The Pradhan Mantri Awas Yojana – Urban (PMAY-U), launched by the Ministry of Housing & Urban Affairs (MoHUA), aims to address the urban housing shortage by providing affordable housing to economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). It is a centrally sponsored scheme under the mission “Housing for All by 2022”, targeting urban households.
Key Benefits
- Affordable Housing Solutions:
- Slum rehabilitation for eligible slum dwellers using private developer participation.
- Affordable housing via the Credit Linked Subsidy Scheme (CLSS) for EWS, LIG, and MIG categories.
- Central Assistance:
- Central assistance of up to ₹1.5 lakh for EWS houses in projects where 35% of the houses are allocated for EWS.
- Housing Size & Income Criteria:
- EWS: Annual income up to ₹3,00,000 (house size up to 30 sq.m.).
- LIG: Annual income between ₹3,00,001 and ₹6,00,000 (house size up to 60 sq.m.).
- MIG I: Annual income between ₹6,00,001 and ₹12,00,000 (house size up to 160 sq.m.).
- MIG II: Annual income between ₹12,00,001 and ₹18,00,000 (house size up to 200 sq.m.).
- Interest Subsidy:
- Subsidy on housing loans for property purchase, construction, or renovation, with reduced interest rates for eligible beneficiaries.
- Inclusive Coverage:
- Includes Statutory Towns, Notified Planning Areas, Development Authorities, Special Area Development Authorities, and Industrial Development Authorities.
Eligibility Criteria
- Income Groups:
- Economically Weaker Section (EWS), Low Income Group (LIG), Middle Income Groups (MIG I & II).
- Ownership Criteria:
- Applicant or family members should not own a pucca house in any part of the country.
- Family Definition:
- Family includes husband, wife, and unmarried children.
- Scheme Exclusivity:
- Families must not have availed benefits under any other housing-related schemes by the Government of India.
- Geographic Coverage:
- Residing in towns/cities covered under PMAY-U.
Application Process
Online Process
- Visit the Official Website:
- Go to the PMAY-U portal.
- Choose Citizen Assessment:
- Select either “For Slum Dwellers” or “Benefits under Other Components”.
- Enter Aadhaar Details:
- Input Aadhaar details to access the application form.
- Fill the Form:
- Provide personal, bank, and income details.
- Submit & Save:
- Submit the form and save the acknowledgment for future reference.
Offline Process
- Collect Application Form:
- Obtain the form from local urban bodies or Common Service Centers (CSCs).
- Complete the Form:
- Fill in the required details manually.
- Submit the Application:
- Submit the form to the designated urban body.
Documents Required
- Identity & Residence Proof:
- Aadhaar, PAN Card, Voter ID, Driving License.
- Income Proof:
- EWS/LIG/MIG certificates, salary slips, or IT returns.
- Property Proof:
- Property valuation certificate or proof of house construction.
- Bank Details:
- Bank account statements and details.
- Self-Declaration/Affidavit:
- Certifying non-ownership of a pucca house and home construction under the scheme.
Frequently Asked Questions (FAQs)
- What is the PMAY-U Mission?
- To provide affordable housing for all urban households by 2022.
- Who are the target beneficiaries?
- EWS, LIG, and MIG groups residing in urban areas.
- How is the interest subsidy calculated?
- Based on the principal loan amount and beneficiary’s income group.
- Can I apply if I already own a house?
- No, ownership of a pucca house disqualifies the applicant.
- Is Aadhaar mandatory for application?
- Yes, Aadhaar or Aadhaar Enrolment ID is required.
- Can private developers participate?
- Yes, private developers can participate in slum rehabilitation projects.
- Where can I check my application status?
- Visit the PMAY-U portal and use the application number to track status.
Contact Information
- Ministry of Housing & Urban Affairs (MoHUA)
Address: Nirman Bhawan, Maulana Azad Road, New Delhi – 110011
Phone: 011-23061492
Website: PMAY-U Official Website
Additional Resources
- Guidelines: PMAY-U Guidelines
- Application Status: Track status on the PMAY-U Portal.
- CSC Support: Common Service Centers provide application assistance.
This comprehensive guide outlines the Pradhan Mantri Awas Yojana – Urban (PMAY-U), making affordable housing accessible to urban households across India. Apply now to secure your dream home!