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Pradhan Mantri Awas Yojana (PMAY) was created with the purpose of providing affordable housing to the most vulnerable members of society, such as low-income individuals, the urban poor, and the rural poor. Housing is a basic human right to which all citizens are entitled. While the rich and upper classes can easily afford to buy a home, the bulk of lower middle-class and people in poverty are still unable to do so. The Union government introduced the ambitious Pradhan Mantri Awas Yojana (PMAY) to address India's critical housing shortage, and I'll take you through the Pradhan Mantri Awas Yojana procedure of buying a property under this scheme.
Pradhan Mantri Awas Yojana (PMAY) with Credit Linked Subsidy PMAY introduced by our Honourable Prime Minister Shri Narendra Modi for Economically Weaker Sections (EWS), Low Income Groups (LIG), and Middle Income Groups (MIG – I & MIG –II). On the purchase or building of a home, the beneficiary would be eligible for an interest subsidy. The concept can also be used to improve a residential unit.
Pradhan Mantri Awas Yojana (PMAY) was launched with the aim to provide housing at an affordable price to the weaker sections of the society, lower income group people, urban poor, and rural poor. Additionally, the minister of finance confirmed that under the PM Awas Yojna, 80 lakh affordable housing will be built in 2022-23 for Rs 44,000 Under Pradhan Mantri Awas Yojana.
Pradhan Mantri Awas Yojana Beneficiary:
A family consists of a husband, wife, and their unmarried children. A family member who is not married and earns money can also be a beneficiary (only for MIG scheme).
In any part of India, the beneficiary should not own a pucca house in his/her name or in the name of any member of his/her family.
Beneficiary should not have received any support from the government under the CLSS programme.
Under PM Awas Scheme Meeting income criteria defined as per various categories
The following are the income criteria for various Household categories:
EWS households/individuals with an annual income up to Rs. 3.00 lakh
LIG households/individuals with an annual income more than Rs. 3.00 lakh and up to Rs. 6.00 lakh
MIG I households/individuals with an annual income more than Rs.6.00 lakh and up to Rs.12.00 lakh
MIG II households/individuals with an annual income more than Rs12.00 lakh to INR 18.00 lakh
Note : Pradhan Mantri Awas Yojana is applicable for a maximum considered tenure of 20 years.
Pradhan Mantri Awas Yojana eligibility criteria
You must be a member of the low-income group (LIG) or the economically weaker sections (EWS) of society to apply for a home under PMAY Housing for All. There are a few more requirements that you must meet:
A pucca house does not belong to you or any owner of your family members. A pucca house is one that is constructed of superior materials.
Your family comprises: you, your spouse and unmarried children.
The Economically Weaker Section (EWS) covers households with annual incomes of up to Rs 3 lakh, whereas the Low Income Group includes those with annual incomes of between Rs 3 and Rs 6 lakh (LIG).
To be eligible for PMAY benefits, you must present sufficient proof of your income or sign a document if you belong to one of these groups.
Those with an annual household income of between Rs 6 and Rs 12 lakh will fall into the Middle Income Group (MIG) 1 category and will be eligible for an interest discount on home loans up to Rs 9 lakh.
Individuals with a family income of between Rs 12 and Rs 18 lakh per annum will fall under the scheme's Medium Income Group (MIG) 2 and will be eligible for an interest discount on home loans up to Rs 12 lakh.
People from minority groups, such as SC/ST/OBC, shall be considered minorities. To be considered for the PMAY scheme, these individuals must present required caste and income certificates.
This is a pro-women initiative in which female family members are given priority in owning a home.
When applying for a ground-floor apartment, older and disabled people will be given priority over others.
Please note that the union government has approved an increase in the carpet area of the units that will be allocated under this scheme. MIG 1's carpet area will be expanded from 90 to 120 square metres, while MIG 2's will be 150 square metres. However, the existing carpet area limits for the EWS and LIG categories of 30 and 60 sq m would remain unchanged.
Pradhan Mantri Awas Yojana Guidelines
How to apply for a home under the PMAY?
If you meet the PMAY's eligibility requirements or if you live in a slum, you can apply using the Pradhan Mantri Awas Yojana online application form.
Select Citizen Assessment from the drop-down menu.
If you relate to the low income group (LIG) or economically weaker sections (EWS), select 'benefit under three components' under citizen assessment and submit the Format-B applications.
After that, click on 'check your assessment status' to keep track of your progress.
Pradhan Mantri Awas Yojana documents required
As per Indian Bank’s Association, the beneficiary is required to submit the following documents for purchasing a house under PMAY.
1.Duly filled application form
2.Self-affidavit income certificate (only if the income is below taxable limit)
3.Unique Identification – PAN Card/Aadhar Card/ Voter ID Card/Driving License/MNREGA No. Any Other Number or A Certificate of house ownership from Revenue Authority of Beneficiary’s Native District, etc.
4.Nationality Identification Proof
5.Caste certificate/Proof of category (whether belonging to SC/ST/OBC/Minority)
6.Copy of Address Proof
7.Income Proof – Original Salary Slip/Salary Certificate/Other income
8.Latest I.T. Return/ I.T. assessment Order/Form No. 16 if applicable
9.Statement of Bank Accounts – last 6 months
10.A brief note on the nature of business/activity/self-drawn attested financial statement/business license in case of self-employed.
11.Affidavit from the beneficiary stating that he/ she or any of the family members do not own a pucca house (all weather dwelling unit) in any part of India.
To know about the PMAY subsidy, you can refer to the website.
PMAY Registration
The eligible beneficiary can avail PMAY rural application form from any common service center across the country. To find the nearest Pradhan Mantri Awas Yojana CSC in your city, you can follow this link.
PMAY Online Registration through
Following are the steps to apply online for PMAY:
1) Visit the official PMAY registration website.
2) Click on ‘Apply Here’
3) Enter your Aadhar number, select the monthly household income, check the declaration box and click ‘Next’ button at the bottom of the page.
4) On the next page, you will be asked to select the verification method. You can choose any one of the option – Iris (Eye Scan), Fingerprint or OTP. Since you require an eye scanner machine for Iris and a fingerprint machine for fingerprint, choose the OTP option and click on ‘Proceed’.
5) Upon clicking ‘Proceed’, check the declaration box and click on ‘Generate OTP’ button, post which you will receive an OTP on your mobile number linked with Aadhar card. Now, enter the OTP and click ‘Validate OTP’ button.
6) On the next page, the PMAY urban application form will open, wherein, you are required to fill the details and submit the form. Upon completing the process, you will be given an ‘application number’ or ‘assessment ID’ through which you can track the status of the PMAY application at a later stage.
The application acknowledgement receipt can be downloaded by entering the Aadhar and application number at this link.
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