Pradhan Mantri Awas Yojana 2023 (PMAY) is a government scheme aimed at providing affordable housing to the economically weaker sections whose annual income is low and their economic condition is not strong. Launched in 25th jun 2015, the PMAY scheme has already benefited millions of people across the country. In this article, we will discuss the PMAY list for the year 2023-24, eligibility criteria, application process, and benefits of the scheme.
Pradhan Mantri Awas Yojana 2023
The Pradhan Mantri Awas Yojana (PMAY) is a government scheme launched in 25 th jun 2015. PMAY scheme is also implemented in rural areas of India. The objective of the PMAY scheme in rural areas is to provide affordable housing to the rural population of India.
Who is Eligible for the PMAY Scheme?
PMAY scheme is for the people of Economically Weaker Sections (EWS), Low-Income Groups (LIG) and Middle-Income Groups (MIG) in both rural and urban areas of India because its objective is that no poor stay at home.
- Economically Weaker Sections (EWS): Households with an annual income of up to Rs. 3 lakhs.
- Low-Income Groups (LIG): Households with an annual income between Rs. 3 lakhs and Rs. 6 lakhs.
- Middle-Income Groups (MIG): Households with an annual income between Rs. 4 lakhs and Rs. 12 lakhs.
Benefits of the PMAY Scheme
The PMAY scheme provides several benefits to the beneficiaries. Some of the key benefits of the PMAY scheme are as follows:
Credit Linked Subsidy Scheme (CLSS)
The PMAY scheme provides a Credit Linked Subsidy Scheme (CLSS) to the beneficiaries. Under the CLSS, the government provides a subsidy on the home loan taken for the purpose of building or purchasing a house. The subsidy on the home loan ranges from 20% to 35% depending on the category of the beneficiary.
Affordable Housing Units
Under the PMAY scheme, the government is also involved in the construction of affordable housing units for the beneficiaries.
PMAY Scheme in Rural Areas
The PMAY scheme is also implemented in rural areas of India. The aim of the PMAY scheme in rural areas is to provide affordable housing to the rural population of India. The key features of the PMAY scheme in rural areas are as follows:
Assistance for Construction of Houses
Under the PMAY scheme in rural areas, the government provides financial assistance to the beneficiaries for the construction of houses. The financial assistance provided by the government ranges from Rs. 1.20 lakhs to Rs. 2.30 lakhs depending on the category of the beneficiary.
Assistance for Upgradation of Houses
Under the PMAY scheme in rural areas, the government also provides financial assistance to the beneficiaries for the upgradation of their existing houses. The financial assistance provided by the government ranges from Rs. 15,000 to Rs. 45,000 depending on the category of the beneficiary.
Pradhan Mantri Awas Yojana application process
- Aadhaar Card
- Utility Bills
- Income certificate
- passport-sized photographs
- Passbook
There are two categorie PMAY-Urban and PMAY-Gramin. Here’s a general overview of the application process for each category.
PMAY Application Process-Urban
- Visit the official website of PMAY-Urban pmay-urban.gov.in
- Click on the “Citizen Assessment” option.
- Enter your Aadhaar number to start the application process.
- Fill in the required details such as personal information, income details, residential address, etc.
- Upload the necessary documents such as Aadhaar card, income certificate, etc.
- Submit the application.
PMAY Application Process-Gramin
- Visit the official website of PMAY-Gramin pmayg.nic.in
- Click on the “Stakeholders” option and select “IAY/PMAYG Beneficiary”.
- Enter your registration number or BPL number to start the application process.
- Fill in the required details such as personal information, income details, residential address, etc.
- Upload the necessary documents such as Aadhaar card, income certificate, etc.
- Submit the application.
| Hompage link | Click here |
| Telegram Link | Click here |
2 thoughts on “Pradhan Mantri Awas Yojana 2023-24 Eligibility, Application Process, and Benefits”