Pradhan Mantri Awas Yojana has been started by the Central Government with the aim of providing easy housing to all the needy people living below the poverty line in our country. Under this scheme, all those needy and poor people of India can easily get housing for themselves and can easily fulfill their dream of having their own house. What are the qualifications required for Pradhan Mantri Awas Yojana? Also, how can you easily avail the benefits of this scheme? Let us know about it in great detail –
Pradhan Mantri Awas Yojana 2024
The main objective of the Pradhan Mantri Awas Yojana run by the Central Government is to provide easy housing to the people who need housing the most in the country. Through this scheme, people who live below the poverty line will be provided with the assistance of a housing facility.
| Scheme Name | Pradhan Mantri Awas Plus Yojana 2024 |
|---|---|
| Scheme Operation | By the Central Government |
| Beneficiaries | Needy people of the country |
| Application for Scheme | Offline and Online |
| Scheme Website | Click here |
Amount of assistance given under Pradhan Mantri Awas Yojana
All the people applying under Pradhan Mantri Awas Yojana will be provided financial assistance based on their financial condition. This scheme provides assistance of up to Rs 1 lakh 20 thousand to families living in plain areas, while assistance of up to Rs 1 lakh 30 thousand is provided to families living in hilly and inaccessible areas.
How can one avail of the benefits of Pradhan Mantri Awas Yojana?
People wishing to avail the benefits of Pradhan Mantri Awas Yojana will have to go to their nearest Panchayat office and apply. After applying, their form is checked, and it is also seen whether they really need the house or not. If the information filled in the form is found to be completely correct, then the applicant is included in the beneficiary list and after this, the applicant can easily get the benefits of Pradhan Mantri Awas Yojana.
Pradhan Mantri Awas Yojana 2024 News
The main objective of Pradhan Mantri Awas Yojana is to help every poor person to build a house easily. Under this scheme, the Government has introduced Credit Linked Subsidy Scheme to rehabilitate housing by converting slums with the help of private developers and promote affordable housing for the poor. Under this scheme, the government provides subsidy to the beneficiaries to build houses, which is sent directly to their bank account.
Now, the Union Cabinet has extended the implementation period of Pradhan Mantri Awas Yojana 2024 till 31 December 2024. Along with this, the total target of pucca houses has also been revised to Rs 295 crore. This makes it clear that the government gives priority to its resolve to provide houses for the poor.
Benefits and features of PM Awas Yojana
- Through the Pradhan Mantri Awas Yojana, the Government of India provides the benefit of a subsidy of Rs 1 lakh per house for slum rehabilitation.
- The beneficiary is given the benefit of interest subsidy of up to 6.5% on housing loan.
- Vyas subsidy is applicable on the maximum loan period of 20 years or the loan tenure given by the applicant, whichever is earlier.
- Under PMAY, the subsidy amount is sent directly to the bank account of the beneficiary by the government.
- Through this scheme, people from poor and economically weaker sections of the country get an opportunity to get affordable housing.
- Apart from this, financial assistance is given for construction and purchase of house.
- This scheme is important for those people who do not yet live in their own house and do not have their own house.
- Under the PMAY scheme, women are given special priority for housing so that they can become owners of their own houses and live their lives empowered in the society.
- Pradhan Mantri Awas Yojana provides housing facilities in rural areas also.
- Under this scheme, special measures have been taken for construction of houses in disaster affected areas so that people can remain safe in their homes during disasters.
- There is no limit on the loan amount or property value under PM Awas Yojana.
The main objective of Pradhan Mantri Awas Yojana
- The main goal of Pradhan Mantri Awas Yojana is that all the citizens of the country should have a permanent house.
- For this, the government has to provide housing facility to provide permanent houses to the families below the poverty line.
- To provide financial assistance or pucca houses along with all basic amenities like electricity supply, sanitation etc. water facility to the families living in kutcha houses in rural areas of India.
- To provide permanent assured housing to the families below the poverty line in rural areas so that their economic condition can improve.
- To provide affordable and cheap housing to imported and economically weaker families from rural areas in urban areas.
- To administer housing development schemes in rural and urban areas.
Changes made in eligibility for Pradhan Mantri Awas Yojana
- The applicant must be a citizen of India.
- The beneficiary family should not have a permanent house.
- Should not be availing the benefit of any housing scheme of Government of India or State Government.
- For EWS, the annual income of the beneficiary should not exceed Rs 6 lakh.
- The annual income of the beneficiary coming under LIG should be more than Rs 6 lakh and less than Rs 12 lakh.
- The annual income of the MIG-I beneficiary should be less than Rs 12 lakh or Rs 18 lakh.
- For MIG-II the annual income of the beneficiary should not exceed Rs 18 lakh.
Pradhan Mantri Awas Yojana Required Documents
- Aadhar card
- Address proof
- Income certificate
- Age certificate
- Mobile number
- Bank passbook
- Passport size photo
Process to apply for Pradhan Mantri Awas Yojana
- To apply online under PMAY, first of all you have to go to the official website of Pradhan Mantri Awas Yojana.
- After this the home page of the website will open in front of you.
- On the home page, you will have to click on the option of Citizen Assessment and click on the option of Apply Online.
- After this you will have to enter your Aadhar card number.
- After entering the Aadhaar number, you will have to click on the Check option to verify.
- As soon as you click, the PMAY application page will open in front of you.
- You have to enter all the required details on this page including your personal details, income details, bank account details and other necessary information.
- After entering all the information you have to tick the I am aware check box.
- After this you will have to enter the given captcha code and click on Save option.
- As soon as you click, you will receive a unique application number.
- You have to download and print the filled application form.
- After this you will have to go to your nearest Common Service Center or Financial Institution/Bank and submit the form along with supporting documents.
- Thus you can apply online to avail subsidy on home loan under Pradhan Mantri Awas Yojana.
How to check Pradhan Mantri Awas Yojana application status?
- First of all you have to go to the official website of PMAY.
- After this the home page of the website will open in front of you.
- On the home page you have to click on the option of Citizen Assessment.
- After this you will have to click on the option of Track Your Assessment.
- Now a new page will open in front of you where you can check the status of your application in two ways.
- By entering your name, father’s name and mobile number.
- Second option by entering your assessment ID and mobile number.
- You have to select any one of these two options and enter the details.
- After this you have to click on the submit option.
- As soon as you click, the status of your application will appear in front of you.
Pradhan Mantri Awas Yojana 2024 FAQs
What is the official website of Pradhan Mantri Awas Yojana?
The official website of Pradhan Mantri Awas Yojana is https://pmaymis.gov.in/.
Who is eligible for Pradhan Mantri Awas Yojana?
All those people of the country who do not have a permanent house to live are eligible for the Pradhan Mantri Awas Yojana.
How is subsidy provided by the government under Pradhan Mantri Awas Yojana?
Under this scheme, the government deposits the subsidy amount directly into the bank accounts of the beneficiaries.
