PMAY is a practical program developed by the central government. It was felt that the poor needed affordable housing. The system targeted both rural and urban populations. The idea of the program was to provide two thousand cheap houses for the poor in urban and rural areas. The goal of the program was to improve the living conditions of the people who benefit from good fiscal support and safe living conditions. These people demanded timely assistance from the Indian government. The government felt compelled to take the necessary steps to make a positive difference in the lives of these people.
Pradhan Mantri Awas Yojana 2023- Highlights
| Name of the Scheme | PM Awas Yojana (Gramin) 2023 |
| Eligible Citizen | All Indian Rural Citizen |
| Mode of Application | Offline |
| Department | Gramin Vikas Mantralaya |
| Date of Reorganization | 1 April 2016 |
| Official Site | pmayg.nic.in |
PMAY Aim
The Government of India launched its ambitious housing scheme and promised to provide houses to two crore people living below the poverty line over the next five years. This scheme, an initiative of the Government of India, aimed to provide affordable housing to the poorest and most vulnerable members of society, ensuring that everyone had access to adequate shelter and security. It was widely hailed as a progressive step in the right direction, and many saw it as an indication of the government’s commitment to poverty alleviation and helping those in need.
PMAY Benefits
This scheme came with a number of benefits, including an increase in employment opportunities and an improved quality of life for those who had previously been without a roof over their heads. In addition to providing shelter, the government’s housing scheme also had a positive impact on the environment, reducing the need for deforestation in order to make space for housing by encouraging more people to make use of existing structures and encouraging a culture of reusing and recycling materials. Furthermore, this scheme provided access to essential services and infrastructure, such as access to electricity, clean water, sanitation, schools, and healthcare, allowing those in poverty to access the same facilities as everyone else.
PMAY Urban focuses heavily on improving the quality of life of the poor in civic areas. People living in pastoral areas in India will be provided with these installations as part of PMAY Gramina.
This scheme is blended with other systems as follows:
- Ensure that the housing has toilets.
- In order to secure the house’s electricity connections, the system is integrated with the Saubhaghya Yojana.
- LPG connections to these casing units were intermingled with the Ujjwala Yojana.
- Other installations like drinking water and the Jan Dhan banking scheme were also integrated into the system.
The PMAY list has the name and other necessary details of the aspirant. In addition, it contains lists of pastoral and civic people who are eligible for PMAY issues.
Category-Subsidy Amount
| EWS (Economically weaker section) | Rs. 2.2 Lakh per applicant |
| LIG (Low Income Groups) | Rs. 2.67 Lakh per applicant |
| MIG 1 (Middle-Income groups) | Rs. 2.35 Lakh per applicant |
| MIG 2 (Middle-Income groups) | Rs. 2.3 Lakh per applicant |
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PMAY features
- All-weather housing with water, kitchen, electricity, and water.
- Women empowerment.
- Better quality of life for Urban poor.
- Adequate physical and social infrastructure.
- Security.
Target Beneficiaries (EWS, LIG)
- Labour
- Urban poor
- Market/ Trade associations
- Long-term tourists/ visitors
- Industrial workers.
- The hospitality sector, students
- Educational or health institutions.
Official Website
Take a look at the details and apply at www.pmaymis.gov.in
The following documents are required to apply for benefits under PMAY
- Identify evidence documents for salaried persons.
- You should give these Documents if you are doing a job and salaried – Voter ID, Driving License, Passport, Aadhar or Government approved ID.
- Address Proof: For evidence of address, you need to have one of these documents driving license, ID, Aadhar card, Ration card, Electricity bill, Registered rent agreement, Bank statement, etc.,
- Income Evidence: If you are a salaried person or a self-employed person, you should have payment slips, a 6 – month bank statement, and form 16/ ITR. IT returns of the previous two years, the last 6 months’ current account statement, etc.,
- PMAY Card Related Documents: PAN Card, VAT Registration Certificate, ROC issued registration number, Shop and establishment certificate, SEBI registration certificate, Factory registration certificate, Professional qualification, Degree Certificate.
- Certified Photocopy Of Aadhar card and Job card.
- Photocopy Of Village Employee Survey Form.
- Certificate Of Land And Irrigation Resources By Patwari.
- Income Certificate (Certified By Yourself And Any Government Employee).
- House Certificate (Certified By Yourself And Any Government Employee).
- Copy Of Bank Diary On Khatoni Copying Land.
- Certificates for Two-Wheelers, Three-Wheelers, and Four-Wheelers (Certified By Self And Any Government Employee).
- Certificate of KCC membership in a cooperative society.
Eligibility for applying for benefits under PMAY
- You should be a citizen of India.
- The annual income is in the range of 5 lakh to 18 lakh.
- Both Reserved and Unreserved castes are also eligible to apply for this scheme.
- Families without pucca houses are eligible for the scheme.
Important Dates
Last Date: PMAY (Urban) extended till March 31, 2024.
Pradhan Mantri Awas Yojana 2023: FAQ’s
Q1. Is PMAY extended for 2024?
The central Government has extended the validity of both the verticals of the PMAT program.
Q2. Is PMAY reversed?
PMAY can not be reversible once it is sanctioned.
Q3. Why PMAY is not working for everyone?
Applying for a subsidy under the wrong income group is one of the primary reasons for not receiving a PMAY loan subsidy.
Q4. Who is not eligible for PMAY?
Anyone with an annual income of more than 18 lakhs, who owns a pucca house or person has previously benefited from a central or state Government housing project.
Q5. How much money does PMAY give?
1.5 lakh per year on the home loan.
Q6. Can PMAY be availed twice?
No
