Pradhan Mantri Awas Yojana(PMAY) – List and How to check Status

Even today, millions of Indian citizens cannot build their own homes due to financial constraints. The Pradhan Mantri Awas Yojana 2022 (PMAY) is a Central Government initiative for such Indian citizens. The Prime Minister of our country, Shri Narendra Modi, launched the Pradhan Mantri Awas Yojana in 2015. This housing scheme provides financial assistance to India’s rural population. This initiative assists the economically disadvantaged members of society to achieve their dream of having a place to call “home.” Continue reading to learn how you can benefit from the Pradhan Mantri Awas Yojana 2022 and build your dream home.

Pradhan Mantri Awas Yojana – Overview 2022-23

A social welfare programme launched by then-Prime Minister Rajiv Gandhi in 1985 as ‘Indra Awas Yojana’ continues to thrive today as ‘Pradhan Mantri Awas Yojana ‘or PMAY. The IAY has been restructured to meet the current needs and scenarios of the rural population, ensuring that they have a roof over their heads. The Government of India’s Pradhan Mantri Awas Yojana scheme has a clear vision of replacing all temporary (kutcha) houses with permanent (pukka) houses by the end of 2022.

The Pradhan Mantri Awas Yojana 2022  is a scheme by the Government of India to provide the economically weaker section of society with affordable housing, and to construct 2 crores (20 million) budget-friendly houses by 2022. It is divided into two parts: Pradhan Mantri Awas Yojana Urban or PMAY-U for society’s urban poor population and Pradhan Mantri Awas Yojana Gramin or PMAY-G / PMAY-R for society’s rural poor population. This initiative is combined with other government schemes for ensuring that houses have sanitary toilets, Ujjwala Yojana LPG connections, Saubhagya Yojana electricity connections, Jan Dhan banking offices, and access to drinking water, among other necessities.

PMAY 2023 (URBAN)

Pradhan Mantri Awas Yojana Urban provides central assistance to all Indian states and union territories through different organisations to achieve the goals of the Indian government’s PMAY Housing for All scheme. To promote women’s empowerment through property ownership, the female head of the family must be either the owner or the co-owner of the residence created under PMAY-Urban.

Features and Benefits of PMAY Urban

• Beneficiaries are eligible for a 6.5 % interest rate subsidy on home loans based on their income level.
• Loans can be utilised to either build or buy a pre-owned home.
• The repayment of the loan can be made over a period of 20 years. 
• Senior citizens and individuals with disabilities will be prioritised for ground-floor housing.
• The structures will be built with eco-friendly and long-lasting materials.
• Basic facilities such as electricity, water, and gas connections will also be provided.

PMAY (GRAMIN) 2023

The Pradhan Mantri Awas Yojna Gramin, or PMAY scheme, is one of the three major nationwide welfare programmes under the Ministry of Rural Development’s purview. The Indian government has assigned over INR 130,000 crores to achieving this goal, with a strong vision and powerful motive. The Federal Government and the State Government will split the costs of assistance in a ratio of 60:40 for the plain region and a ratio of 90:10  for the hilly regions, which includes the Northeast and Himalayan states. This scheme has so far resulted in the construction of over 1.3 crore homes.

Features and Benefits of PMAY Gramin

The Pradhan Mantri Awas Yojana’s benefits and features are: 

• The unit aid in the plains is Rupees 1.20 lakh, while it is Rupees 1.30 lakh in the hilly regions.
• The overall cost of this scheme is Rupees 1,30 075 crore, which will be shared in a  60:40 ratio by both central and state governments.
• Beneficiaries in rural areas will be determined using data from the Socio-Economic and Caste Census or  SECC 2011, in which Gram Sabhas will verify.
• State governments will classify difficult areas in their respective states. These classifications will be based on the current categorisation in the state for any other provision. Himachal Pradesh, Jammu and Kashmir, and Uttarakhand are included in this category.
• Financial assistance will be provided for building one crore housing units.
• Housing construction space will be increased from 20 to 25 square metres, along with the kitchen area.

Pradhan Mantri Awas Yojana Form 2022-23

Pradhan Mantri Awas Yojana form 2022 can be fulfilled for two broad purposes: –  

Slum dwellers: These are individuals who live in overcrowded, dehumanising, and unhealthy environments.

Others: People in the ‘others’ category are divided into four categories based on their annual household income. The following are the categories:

• Economically Weaker Section or EWS
• Lower Income Group or LIG
• Middle-Income Group-I
• Middle Income Group-II

Note: The MIG-I and MIG-II subsidy was only available until March 2021. The subsidy is now only available to the economically disadvantaged (EWS) and lower income groups (LIG).

Pradhan Mantri Awas Yojana Application Form 2022-23 (Online)

The following are the steps for obtaining the Pradhan Mantri Awas Yojana online application form 2022. 

Step 1: Go to the PMAY official website at https://pmaymis.gov.in/ 

Step 2: Choose ‘citizen assessment’ and select Pradhan Mantri Awas Yojana’s ‘apply online’ option. 

Step 3: Enter your Aadhar Number and click ‘Check’ to validate your Aadhar information.

Step 4: After the verification, fill out the form with your information. Ensure all the information you provide is correct; otherwise, your application form will be rejected.

Step 5: After entering all of your information, scroll to the bottom, enter the captcha, and click the submit button. Your application process is now complete.

Note: If you think you have provided the wrong info, you can make changes to the form by using your Application and Aadhar number.

Documents Needed to Fill PMAY Online Form

• The applicant’s Aadhaar card
• The applicant’s proof of income
• The applicant’s mobile phone number
• The applicant’s residential address
• Photograph of the candidate
• Details of the bank account into which the PMAY subsidy would be deposited.

Pradhan Mantri Awas Yojana Offline Application

You could even fill out the Pradhan Mantri Awas Yojana Registration Form 2022 offline by visiting your nearest CSC or affiliated bank partnered with the government on the PMAY programme. A small fee of Rs 25 must be paid for the offline PMAY 2022 registration form.

The following documents must be included with your PMAY 2022 application at the time it is submitted:

• A copy of your ID
• Address proof copy
• Aadhaar card copy
• Income proof copy
• valuation certificate of the property
• NOC from the authorised authority.
• Affidavit stating that neither you nor your family owns any property in India.

Benefits and Features of Pradhan Mantri Awas Yojana

Following are the features of the PM Yojana scheme: 

• All beneficiaries who borrow money for up to 20 years are eligible for an interest subsidy of up to 6.5 per cent.
• A credit-linked subsidy of 6.5 per cent would be offered for loans up to Rs 6 lakh.
• People earning up to Rs 12 lakh per year will receive a 4% interest subsidy on a loan of Rs 9 lakh.
• People that earn up to Rs 18 lakh per year will receive a 3% subsidy on a loan of Rs 12 lakh.
• Any borrowed loan over the discounted amount would be levied at a non-subsidized rate.
• Under the PMAY scheme, people with disabilities can get a preference for a ground-floor home.
• Houses will be constructed using environmentally friendly and long-lasting technologies.
• An e-payment would be done directly to the beneficiary’s bank account linked to their Aadhaar number.

Pradhan Mantri Awas Yojana: Eligibility 2023

The Pradhan Mantri Awas Yojana eligibility criteria are as follows:

• The candidate must be a citizen of India.
• The beneficiary must be of 18 years or more.
• The beneficiary cannot own a residential unit in India in the name of a family member.
• The applicant must not have received any state or federal government benefit or subsidy concerning purchasing a housing unit under the PMAY plan.
• The applicant and any family members must not have any owned property (including the dependents).
• House restoration, self-construction loans and advancement loans will be available only to EWS and LIG groups.

Males and females of the family will jointly own the residences offered under the PMAY scheme.

How to Check Pradhan Mantri Awas Yojana Application Status?

You can check the status of your Pradhan Mantri Awas Yojana Status for application in 2023 by following the steps outlined below.

• Go to the PMAY official website.
• Select ‘Citizen Assessment.’
• Select one of the options under ‘Track your assessment status.’
• Enter the details and click submit if you selected ‘By Assessment ID.’
• If you choose ‘By Name, Father’s Name, and Number,’ then fill out the form and press the submit button.

You will be able to check the status of your application for the PMAY scheme after filling out the application in any of the methods listed above.

Subsidy for PMAY Calculation and Details 2022-23

Follow these steps to determine the Pradhan Mantri Awas Yojana subsidy interest rate.

• Log on to PMAY’s official website.
• When you click on ‘Subsidy Calculator,’ you will be taken to another page.
• Fill in the Yearly Family Income section or slide the orange bar.
• Fill out the loan section or move the orange bar.
• Fill out the tenure section or slide the orange bar.
• Answer the question, “Is this your first Pucca House?” by selecting Yes/No.
• Describe your carpet area (in square metres).

When you correctly enter the above information, the page will display your scheme details. You will also be able to see your  Pradhan Mantri Awas Yojana subsidy amount and category.

Pradhan Mantri Awas Yojana: Home Loan Details

You can check the subsidy percentage for Pradhan Mantri Awas Yojana Home Loan below: 

How to Seek Help for PMAY?

For any assistance, you can send an email to the banks mentioned below or call on the toll-free number for immediate response. 

You can call these numbers for further assistance: 011-23060484, 011-23063620, 011-23063567 and 011-23061827. You can also send an email addressing your problem or seeking assistance to this mail Id:-  grievance-pmay@gov(dot)in

FAQ’s about PMAY Scheme