Pradhan Mantri Awas Yojana
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This scheme has been launched on 25th June 2015 by the hon'ble Prime Minister Sri Narendra Modi. It aims to construct about 2 crore houses in the country from 2015 to 2022. People who will be benefited through this scheme include: homeless citizens, poor urban people and citizens belonging to EWS and LIG categories.
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Pradhan Mantri Awas Yojana - Housing For All (Urban)
The Mission will be implemented during 2015-2022 and will provide central assistance to Urban Local Bodies (ULBs) and other implementing agencies through States/UTs for:
1. In-situ Rehabilitation of existing slum dwellers using land as a resource through private participation
2. Credit Linked Subsidy
3. Affordable Housing in Partnership
4. Subsidy for Beneficiary-led individual house construction/enhancement.
Credit linked subsidy component will be implemented as a Central Sector Scheme while other three components will be implemented as Centrally Sponsored Scheme (CSS).The scheme will cover More info.. Login here http://pmaymis.gov.in/
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Frequently Asked Questions
1) Which component to select?
a. If citizen is from slum: ISSR (Insitu slum rehabilitation component)
b. If Citizen is from non slum:
i. Has land of his own and interested in construction: Beneficiary led construction BLC (new construction) incase existing structure is kutcha or semi pucca, BLC(enhancement) incase existing structure is pucca and enhancement of minimum 9 sqm and max area after enhancement should not be more than 30 sqm
ii. Can afford to construct/purchase/enhance house using housing loan: Select CLSS Credit Linked Subsidy Scheme. Citizen will get subsidy on home loan.
iii. Donot have any land to construct or cannot afford home loan Select Affordable Housing in Partnership AHP Component
2) Is there any income criteria? a. Household income
i. 0-25000 per month: Any component can be selected
ii. 25001-50000 per month: Only CLSS EWS/LIG component can be selected
iii. 50001 - 1,00,000 per month: CLSS MIG-I
iv. 1,00,001 - 1,50,000 per month: CLSS MIG-II
3) What benefits I will get in scheme?
a. ISSR: GoI grant Rs. 1 lakh per house and State & ULB share will be at the discretion of State at the time of formulation of project
b. AHP & BLC: Central assistance of Rs.1.5 lakh per dwelling unit and State & ULB share will be at the discretion of State at the time of formulation of project
c. CLSS: Upfront subsidy @ 6.5% for EWS and LIG for loans upto Rs. 6 lakh. Interest subsidy @4% on home loans upto Rs. 9 lakh for MIG-1 and interest subsidy @3% on home loans upto Rs. 12 lakh for MIG-II. Subsidy calculator at http://nhb.org.in/government-scheme/pradhanmantri-awas-yojana-credit-linked-subsidy-scheme/ . Bank should have MoU with NHB or HUDCO. Check for MoU at http://www.mhupa.gov.in/User_Panel/UserView.aspx?TypeID=1499. CLSS helpline numbers are: Helpline Numbers for CLSS: NHB: 1800-11-3377, 1800-11-3388, HUDCO:1800-11-6163
4) Do I have to pay anything?
a. Pay for application at CSC Rs 25/-+service tax
b. On website form is available at "http://www.pmaymis.gov.in" - Donot have to pay anything. Please note form cannot be filled for income group greater than 50000 per month. However, potential beneficiaries opting for Credit Linked Subsidy Scheme are requested to approach a bank/HFC of their choice and location as per the list provided at http://www.mhupa.gov.in/User_Panel/UserView.aspx?TypeID=1499
c. Beneficiary share will be told by ULB/Municipality incase you are given a benefit under the scheme. Currently this is only application for interested applicants
5) I donot have Aadhaar Card, Can I apply?
a. Aadhaar Number is mandatory for Citizen to apply online. Please get Aadhaar number from nearest CSC. CSC locator available at http://www.apnacsconline.in/csc-locator/
6) Whom should I contact for further information?
a. Contact your municipality in a division who is in-charge of PMAY(U).
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