount will appear on the screen in front of you.

States taking more benefits of Pradhan Mantri Awas Yojana

There are some states of India which have taken maximum advantage of this scheme. These include Jharkhand, Odisha, Chhattisgarh, Uttar Pradesh, Madhya Pradesh, Rajasthan and West Bengal.

Online application for Pradhan Mantri Awas Yojana

1. First of all go to the official site of Pradhan Mantri Awas Yojana https://pmaymis.gov.in/.
2. After this, on the main page, you will see the option of ‘Citizen Assessment’.
3. After clicking, click on the option of ‘Online Application’.
4. Now go to the option of ‘In Situ Slum Redevelopment’ to apply online.
5. In which you will have to fill the Aadhaar number and name. After that click on check to verify the details.
6. Now Format A will open in front of you. In which information like state name, district name, city name, planning area / development area, name of the head of the family, gender, father’s name, age of the head of the family, present address, contact visit, permanent address will have to be filled.
7. Along with this, the Aadhaar number will appear, after which you will have to submit the identity card.
8. Fill all the information properly. After that fill the captcha shown on the screen and save the application.
9. Your application for Pradhan Mantri Awas Yojana will be done as soon as you submit it.

Documents required for Pradhan Mantri Awas Yojana

For salaried candidates

• Aadhar Card, PAN Card, Voter ID
• caste certificate
• income certificate
• Permanent Address Details
• Bank statement of the last six months
• Form 16/Income Tax Assessment Order
• all about construction
• construction contract details
• advance receipt
• Affidavit (in which it is written that the applicant does not have a permanent house anywhere in India)
• It is necessary to take NOC from the housing society or competent authority.

Documents for others

• Identity Card (Aadhaar Card, Vater ID Card, PAN Card, Driving License)
• caste certificate,
• income certificate,
• Form 16,
• Documents required in case of business,
• Bank statement of the last six months,
• construction plan,
• advance payment information,
• Allotment letter of the property/agreement,
• Affidavit (in which it is written that you do not have a permanent house anywhere in India)

Offline application for Pradhan Mantri Awas Yojana

If you want, you can apply for the scheme on offline basis also. For this you have to go to the bank or CSC center. who are working under this scheme. In this you will have to pay a fee of Rs 25. You will have to take the application form and fill all the information asked in it. This information will be the same as the information filled in the online application.

Documents required for offline application for Pradhan Mantri Awas Yojana

1. Aadhar card,
2. Permanent Address Details
3. Address proof
4. income certificate
5. caste certificate
6. resident certificate
7. property valuation certificate
8. Affidavit (In the affidavit you will have to write that you do not have a permanent house anywhere in India)
9. It is necessary to take NOC from the competent authority at the time of offline application.

Download online form of Pradhan Mantri Awas Yojana

• To download the application form, you must first go to the official site of Pradhan Mantri Awas Yojana https://pmaymis.gov.in/.
• Fill the information sought in it like your name, father’s name, mobile number, assessment ID. After which you will get the option of Pradhan Mantri Awas Yojana online form.
• The form will open on the screen. In which you will also get the option to download.

Application status information in Pradhan Mantri Awas Yojana

1. Whether your application has been accepted or not, you can find out the status of this online sitting at home.
2. For this you have to go to the official website https://pmaymis.gov.in/default.aspx.
3. Now select the option of Citizen Assessment.
4. After that go to the option of Track Your Assessment Status.
5. Now check the application status through Assessment ID or registered mobile number.
6. With the help of the option of Assessment ID, you will have to fill the Assessment ID and registered mobile number.
7. In the second option, name and mobile number will be required.
8. After this, after completing the details like state, district, city, father’s name, ID, the status of the application will be known in front of you.

Who is not eligible for Pradhan Mantri Awas Yojana

• Such persons who have a pucca house in any corner of the country.
• Individuals below 18 years and above 55 years of age.
• Individuals whose annual income is more than Rs.18 lakhs.
• Individuals who are already taking advantage of any other government scheme to buy a house. Or those who have taken government grant.

How to see your name in the Pradhan Mantri Awas Yojana list?

The names of the beneficiaries of this scheme run by the Central Government are released every year. To check your name in the list, you have to follow the procedure given below-

1. First of all go to the official site https://pmaymis.gov.in/.
2. Now you have to go to the option of Citizen Assessment.
3. On the new page that opens, click on Track your assessment status.
4. Now you have to fill your registration number.
5. Now choose your state, district, city, after which it will be visible whether your name is in the list or not.

Affordable Rental Housing Complex, a sub-scheme of Pradhan Mantri Awas Yojana

Many people migrated from the cities during the Corona epidemic. The main reason behind which was that they did not have jobs. Due to which they were not able to pay the rent. In view of that problem, the central government started a sub-scheme of Pradhan Mantri Awas Yojana. In which rental apartments are provided to people at affordable rates. So that the cost of rent can be reduced for people to live in other cities.

Toll free number of Pradhan Mantri Awas Yojana

If you want an answer to any question related to the Pradhan Mantri Awas Yojana or have a complaint related to it, then for this the government has also issued a toll free number and email address.

• Toll Free Number – 011-23060484, 011-23063285
• Email ID – pmaymis-mhupa@gov.in, public.grievance2022@gmail.com