Everyone wants to have a concrete house but many people still live in mud houses, especially in rural areas, many people live in mud houses.
Seeing this problem, the Government of India has launched a scheme called Pradhan Mantri Awas Yojana, so through this blog, I will provide detailed information about Pradhan Mantri Awas Yojana
What is Pradhan Mantri Awas Yojana
PM Awas Yojana is going to prove to be very beneficial for all the poor families in India who live in mud houses. Under this scheme of the Government of India, the dream of lakhs of poor families living in rural and urban areas to build their own houses is being fulfilled.
This scheme has been started for those who are financially weak, and whose salaries are low. Those who are not able to build their own houses.
Under the Pradhan Mantri Awas Yojana, help is given to those beneficiaries whose financial condition is weak and who are unable to build their own house so that they can build their own permanent house. For this, the beneficiary must apply. The government also provides subsidies on the amount received from this scheme.
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The objective of PM Awas Yojana 2024
The objective of Pradhan Mantri Awas Yojana is to provide financial assistance to the poor and economically weak people to build a permanent house.
The dream of building a permanent house has yet to be fulfilled for lakhs of people in rural and urban areas. Under this scheme, people can easily fulfill their dreams.
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How much subsidy is available in PM Jan Awas Yojana?
People get subsidies of up to Rs. 120000 or Rs. 2,50,000 in Pradhan Mantri Gramin Awas Yojana and Urban Housing Scheme run by the Government of India. Different subsidy amounts have been provided according to other areas. The subsidy amount received under this scheme is transferred directly to the bank account of the beneficiary.
PMAY Scheme Details
- Under the Pradhan Mantri Awas Yojana, the beneficiary easily gets a loan for 20 years at a very low interest rate.
- Under this Avasiya Scheme, you will have to pay only 6.50% interest on the loan taken from the bank.
- Under the PM Awas Yojana, loans are given to disabled people and women at very low interest rates.
- Beneficiaries in the plains receive ₹120,000 in financial assistance, while those in hilly areas can receive up to ₹130,000, reflecting the differing needs and challenges of each location.
- If you construct a toilet under this scheme, then you are given a separate financial assistance of Rs 12000.
- Under this Avasye Yojana, the amount provided by the bank is transferred directly to the beneficiary’s bank account.
Pradhan Mantri Awas Yojana eligibility
- Only the residents of India can take advantage of this scheme.
- The person applying under PM Awas Yojana 2024 should not already have a pucca house.
- To be eligible to apply for Awas Yojana, you must be at least 18 years old.
- The annual income of the beneficiary applying should be at least between 3 lakhs to 6 lakhs.
- If the name of the person applying for this scheme is on the ration card or BPL, then it becomes even easier to get the benefit.
- It is very important for the person applying in PM Awas to have an Aadhar card and voter card
Documents for Pradhan Awas Yojana 2024
- Aadhar Card
- Photo
- Job Card
- Bank Passbook
- Swachh Bharat Mission Registration No.
- Mobile Number
- Email ID
- Residence Certificate
- Income Certificate
Pradhan Mantri Awas Yojana apply online
- If you are eligible to take advantage of Pradhan Mantri Awas Yojana and want to apply online, then the process given below will have to be done step by step.
- To take advantage of this scheme, the home page of the official website of Pradhan Mantri Awas Yojana https://pmaymis.gov.in/ has to be opened.
- Click on the three dots of the menu bar of the home page.
- Now you will have some options in front of you, which you click on the option of Awaassoft.
- Now you choose the option of Data Entry.
- After this, click on the option of Data Entry for AWAAS.
- Now you select your state and district and click on the Continue button.
- Here you have to create a username and password, fill up the captcha, and click on login.
- After this, a form for beneficiary registration will appear.
- In which you have to fill in your details, bank details, and convergence details.
- Whatever details are in the last column will be filled in by the concerned office.
- By following this process carefully, you can easily apply online for Pradhan Mantri Awas Yojana
1. What is Pradhan Mantri Awas Yojana (PMAY)?
Pradhan Mantri Awas Yojana (PMAY) is a government initiative launched in 2015 by the Indian government. Its primary goal is to provide affordable housing to all citizens by 2022. The scheme aims to build 20 million affordable houses in urban and rural areas for the economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG)
2. Who is eligible for PMAY?
Eligibility for PMAY depends on income categories. For the Urban Scheme, EWS households with an annual income up to ₹3 lakhs, LIG households with an income between ₹3 lakhs and ₹6 lakhs, MIG-I with an income between ₹6 lakhs and ₹12 lakhs, and MIG-II with an income between ₹12 lakhs and ₹18 lakhs are eligible. Additionally, the applicant or any of their family members should not own a pucca house in India.
3. What are the benefits provided under PMAY?
PMAY offers a subsidy on home loan interest rates through its Credit Linked Subsidy Scheme (CLSS). The subsidy rates vary based on the income group: 6.5% for EWS/LIG, 4% for MIG-I, and 3% for MIG-II. The scheme also includes benefits for the construction and enhancement of houses in rural areas under PMAY-Gramin.
4. How can one apply for PMAY?
Applicants can apply for PMAY through the official PMAY website or visit a Common Service Center (CSC) in their area. The process involves filling out an online application form with personal and financial details. Applicants must also provide necessary documents such as identity proof, income proof, and proof of no prior pucca house ownership.
5. What is the status of PMAY implementation?
As of 2023, significant progress has been made under PMAY, with millions of houses sanctioned and constructed. The scheme is ongoing, with efforts being made to meet the goal of housing for all. The government continues to allocate funds and support to ensure the completion of the remaining projects.
