Pradhan Mantri Awas Yojana 2024 Objectives, Benefits and Eligibility

Pradhan Mantri Awas Yojana 2024

The Pradhan Mantri Awas Yojana (PMAY) was introduced by the government to solve India’s housing shortage in cities and villages. Started on June 1, 2015, the program works by identifying eligible people through surveys and providing homes based on specific criteria. By focusing on urban and rural areas, PMAY (Pradhan Mantri Awas Yojana) supports the government’s goal of ensuring housing for everyone.

Overview table of Pradhan Mantri Awas Yojana

Aspects	PMAY-Gramin	PMAY-Urban
Objective	Provide affordable rural housing	Eliminate urban housing shortage
Initiation Date	April 1, 2016	June 25, 2015
End Date	March 2024	December 31, 2024
Houses Completed (as of April 30, 2024)	2,60,51,065	82.51 lakh
Sanctioned Houses	Over 2.94 crore	Over 118.64 lakh
Government Allocation (as of April 29, 2024)	₹36.74 lakh crore	₹1,99,653 crore
Utilized Funds (as of April 29, 2024)	₹33,41 lakh crore	₹1,63,926 crore
Key Benefits	– Slum redevelopment – Subsidy based on income – Public-private partnership – Subsidy for EWS individuals building or improving houses	– Financial assistance – Lower interest rates on loans – Basic amenities – Government subsidies – Direct payments to Aadhaar-linked accounts
Required Documents	Aadhaar, job card, bank details, SBM number, affidavit of no pucca house ownership	Aadhaar, income proof, identity/residential proof, nationality proof, minority community proof (if applicable), EWS/LIG/MIG certificate, salary slips, bank details, affidavit of no pucca house ownership, affidavit of home construction under the scheme

प्रधानमंत्री आवास योजना 2024

प्रधानमंत्री आवास योजना 2024 का लक्ष्य है भारतीय नागरिकों को स्वावलंबी और उच्च गुणवत्ता वाले आवासों की पहुंच प्रदान करना। इस योजना के अंतर्गत, सरकार घरों की विभिन्न आवश्यकताओं को ध्यान में रखते हुए नगरीय और ग्रामीण क्षेत्रों में आवास के लिए विकास कार्यों को संचालित करती है।

Pradhan Mantri Awas Yojana Objectives

• To provide affordable housing to rural and urban poor households.
• Improve the affordability of land and property for economically disadvantaged groups
• Promote affordable housing for weaker sections.
• Provide interest subsidies on housing loans.
• Give preference to female applicants.
• Allocate ground floors to senior citizens and differently-abled individuals.
• Provide basic amenities to all houseless families.

Pradhan Mantri Awas Yojana categories

There are two categories under the Pradhan Mantri Awas Yojana:

PMAY-Gramin also known as the Pradhan Mantri Awas Yojana-Rural or PMAY-Rural

PMAY- Urban also known as the Pradhan Mantri Awas Yojana-Shahri or PMAY-Shahri

PMAY-Gramin or PMAY-Rural

To tackle rural housing shortage, the government revamped IAY into PMAY-G from April 1, 2016. PMAY-G replaces kuccha homes with solid ones. The scheme was extended till March 2024 in December 2021.

By April 30, 2024, 2,60,51,065 houses were completed under PMAY-G. Against the target of 2.95 crore, over 2.94 crore houses were sanctioned. The government allocated about ₹36.74 lakh crore for construction as on April 29, 2024, with states utilizing ₹33,41 lakh crore.

Benefits of PMAY-Gramin

• Slum redevelopment with private developers using land.
• Affordable housing through subsidy scheme based on income:
  • EWS: Up to Rs. 3,00,000/year; house size up to 30 sq.m.
  • LIG: Rs. 3,00,001 to Rs. 6,00,000/year; house size up to 60 sq.m.
  • MIG I: Rs. 6,00,001 to Rs. 12,00,000/year; house size up to 160 sq.m.
  • MIG II: Rs. 12,00,001 to Rs. 18,00,000/year; house size up to 200 sq.m.
• Public-private partnership for affordable housing, with central aid for EWS houses in certain projects.
• Subsidy for EWS individuals building or improving their own houses.

PMAY-Gramin Eligibility Criteria

• Eligible beneficiaries include households without shelter, destitute individuals, manual scavengers, tribal groups, and released bonded laborers.
• Prioritization is determined by housing needs, focusing on houselessness, room count, and marginalized groups like SC/ST and Minorities.
• Automatic inclusion criteria involve factors such as age, literacy, disability, and income.

Target Allocation:

• 60% of targets earmarked for SC/ST households, with flexibility for interchangeability based on availability.
• 15% of funds reserved for Minorities at the national level, allocated based on population data.
• 3% beneficiaries targeted for Persons with Disabilities (PwDs) at the state level.

Tie Breaker and Exclusions:

• Priority given to households with widows, defense personnel kin, individuals with severe illnesses, and single girl children.
• Exclusion criteria include ownership of certain assets, income level, and agricultural land holdings exceeding specified limits.

PM Awas Yojana-Gramin Apply Online

1. Go to the official PMAY-G website and log in.
2. Fill in personal details like gender, mobile number, and Aadhaar number.
3. Upload the Aadhaar consent form.
4. Search for the beneficiary name and select “Register.”
5. Complete beneficiary details like ownership type and relation.
6. Upload the Aadhaar consent form again.
7. Add beneficiary bank account details.
8. Specify if the beneficiary wants a loan and enter the amount.
9. Enter the MGNREGA job card number and SBM number.
10. The last section will be filled by the relevant office.

PM Awas Yojana-Gramin Documents Required

• Aadhaar number and a self-attested copy of the Aadhaar Card (In case of illiteracy, a consent letter with the applicant’s thumbprint is needed).
• Job Card registered with MGNREGA.
• Original and duplicate copies of bank account details.
• Swachh Bharat Mission (SBM) number.
• Affidavit confirming the absence of pucca house ownership by the beneficiaries or their family members.

PMAY-Shahri or PMAY-Urban

Introduced on June 25, 2015, the PMAY Urban initiative targets to eliminate urban housing shortages by constructing 20 million homes. Originally ending on March 31, 2022, the urban program has been extended until December 31, 2024.

By April 29, 2024, 82.51 lakh houses were completed under PMAY-G. Against the target of 112.24 lakh, over 118.64 lakh houses were sanctioned. The government allocated about ₹1,99,653 crore for construction as on April 29, 2024, with states utilizing ₹1,63,926 crore.

Benefits of PMAY-Urban

• Get ₹1,20,000/unit in plain areas or ₹1,30,000/unit in hilly, tough, or IAP regions.
• Avail a loan of up to ₹70,000 at 3% lower interest rate for a permanent house.
• Houses must be at least 25 sq m, with a separate cooking area.
• Get ₹12,000 for toilets through Swachh Bharat Mission-Gramin.
• Earn ₹90.95/day for 95 days through MGNREGA.
• Receive one LPG connection per house via Pradhan Mantri Ujjwala Yojana.
• Access services like piped water, electricity, and waste treatment.
• Payments go directly to Aadhaar-linked bank or post office accounts.

PMAY-Urban Eligibility Criteria

1. Determine eligibility based on income:
   • Economically Weaker Section (EWS): ≤ ₹3,00,000/year
   • Low Income Group (LIG): ₹3,00,001 – ₹6,00,000/year
   • Middle Income Group-1 (MIG-1): ₹6,00,001 – ₹12,00,000/year
   • Middle Income Group-2 (MIG-2): ₹12,00,001 – ₹18,00,000/year
2. No ownership of a permanent house nationwide by the applicant or their family.
3. Family consists of husband, wife, and unmarried children.
4. Residence in a town/city covered under the scheme.
5. No previous benefits from Indian Government housing schemes.

PM Awas Yojana-Urban Apply Online

Online:

1. Go to the Official PMAY-Urban Website.
2. Choose “Citizen Assessment” and select either “For Slum Dwellers” or “Benefits under other components”.
3. Provide your Aadhaar Card details, leading you to the online application form. Fill in all required fields, upload necessary documents, including personal information, bank details, and income particulars.
4. After completing the form, click ‘Save’ at the bottom and enter the Captcha code. You can then print the application for your records.

Offline:

1. Visit the designated PMAY-Urban office.
2. Request the necessary application form and fill it out with accurate details.
3. Attach all required documents.
4. Submit the completed form to the office staff for processing.

PM Awas Yojana-Urban Documents Required

1. Aadhaar Number (or Aadhaar/ Aadhaar Enrolment ID)
2. Self-Certificate or Affidavit as Proof of Income
3. Identity and Residential Proof (PAN card, Voter ID, Driving License)
4. Proof of Minority Community (if applicable)
5. Proof of Nationality
6. EWS Certificate / LIG Certificate / MIG Certificate (if applicable)
7. Salary Slips
8. Income Tax Return Statements
9. Property Valuation Certificate
10. Bank Details and Account Statement
11. Affidavit or Proof of not owning a ‘pucca’ house
12. Affidavit or Proof of constructing a home under the scheme

Conclusion

The Pradhan Mantri Awas Yojana (PMAY) aims to provide affordable housing to both rural and urban areas in India. Launched in 2015, it identifies eligible beneficiaries through surveys and offers homes based on specific criteria. By focusing on both urban and rural areas, PMAY supports the government’s goal of ensuring housing for all citizens.

Through its various components, PMAY addresses different aspects of housing needs, including slum redevelopment, subsidy schemes based on income levels, public-private partnerships, and basic amenities provision.

The program has made significant progress in both urban and rural sectors, with millions of houses completed and sanctioned. Overall, PMAY plays a crucial role in addressing India’s housing shortage and improving living conditions for its citizens.

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