 |
PRADHAN MANTRI AWAS YOJANA |
PRADHAN MANTRI AWAS YOJANA [21 Complete Guidelines] 2020
Pradhan
Mantri Awas Yojana was introduced by the Prime Minister, Narendra Modi, on June
1, 2015. The Pradhan Mantri Awas Yojana
plan is an initiative of the Government of India that aims to provide affordable
housing for the urban poor. The mission is to provide housing for all by the year 2022, by that time, Nation celebrates 75 years of independence.
PRADHAN MANTRI AWAS YOJANACOMPLETE [21 STEP]
- BENEFICIARIES UNDER THE PRADHAN MANTRI AWAS YOJANA
- WHAT IS THE LAST DATE OF PRADHANMANTRI AWAS YOJANA
- IDENTIFICATION AND SELECTION OF BENEFICIARIES
UNDER PM AWAS YOJANA
- WHAT DOES THE PMAY SCHEME OFFER IN A FEW WORDS?
- PMAY FEATURES
- OBJECTIVES OF THE PMAY SCHEME
- ELIGIBILITY CRITERIA FOR THE PMAY SCHEME
- UPDATES ON PRADHAN MANTRI AWAS YOJANA
- HOW TO REQUEST THE PM AWAS YOJANA ONLINE
- APPLY FOR A MORTGAGE LOAN FOR PRADHAN MANTRI AWAS YOJANA
- HOW TO GET AN
INTEREST RATE SUBSIDY UNDER PRADHAN MANTRI
AWAS YOJANA
- THREE PHASES OF PRADHAN MANTRI AWAS YOJANA
- PRADHAN MANTRI AWAS YOJANA EMI
CALCULATOR
- HOW DOES PMAY WORK VIA THE BORROWER'S BANK?
- FREE HELPLINE NUMBER FOR THE PMAY SCHEME
- LIST OF BANKS AND HOUSING FINANCE LTD FOR MORTGAGE LOANS UNDER THE PMAY SCHEME
- LIST OF BANKS UNDER PRADHAN MANTRI AWAS YOJANA SCHEME
- LIST OF STATEWIDE STATE AGENCIES FOR PM AWAS YOJANA (U)
- HOME AREA OF PMAY
- FAQ ABOUT PRADHAN MANTRI AWAS YOJANA
BENEFICIARIES UNDER THE PRADHAN MANTRI AWAS YOJANA
• A beneficiary family will commit her husband,
wife, single children and/or single daughters.
• The beneficiary family must not own a pucca house
on their behalf or on behalf of any member of their family anywhere in India.
WHAT IS THE LAST DATE OF PRADHAN MANTRI AWAS YOJANA CHECK HERE IN DETAILS
- PRADHAN MANTRI AWAS YOJANA LAST DATE
- HOW CAN A HOUSE BE REQUESTED UNDER PRADHAN MANTRI AWAS YOJANA?
- HOW TO APPLY FOR PRADHAN MANTRI AWAS YOJANA BENEFITS UNDER 3 OTHER ONLINE COMPONENTS:
- PRADHAN MANTRI AWAS YOJANA ONLINE APPLICATION
- PRADHAN
MANTRI AWAS YOJANA CAN BE APPLIED IN TWO CATEGORIES:
- APPLY FOR A PRADHAN MANTRI AWAS YOJANA MORTGAGE LOAN
- HOW CAN A HOUSE BE REQUESTED UNDER
PRADHAN MANTRI AWAS YOJANA?
- PRADHAN MANTRI AWAS YOJANA CAN BE APPLIED IN TWO CATEGORIES:
- HOW SLUM DWELLERS CAN REQUEST THE PRADHAN MANTRI AWAS YOJANA ONLINE:
- HOW SLUM DWELLERS CAN REQUEST THE PRADHAN MANTRI AWAS YOJANA ONLINE:
- FAQ
- EK PARIVAR EK NAUKRI YOJANA-2019-2020
Identification and Selection of Beneficiaries under PM Awas Yojana
• The Pradhan Mantri Awas Yojana (Urban) plan
deals mainly with the housing requirements of the urban poor. The scheme also
satisfies the housing requirements of slum dwellers residing in confined slum
areas with inadequate infrastructure, poor sanitation facilities, and portable
water.
• The beneficiaries of PM Awas Yojana (U) include mainly the middle-income groups (MIG),
the low-income groups (LIG) and the economically-weaker section (EWS). While
the annual income for beneficiaries of the EWS category is limited to Rs.3
lakh, the annual income of the LIG and MIG beneficiaries can vary between
Rs.3-6 lakh and Rs.6-18 lakh respectively.
• While beneficiaries of the EWS category are
eligible to receive full assistance under the scheme, beneficiaries of the LIG
and LIG categories are only eligible for the Credit-Linked Subsidy Plan (CLSS)
under Pradhan Mantri Awas Yojana.
• To be recognized as a beneficiary of LIG or EWS
under the Plan, the applicant must submit an affidavit as proof of income to
the authority.
What does the PMAY scheme offer in a few words?
Particulars
|
EWS
|
LIG
|
MIG-1
|
MIG-2
|
Annual Household income
|
Up to 3 lakh
|
3 to 6 lakh
|
6 to 12 lakh
|
12 to 18 lakh
|
Interest rate Subsidy
|
6.50%
p.a.
|
6.50%
p.a.
|
4.00%
p.a.
|
3.00%
p.a.
|
Home Loan Tenure (Max)
|
20 years
|
20 years
|
20 years
|
20 years
|
Maximum Eligible Home Loan Amount to Qualify for Subsidy
|
Rs.6
lakh
|
Rs.6
lakh
|
Rs.9
lakh
|
Rs.12
lakh
|
Maximum Dwelling Unit Carpet Area
|
30 sq. m
|
60 sq. m
|
160 sq. m
|
200 sq. m
|
Maximum Interest Subsidy Amount
|
Rs.2.67
lakh
|
Rs.2.67
lakh
|
Rs.2.35
lakh
|
Rs.2.30
lakh
|
Discount Rate for NPV Calculation of Interest Subsidy
|
9.00%
|
9.00%
|
9.00%
|
9.00%
|
PMAY FEATURES 2020
•
Under the PMAY scheme, the subsidy
interest rate is provided at 6.50% p.a. Housing loan for a period of 20 years
to all beneficiaries.
•
Citizens with disabilities and seniors will be given preference in the
allocation of the ground floors.
•
Sustainable and ecological technologies for construction would be used.
•
The PMAY scheme covers complete
urban areas in the country, which includes 4041 statutory cities, with the
first priority granted to 500 cities of Class I. This will be done in 3 phases.
•
The PMAY subsidy aspect linked to
the credit of Prime Minister Awas Yojana
is implemented in India in all statutory cities from the initial stages.
Objectives of the PMAY Scheme
PMAY
|According to recent estimates, as of September 2016, the population of urban
dwellers in India has increased at an alarming rate and further growth is
expected in the coming years. It is said that by 2050, the population of urban
dwellings will rise to 814 million people. The predicted calculation is almost
double the number that already resides in urban areas. The main challenges also
include providing people with affordable housing options and other important
related concerns, such as sanitation and sustainable development. The Ministry
must also guarantee a sustainable and safe environment for the urban
population.
• The main objective of the PM Awas Yojana plan is for housing to be affordable for all by the year 2022.
• It also intends to make it accessible to specific
demographic data, such as groups with economic difficulties, women, and people
belonging to minorities such as Scheduled Castes and Scheduled Tribes.
• The other government objective is directly
associated with some of the most ignored demographic data, which include
widows, members of lower-income groups, transgender people and, from now on,
provide them with a sustainable and affordable housing plan.
• The special preferences for the properties of the ground floor will be granted to elderly people and with different disabilities
if necessary.
• Registration is mandatory to take advantage of the
benefits of this PMAY scheme, which
includes the strict names of beneficiaries as mothers or wives.
The launch of this scheme is intended for urban
areas of the following options for the states or territories of the Union, as
well as for cities, as mentioned above.
Eligibility criteria for the PMAY scheme 2020
The government will use 2011 Socioeconomic and
Caste Census (SECC 2011) to identify and select the PMAY beneficiary list. The
village panchayats together with the tehsils will be considered for the
beneficiary consultation before making the list under the rural housing scheme.
This will be done to ensure the transparency of the project and also ensure
that only those who deserve it receive housing assistance.
• Any home with total annual income between Rs.6
lakh to Rs.18 lakh can request the PM
Awas Yojana. The applicant is allowed to include the spouse's income while
requesting this plan.
• Indian citizens who are women can apply. No other demographic group will be considered while they are women.
• The beneficiary can only buy a new house to enjoy
the benefits of Pradhan Mantri Awas
Yojana. People who already have a house are not eligible to apply for this
plan. No pucca should be owned by the beneficiary or family member, in any part
of the country.
• People will be able to buy/build new homes only.
One can not take advantage of the benefits of PMAY in a house already built.
• People who belong to the low-income group, that
is, the economically weaker LIG sections also known as EWG in society, can also
apply.
• Scheduled tribes and castes will also be eligible.
• Older people with different abilities will receive
special priorities for the houses on the ground floor.
Updates
on Pradhan Mantri Awas Yojana
PMAY
promotes the growth of loans for banks
Ajay Kumar Srivastava, the executive director of
Indian Overseas Bank has stated that mortgage loans subsidized by Prime Minister Awas Yojana (PMAY) have boosted the overall growth
of mortgage loans. He added that the Indian Overseas Bank witnessed a
year-on-year growth of 20 percent, the main factor being the fact that
subsidized mortgage loans have become popular among the middle class.
Srivastava said that middle-income customers who attracted loans for the
interest subsidy.
It is necessary to mention here that PMAY loans have a subsidy amount of up
to Rs.2.67 lakh and have a much lower interest rate of 6.50 percent per annum.
The subsidy linked to loans for loans up to Rs.9 lakh in the case of the middle
income group (MIG-I) is 4 percent, while for loans up to Rs.12 lakh in the case
of MIG-II it is of 3 percent.
According to an RBI report, loans for affordable
housing up to Rs.10 lakh have experienced strong growth from 2016-17 onwards,
while the number of beneficiaries of high-value housing loans above Rs.25 lakh
It has decreased.
How to request the PM Awas Yojana online
• Visit the official website of PM Awas Yojana http://pmaymis.gov.in/
• So here in the "Menu" section, look for the
option "Citizen evaluation"
• Enter your 12-digit Aadhaar card number
• Once you have entered your Aadhaar information, you will be redirected to the application page
• You will be asked to enter your personal
information, income details, current residential address, and bank account
details
• Enter all the information in the application.
• Click on the "I am aware of" option at
the bottom of the page and click on the "Save" button
• Once you click on the "save" option, you
will see an application number generated by the system that you can save for
future reference.
• Download and print the application duly submitted.
• Send the form to the nearest CSC office centers and financial institutions/banks along with
the required documents
Before completing the PMAY Program application, make sure you have verified your
eligibility and that your name appears on the beneficiary list. You can verify
if you are eligible by sending your BPL certificates to the credit institution
and they will notify you if you are eligible to apply for the PM Awas Yojana plan. Alternatively, you
can also check the list of beneficiaries online by visiting the official
website. The list of beneficiaries available on the website is updated
periodically. Make sure to check the recent list.
The online application process to request the PMAY
scheme is very simple, convenient and saves a lot of time. Make sure you have
the details of your savings account and your household income when you apply
for Pradhan Mantri Awas Yojana online.
Apply for a mortgage loan
How to edit your details after submitting the
request for PMAY
• Visit the official website of Pradhan Mantri Awas Yojana
• Enter the reference number of your application and
your Aadhaar data
• Click on the "Edit" option
• Now you can edit the details of your application
How
to get an interest rate subsidy under Pradhan Mantri Awas Yojana
• Apply for a mortgage loan from any credit an institution that is on the list and applies for a subsidy.
• The credit institution will review your
application and you are eligible, your request will be sent to the Central
Nodal Agency.
• After the verification, if your request is
approved and there are no discrepancies, the Central Nodal Agency will disburse
the amount of the subsidy to the credit institution.
• This amount will be credited to your account by the
credit institution, which will reduce the total amount of your loan.
• You can continue to pay the EMI for the loan
amount of the balance.
Three
phases of Pradhan Mantri Awas Yojana
The PMAY The scheme will be executed in three phases. See the tables below for more details:
Phase 1
Start date
|
04/01/15
|
End date
|
03/01/17
|
Cities covered
|
100
|
Phase 2
Start date
|
04/01/17
|
End date
|
03/01/19
|
Cities covered
|
200
|
Phase 3
Start date
|
04/01/19
|
End date
|
03/01/22
|
Cities covered
|
Remaining
cities
|
Pradhan Mantri Awas Yojana EMI Calculator
The Pradhan
Mantri Awas Yojana plan aims to simplify the process of buying a home for
the poorest and weakest urban sectors through the EMI at reasonable interest
rates. The interest rate is comparatively much lower than the commercial rate,
so it offers subsidized loans to people.
To calculate the EMI logon on the Pradhan Mantri Awas Yojana website,
complete the following details: http://pmaymis.gov.in/EMI_Calculator.aspx
• The total amount of the loan in rupees.
• The interest rate
• The total loan period in months
Once the following details are sent, click on the
"Calculate" option. This will give you the monthly payment or EMI
payable in rupees.
Apply for a mortgage loan
Functions of the PMAY Technology Subcommittee:
The PM Awas
Yojana Technology Sub-Mission will cover the following:
• Better habitat design and building planning.
• Planning to develop environmentally friendly
houses
• Best Construction Practices
• Organize the most innovative technologies
• Choose the most suitable materials
How does PMAY work via the borrower's bank?
The bank from which the individual is taking the
loan will claim the subsidy benefit for eligible applicants from the National
Housing Bank (NHB). The National Housing Bank will then verify if someone is
making several applications under the scheme. Once confirmed, the amount of the
CLSS or subsidy will be delivered to the borrower's bank. Once the amount is
received, the money will be credited directly to the Loan Account.
Free helpline number for the PMAY scheme
In case of any query related to the application
process, interest rates and any other query related to the scheme, customers
can call the toll-free number:
• 1800-11-6163 (Urban, HUDCO)
• 1800-11-3388 (Urban, NHB)
• 1800-11-3377 (Urban, NHB)
• 1800-11-6446 (Gramin)
Those who face any problem related to the application process can contact the above free numbers according to the
locations.
List
of banks and Housing Finance Ltd for mortgage loans under the PMAY scheme
IKF Housing Finance
Private Limited
|
Manipal Housing
Finance Syndicate Ltd.
|
Ummeed Housing
Finance Private Limited
|
West End Housing Finance Limited
|
Mahindra Rural Housing Finance Ltd.
|
|
Magma
Housing Finance
|
Vastu
Housing Finance Corporation Ltd
|
|
USB Housing Finance Corporation Ltd
|
L&T Housing Finance Ltd.
|
|
Khush
Housing Finance Ltd.
|
Swarna
Pragati Housing Microfinance Private Limited
|
|
Swagat Housing Finance Company Ltd.
|
India Infoline Housing Finance Ltd.
|
|
India
Home Loan Ltd.
|
Sundaram
BNP Paribas Home Finance Ltd.
|
|
SRG Housing Finance Ltd.
|
ICICI Home Finance Company Ltd.
|
|
Housing
Development Finance Corporation Ltd.
|
Shriram
Housing Finance Ltd.
|
|
SEWA Grih Rin Ltd.
|
Home First Finance Company Ltd.
|
|
Hinduja
Housing Finance Limited
|
Sahara
Housing Finance Corporation Ltd
|
|
Repco Home Finance Ltd.
|
Habitat Micro build India Housing Finance Company Pvt. Ltd.
|
|
GRUH
Finance Ltd.
|
Reliance
Home Finance Ltd.
|
|
RAAS Housing Finance (India) Ltd.
|
Fullerton Home Finance Company Ltd
|
|
Fast
Track Housing Finance Company Ltd.
|
Panthoibi
Housing Finance Company Ltd.
|
|
Orange City Housing Finance Ltd.
|
Edelweiss Housing Finance Pvt. Ltd
|
|
DMI
Housing Finance Pvt. Ltd.
|
Nivera
Home Finance Ltd
|
|
New Habitat Housing Finance and Development Ltd.
|
Dewan Housing Finance Corporation Ltd.
|
|
Cent
Bank Home Finance Ltd.
|
Muthoot
Housing Finance Company Ltd.
|
|
Muthoot Home fin Ltd.
|
Capital First Home Finance Ltd.
|
|
Can
Fin Homes Ltd.
|
Mentor
Home Loans India Ltd.
|
|
MAS Rural Housing and Mortgage Finance Ltd.
|
Aspire Home Finance Corporation Ltd.
|
|
Aptus
Value Finance Corporation Ltd.
|
Aditya
Birla Housing Finance Ltd.
|
|
Aadhar Housing Finance Ltd.
|
Akme Star Housing Finance Ltd.
|
List of banks under PRADHAN MANTRI AWAS YOJANA Scheme
Public Sector Banks
|
||
Central Bank of India
|
State Bank of Patiala
|
|
UCO
Bank
|
Syndicate
Bank
|
|
State Bank of Mysore
|
State Bank of Hyderabad
|
|
State Bank of Bikaner & Jaipur
|
Punjab
National Bank
|
Punjab
& Sind Bank
|
Dena Bank
|
Corporation Bank
|
|
Bhartiya
Mahila Bank Ltd.
|
Bank
of Maharashtra
|
|
Bank of Baroda
|
Andhra Bank
|
|
Oriental
bank of Commerce
|
Indian
Overseas Bank
|
|
Private Sector Banks
|
||
South Indian Bank Ltd.
|
Nainital
Bank Ltd.
|
Lakshmi
Vilas Bank
|
J & K Bank
|
Dhanlaxmi Bank Ltd
|
City Union Bank
|
Yes Bank
|
The
Federal Bank Ltd.
|
Karur
Vysya Bank Ltd.
|
Karnataka Bank Ltd.
|
ICICI Bank Ltd.
|
DCB Bank Ltd.
|
Axis Bank Ltd.
|
Catholic
Syrian Bank
|
Tamilnadu
mercantile Bank Ltd
|
Regional Rural Banks
|
||
Ellaquai Dehati bank
|
Purvanchal Bank
|
Vanachal Gramin Bank
|
Uttarbanag Kshetriya Gramin Bank
|
Telangana
Grameena Bank
|
Satlij
Gramin Bank
|
Sarva UP Gramin Bank
|
Rajasthan Marudhara Gramin Bank
|
Meghalaya Rural Bank
|
Jharkhand Gramin Bank
|
J&
K Grameen Bank
|
Bihar
Gramin Bank
|
Baroda Rajasthan Kshetriya Gramin Bank
|
Bangiya Gramin Vikas Bank
|
Chaitanya Godavari Grameena Bank
|
Central Godavari Grameena Bank
|
Sarva
Haryana Gramin Bank
|
Kaveri
Grameena Bank
|
Dena Gujarat Gramin Bank
|
Baroda Gujrat Gramin bank
|
Assam Gramin Bank
|
Arunachal Pradesh Rural Bank
|
Andhra
Pradesh Grameena Vikas Bank
|
Allahabad
UP Gramin Bank
|
Punjab GRamin Bank
|
Baroda Uttar Pradesh Gramin Bank
|
Gramin Bank of Aryavart
|
Prathama Bank
|
Uttar
Bihar Gramin Bank
|
Pandyan
Grama Bank
|
Kashi Gomti Samyut Bank
|
Odisha Gramiya Bank
|
Madhyanchal Gramin Bank
|
Tripura Gramin Bank
|
Chhattisgarh
Rajya Gramin Bank
|
Utal
Grameen Bank
|
Saurashtra Gramin Bank
|
Pragathi Krishna Gramin Bank
|
Narmada Jhabua Gramin
|
Nagaland Rural Bank
|
Mizoram
Rural Bank
|
Manipur
Rural Bank
|
Maharashtra Gramin Bank
|
Madhya Bihar Gramin Bank
|
Langpi Dehangi Rural Bank
|
Kerala Gramin Bank
|
Karnataka
Vikas Grameena Bank
|
|
Co-operative Banks
|
||
Janta Sahakari Bank Ltd
|
The
Punjab State Cooperative Bank Ltd.
|
Uttarakhand
State Cooperative Bank Ltd.
|
Shree Panchganag Nagari Sahakari Bank Ltd.
|
Kerala State Co-Operative Bank Ltd.
|
Karad Urban Co-operative Bank Ltd.
|
Meghalaya Co-Operative Apex Bank Ltd
|
Sangli
Urban Co-Operative Bank Ltd.
|
The
Surat People’s Cooperative Bank Ltd.
|
The Goa State Co-Operative Bank Ltd.
|
Sikkim State Co-Operative Bank Ltd.
|
Shikshak Sahakari Bank Ltd.
|
Sardar Bhiladwala Pardi People’s Co-Operative Bank Ltd.
|
Odisha
State Cooperative Bank
|
Nutan
Nagarik Sahakari Bank Ltd.
|
Mizoram Cooperative Apex Bank Ltd.
|
Mehsana Urban Co-Operative Bank Ltd.
|
Mahanagar Co-Operative Bank Ltd.
|
Kalupur Commercial Co-operative Bank Ltd.
|
Jharkhand
State Co-Operative Bank Ltd.
|
J&K
State Cooperative Bank
|
Cosmos Co-operative Urban Bank Ltd.
|
Cosmos Co-operative Urban Bank Ltd.
|
Chhattisgarh Rajya Sahakari Bank Maryadit
|
Bihar State Co-operative Bank Ltd.
|
Jalgaon
Janata Sahakari Bank Ltd.
|
Sarvodaya
Commercial Co-operative Bank
|
Citizen Credit Co-op Bank Limited
|
The Nawangar Co-operative Bank Ltd.
|
The Greater Bombay Co-operative Bank Ltd.
|
The Bharat Co-operative Bank (Mumbai) Ltd.
|
The
West Bengal State Co-operative Bank Ltd.
|
The
Kalyan Janata Sahakari Bank Ltd.
|
The Gujarat State Co-operative Bank Ltd
|
The Ahmedabad Mercantile Co-operative Bank Ltd.
|
Shri Mahila Sewa Sahakari Bank Ltd.
|
Rajkot Nagarik Sahakari Bank Limited
|
Punjab
& Maharashtra Co- operative Bank Ltd
|
Prime
Co-operative Bank Ltd.
|
Bombay Mercantile Co-operative Bank
|
||
List of statewide state agencies for PM Awas Yojana (U)
State/Union Territory
|
Name of the
Organisation
|
Organisation Address
|
Email
|
Andaman and Nicobar Islands
|
Union Territory of Andaman and Nicobar Islands
|
Municipal Council, Port Blair - 744101
|
|
Andhra Pradesh
|
Andhra
Pradesh State Housing Corporation Limited
|
Andhra
Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad - 500029
|
|
Andhra Pradesh
|
Andhra Pradesh Township Infrastructure Development
Corporation Limited
|
Flat number 502, Vijaya Lakshmi Residency, Gunadala,
Vijayawada - 520004
|
|
Arunachal Pradesh
|
Government of Arunachal Pradesh
|
Department of Urban Development
and Housing, Mob-II, Itanagar
|
|
Assam
|
Government of Assam
|
Block A, Room no. 219, Assam
Secretariat, Dispur, Guwahati - 781006
|
|
Bihar
|
Government of Bihar
|
Urban Development and Housing
Department, Vikas Bhawan, Bailey Road, New Secretariat, Patna, Bihar - 15
|
|
Chandigarh
|
Chandigarh Housing Board
|
Sector 9-D, Chandigarh - 160017
|
|
Chhattisgarh
|
Government of Chhattisgarh
|
Mahanadi Bhawan Mantralaya, Room
No. S-1/4, Naya Raipur, Chhattisgarh
|
|
Dadra and Nagar Haveli, and Daman
and Diu
|
Union Territory of Dadra and Nagar
Haveli, and Daman and Diu
|
Secretariat, Silvassa - 396220
|
|
Dadra and Nagar Haveli
|
Union Territory of Dadra and Nagar
Haveli
|
Secretariat, Silvassa - 396220
|
|
Goa
|
Government of Goa
|
GSUDA, 6th Floor, Shram Shakti
Bhavan, Patto - Panaji
|
|
Gujarat
|
Government of Gujarat
|
Affordable Housing Mission, New
Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar - 382010
|
|
Haryana
|
State Urban Development Agency
|
Bays-11-14, Palika Bhawan,
Sector-4, Panchkula, Haryana - 134112
|
|
Himachal Pradesh
|
Directorate of Urban Development
|
Palika Bhawan, Talland, Shimla
|
|
Jammu and Kashmir
|
Jammu and Kashmir Housing Board
|
||
Jharkhand
|
Urban Development Department
|
3rd floor, Room No: 326, FFP Building,
Dhurwa, Ranchi, Jharkhand - 834004
|
|
Kerala
|
State Poverty Eradication Mission
|
TRIDA Building, Jn. Medical
College, PO Thiruvananthapuram
|
|
Madhya Pradesh
|
Urban Administration and Development,
GoMP
|
Palika Bhawan, Shivaji Nagar,
Bhopal - 462016
|
|
Maharashtra
|
Government of Maharashtra
|
Griha Nirman Bhawan, 4th Floor,
Kalanagar, Bandra (East), Mumbai - 400051
|
|
Manipur
|
Government of Manipur
|
Town Planning Department,
Government of Manipur, Directorate Complex, North AOC, Imphal - 795001
|
hfamanipur@gmail.com,
tpmanipur@gmail.com
|
Meghalaya
|
Government of Meghalaya
|
Town Planning Department,
Government of Manipur, Directorate Complex, North AOC, Imphal - 795001
|
|
Mizoram
|
Urban Development & Poverty
Alleviation, Government of Mizoram
|
Directorate of Urban Development
and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram - 796005
|
|
Nagaland
|
Government of Nagaland
|
Municipal Affairs cell, A.G.
Colony, Kohima - 797001
|
|
Odisha
|
Housing and Urban Development
(H&UD) Department
|
1st Floor, State Secretariat,
Annex - B, Bhubaneswar - 751001
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Puducherry
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Government of Puducherry
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Town & Country Planning Deptt.
Jawahar Nagar Boomianpet Puducherry - 605005
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Punjab
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Punjab Urban Development Authority
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PUDA Bhawan, Sector 62, SAS Nagar,
Mohali, Punjab
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Rajasthan
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Rajasthan Urban Drinking Water,
Sewerage & Infrastructure Corporation Ltd (RUDSICO)
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4-SA-24, Jawahar Nagar, Jaipur,
Rajasthan
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Sikkim
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Government of Sikkim
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Department of Urban Development
and Housing, Government of Sikkim, NH 31A, Gangtok - 737102
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Tamil Nadu
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Government of Tamil Nadu
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Tamil Nadu Slum Clearance Board,
No.5 Kamarajar Salai, Chennai, Tamil Nadu - 600005
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Telangana
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Government of Telangana
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Commissioner and Director of
Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool,
Hyderabad
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Tripura
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Government of Tripura
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Directorate Of Urban Development,
Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor, Khadya
Bhawan, Agartala - 799006
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Uttarakhand
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Directorate of Urban Development
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State Urban Development Authority
85A, Motharawala Road, Ajabpur Kalan, Dehradun
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Karnataka
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Government of Karnataka
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9th Floor, Vishweshwaraiah Towers,
Dr.Ambedkar Veedhi, Bangalore - 560001
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West Bengal
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State Urban Development Authority
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ILGUS Bhavan, Block HC Block,
Sector 3, Bidhannagar, Kolkata - 700106
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Uttar Pradesh
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State Urban Development Agency
(SUDA)
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Navchetana Kendra, 10, Ashok Marg,
Lucknow - 226002
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FAQs
Q1. If I am a woman, can I apply for this scheme?
Yes, this scheme gives priority to women who run a
family within lower-income groups. However, if your spouse, parent or any other
member of the family with whom you reside has submitted your application, your
application will be rejected.
Q2. Am I an older person and am I under the local
income groups? Although the PMAY
scheme seems financially viable, as an older person, he would prefer a house on
the ground floor. That I have to do?
You simply have to submit your application as a
senior citizen, since all senior citizens are given the priority to have access
to the homes on the ground floor. However, be sure to apply early, since
priorities among older adults for the ground floor are also shared with
beneficiaries with different abilities.
Q3. What does one mean by DBT?
People refer to the direct transfer of benefits as
DBT. This means that beneficiaries will receive the funds they are expected to
receive, in the form of fees, under the scheme, directly in their bank
accounts, instead of having to go through random offices and banks. Funds
allocated for the rural housing plan under PMAY
will also be sent to beneficiaries through the direct transfer of funds to the
bank accounts of the beneficiaries listed and identified. Work assignment and
job training for the Pradhan Mantri
Awas Yojana.
Q4. Why is the Government going to label the properties
in the framework of the PMAY housing
project?
The importance of transparency in the entire housing
project is essential, from the rules and regulations of the scheme that are
created to the basic sanitation requirement that is being implemented in the
home. All this must be followed, which requires geographical labeling, to have
all the information available to the parties involved, whenever necessary.
Geo-tagging basically means adding metadata to a photograph or map of your
house located on the map. It also helps maintain up-to-date satellite images of
the project's progress.
Q5. How long will the PMAY project last?
It is assumed that the PMAY project will last until 2022. But, this is the date, which
guarantees that all regions of India have beneficiaries who can benefit from
the plan. The construction and finally the beneficiaries who move may take
longer.
Q6. How can I know if my town or city is part of the
first phase?
Simply go online and look for the list of cities in
the first phase of the PMAY project.
Q7. Transgenders are also part of Indian society. As
a transsexual can I apply?
Transgenders often belong to low-income groups and
groups with economic difficulties. While they also cover all other eligibility
requirements, such as documentation or a single applicant for a family, this
demographic scheme will not be ignored.
Q8. What is the maximum annual income I must have to
be eligible for PMAY?
Your annual income should not exceed Rs. 18 lakhs.
However, there are no lower limits for the PMAY
income requirement.
Q9. Why would sustainable and green technologies be
used for construction in housing projects under the PMAY? Are not they making it more expensive that way?
The ecological projects do not mean that the PMAY constructions will make the final
price of the house expensive. It only means that it will ensure that the
environment is not harmed in any way. It is essential to ensure that people in
the future and also in the near future do not perish due to environmental
hazards, considering that global warming is a real phenomenon and is affecting
our country, more than we realize.
Q10. What is a Nodal Central Agency when we talk
about PMAY?
These are basically nodal agencies identified by the
Ministry or the Government to function as agencies that implement subsidies
linked to credit.
Q11. What does one mean with carpet area instead of Pradhan Mantri Awas Yojana?
The area enclosed within the walls, real area to place
the carpet. This area does not include the thickness of the interior walls.
Q12. How does the housing project guarantee that
there is sufficient labor for the construction of housing under the PMAY in rural regions?
The Mahatma Gandhi National Rural Employment
Guarantee Act allows the government to hire enough labor for the construction
of houses under PMAY in rural
regions. The beneficiaries of PM Awas
Yojana will have access to unskilled labor for 90 days through MGNREGA.
30,000 bricklayers have already been trained for this purpose as of September
2016.
Q13. What is FAR when it comes to PMAY?
Let's look at the equation to quickly understand
what FAR means:
• Floor area ratio = Total covered area in all
floors x 100 divided by plot area.
• However, some cities or towns may have different
definitions. The definitions that have been promoted by the region will be
considered in such conditions to eliminate any kind of confusion.
Q14. What are the Implementation Agencies and how to do
they differ from the Central Nodal Agencies (CNAs)?
These agencies are part of urban local bodies,
housing boards, development authorities, etc., unlike the nodal agencies that
have been chosen by the state government or SLSMC with the purpose of
implementing housing for PMAY
missions.
Q15. What is TDR or Transfer of Development Rights?
This term simply guarantees the availability of a particular quantity that is added to the accumulated amount with respect
to the area of land delivered or transferred, which allows the owner to use
an additional accumulated area for himself in some other land.
Q16. Who is the scheme for?
Anyone who belongs to the economically weaker
section of society and does not own a "pucca" house
Q17. Who is a beneficiary family?
Individuals who make use of the benefit under the
scheme is known as the beneficiary family
Q18. Is the scheme for non-resident Indians?
Yes
Q19. Are there other subsidies/discounts provided
in this scheme?
Do not
Q20. What is the term of the loan?
20 years to qualify for the subsidy. If it is
extended, the subsidized rates will not be applicable.
Q21. Is it an obligation for a woman to own property?
Yes, it is for low-income groups and economically
weaker sectors of society.
Q22. Can this be served in rural areas?
No. It is limited to urban areas.
Q23. Can I apply if I do not have an Aadhaar Card?
To apply online, it is mandatory that all citizens
have an Aadhaar Card. It is recommended that you obtain your Aadhar Number from
the nearest Common Service Center (CSC) as soon as possible.
Q24. Do I have to pay for the registration?
You will only have to pay an application fee of
Rs.25 plus the service tax in the Common Services Centers. However, charges do
not apply if you apply online.
Q25. What are the benefits of the scheme?
CLSS offers an advance subsidy of 6.5% for the
categories of the Economically Weakest Section (EWS) and the Low Income Group
(LIG) for loans up to Rs.6 lakh. For the Medium Income Group-I (MIG-I), the
beneficiaries get an interest subsidy of 4% on housing loans of up to Rs.9
lakh. For beneficiaries of the Middle Income Group-II (MIG-II), a 3% interest
subsidy is offered on loans up to Rs.12 lakh
Q26. Are there criteria for household income?
Yes, there is an income criterion that is exercised
when choosing eligible beneficiaries under the scheme. The criteria for
household income are the following:
• For applicants with an income in the range Rs.0 -
Rs.25, 000 per month, any component may be preferred.
• For income in the range, Rs.25, 001 - Rs.50, 000
per month, only the CLSS Section Economically weaker section (EWS) /Low-income
group (LIG) can be selected.
• Only those whose monthly income is in the range of
Rs.50, 001-Rs.1, 00,000, can only select CLSS Middle Income Group-1 (MIG-1).
• For applicants whose income is between Rs.1,
00,001 and Rs.1, 50,000 per month, you can only choose CLSS Middle Income Group
(MIG-II).
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