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Launched on 15th June 2015, PMAY Urban aims to provide affordable housing for all urban poor by 2022. This includes the construction of 2 crore+ pucca houses, alongside offering basic civic amenities, such as water connection, 24x7 electricity supply etc.
If you want to know more about this scheme, continue reading!
Here are the following benefits you can enjoy if you choose to construct your dream home under PMAY Urban scheme:
One of the crucial benefits of PMAY Urban is that every economic group is eligible for interest subsidy. Take a look at how much interest subsidy each group are eligible for:
You can also use the subsidy calculator to view the subsidy amount for each income category.
Besides PMAY (U), the government also offers PMAY Gramin. It provides affordable housing solutions to rural and slum areas. Approximately PMAY Gramin completed 20.65 lakh houses.
This scheme also aims to limit environmental damage. Developers must use low-carbon building technologies to meet this objective. The Indian Ministry claims that more than 16 lakh houses have been built using green technology. It will lower approximately 12 million tonnes of CO2 emission by 2022.
Besides these, women, minorities, disabled and senior citizens are also given preference.
In addition, you need to be aware of a few essential guidelines of Pradhan Mantri Awas Yojana Urban, which are listed below:
The following beneficiaries enjoy PMAY-HFA (URBAN):
However, you must meet the following PMAY eligibility to enjoy the benefits of this scheme:
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Besides these common eligibility criteria, there are several parameters for each economic group. Given below is a table that further elaborates on the PMAY Subsidy Eligibility:
|
Economic Groups |
Carpet Area |
Annual Income |
|
Economically Weaker Section |
30 square meters |
Up to ₹3 lakh |
|
Lower Income Group |
60 square meters |
₹6 lakh |
|
Middle-Income Group I |
160 square meters |
₹6 lakh - ₹12 lakh |
|
Middle-Income Group II |
200 square meters |
₹12 lakh - ₹18 lakh |
To check the beneficiary list of Pradhan Mantri Urban Awas Yojana, follow this process:
Step 1: Visit the official website of PMAY
Step 2: Select "Search Beneficiary" and click on "Search By Name"
Step 3: Enter your Aadhaar card number and click on "Show" to view the beneficiary list.
Once you are eligible for Pradhan Mantri Awas Yojana Housing For All-Urban scheme, apply online and offline.
To apply PM Awas Yojana 2021 online, follow the steps mentioned below:
Step 1: Visit the official website of PMAY.
Step 2: Click on "Citizen Assessment" and click "Apply Online". Select from the four available options from the drop-down menu.
Step 3: Authenticate your identity by entering your Aadhaar card or Virtual ID number and name. Click on "Check".
Step 4: The page redirects to the online application form. Fill in the required information such as your name, residential address, residential city, address etc.
Step 5: Enter captcha code and submit by clicking "Save"
Besides knowing how to apply for PM Awas Yojana online, let's know about the offline procedures to apply for this scheme.
Individuals without internet access can visit the Common Service Centre, backed by state governments or financial institutions listed under PMAY. You need to pay ₹25+applicable GST to get the application form. Fill it in with relevant information such as your name, residential city etc.
Before applying for this scheme, keep the following documents handy to avoid any inconvenience in Pradhan Mantri Awas Yojana Housing For All-Urban scheme:
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Purchasing a house involves a significant investment. However, the PMAY scheme lowers such a financial burden by offering an interest subsidy.
For example, if an individual from EWS wants to purchase a house worth 15 lakh, a 20% down payment that is ₹3 lakh is mandatory. Therefore, he needs to apply for a loan of the remaining ₹12 lakh. However, under Pradhan Mantri Awas Yojana Urban, the applicants will enjoy an interest subsidy, say 6.5%, on the loan amount up to ₹6 lakh. In this way, it lowers the financial burden.
Take a look at how much interest subsidy each economic group shall have:
|
Economic Groups |
Interest Subsidy |
Loan Amount Eligible for Interest Subsidy |
|
Economically Weaker Section |
6.5% per annum |
₹6 lakh |
|
Lower Income Group |
6.5% per annum |
₹6 lakh |
|
Middle Income Group I |
4% per annum |
₹9 lakh |
|
Middle Income Group II |
3% per annum |
₹12 lakh |
|
Loan amount |
₹6 lakh |
|
Interest rate |
9% |
|
Monthly Instalment |
₹5,398 |
|
Interest payable (tenure 20 years) |
₹6.95 lakh |
|
Loan amount |
₹3,33,000 |
|
Applicable Interest Rate |
9% |
|
Monthly Instalment |
₹2,996 |
|
Interest Payable (tenure 20 years) |
₹3.86 lakh |
|
Total Reduction on Monthly Instalment |
₹2,402 |
|
Total Savings on Interest Payment |
₹3, 08,939 |
To check the PMAY beneficiary status or application status of this scheme, here are the few steps you need to follow:
Step 1: Visit the official website of PMAY
Step 2: Select from either of the two options –
Now, fill in necessary details such as city, district, state name, mobile number etc. and click "Submit".
As mentioned earlier, if you cannot apply Pradhan Mantri Awas Yojana online, visit any of the eligible banks listed below to apply for this scheme:
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State Nodal Agencies under PMAY Urban implement this in their respective states. These agencies ensure that eligible beneficiaries get approvals by submitting relevant documents and enjoy interest subsidies.
Here is the list of five state nodal agencies. Take a look:
|
State |
Organisation |
Contact Details |
|
Andhra Pradesh |
Andhra Pradesh State Housing Corporation Limited |
Address – Himayat Nagar, Hyderabad – 500029. Email ID: apshcl.ed@gmail.com |
|
Bihar |
Government of Bihar |
Address – Urban Development and Housing Department, Vikas Bhawan, Bailey Road, New Secretariat, Patna, Bihar – 15. Email Id: sltcraybihar@gmail.com |
|
Gujarat |
Government of Gujarat |
Address – Affordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar – 382010. Email Id: gujarat.ahm@gmail.com/ mis.ahm2014@gmail.com |
|
Jharkhand |
Urban Development Department |
Address – 3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004. Email Id: jhsltcray@gmail.com/ director.ma.goj@gmail.com |
|
Kerala |
State Poverty Eradication Mission |
Address – TRIDA Building, Jn. Medical College, PO Thiruvananthapuram. Email Id: uhmkerala@gmail.com |
Besides, if you face any issues or want to know more about PMAY Urban, here are the following toll-free customer care numbers:
As of 2021, the Indian government has approved approximately 3.61 lakhs houses under PMAY Urban scheme. This shows a promising development of this scheme to meet its primary objective. This covers fulfiling the dreams of weaker sections of the society to construct houses at an affordable rate. Thus, if you are an eligible beneficiary, keep these pointers in mind mentioned above to avoid complications while applying.
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