Pradhan Mantri Awas Yojana – Urban (PMAY-U) is an initiative for a flag wave to address the shortage of urban housing in India. Its target segments are classified as Economically Weaker Section, Low Income Group, and Middle Income Group families, dwelling units in slums, and other such entities, so that by 2022, all eligible urban households have access to a pucca house.
The mission has sub-components like CLSS, rehabilitation of slum, and affordable development of housing. Under PMAY, the main objectives are reducing the cost, promoting sustainable alternatives for housing solution, and disbursing subsidy on interest against eligible beneficiaries.
Benefits of the Scheme
- Slum Rehabilitation:
- Eligible slum dwellers receive rehabilitation assistance with private developer participation using land as a resource.
- Credit Linked Subsidy Scheme (CLSS):
- EWS (Economically Weaker Section): Annual income up to ₹3,00,000; house size up to 30 sq.m.
- LIG (Low Income Group): Annual income from ₹3,00,001 to ₹6,00,000; house size up to 60 sq.m.
- MIG-1 (Middle Income Group): Annual income from ₹6,00,001 to ₹12,00,000; house size up to 160 sq.m.
- MIG-2 (Middle Income Group): Annual income from ₹12,00,001 to ₹18,00,000; house size up to 200 sq.m.
- Affordable Housing in Partnership:
- Central assistance per EWS house in projects where 35% of houses are for EWS.
- Subsidy for Beneficiary-Led Construction/Enhancement:
- For individuals of EWS category requiring individual house construction.
Eligibility Criteria
To be eligible for PMAY-U, applicants must meet the following criteria:
- Income Criteria:
- EWS: Annual income of Economically Weaker Section should be up to ₹3,00,000.
- LIG: Annual income of Low Income Group is between ₹3,00,001 and ₹6,00,000.
- MIG-1: Annual income of Middle Income Groupbetween ₹6,00,001 and ₹12,00,000.
- MIG-2 (Middle Income Group): Annual income between ₹12,00,001 and ₹18,00,000.
- Non-Ownership of Pucca House:
The applicant or their family members should not own a pucca house anywhere in the country. - Family Structure:
The family must comprise the husband, wife, and unmarried children. - Urban Area Criteria:
The applicant’s town/city must be covered under the PMAY-U scheme. - Previous Housing Scheme Benefits:
The applicant must not have previously availed benefits of any housing-related government schemes.
Application Process (Online & Offline)
Online Process:
- Visit the Official Website: Go to the PMAY-U official website.
- Select ‘Citizen Assessment’: Choose the appropriate category: “For Slum Dwellers” or “Benefits under other three components.”
- Enter Aadhaar Details: Input your Aadhaar card details to proceed to the application form.
- Complete the Form: Fill in all mandatory details, including personal, contact, bank, and income information.
- Save and Submit: After filling out the form, click on ‘Save’, complete the captcha, and submit the application. You can also take a printout for future reference.
Offline Process:
- Visit the designated office or municipal authority.
- Submit the completed application form along with necessary documents.
Documents Required
- Aadhaar Number (or Aadhaar Enrolment ID)
- Self-Certificate/Affidavit as Proof of Income
- Identity and Residential Proof (PAN, Voter ID, Driving License)
- Proof of Minority Community (if applicable)
- Proof of Nationality
- Income Certificate (EWS/LIG/MIG)
- Salary Slips/IT Return Statements
- Property Valuation Certificate
- Bank Details/Account Statement
- Affidavit that the applicant does not own a pucca house
Frequently Asked Questions (FAQs)
1. Is the entire mission implemented as a Centrally Sponsored Scheme (CSS)?
Yes, the mission is implemented as a Centrally Sponsored Scheme (CSS), where both the Central and State Governments share the funding in a pre-defined ratio.
2. What are the construction standards for houses under this scheme?
Houses constructed under the scheme must adhere to the minimum quality and design standards outlined by the government. These include:
- Use of durable materials
- Proper ventilation
- Access to water and sanitation facilities
- Compliance with local building codes
3. Can beneficiaries apply for other government schemes if they apply for PMAY-U?
Yes, beneficiaries under PMAY-U (Pradhan Mantri Awas Yojana – Urban) can apply for other government schemes unless explicitly restricted by the guidelines of the specific program.
4. How can I check if my town is covered under PMAY-U?
To check if your town is covered under PMAY-U, you can:
- Visit the official PMAY-U website.
- Navigate to the “Urban Coverage” section or use the “Find My Town” tool.
- Enter your town’s name or district to verify inclusion.
5. What if I am on the permanent waitlist for PMAY-G?
If you are on the permanent waitlist for PMAY-G (Gramin):
- Your application will be considered when resources are available.
- You can track your status through the official PMAY-G portal or contact the Gram Panchayat office for updates.
6. Can a private entity collect a fee from me under PMAY-U?
No, private entities are not authorized to collect fees under PMAY-U. Any processing or application charges must be directly managed through government channels or their approved agencies. Report any unauthorized fee collection immediately to the authorities.
7. How do I know if a field in the application form is mandatory?
Mandatory fields in the application form are usually marked with an asterisk (*) or specified clearly in the guidelines. Ensure all mandatory fields are filled accurately to avoid rejection.
8. How do I check my application status?
You can check your application status by:
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- Visiting the official PMAY portal (Urban or Gramin).
- Entering your application ID or registered mobile number in the “Track Application Status” section.
- Alternatively, you can contact your nearest municipal or Gram Panchayat office for assistance.
Sources and References
- PMAY-U Scheme Guidelines
- Official Website: Pradhan Mantri Awas Yojana – Urban