Pradhan Mantri Awas Yojana (PMAY)
Scheme Scope: All India (Central Scheme)
PMAY ek aisi scheme hai jo beghar ya kachhe makaan mein rehne wale logo ko naya ghar banane ya purane ghar ko sudharne ke liye seedhe bank account mein Financial Assistance (paisa) ya bank loan par Interest Subsidy (chhut) deti hai.
About This Scheme
PMAY ek aisi scheme hai jo beghar ya kachhe makaan mein rehne wale logo ko naya ghar banane ya
purane ghar ko sudharne ke liye seedhe bank account mein Financial Assistance (paisa) ya bank loan par Interest Subsidy (chhut) deti hai.
Isme paani, bijli, aur toilet jaisi basic suvidhayein shamil hoti hain.
Sarkar ne is scheme ko agle phase ke liye badha diya hai. Iske do main hisse hain:
PMAY-Gramin (PMAY-G):
Ministry of Rural Development isko chalati hai. Cabinet ne iske tahat rural India mein 2 crore naye ghar banane ka lakshya rakha hai jise 2029 tak poora kiya jayega.
PMAY-Urban 2.0 (PMAY-U):
Ministry of Housing and Urban Affairs ne ise naye roop mein launch kiya hai, jiska target 1 crore shari poor aur middle-class parivaron ko affordable rate par ghar dena hai. Isme Interest Subsidy Scheme (ISS) ke tahat home loan par chhut milti hai.
Who Can Apply?
PMAY-Gramin (Gaon ke liye):
Aise parivar jo kachhe makaan (un-walled ya kachhi chhat) mein rehte hain.
Socio-Economic Caste Census (SECC) aur Awaas+ list mein shamil parivar.
SC/ST, mukt bandhua mazdoor, aur vancit (deprived) parivar.
PMAY-Urban 2.0 (Shehar ke liye - Income Categories):
EWS (Economically Weaker Section): Salana aamdani ₹3 Lakh tak.
LIG (Lower Income Group): Salana aamdani ₹3 Lakh se ₹6 Lakh tak.
MIG (Middle Income Group): Salana aamdani ₹6 Lakh se ₹9 Lakh tak.
Benefits
Direct Cash Assistance (Gaon mein):
Plain areas (maidani ilako) mein ghar banane ke liye ₹1.20 Lakh aur Hilly/Difficult areas (pahadi ilako) mein ₹1.30 Lakh ki direct financial help milti hai.
Iske sath hi MGNREGA ke tahat mazdoori ka paisa aur Swachh Bharat Mission ke tahat toilet ke liye alag se help milti hai.
Interest Subsidy (Shehar mein): PMAY-U 2.0 ke tahat agar aap ghar ke liye loan lete hain, toh ₹1.80 Lakh tak ki interest subsidy milti hai (4% subsidy pahle ₹8 lakh tak ke loan par, 12 saal ke tenure tak).
Women Empowerment: Ghar ka ownership parivar ki female head ke naam par ya co-owner ke roop mein hona mandatory (zaroori) hai.
Application process
For PMAY-Gramin (Offline):
Gaon ke liye aapko alag se apply nahi karna padta. Sarkar Gram Panchayat ke sath milkar SECC aur Awaas+ data ke aadhar par khud eligible logo ki list taiyar karti hai.
Aap apne Gram Panchayat ya Vikas Khand (Block) office mein jaakar check kar sakte hain ki aapka naam list mein hai ya nahi.
For PMAY-Urban 2.0 (Online):
Official Website: Official portal pmaymis.gov.in par jayein ya National Government Services Portal se apply karein.
Citizen Assessment: Portal par jaakar 'Citizen Assessment' ya 'Apply Online PMAY-U 2.0' par click karein.
Details Bharein: Apna Aadhaar number enter karein aur application form mein apni personal detail, address, aur income info bharein.
Through Banks: Agar aap interest subsidy (loan) lena chahte hain, toh aap kisi bhi Scheduled Commercial Bank, Housing Finance Company (HFC) ke paas jaakar PMAY-U 2.0 ke tahat home loan apply kar sakte hain.
Zaroori Documents:
Aadhaar Card (Mandatory).
Income Certificate (Aamdani ka praman patra).
Bank Passbook (Aadhaar linked account).
Property Documents (Agar khud ki zameen par bana rahe hain).
Self-Declaration Certificate: Ek aupcharik patra ki aapke paas pehle se koi pucca makaan nahi hai.
How to Apply
Click the button below to apply directly on the official Portal.
Apply