Pradhan Mantri Awas Yojana (PMAY) – Housing For All (HFA) is a government scheme that aims to provide about 2 crore affordable housing to people belonging to urban and rural poor by 31 March 2022. Launched in 2015 by PM Narendra Modi, the scheme offers various benefits including an upfront interest subsidy of up to Rs. 2.67 lakh on housing loans.
Note: The Union Cabinet has extended the implementation period of Pradhan Mantri Awas Yojana – Urban (PMAY – U) till December 31, 2024 with all verticals except Credit Linked Subsidy Scheme (CLSS). CLSS vertical for MIG I & II under PMAY U was up to March 31, 2021 and for LIG/EWS was up to March 31, 2022. During the extension period no additional houses will be sanctioned. However, financial assistance is to be provided for the completion of 122.69 lakh houses, which were already sanctioned till March 31, 2022, under BLC, AHP & ISSR verticals of PMAY U.
How to Apply for Pradhan Mantri Awas Yojana (PMAY) Scheme
Steps to Apply for PMAY Scheme Online
Step 1: Visit the Official Website of PMAY
Visit the official website of PMAY (http://pmaymis.gov.in).
Step 2: Select the Citizen Assessment Link
Select the “Benefits under other 3 components” option from the “Citizen Assessment” drop-down menu.
Step 3: Enter Aadhaar Number
You will be redirected to the ‘Check Aadhaar/VID No. Existence’ page where you have to enter your ‘Aadhaar’ or ‘Virtual ID’ and ‘Name as per Aadhaar’.
Step 4: Fill Required Details
You will be redirected to the application page. Here you have to fill all the details such as the name of the beneficiary, contact details, all personal details, income details, bank account and all the other required information.
Step 5: Save the PMAY Application Form
Once you have filled all the details in the form, you have to click on the disclaimer checkbox, enter the Captcha and click on the ‘Save’ button.
Note: Even after saving the PMAY application form, applicants can make changes to it. Click to follow the steps to edit PMAY online application form.
Step 6: Print the PMAY Application Form
Once you have successfully saved the PMAY application form, you can take the print out of it. Click to follow the steps to print the PMAY application form online.
Step 7: Submit the PMAY Application Form
Submit the print out of PMAY application form and all supporting documents at the nearest Common Service Centres (CSC) or financial institutions/banks.
Procedure to Apply for PMAY Scheme Offline
Customers who wish to apply for Pradhan Mantri Awas Yojana offline can do so by filling the form available at the Common Service Centre (CSC) established by the State Governments. The form can be bought at a nominal cost of Rs. 25 + applicable GST.
Home loan borrowers who are eligible for PMAY CLSS subsidy but have not availed it when taking a home loan can submit their request to their bank or lending institution. The lender will review your request for PMAY scheme and will submit the claim to National Housing Bank (NHB). NHB, after performing data validation and other checks, will disburse the subsidy amount to the respective lender who will credit the amount to the home loan account of the borrower and adjust in the loan accordingly.
Click to Check the Banks/HFCs List that Offer Home Loans under PMAY Scheme
Important Points to Keep in Mind When Applying for PMAY Scheme
Before applying for Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme (PMAY-CLSS), individuals must keep these points in mind:
- Applicants must check if they are eligible for PMAY scheme before applying for it. Click to Check the Pradhan Mantri Awas Yojana Eligibility Criteria
- They must ensure that they fill the PMAY application form available either at the Ministry’s official website or at the registered Common Service Centres (CSC). Mediums other than these two do not have the authority for registration of beneficiaries.
- Applicants must be ready with the required documents before filling out the application form.
- They must fill all details accurately as false data on the application form can lead to rejection.
- Keep all documents required to apply for PMAY scheme prepared
- To apply for PMAY online, it is compulsory for applicants to have their Aadhaar Card. Applicants can apply for Aadhaar at their nearest Common Service Centre (CSC). Click to find your nearest CSC.
Read Also: Pradhan Mantri Awas Yojana (PMAY) List
How to Track Your PMAY Assessment Status Online
Step 1: Visit the PM Awas Yojana official website.
Step 2: Select the ‘Track Your Assessment Status’ option from the ‘Citizen Assessment’ drop-down menu.
Step 3: You will be redirected to Track Assessment Form. Track your PMAY assessment status by using your Name, Father’s Name & Mobile No. or Assessment ID.
Step 4: Provide the respective details and click on the ‘Submit’ button. The result will appear.
Read Also: How to Check the PMAY Status
FAQs
Who can avail PMAY CLSS scheme?
Anyone who falls under the following income groups can avail interest subsidy under the PMAY-CLSS scheme:
| Income Groups | Household Income (per annum) |
| Economically Weaker Section (EWS) | Rs. 0 – 3 lakh |
| Low Income Group (LIG) | Above Rs. 3 lakh and Up to Rs. 6 lakh |
| Middle-Income Group 1 (MIG-I) | Above 6 lakh and Up to Rs. 12 lakh |
| Middle-Income Group 2 (MIG-II) | Above Rs. 12 lakh and Up to Rs. 18 lakh |
Can I apply for PMAY scheme twice?
No, your bank accounts are linked to your Aadhaar Number, therefore, you cannot avail the benefit under the PMAY scheme twice.
Check: How to Avail Home Loan Subsidy Under Pradhan Mantri Awas Yojana?