Pradhan Mantri Awas Yojana 2023(PMAY) was started by Prime Minister Shri Narendra Modi in 2015. The goal of this scheme is to provide a pucca house to all the citizens of the country. By 2023, the central government has planned to provide houses to all the citizens of the country who are still homeless. Along with this, the Government of India gives subsidy to such people who want to buy a house or flat by taking a loan. Further in this article, we will tell you which people will be benefited through Pradhan Mantri Awas Yojana.
Pradhan Mantri Awas Yojana 2023 – Urban
The Government of India started the Pradhan Mantri Awas Yojana in the year 2015. This plan is divided into three phases. The first phase of the scheme started in June 2015 and ended in March 2017. The second phase of the scheme started in April 2017 and ended two years later in March 2019. The third and last phase of this scheme was started in April 2019 and will end in March 2022.
Pradhan Mantri Awas Yojana-Urban has been extended till December 2024
The Ministry of Housing and Urban Affairs of India has issued an order dated 17 August 2022, extending the Pradhan Mantri Awas Yojana-Urban till 31 December 2024. This expansion has been done in all the remaining parts of PMAY-U except the CLSS (Credit Linked Subsidy Scheme) loan based interest subsidy scheme. Pradhan Mantri Awas Yojana 2023
The Central Government has clearly stated in this order that no new houses will be approved under PMAY-U during this extended time. During this financial assistance will be provided only for the previously approved accommodation. The government has already sanctioned 122.69 lakh houses under the PMAY-U scheme till March 31, 2022. Pradhan Mantri Awas Yojana 2023
Key Features of PM AWAS Yojana (Urban)
- All weather labor dwelling units with kitchen, water, toilet and electricity
- women empowerment
- Security of Ownership / Lease
- quality of life for the urban poor
- adequate physical and social infrastructure
- Pradhan Mantri Awas Yojana – Eligibility for Urban (Eligibility Criteria for PMAY-U)
- Citizens of India who come under the Economically Weaker Section (EWS), Lower Income Group (LIG), Middle Income Group (MIG) category are eligible to avail benefits under this scheme. .
People who do not have a permanent house in their name or in the name of any member of their family anywhere in India Pradhan Mantri Awas Yojana 2023
Family means husband, wife and unmarried children
whose house is partly pucca or kutcha Pradhan Mantri Awas Yojana 2023
The adult earning member of the family is also eligible for this scheme whether he is married or unmarried Pradhan Mantri Awas Yojana 2023
- Families falling under EWS /LIG /MIG category
- Parts of PM Awas Yojana-Urban (PMAY-U)
- ISSR (In-Situ Slum Redevelopment)
- CLSS (Credit Linked Subsidy Scheme) Credit Linked Interest Subsidy Scheme
- AHP (Affordable Housing In Partnership)
- BLC (Beneficiary Led Construction) Beneficiary based individual housing construction / expansion
- ISSR (In-Situ Slum Redevelopment)
ISSR is the short form of In-Situ Slum Redevelopment which in Hindi means in-situ redevelopment plan for slums. Under this, land is used as a resource with the participation of private developers. And financial assistance of ₹1 lakh per house is provided by the central government for all houses built for redevelopment of eligible slum dwellers. Pradhan Mantri Awas Yojana 2023
After redevelopment, de-notification of such slums is recommended by the concerned State or Union Territory Government. States/cities have been given the freedom to utilize this central assistance for redevelopment of other slums. The respective states or cities allow additional Floor Space Index (FSI) / Floor Area Ratio (FAR) or Transfer Of Development Rights (TDR) facility to make the projects financially more viable. Pradhan Mantri Awas Yojana 2023
For slums on privately owned land, the state or city provides additional FSI/FAR or TDR to the land owner as per their policy. In such a case no assistance is received from the Central Government.
CLSS (Credit Based Interest Subsidy Scheme)
CLSS is the short form of Credit Linked Subsidy Scheme which in Hindi is called Credit Based Interest Subsidy Scheme. Beneficiaries of Economically Weaker Sections (EWS), Lower Income Group (LIG), Middle Income Group (MIG)-I and Middle Income Group (MIG)-II who are covered by Bank, Housing Finance Company and 6.5% on loan amounts of ₹ 6 lakhs, ₹ 9 lakhs and ₹ 12 lakhs respectively for acquisition, construction or enhancement of houses (applicable only for EWS / Low Income Group) who wish to take home loans from such other institutions , 4% and 3% interest subsidy can be availed.
The Ministry has designated the Housing and Urban Development Corporation (HUDCO), the National Housing Bank (NHB) and the State Bank of India (SBI) as the Central Nodal Agency (CNA) to disburse the loans to the beneficiaries through the lending institutions. disburse subsidy in a transparent and orderly manner and monitor the process.
CLSS Awas Portal (CLAP) has contributed significantly in streamlining the processes under CLSS component which has also facilitated in reducing grievances by the Ministry. The benefits available under the CLSS scheme in Pradhan Mantri Awas Yojana can be easily understood from the table given below. Pradhan Mantri Awas Yojana 2023
ऋण आधारित ब्याज सब्सिडी योजना (CLSS) हेतु पात्रता और लाभ
| विवरण | EWS | LIG | MIG-1st | MIG-2nd |
| पारिवारिक आय (वार्षिक) | 3 लाख तक | 3-6 लाख तक | 6-12 लाख तक | 12-18 लाख तक |
| कारपेट एरिया (वर्ग मीटर) | 30 | 60 | 160 | 200 |
| वार्षिक ब्याज सब्सिडी (%) | 6.5% | 6.5% | 4% | 3% |
| अधिकतम ऋण अवधि | 20 वर्ष | 20 वर्ष | 20 वर्ष | 20 वर्ष |
| पात्र लोन राशि | 6 लाख | 6 लाख | 9 लाख | 12 लाख |
| रियायती निवल वर्तमान मूल्य दर (Discounted Net Present Value Rate) | 9% | 9% | 9% | 9% |
| 20 साल के लिए लोन पर सब्सिडी की अग्रिम राशि | 2,67,280/- | 2,67,280/- | 2,35,068/- | 2,30,156/- |
| लगभग मासिक बचत 10% की दर पर ऋण ब्याज | 2500/- | 2500/- | 2250/- | 2200/- |
AHP (Affordable Housing in Partnership)
Under AHP, an assistance amount of ₹ 1.5 lakh per EWS house is provided by the Government of India. In order to be eligible for central assistance in an affordable housing project, at least 35% of the houses in the project must be of EWS category. States/UTs fix a ceiling price for the sale of EWS houses to make them affordable and accessible to the beneficiaries. States and cities provide other concessions such as their state share, land at a cheaper rate, stamp duty exemption, etc. Pradhan Mantri Awas Yojana 2023
BLC (Beneficiary Based Individual Housing Construction/Expansion)
Eligible families belonging to EWS categories are provided assistance of ₹ 1.5 lakh per EWS house for individual house construction/ expansion. The local urban bodies verify the information provided by the beneficiary and the housing construction plan to ascertain the ownership of the land, economic status and eligibility. The assistance amount is released by the States and Union Territories to the bank accounts of the beneficiaries through DBT.
PM Awas Yojana-Urban Registration
The Ministry of Housing and Urban Affairs of India has extended the Pradhan Mantri Gramin Awas Yojana till 31 December 2024 by order number 11011/37/2021-HFA-IV-UD (E-9111947) dated 17 August 2022. The Central Government has clearly stated in this order that no new houses will be approved under PMAY-U during this extended time.
During this financial assistance will be provided only for the previously approved accommodation. The government has already sanctioned 122.69 lakh houses under the PMAY-U scheme till March 31, 2022. Therefore, now you cannot apply / register to get the benefits of this scheme.
As soon as the registration for this scheme will be resumed by the government, you will be informed through this article so that by registering in this scheme, you can get the amount of assistance to build your dream house. Pradhan Mantri Awas Yojana 2023
Pradhan Mantri Awas Yojana – Urban Contact Number (PMAY-U Contact Details)
For any information, suggestion or complaint related to PMAY-U, you can contact through the following means
- Phone No. 011-23063285, 011-23060484
- 011-23063620, 011-23063567
- Email grievance-pmay@gov.in
Pradhan Mantri Awas Yojana – Rural
The rural housing program called Indira Awas Yojana (IAY) was launched as an independent program in January 1996. Although the housing needs in rural areas were met in the IAY, some deficiencies were noticed during an evaluation by the Comptroller and Auditor General of India (CAG) in 2014. Such as non-estimation of shortage of houses, lack of transparency in selection of beneficiaries, poor quality of houses and lack of technical survey, lack of co-ordination and non-availability of loans to beneficiaries, etc.
adversely affect the impact and outcome of the programme. Had been. To overcome these shortcomings in the rural housing scheme and keeping in view the commitment of the Government to provide “Housing for All” by the year 2022, Indira Awas Yojana has been restructured as Pradhan Mantri Awas Yojana-Gramin (PMAY-G) with effect from 01.04.2016 Has been done
PMAY-G Objective and Assistance Amount
The objective of PMAY-G is to provide pucca houses equipped with basic amenities by the year 2022 to all homeless families and families living in kutcha and dilapidated houses. The main objective of this scheme is to provide houses to one crore families living in kutcha/
dilapidated houses in three years i.e. from 2016-17 to 2018-19. The minimum size of the house has been increased from 20 square meters to 25 square meters with a clean kitchen. In this scheme, the amount of assistance is Rs. 70,000 in plain areas. 1.20 lakh to Rs. 75,000 in hilly states, difficult areas and IAP districts. 1.30 lakh to Rs. has been done.
Beneficiaries are entitled to get 90/95 days unskilled wages from MNREGA scheme. Assistance will be provided in coordination with SBM-G, MGNREGA or any other source of funding for construction of toilets. Efforts are also made to coordinate various government programs for piped drinking water supply, electricity connection, LPG gas connection etc.
Selection and Eligibility of Beneficiaries for PMAY-G
Selection of beneficiaries is one of the most important features of PMAY-G. In the selection of beneficiaries, it is ensured that assistance is given to the genuinely deserving and disadvantaged. For this, instead of selecting beneficiaries from BPL families, PMAY-G uses Socio Economic and Caste Census-2011 (SECC-2011) data to select beneficiaries,
which is verified by the Gram Sabha. In SECC, the data of those families, who are homeless or live in houses with 0, 1 and 2 rooms with kutcha walls and kutcha roof, a list of such people is prepared. Which helps in better planning for implementation. An appellate procedure has also been laid down for redressal of grievances relating to selection of beneficiaries.
Pradhan Mantri Awas Yojana – Registration for Gramin
To ensure transparency in the selection of beneficiaries, the data of Socio-Economic and Caste Census-2011 (SECC-2011) has been made the basis, so that only eligible and homeless people can take advantage of this scheme, so before applying for this scheme First of all, you will have to check your eligibility on the basis of SECC-2011 data, let us inform you about your eligibility for this scheme and each step of the registration process for Pradhan Mantri Awas Yojana- Gramin through this article. Are
Step-1 First of all, on the AwaasSoft portal, for the eligibility and registration detail of the beneficiary, the state name of the applicant, the name of the district, the name of the block (development block), the concerned gram panchayat and the social category of the beneficiary (General /OBC /SC Etc.) has to be selected. After that click on “Search” button to see the list of families belonging to that Gram Sabha. As shown in the picture below.
Step-2 After clicking on the Search button, a list of the concerned beneficiary name along with PMAY ID and priority will appear. And now click on Select To Register in front of the name of the beneficiary whose name is to be registered. As shown in the picture below.
Step-3 Now the application form will open in front of you like this. In which the applicant will have to fill all his information. As shown in the picture below for your help.
Step-4 In the second part of the application, the applicant will have to fill the information related to the bank account.
Step-5 In the third part of the PMAY-G application form, the applicant (beneficiary) has to enter his/her MNREGA job card number (mandatory) and SBM (Swachh Bharat Mission) number. After that save the application and take a printout.
Amendment in PMAY-G Application Form (How to Edit PMAY-G Registration Form)
Search the name of the beneficiary by following Step-1 and Step-2 of registration for Pradhan Mantri Awas Yojana- Gramin for modification in PMAY-G application form. After that click on the name of the beneficiary. Due to which the application form will open on your computer screen. In which make the desired modification and save it. All the personal details of the beneficiary can be amended.
If the beneficiary name is unknown or blank then the name as per Aadhaar will be considered as the beneficiary name for acceptance of the beneficiary. The MNREGA job card number and SBM (Swachh Bharat Mission) number of the beneficiary can also be edited. Beneficiary bank details cannot be edited. For editing the bank details, the help of freezing module has to be taken.
How to check name in Pradhanmantri Awas Yojana Beneficiary List
To see the list of beneficiaries of PM Awas Yojana, you can follow the easy steps given below. With which very easily you will be able to see the list of beneficiaries of PMAY on your mobile / computer screen while sitting at home. Let us read about those steps one by one.
Step-1 To see the list of beneficiaries of this scheme, first of all you have to download Awaas App from Google Play Store.
Step-2 Now open the app and click on “Houses Near Me” at the bottom of the homepage as shown in the picture below.
Step-3 After this, on the page which will open on your screen, select your state name, district name, block (development block) name, gram panchayat name and village name respectively and click on the Search button.
Step-4 Now the page which will open on your mobile / computer screen, you will see the List View option on the top right side, click on it. Now the list of all the beneficiaries of the village you have searched will appear in front of you. By clicking on the name of the beneficiary, you can see all the information related to it in detail.
FAQ’s
What is Pradhan Mantri Awas Yojana?
Pradhan Mantri Awas Yojana (P. Awas Yojana) is run by the Government of India, which aims to provide housing facilities to the poor class people. Under this scheme, poor class people get assistance for housing facilities, such as proper housing, goods and services. Under this scheme, people get assistance for housing and they are given institutions for housing.
How to get housing under this scheme?
In order to get accommodation under this scheme, the applicants have to collect the application form from the concerned institute or place which will be available there. In the application form, information such as personal information, residential status, occupation and economic status of the applicant has to be given. After completing the application, the applicant will get an application number by the respective institute with the help of which they can check the application status. After the application is submitted by the concerned institute, the application will be scrutinized by the concerned authority
Who can be the beneficiaries of this scheme?
Beneficiaries of this scheme can be those people who fall in the poor category and need residential facilities. In this scheme, the poor class people are provided with the facility of residential facilities, such as proper housing, goods and services. To be the beneficiary of this scheme, the applicants have to follow the eligibility criteria which are set by the concerned institute. The eligibility criteria include information such as income, permanent location, occupation and residential status of the applicant.