How to apply for PM Awas Yojana online and offline

Pradhan Mantri Awas Yojana (PMAY) is a program by the Indian government to provide affordable housing for the urban poor. Started in 2015, it has two parts: PMAY-Urban (PMAY-U) and PMAY-Gramin (PMAY-G). The aim is to ensure everyone has a permanent house by 2022, with the program now extended due to high demand. We will explain how to apply for PMAY, both online and offline, including eligibility requirements, necessary documents, and tips for a successful application.

Before diving into the application process, it’s really important to understand the key features of the PMAY scheme.

Key Features of PMAY:

• Interest Subsidy: Interest subsidy of up to 6.5% on home loans for a tenure of 20 years.

• Beneficiaries: Economically Weaker Section (EWS), Low Income Group (LIG), Middle Income Group (MIG), and women.

• House Ownership: Preference is given to women, minorities, and differently-abled individuals.

• Technology: Emphasis on eco-friendly construction technologies.

• Urban and Rural Focus: Separate provisions for urban and rural housing.

Eligibility Criteria:

Income Groups:

• EWS: Annual income up to ₹3 lakh.

• LIG: Annual income between ₹3 lakh and ₹6 lakh.

• MIG-I: Annual income between ₹6 lakh and ₹12 lakh.

• MIG-II: Annual income between ₹12 lakh and ₹18 lakh.

• House Ownership: The applicant or their family should not own a pucca house.

• Women Ownership: Mandatory for EWS and LIG categories.

How to Apply for PM Awas Yojana Online?

Applying for PMAY online is a straightforward process. Here’s how you can do it step-by-step:

Step 1: Visit the Official PMAY Website

• Go to the official PMAY website: pmaymis.gov.in.

• Choose between “Citizen Assessment” and “Track Your Assessment” depending on your application status.

Step 2: Select the Relevant Option

• If you are applying for the first time, select the “For Slum Dwellers” or “Benefits Under Other 3 Components” option.

• The “For Slum Dwellers” option is for those residing in slum areas, while the “Benefits Under Other 3 Components” is for other eligible beneficiaries.

Step 3: Enter Your Aadhaar Details

• The system will prompt you to enter your Aadhaar number.

• This step ensures that your application is linked to a unique identifier and helps prevent duplicate applications.

Step 4: Fill Out the Application Form

• Personal Details: Enter your name, father’s/mother’s name, contact details, and other personal information.

• Current Residential Address: Provide your current residential address.

• Permanent Address: Enter your permanent address if different from the current address.

• Bank Account Details: Input your bank account details for subsidy credit.

• Income Details: Specify your annual income, including the income of all earning family members.

• Preferred House Location: Choose the city or town where you wish to avail of the housing benefits.

Step 5: Review and Submit

• Carefully review all the details entered to make sure accuracy.

• Click on the “Submit” button to complete your application.

• Upon successful submission, you will receive an Application Number for tracking purposes.

Step 6: Save and Print the Acknowledgment

• After submission, save or print the acknowledgment slip.

• This slip contains your Application Number, which is crucial for future reference.

How to Apply for PM Awas Yojana Offline

Step 1: Visit a Common Service Centre (CSC)

• Visit your nearest Common Service Centre (CSC) or a designated bank branch.

• CSCs are government-authorized centers that assist in various government schemes, including PMAY.

Step 2: Obtain the Application Form

• Request a PMAY application form at the CSC or bank.

• The form is available for a nominal fee of ₹25.

Step 3: Fill Out the Application Form

Fill out the application form with the required details, similar to the online process:

• Personal Information: Name, date of birth, family details, etc.

• Aadhaar Number: Provide your Aadhaar number for verification.

• Income Details: State your annual income and the total family income.

• Residential Details: Mention your current and permanent addresses.

• Bank Details: Include your bank account number for subsidy transfer.

Step 4: Attach Required Documents

Attach photocopies of the required documents, including:

• Identity Proof: Aadhaar card, PAN card, voter ID, etc.

• Address Proof: Utility bills, ration card, passport, etc.

• Income Proof: Salary slips, income certificate, etc.

• Bank Statement: Latest bank statement or passbook copy.

• Photograph: Recent passport-sized photograph.

Step 5: Submit the Application

• Submit the completed application form along with the documents to the CSC representative or bank official.

• The representative will provide an acknowledgment receipt with your Application Number.

Step 6: Track Your Application

• Use the Application Number to track the status of your PMAY application online through the official website or by visiting the CSC/bank where you submitted the form.

Documents Required for PM Awas Yojana Application

Whether applying online or offline, you’ll need to submit specific documents to support your application.

Mandatory Documents:

• Aadhaar Card: Mandatory for both the applicant and co-applicant.

• Income Certificate: Proving your eligibility based on income group (EWS, LIG, MIG).

• Proof of Identity: PAN card, voter ID, passport, etc.

• Proof of Address: Utility bills, passport, or ration card.

• Bank Account Details: Passbook or recent bank statement.

• Photograph: Recent passport-sized photo of the applicant and co-applicant.

Additional Documents for Legal Heirs:

• Succession Certificate: If the property is inherited.

• Affidavit of House Ownership: To declare that the applicant does not own a pucca house.

Benefits of PM Awas Yojana

The PMAY scheme offers multiple benefits to different sections of society. Here are some of the key benefits:

1. Interest Subsidy

• The Credit Linked Subsidy Scheme (CLSS) under PMAY offers an interest subsidy on home loans.

• EWS/LIG: 6.5% subsidy on loans up to ₹6 lakh.

• MIG-I: 4% subsidy on loans up to ₹9 lakh.

• MIG-II: 3% subsidy on loans up to ₹12 lakh.

2. Affordable Housing

• The scheme promotes the construction of affordable housing for all, ensuring that everyone has a roof over their head.

3. Empowering Women

• Women, especially those from the EWS and LIG categories, are given preference in the allotment of houses.

4. Focus on Green Technology

• The scheme encourages the use of sustainable and eco-friendly construction methods.

5. Wide Coverage

• PMAY covers urban and rural areas, ensuring that benefits reach every corner of India.

Summary

Conclusion

Applying for the Pradhan Mantri Awas Yojana (PMAY) is simple and can be done either online or offline by following the steps in this guide. The scheme helps people with low income get affordable housing. If you meet the eligibility requirements, you can easily get the loan.

Frequently Asked Questions (FAQs)

1. What is Pradhan Mantri Awas Yojana (PMAY)?

• PMAY is a government scheme aimed at providing affordable housing to the urban poor and rural citizens. It includes two parts: PMAY-Urban (PMAY-U) and PMAY-Gramin (PMAY-G).

2. How can I apply for PMAY online?

• To apply online, visit the official PMAY website, register yourself, fill out the application form, upload the required documents, and submit the application.

3. What is the process for applying for PMAY offline?

• For an offline application, visit your nearest Common Service Centre (CSC), fill out the application form, submit the required documents, and follow the process as guided by the officials.