The Pradhan Mantri Awas Yojana (PMAY) has been presented by Prime Minister, Narendra Modi on 1 June 2015. PMAY Scheme is an activity given by the Government of India which goes for giving cheap lodging to the urban poor. The mission is to provide accommodation to all continuously 2022; at that point, the nation finishes 75 years of its Independence.
Under this plan, cheap houses will be worked in chosen urban areas and towns utilizing eco-accommodating development strategies to serve the urban indigent populace in India. Likewise, under the Credit-Linked Subsidy Scheme, recipients under PM Awas Yojana are qualified for intrigue endowment on the off chance that they benefit an advance to buy or build a house.
Recipients under the Pradhan Mantri Awas Yojana:
- A recipient family will bargain spouse, wife, unmarried children as well as unmarried little girls.
- The beneficiary family ought not to claim a pucca house either in his/her name or for the sake of any individual from his/her family in any piece of India
- The Pradhan Mantri Awas Yojana (Urban) plot cooks chiefly to the lodging necessities of the urban poor. The plan additionally takes into account the lodging necessity of ghetto tenants dwelling in limited zones of ghettos with the lacking framework, poor sanitation and drinking offices.
- Beneficiaries of PMAY(U) primarily incorporate Middle Income Groups (MIGs), Low-salary Groups (LIGs) and Economically Weaker Section (EWS). While the yearly pay for EWS class recipients is topped at Rs.3 lakh, the annual salary of LIG and MIG recipients can run between Rs.3-6 lakh and Rs.6-18 lakh individually.
- While the recipients from the EWS class is qualified for full help under the plan, recipients from LIG and LIG classifications are eligible for the Credit-Linked Subsidy Scheme (CLSS) under PMAY.
- In request to be perceived as a LIG or EWS recipient under the Scheme, the candidate is required to present an oath as salary evidence to the specialist.
PMAY Scheme Details
- Under PMAY Scheme, sponsorship loan cost is given at 6.50% p.a. on lodging advance for the term of 20 years to every one of the recipients.
- Differently abled and senior natives will be given inclination in allotment of ground floors.
- Sustainable and eco-accommodating advances would be utilized for development.
- The plan covers whole urban zones in the nation which incorporates 4041 statutory towns with the critical need given to 500 Class I urban areas. This will be done in 3 stages.
- The credit connected endowment part of the PM Awas Yojana gets executed in India in every single statutory town from the underlying stages itself.
Targets of PMAY Scheme
Because of late gauges, as of September 2016, the number of inhabitants in the urban tenants in India expanded at an alarming rate and is required to see a more noteworthy price of development in the next years. It is said that by 2050, urban dwelling populace will ascend to 814 million individuals. The estimation anticipated is double the number that as of now dwells in urban regions. The real difficulties additionally incorporate giving individuals reasonable lodging choices and other major related concerns, for example, sanitation alongside economic improvement. The Ministry likewise needs to guarantee a supportable and safe condition for the urban populace.
- The principal goal of the PM Awas Yojana Scheme is lodging that is reasonable for all regularly 2022.
- It likewise means to make it open to socioeconomics that is explicit, for example, financially tested gatherings, ladies along with individuals having a place with minorities, for instance, Scheduled Castes and Scheduled Tribes.
- The Government’s other objective is straightforwardly in relationship with probably the most overlooked socioeconomics which incorporate windows, lower pay bunch individuals, transgender and from now on give them supportable and moderate lodging plan.
- Personal inclinations for ground floor properties will be given to contrastingly abled, and senior residents whenever required.
- Registration is obligatory to profit the advantages of this plan, which incorporates the severe recipient names to be moms or spouses.
- This plan dispatch is proposed to target urban regions of the accompanying alternatives to States or Union Territories just as urban communities as notice prior.
Eligibility for PMAY Scheme
The legislature will utilize The Socio-Economic and Caste Census of 2011 (SECC 2011) to recognize and choose the rundown of PMAY recipients. The town panchayats alongside tehsils will be considered for the counsel of recipients before making the rundown under the rustic lodging plan. This will be done to guarantee straightforwardness of the venture and furthermore ensure that lone the meriting get the guide in lodging.
- Any family with complete yearly pay between Rs.6 lakh to Rs.18 lakh can apply for the PM Awas Yojana. The candidate is permitted to incorporate the salary of the companion while using for this plan.
- Indian residents who are ladies may apply. No other statistic will be considered as long as they are ladies.
- Senior residents and contrastingly abled will be given extraordinary needs for ground floor lodging.
Check Status of the PM Awas Yojana Online
- Visit the PM Awas Yojana official site http://pmaymis.gov.in/
- Under the “Menu” area, discover the “Native Assessment” alternative
- Enter your 12-digit Aadhaar card number
- Once you have entered your Aadhaar data, you will be diverted to the application page
- You will be approached to join your subtleties, pay subtleties, current private location, and your financial balance subtleties
- Enter all data in the application
- Click on “I am mindful of” alternative toward the finish of the page and snap the “Spare” catch
- Once you click the “spare” option, you will see a framework produced application number which you can put something aside for future reference
- Download and print the properly documented application
- Submit the structure at your closest CSC office focuses and money related foundation/banks alongside the required archives
The recipient can purchase another house to appreciate Pradhan Mantri Awas Yojana benefits. Individuals who effectively claim a home are not qualified to apply for this plan. No pucca house ought to be possessed by the recipient or individual from the family, in any piece of the nation. People will be permitted to purchase/develop new houses as they were. One can’t profit PMAY benefits on an expertly manufactured home. People who have a place with the low pay bunch, for example, LIG and monetarily more fragile areas otherwise called EWG in the general public may likewise apply. Scheduled clans and positions will also be qualified.
What did we learn?
