Pradhan Mantri Awas Yojana is a government initiative launched in 2015, which aims to provide affordable housing for first-time homeowners. The Pradhan Mantri Awas Yojana apply online process allows eligible individuals from economically weaker, low-income, and mid-income groups to benefit from interest subsidies on housing loans. You can apply or register for this scheme online, via the website, or offline, by visiting a Common Service Centre.

PMAY aims to build over 2 million pucca homes, replete with basic amenities like gas, electricity, and water by 2022. The program is divided into two sections, PMAY Urban (PMAY - U) and PMAY Gramin (PMAY - G) that benefit the urban and rural populations, respectively.

If you qualify for PMAY and are wondering how to apply for PMAY online, follow this step-by-step guide below.

1. Identify the category under which you qualify for PMAY.
2. Then visit the official website.
3. Click on ‘Citizen Assessment’ under the main menu and select the applicant category.
4. You will be redirected to a different page where you must enter your Aadhaar details.
5. Fill out the online PMAY application with your personal, income, and bank account details, and current residential address.
6. Enter the captcha code, verify the details for accuracy, and submit it.

You can track the application status later by clicking on 'Track your Assessment Status' under 'Citizen Assessment'.

Documents required before applying for PMAY

Here are the documents you need to apply for Pradhan Mantri Awas Yojana (PMAY):

• Identity proof: Aadhaar card, voter ID, passport, or driving license.
• Address proof: Latest utility bill, rent agreement, or any relevant document issued by an authorised body.
• Income proof: Salary slips, income tax returns, or bank statements.
• Property documents: Sale deed, property registration documents, or any other proof of purchase.
• Bank account details: Passbook or bank statement.
• Other certificates: Affidavit declaring that the applicant or their family does not own a pucca house.

These documents ensure that your application is complete and accurate, facilitating a smoother approval process for the PMAY scheme.

Who is eligibility criteria for PMAY?

Before learning how to apply for Pradhan Mantri Awas Yojana, you must meet its eligibility criteria, which are split into 4 main income categories. 

• Economically Weaker Section (EWS): Your family’s annual income should not be more than Rs. 3 lakhs
• Lower Income Group (LIG): Your annual household income is between Rs. 3 lakh and Rs. 6 lakhs
• Middle Income Group I (MIG I): Your annual household income ranges from Rs. 6 lakhs to Rs. 12 lakhs
• Middle Income Group II (MIG II): Your family’s annual income is above Rs. 12 lakh and below Rs. 18 lakhs

Additionally, you or your family members must not own a pucca house anywhere in the country or receive the benefit of any other government housing schemes.

PMAY is a housing scheme and it consists of the following four components.

• In-Situ Redevelopment: The government aims to redevelop land under current slum dwellings, providing urban slum dwellers with better constructed homes that have proper sanitation facilities. A grant of Rs. 1 lakh is also available to those who are eligible to improve their homes.
• Credit Linked Subsidy Scheme (CLSS): The government provides an interest subsidy of up to 6.50% on home loans offered via multiple banks and financial institutions, reducing the interest outgo and overall cost of the loan for first-time homeowners.
• Affordable Housing in Partnership: State governments in partnership with public or private developers will construct affordable housing for all beneficiaries, but with the focus on economically weaker sections of the society.
• Enhancement and construction of beneficiary-led houses: Eligible candidates that are exempt from the above-mentioned components will be granted financial assistance of Rs. 1.5 lakh from the central government to either rebuild their existing house or construct a new one.

To avail these benefits, you must apply for the PMAY scheme. On successfully applying, you will be allotted a unique application number, which you can use to check if your name is mentioned in the Pradhan Mantri Awas Yojana list. The PMAY list contains the names of eligible candidates whose applications have been accepted.

Here are the different types of Pradhan Mantri Awas Yojana (PMAY) schemes:

• PMAY Urban (PMAY-U): Targets the urban poor, including Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG) to provide affordable housing in urban areas.
• PMAY Gramin (PMAY-G): Focuses on providing affordable housing to the rural poor, ensuring they have access to basic amenities like gas, electricity, and water.

These schemes aim to address the housing shortage in both urban and rural areas, ensuring that every Indian has a pucca house by 2022.

How slum dwellers can apply for PM Awas Yojana online

Here is how you can apply for PMAY online as a slum dweller:

1. Visit the official Pradhan Mantri Awas Yojana website at pmaymis.gov.in.
2. Opt for the 'For Slum Dwellers' choice from the 'Citizen Assessment' dropdown.
3. Input your Aadhaar number and proceed by selecting the submit option. (The website will validate the accuracy of the provided Aadhaar details).
4. Upon successful validation, you will be directed to the subsequent page where you must furnish all relevant information including your name, income, number of family members, residential address, contact number, head of the family's age, religion, caste, and similar details.
5. After supplying all required information, scroll down, enter the captcha code, and conclude by clicking the submit button.

How can you register for Pradhan Mantri Awas Yojana offline?

If you are unable to apply online and wondering how to apply, PM Awas Yojana also supports an offline application. Simply visit a state government-run Common Service Centre and fill up the application form and pay Rs. 25 plus GST. Do note that no private centres or banks can accept offline PMAY applications.

What are the steps to apply for PMAY under the slum dwellers category?

To access PMAY benefits under the Slum Dweller category, follow the steps given below.

• Go to the official PMAY website.
• Select the ‘For Slum Dwellers’ option from the ‘Citizen Assessment’ dropdown list.
• Provide your Aadhaar Card number and then click on ‘Submit’.
• Enter accurate information such as your name, address and employment details.
• Fill in the captcha code and click on ‘Submit’.

Here are the steps to download the Pradhan Mantri Awas Yojana (PMAY) application form:

1. Visit the official PMAY website: pmaymis.gov.in.
2. Click on the ‘Citizen Assessment’ option and select the applicable category.
3. Enter your Aadhaar details to proceed.
4. Fill in the required information accurately.
5. Once the form is filled, click on the ‘Save’ button.
6. Click on the ‘Print’ option to download and print the application form.

To check your PMAY application status, you can visit the same website and use the ‘Track your Assessment Status’ feature under 'Citizen Assessment’.

What are the steps to apply for the PMAY subsidy under the ‘Other 3 components’ category?

If you qualify for PMAY under any of the three categories of EWS, LIG or MIG (I and II), follow the steps given below.

1. Log on to the official PMAY website and select the ‘Benefit Under Other 3 Components’ option from the ‘Citizen Assessment’ tab
2. Enter your Aadhaar number and click on the ‘Submit’ button
3. Post verification, you will be directed to a page where you need to fill out the required information regarding your age, employment and family
4. On filling every required field, enter the captcha code and click on ‘Submit'

With a clearer understanding of the Pradhan Mantri Awas Yojana scheme, how to apply for it, and eligibility criteria, be sure to opt for Bajaj Finserv Home Loan to enjoy its benefits.

As a beneficiary, you can get the interest subsidy of up to Rs. 2.67 lakh under the CLSS component and gain access to a high-value sanction on offer. Further, you can easily repay this loan over a flexible tenor of up to 30 years, thus helping you keep your EMIs pocket friendly.

Is PMAY applicable for house purchase?

The Pradhan Mantri Awas Yojana (PMAY) scheme allows house purchase through PMAY-CLSS (Credit Linked Subsidy Scheme). Eligible beneficiaries get interest subsidies on home loans for buying or constructing a new house. Income categories covered are EWS, LIG, MIG I, and MIG II. Subsidy amounts vary based on income. The aim is to make homeownership affordable for economically weaker sections. Apply through approved lenders, meet eligibility criteria, and provide required documents for the subsidy.

How to check Pradhan Mantri Awas Yojana status?

To check your PMAY application status, follow these steps:

1. Visit the official website: Go to the official Pradhan Mantri Awas Yojana website.
2. Navigate to the ‘Citizen Assessment’ section: Click on the ‘Citizen Assessment’ tab.
3. Select ‘Track Your Assessment Status’: Choose the option to track your assessment status.
4. Enter your details: Provide the required details such as your assessment ID or Aadhaar number.
5. Submit and view status: Click on the ‘Submit’ button to view your application status.

For more detailed information, you can refer to this link.

Tax benefits under PMAY

1. Interest subsidy: Beneficiaries can receive an interest subsidy on home loans under the Credit Linked Subsidy Scheme (CLSS).
2. Tax deductions on interest paid: You can claim deductions on the interest paid on your home loan under Section 24(b) of the Income Tax Act.
3. Principal repayment deductions: The principal repayment of the home loan is eligible for tax deductions under Section 80C of the Income Tax Act.
4. Additional deduction for first-time home buyers: First-time home buyers can avail an additional deduction under Section 80EEA.

What are the rules of PMAY?

The Pradhan Mantri Awas Yojana (PMAY) has several rules and guidelines that applicants must follow. Here are some of the key rules:

1. Income criteria: PMAY has specific income criteria for different categories. The eligibility is based on the annual household income of the applicant and their family members. The income categories are Economically Weaker Section (EWS), Lower Income Group (LIG), Middle Income Group I (MIG I), and Middle Income Group II (MIG II).
2. Property ownership: The beneficiary or any member of the family should not own a pucca house (a house with a roof) anywhere in India to be eligible for PMAY.
3. Application procedure: Interested applicants must apply through authorized channels and submit necessary documents to prove their eligibility.
4. Validity period: The PMAY scheme has a defined validity period, and applicants must apply within this period to avail of the benefits.
5. Interest subsidy: Under PMAY-CLSS, eligible beneficiaries can avail of interest subsidies on home loans for buying or constructing a new house. The amount of subsidy varies based on the income category.
6. Loan amount: The loan amount sanctioned for the house purchase or construction should not exceed the maximum limit defined by the scheme.
7. Property location: PMAY has both urban and rural components, and the location of the property can impact the eligibility and benefits available.
8. Carpet area limit: The carpet area of the house being purchased or constructed should be within the defined limits based on the income category.
9. Co-ownership: Married couples can apply for PMAY together to avail of the subsidy if they meet the eligibility criteria.
10. Aadhaar linkage: The applicant and co-applicants must have a valid Aadhaar card, as it is mandatory for PMAY application.

How to verify the Garmin List of PM Awas Yojana applicants

Registered applicants of PM Awas Yojana should verify their inclusion in the Gramin list. Follow these steps:

1. Visit the official PM Awas Yojana website.
2. Navigate to the "Reports" section on the homepage.
3. Select the "Beneficiary Details for Verification" option.
4. Provide district, state, village details, and select the year.
5. Choose PM Awas Yojana and enter the captcha code.
6. Click "Submit" to view the list.

Disclaimer:

The validity of the PMAY scheme has not been extended.

• The EWS/ LIG schemes have been discontinued w.e.f. March 31, 2022
• The MIG schemes (MIG I and MIG II) have been discontinued w.e.f. March 31, 2021

General PMAY Information