PM Awas Yojana List 2025: Do Not Miss pmay.gov.in List

PM Awas Yojana List 2025: Apply Online @ pmay.gov.in List. In a significant stride towards addressing the housing shortage in urban India, the Pradhan Mantri Awas Yojana continues to make waves. Launched on June 25, 2015, by the Ministry of Housing and Urban Affairs (MoHUA), this flagship mission aims to provide all-weather pucca houses to eligible urban households by the year 2022, coinciding with India’s 75th Independence Day.

The PMAY has two components. The first is PM Awas Yojana -Urban. This targets city dwellers. The second is PM Awas Yojana-Gramin. This focuses on rural areas. Both aim to help the economically weaker sections of society. They also include lower-income groups, middle-income groups, and slum dwellers.

Under PMAY-Urban, beneficiaries can receive subsidies on home loans. The subsidy amount depends on the income group. For instance, those earning up to Rs. 6 lakh per year can get an interest subsidy of 6.5%. This makes home loans affordable for many families. The government also offers subsidies for home repairs and renovations.

PM Awas Yojana – Gramin aims to provide pucca houses. These houses have basic amenities like water, electricity, and sanitation. The scheme covers people living in kutcha houses. These are houses made of mud and other weak materials.

The government partners with banks and housing finance companies to provide easy loans. The scheme also promotes the use of eco-friendly construction materials. This helps in building sustainable and durable homes.

Many families have already benefited from PM Awas Yojana. However, challenges remain. Land acquisition and financial constraints are major hurdles. Despite these, the government remains positive.

PMAY is a significant step towards housing for all. It brings hope to millions of families dreaming of owning a home. The scheme is not just about houses. It’s about building a better future for India.

PM Awas Yojana List 2025
PM Awas Yojana List 2025

PM Awas Yojana List 2025: Apply Online @ pmay.gov.in List

Pradhan Mantri Awas Yojana Online Form Available Here https://pmaymis.gov.in/
Beneficiary categories EWS, LIG, ME-I, ME-2
The last date to fill PMAY online form for EWS and LIG December 31, 2024
The last date to fill PMAY online form for MIG December 31, 2024
Types of PMAY Online Form
  1. Economically Weaker Sections
  2.  Low-Income Group
  3. Middle Income Group – I
  4. Middle Income Group- II (MIG- II)

The PMAY-Urban Mission: Key Features

  1. Targeted Beneficiaries:
    • PMAY-U focuses on three categories of beneficiaries:
      • Economically Weaker Sections (EWS)
      • Low-Income Groups (LIG)
      • Middle-Income Groups (MIG)
    • Slum dwellers are also included in this comprehensive housing initiative.
  2. Central Assistance:
    • The mission provides central assistance to implementing agencies through states, union territories, and central nodal agencies.
    • The validated demand for houses stands at approximately 1.12 crore.
  3. House Size and Ownership:
    • EWS houses can have a carpet area of up to 30 square meters.
    • Notably, PMAY-U mandates that the female head of the family be the owner or co-owner of the house—a progressive step towards women’s empowerment.
  4. Affordable Rental Housing Complexes (ARHCs):
    • Recognizing the challenges faced by urban migrants and the poor, PMAY-U introduced ARHCs.
    • These complexes offer dignified, affordable rental housing close to workplaces, benefiting those in the industrial sector and non-formal urban economy.
  5. Global Housing Technology Challenge – India (GHTC-India):
    • MoHUA initiated GHTC-India to identify and mainstream innovative, sustainable, and disaster-resilient construction technologies from around the world.
  6. Light House Projects:
    • These projects serve as showcases for innovative construction technologies and sustainable practices.
  7. CLSS Awas Portal (CLAP):
    • A web-based monitoring system that integrates stakeholders—MoHUA, central nodal agencies, lending institutions, beneficiaries, and citizens—in real-time.
    • It facilitates application processing and subsidy tracking.

Progress So Far

  • Houses Sanctioned: 118.64 lakhs
  • Houses Grounded: 114.3 lakhs
  • Houses Completed: 84.28 lakhs
  • Central Assistance Committed: ₹2 lakh crore
  • Central Assistance Released: ₹1,63,926 crore
  • Total Investment: ₹8.07 lakh crore

What are the eligibility criteria for PMAY?

The eligibility criteria for the Pradhan Mantri Awas Yojana are as follows:

  1. Economically Weaker Sections (EWS):
    • Household income up to ₹3 lakh per annum.
    • No existing pucca house in the name of any family member.
  2. Low-Income Groups (LIG):
    • Household income between ₹3 lakh and ₹6 lakh per annum.
    • No existing pucca house in the name of any family member.
  3. Middle-Income Groups (MIG):
    • MIG-I: Household income between ₹6 lakh and ₹12 lakh per annum.
    • MIG-II: Household income between ₹12 lakh and ₹18 lakh per annum.
    • No existing pucca house in the name of any family member.
  4. Ownership Criteria:
    • The female head of the family should be the owner or co-owner of the house.
    • Beneficiaries can include unmarried women, widows, transgender individuals, and other eligible family members.
  5. Location:
    • The PMAY scheme applies to urban areas across India.
    • Beneficiaries must have a valid Aadhaar card.
  6. Other Considerations:
    • Applicants must not have availed of any other housing scheme benefits.
    • The house should be constructed within the stipulated time frame.

What documents are required to apply for PM Awas Yojana?

When applying for the Pradhan Mantri Awas Yojana (PMAY), you’ll need to provide the following documents:

  1. Identity Proof:
    • Salaried Individuals:
      • Voter Card
      • Driving License
      • Aadhar Card
      • Passport
      • Government-issued ID card with a photo
      • Verified letter from a government official with a photograph
    • Self-employed individuals (similar documents as above)
  2. Address Proof:
    • Salaried and Self-Employed:
      • Driving License
      • Aadhar Card
      • Voter ID card
      • Passport
      • Life insurance policy
      • Other government-issued photo ID
  3. Income Proof:
    • The last 6 months’ bank statements
    • Salary slips (last two months)
    • Income Tax Return (ITR) receipts
  4. Property-Related Documents:
    • Proof of purchase of the property

Subsidy under PMAY and How to claim it?

Let’s delve into the details of the subsidy provided under the Pradhan Mantri Awas Yojana (PMAY):

  1. Credit-Linked Subsidy Scheme (CLSS):
    • The CLSS is a central government initiative aimed at reducing the effective interest rate on home loans for eligible beneficiaries.
    • It provides interest rate subsidies based on the income category:
      • Economically Weaker Sections (EWS) and Low-Income Groups (LIG):
        • Interest subsidy of up to 6.5% on a loan amount of up to ₹6 lakh.
      • Middle-Income Groups (MIG-I and MIG-II):
        • Interest subsidy of up to 4% on a loan amount of up to ₹9 lakh (MIG-I) and ₹12 lakh (MIG-II).
  2. Maximum Loan Tenure:
    • The maximum loan tenure for CLSS beneficiaries is 20 years.
  3. Subsidy Calculation:
    • The subsidy amount is calculated based on the net present value (NPV) of the interest subsidy.
    • It is credited upfront to the loan account, effectively reducing the EMI burden.
  4. Eligibility Criteria:
    • Beneficiaries must meet the income criteria specified for each category.
    • The house should be purchased or constructed within the stipulated time frame.
  5. Application Process:
    • Apply through banks, housing finance companies, or other lending institutions.
    • Submit the necessary documents and apply for a home loan under the PMAY-CLSS category.

How can people apply for PMAY benefits?

To apply for the Pradhan Mantri Awas Yojana (PMAY) benefits, follow these steps:

Online Application:

  • Visit the official PMAY website
  • Click on “Citizen Assessment.”
  • Choose the relevant category: “For Slum Dwellers” or “Benefits under other three components.”
  • Fill in personal details, income information, and bank account details.
  • Upload a scanned copy of your Aadhaar card.
  • Submit the form.

Offline Application:

  • Obtain the PMAY application form from authorized government centres.
  • Fill in the required details, including personal information and income.
  • Attach necessary documents (such as identity proof and income proof).
  • Submit the completed form at the designated centre.

How to apply for PM Awas Yojana Online?

Follow the steps given below to apply for the Prime Minister’s Housing Scheme

  • Log in to the PM Awas Yojana website @ pmayis.gov.in
  • Select the option of Citizen Assessment and then tap on For Slum Dwellers or Benefit under the other 3 options.
  • Now enter the Aadhaar card details and click on Check.
  • After this, you will be redirected to another page, where you will have to fill in all the details correctly.
  • You will have to fill in the details like name, contact number, other personal details, and bank account details.
  • After filling in all the details, scroll down and then enter Captch. Then click on the Save button.
  • After following these steps, your application process will be completed.

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