Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana (PMAY)

The Union Cabinet has extended the implementation period of Pradhan Mantri Awas Yojana Urban (PMAY-U) with all verticals except Credit Linked Subsidy Scheme (CLSS) till December 31, 2024. The CLSS vertical for MIG I and II under PMAY U was till March 31, 2021 and for LIG/EWS till March 31, 2022. No additional houses will be sanctioned during the extension period. However, financial assistance is to be provided for completion of 122.69 lakh houses already sanctioned under BLC, AHP and ISSR verticals of PMAY U till March 31, 2022.

Pradhan Mantri Awas Yojana Types

Pradhan Mantri Awas Yojana has two sub-sections, one for rural and the other for urban population of India, which are given below:

1. Pradhan Mantri Awas Yojana Gramin (PMAY-G)
2. Pradhan Mantri Awas Yojana Urban (PMAY-U)

Pradhan Mantri Awas Yojana Gramin (PMAY-G)

This is intended to meet the housing needs of the rural poor. PMAY-G, formerly known as Indira Awas Yojana, aims to provide financial assistance and/or a pucca house, as well as all basic amenities such as electricity and sanitation, to families without a home or living in kutcha and dilapidated houses in rural India, with the exception of Delhi and Chandigarh.

PMAY Gramin Features and Benefits

Below-mentioned are the features and benefits of Pradhan Mantri Awas Gramin Yojana:

• The scheme aims to provide financial assistance for construction of 2.95 crore houses in rural areas over the period 2016-17 to 2023-24.
• The size of the house constructed under this scheme will be at least 25 square meters and will include all basic amenities like clean cooking space and electricity supply.
• The scheme also includes Rs 12,000 in assistance in collaboration with other government schemes such as Swachh Bharat Mission-Gramin (SBM-G), MGNREGS, or other dedicated funding sources to ensure the availability of basic amenities such as toilets, electricity, water, clean and efficient cooking fuel, and the treatment of social and liquid waste, among others.
• The beneficiaries of this scheme are entitled to 90/95 person days of unskilled labour from MGNREGA (Mahatma Gandhi National Rural Employment Guarantee Scheme).
• The cost of house construction will be shared by the Central and State Governments in the ratio of 60:40 for houses in plain areas and 90:10 for houses in North Eastern States, two Hill States (Himachal Pradesh and Uttarakhand), and the Union Territory of Jammu and Kashmir. For other Union Territories, the Central Government will bear the entire cost.
• The financial assistance for each housing unit is Rs 1.20 lakh in plain areas and Rs 1.30 lakh in hilly states (Himachal Pradesh and Uttarakhand), Union Territories of Ladakh and Jammu and Kashmir, northeastern states and districts identified under the Integrated Action Plan.
• Beneficiaries can avail loan amount up to Rs 70,000 from financial institutions.
• Beneficiaries will be selected based on the Permanent Will List (PWL) prepared using housing deprivation parameters in the Socio Economic and Caste Census (SECC), 2011 data, which will be verified by the Gram Sabhas, and the Aawas + survey conducted between January 2018 and March 2019..
• The Ministry of Rural Development will approve special projects after approval of the empowered committee.
• Beneficiaries will also be given technical assistance in the construction of the house.
• All payments to the beneficiary will be transferred electronically to their bank or post office accounts linked to Aadhaar with consent.
• Adopting saturation approach – Gram Panchayat, Block or District as a unit.
• Making beneficiaries aware about PMAY-G.
• The scheme provides appropriate technology and multiple options for house design with disaster resilient features as per local conditions.
• The project will be implemented and monitored through an end-to-end e-governance model – AwaasSoft and Aawas App.

Pradhan Mantri Gramin Awas Yojana Eligibility Criteria

There is no specific list of eligibility criteria in PMAY-G. The implementing agencies select eligible families based on the priority waiting list, which is prepared on the basis of household deprivation as per 2011 Socio Economic and Caste Census (SECC) data, Aawas+ list, etc. The brief process for selection of eligible families to receive PMAY-G benefits is listed below:

• To ensure that the assistance reaches the eligible families and the selection of beneficiaries is objective and verifiable, beneficiaries for the scheme will be selected on the basis of housing deprivation parameters published in the Socio-Economic and Caste Census (SECC data), which will be subsequently verified by the Gram Sabhas.
• Based on SECC data, homeless families or families living in houses with 0, 1 and 2 kutcha wall and kutcha roof are segregated to create a permanent waiting list. The purpose of this waiting list is to provide a ready list of families to be covered under the PMAY-G scheme and thus ensure better planning and implementation.
• An appellate process has also been provided to resolve grievances in the selection of beneficiaries.
• Additional beneficiaries can be selected from the Aawas + list, which was prepared from the Aawas+ survey conducted from January 2018 to March 2019.

Once the list of eligible families is prepared, a multi-level prioritisation process is used based on the category of family (SC/ST and others), homelessness, number of rooms, etc. Within the priority groups, families fulfilling the criteria for mandatory inclusion as per SECC are given the highest priority.

Pradhan Mantri Awas Yojana Urban (PMAY-U)

Pradhan Mantri Awas Yojana Urban aims to meet the housing needs of the urban poor. There are about 4,331 towns and cities under this scheme. The scheme will proceed in 3 phases:

• Phase 1: PMAY phase 1 covers 100 cities in select States/UTs between April 2015 and March 2017
• Phase 2: PMAY phase 2 covers 200 additional cities between April 2017 and March 2019
• Phase 3: PMAY phase 2 covers the remaining cities between April 2019 and March 2022

The Ministry of Housing and Urban Poverty Alleviation will have the flexibility to include additional cities in the first phase if there is resource-supported demand from the States and Union Territories.

Features & Benefits of PMAY Urban

• Grant of Rs.1 lakh per house for slum rehabilitation by Government of India
• Central assistance of Rs.1.5 lakh per housing unit for affordable housing in partnership and individual house construction/upgradation led by beneficiary
• Interest subsidy up to 6.5% on house loans
• Interest subsidy for PMAY home loans is applicable for a maximum loan term of 20 years or the loan term taken by the borrower, whichever is lower
• Encourages women to become homeowners or co-applicants.
• Compulsory ground floor housing for senior citizens and Divyangs
• Compulsory use of sustainable and eco-friendly materials for house construction
• Quality of house/flat will be as per National Building Code (NBC) and National Disaster Management Authority (NDMA) guidelines
• Approval on building design is mandatory before construction
• No limit on home loan amount or cost of property

PMAY Urban Beneficiary

• The beneficiary family comprises husband, wife, unmarried sons and/or daughters.
• Any adult earning member of the family, irrespective of his/her marital status, can be considered as a separate family provided he/she does not have a pucca house in India in his/her name.
• The adult earning member of a family having a pucca house with built-up area less than 21 sq m can be included for extension of existing dwelling units up to 30 sq m. If extension is not possible due to land availability/lack of space or any other reason, he/she can get a house elsewhere under PMAY (U).
• Families with annual income up to Rs 3 lakh – Economically Weaker Section (EWS)
• Families with annual income between Rs 3 lakh and Rs 6 lakh – Low Income Group (LIG)
• Families with annual income between Rs 6 lakh and Rs 12 lakh – Middle Income Group I
• Families with annual income between Rs 12 lakh and Rs 15 lakh and Rs 18 lakh – Middle Income Group II
• Women falling under EWS and LIG income groups
• Scheduled Castes (SC), Scheduled Tribes (ST), and Other Backward Classes (OBC)

Eligibility for Pradhan Mantri Awas Yojana Urban Scheme

• None of the members of the beneficiary family should own a pucca house in India
• The beneficiary family should not have availed any housing scheme from the Government of India/State Government
• The beneficiary family should not have availed PMAY subsidy from any Primary Lending Institution (PLI)
• Home loan borrowers who had availed PMAY subsidy but moved to another lender under home loan balance transfer during the loan tenure cannot claim the benefit again
• For married couples, single ownership either individually or in joint ownership will be eligible for subsidy
• Beneficiary families under MIG income group will have to submit their Aadhaar number to avail the benefit
• EWS category beneficiaries will get full assistance under the scheme, while those falling under LIG and MIG income groups will only be eligible for Credit Linked Subsidy Scheme (CLSS) under PMAY 2019-2020
• The property on which the loan is made To avail CLSS subsidy, the property must have basic amenities such as water, sanitation, sewerage, roads, electricity, etc. The property should be located in statutory towns as per Census 2011 and subsequently notified cities, including notified planning/development areas.

How to Apply for PM Awas Yojana?

Below-mentioned is the step by step process for new applicants:

• To apply online for PMAY, visit “http://pmaymis.gov.in/” – the official website of PM Awas Yojana
• Select the “Benefits under other 3 components” option under the “Citizen Assessment” menu
• Enter your 12-digit Aadhaar number and the name mentioned on your Aadhaar card
• On successful verification of your Aadhaar number, you will be redirected to the PMAY application page
• Enter the required details like your personal information, income details and bank account details
• Tick the “I am aware of…” checkbox
• Enter the captcha and click on the “Save” button
• When you click on the “Save” option, the system-generated application number will appear, which you can save for future reference
• Download and print the filled-in PMAY application form
• Submit the form at your nearest Common Service Centre (CSC) or financial institution/bank along with supporting documents

Application Process for Existing Home Loan Borrowers:

Home loan borrowers who are eligible for PMAY subsidy but have not been able to avail it while taking a home loan can submit their request. The bank will review your request and submit the claim to the National Housing Bank (NHB). After data verification and other checks, the NHB will disburse the amount to the lender who will credit it to the borrower’s respective home loan account and adjust it in the loan accordingly.

Steps to Download PMAY Application Form

You can download your PMAY application form online by following these steps:

• Visit the official PMAY website at pmaymis.gov.in.
• On the homepage, select on the “Print Assessment” option from the “Citizen Assessment” menu
• Access the application form by either by providing your: Name, Father’s Name & Mobile Number, or Assessment ID (For Citizen Data Only), or Enter details as per your selection and print the assessment form

How to Edit Your PMAY Application Details?

To edit the details of your PMAY application form, follow these steps:

• Visit the official website of Pradhan Mantri Awaas Yojana
• Enter the PMAY application reference number and your Aadhaar details
• Click on the “Edit” option and then you will be allowed edit your PMAY application form details

How to Check Your PMAY Application Status?

Applicants can check the current status of their application online at the official website of Pradhan Mantri Awaas Yojana – https://pmaymis.gov.in. Track the PMAY application status online either through your:

• Assessment ID, or
• Name, Father’s Name and Mobile Number

List of Banks/NBFCs/HFCs Linked to PMAY

Below-mentioned are the names of the Banks, NBFCs and HFCs that are linked to Pradhan Mantri Awas Yojana.

• SBI
• HDFC
• Bank of Baroda
• ICICI Bank Ltd.
• Axis Bank Ltd.
• Karnataka Bank Ltd.
• Karur Vysya Bank Ltd.
• LIC Housing Finance
• Federal Bank
• Kotak Mahindra Bank
• Yes Bank
• Fullerton
• IIFL

PMAY Toll Free Helpline Numbers

Central Nodal Agency (CNA)	E-mail ID	Toll Free Numbers
NHB	clssim@nhb.org.in	1800-11-3377, 1800-11-3388
HUDCO	hudconiwas@hudco.org	1800-11-6163

FAQs on Pradhan Mantri Awas Yojana

Are there any charges applicable at the time of PMAY application?

Yes, a nominal fee of Rs 25 + GST ​​has to be paid while submitting the form. Potential beneficiaries applying online for the scheme need not pay.

Can I apply for PMAY scheme without Aadhaar number?

Aadhaar number is mandatory to apply online. Individuals can apply for Aadhaar card from their nearest CSC. To locate your nearest CSC visit – http://www.apnacsconline.in/csc-locator/.

Who are the Central Nodal Agencies (CNAs) and what do they do?

HUDCO, NHB and SBI are the CNAs for channelizing the Credit Linked Subsidy Scheme to the primary lending institutions. They will also monitor the progress of the PMAY CLSS scheme. The ministry may add other financial institutions as CNAs in future.

Who are the Primary Lending Institutions which will provide the PMAY interest subsidy?

Any financial lending institution such as Scheduled Commercial Banks (SCBs), Housing Finance Companies (HFCs), Regional Rural Banks (RRBs), State Cooperative Banks, Urban Cooperative Banks (Scheduled and Non-Scheduled), Small Finance Banks (approved by Reserve Bank of India) and Non-Banking Financial Company-Micro Finance Institution (NBFC-MFI) (registered with Reserve Bank of India) who have signed MoU with any CNA.

How will I get PMAY CLSS interest subsidy?

CNAs disburse interest subsidy to PLIs based on the disbursements made by PLIs to beneficiaries. PLIs disburse interest subsidy to the home loan account of borrowers by deducting the subsidy amount from the principal loan amount. As a result, the borrower pays EMI on the remaining principal loan amount. This helps in reducing the total interest payable by the borrower.

Can CLSS beneficiary get home loan for 30 years?

Yes, PMAY CLSS beneficiaries can avail home loans for 30 years, provided they fulfil all other due diligence criteria of the respective lender. But PMAY interest subsidy will be restricted on home loans to the extent permitted for the respective income categories for a period of 20 years.

What happens when the subsidy is disbursed but due to some reason, the house construction is stalled?

If house construction is not completed within 36 months from the date of first disbursement, the subsidy will be recovered by the PLI and refunded to the CNA.

Is PMAY CLSS applicable for properties in the rural areas?

No, the PMAY CLSS is not applicable for properties in the rural areas.

How can I calculate my PMAY CLSS subsidy?

You can calculate your CLSS interest subsidy amount using the subsidy calculator available at CLSS Awas Portal (CLAP) – https://pmayuclap.gov.in/

Am I eligible for PMAY CLSS if I own a plot but do not own a house?

If you own a plot but do not have a house, then you are eligible for the interest subsidy under CLSS for home loan availed for construction on that plot.

Whom should I address my PMAY CLSS related grievance?

In case of grievance related to the PMAY CLSS scheme, approach the concerned PLI through the PLI’s grievance redressal system.