Launched as part of the Housing for All by 2022 initiative, Pradhan Mantri Awas Yojana – Urban (PMAY-U) aims to address the urban housing shortage by providing affordable and quality housing for Economically Weaker Sections (EWS), Low Income Group (LIG), and Middle Income Groups (MIG), including slum dwellers. The scheme ensures that every eligible urban household has access to a pucca house with necessary amenities by 2022.
The mission is aimed at ensuring affordable housing, improving sanitation, and promoting sustainable urban development. It is also a Credit Linked Subsidy Scheme (CLSS) that provides interest subsidies to eligible individuals availing of home loans for constructing or purchasing homes.
Benefits
- Slum Rehabilitation: Provides support for slum dwellers, often in collaboration with private developers, using land as a resource for building new housing.
- Affordable Housing:
- EWS (Annual income up to ₹3,00,000): Houses up to 30 sq.m.
- LIG (Annual income between ₹3,00,001 to ₹6,00,000): Houses up to 60 sq.m.
- MIG I (Annual income between ₹6,00,001 to ₹12,00,000): Houses up to 160 sq.m.
- MIG II (Annual income between ₹12,00,001 to ₹18,00,000): Houses up to 200 sq.m.
- Affordable Housing in Partnership: Central assistance for projects where at least 35% of houses are for EWS.
- Beneficiary-Led Individual House Construction/Enhancement: Financial support for EWS households that require individual houses.
Eligibility
- Income Categories:
- EWS (Economically Weaker Section): Annual household income up to ₹3,00,000.
- LIG (Low Income Group): Annual household income between ₹3,00,001 and ₹6,00,000.
- MIG-1: Annual household income between ₹6,00,001 and ₹12,00,000.
- MIG-2: Annual household income between ₹12,00,001 and ₹18,00,000.
- Other Criteria:
- The family must not own a pucca house in any part of India.
- The household should comprise of a husband, wife, and unmarried children.
- The town/city must be covered under the scheme (as per Census 2011).
- No previous benefits from any other housing scheme by the Government of India.
Application Process
- Online:
- Visit the Official Website: Go to the PMAY-U portal and select ‘Citizen Assessment’.
- Choose the applicable option: “For Slum Dwellers” or “Benefits under other components”.
- Enter Aadhaar Number: After Aadhaar authentication, the online form will be accessible.
- Complete the Application: Fill in personal details, income details, family details, and submit the required documents.
- Save & Submit: Once the form is completed, click ‘Save’ and submit the application. Print the Acknowledgement Slip for future reference.
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- Aadhaar Number (or Aadhaar Virtual ID).
- Self-Certificate/ Affidavit as proof of income.
- Identity and Residential Proof: PAN card, Voter ID, or Driving License.
- EWS Certificate (if applicable) or LIG/MIG Certificate.
- Salary Slips (if employed).
- IT Return Statements (if applicable).
- Property Valuation Certificate (if applicable).
- Bank Details (for subsidy disbursement).
Frequently Asked Questions (FAQs)
- Is the entire mission implemented as a Centrally Sponsored Scheme (CSS)?
Yes, PMAY is a Centrally Sponsored Scheme aimed at providing housing for urban households. - What are the technical specifications of houses built under this scheme?
The houses will meet construction standards as prescribed by the Ministry of Housing & Urban Affairs (MoHUA), ensuring quality and sustainability. - How will the prioritization of beneficiaries work?
Priority is given to slum dwellers, followed by EWS and LIG households, with specific focus on backward areas and marginalized groups. - Can I still apply for other government schemes if I apply for PMAY-U?
Yes, applying for PMAY-U will not affect your eligibility for other schemes, unless otherwise specified. - How do I know if my town is covered under the scheme?
Check the PMAY-U website or contact your local municipal authority to confirm whether your city or town is included in the mission. - Will central assistance be provided for rehabilitation in slums on private land?
No, central assistance will only be provided for slum rehabilitation on government land. - How do I track my application status?
You can track the status of your application through the PMAY-U portal using your application reference number.