Latest Updates on Pradhan Mantri Awas Yojana (PMAY)-2023-24

1. Introduction

In a country as diverse and populous as India, providing affordable housing to its citizens is a paramount challenge. Recognizing this pressing need, the Indian government launched the Pradhan Mantri Awas Yojana (PMAY) in 2015. PMAY is a flagship affordable housing scheme that aims to address the housing shortage and uplift the economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG) in both urban and rural areas. With the vision of “Housing for All” by 2022, PMAY stands as a beacon of hope for millions of Indians seeking a place they can call home.

2. Objectives of PMAY

1. Affordable Housing for All: The primary objective of PMAY is to ensure that every Indian has access to affordable and decent housing. By providing financial assistance and incentives, the government aims to make housing within reach of all socio-economic sections.
2. Slum Rehabilitation: PMAY focuses on the rehabilitation of slum dwellers by converting slums into livable and sustainable habitats. It aims to improve the living conditions of the urban poor and eliminate slums from the Indian urban landscape.
3. Subsidized Home Loans: Under PMAY, eligible beneficiaries receive interest subsidies on home loans, making it easier for them to afford housing. This makes homeownership a reality for those who might not otherwise qualify for conventional housing loans.
4. Women Empowerment: PMAY recognizes the significance of women in the home and society. It encourages the participation of women as co-owners or sole owners of the house, promoting gender equality and empowering women.
5. Urban and Rural Components: PMAY is designed to cater to the specific housing needs of both urban and rural populations. Separate components are in place to address the unique challenges faced by each segment.

3. Components of PMAY

1. Credit Linked Subsidy Scheme (CLSS): Under this component, eligible beneficiaries receive interest subsidies on home loans. The subsidy amount depends on the income category of the applicant. EWS, LIG, MIG-I, and MIG-II applicants can avail varying degrees of interest rate benefits.
2. Affordable Housing in Partnership (AHP): This component focuses on providing affordable housing solutions in collaboration with the public and private sectors. It aims to develop housing projects in partnership with states, union territories, and private developers.
3. Beneficiary-led Individual House Construction or Enhancement (BLC): This component supports the self-construction or improvement of houses by eligible beneficiaries. It empowers individuals to construct or enhance their homes using the financial assistance provided by PMAY.
4. In-Situ Slum Redevelopment (ISSR): This component targets slum rehabilitation by undertaking redevelopment projects on the existing slum land. The aim is to create sustainable and affordable housing for slum dwellers without displacing them.

4. Eligibility Criteria

To be eligible for PMAY, applicants must fulfill certain criteria:

1. Income Category: The scheme caters to different income groups, namely EWS, LIG, MIG-I, and MIG-II, with varying income limits for each category.
2. Family Size: The size of the family is also taken into account while determining eligibility.
3. Housing Status: Applicants should not own a pucca house anywhere in India in their name or in the name of any family member.

5. Application Process

Applying for PMAY is a relatively straightforward process:

1. Visit the official PMAY website or approach the nearest Common Service Centre (CSC).
2. Click on the “Citizen Assessment” option.
3. Enter your Aadhar details and proceed to fill in the application form.
4. Provide accurate personal and income-related information.
5. Choose the preferred method of subsidy – either CLSS or BLC.
6. Send the application and the required supporting documents.
7. Keep track of your application status on the PMAY portal.

6. About PMAY List

In both urban and rural parts of India, the Pradhan Mantri Awas Yojana (PMAY), which was launched in 2015, aids the poor in obtaining affordable homes. The Pradhan Mantri Awas Yojana Gramin (PMAY G) was in force till 2024. Additionally, 2.95 crore dwellings have been added to the estimated number of pucca homes. In order to fulfill the “Housing for All” goal, the finance minister has suggested in the Union Budget 2022-2023 that more than 80 lakh affordable homes be developed and delivered by 2023.

Here is a step-by-step tutorial for finding your name on the list of beneficiaries for 2022–2023 if you are one of the program’s beneficiaries. You need a reference number once you’ve finished the Pradhan Mantri Awas Yojana PMAY application process. The aforementioned reference number is necessary to monitor the status of the application.

7. PMAY List Highlights

PMAY List Highlights
Full Form of PMAY	Pradhan Mantri Awas Yojana
PMAY Launch Year	2015
Types of PMAY Scheme	Two different types of PMAY programs exist: Pradhan Mantri Awas Yojana Gramin (PMAY-G) and Pradhan Mantri Awas Yojana Urban (PMAY-U)
List of Categories for PMAY Gramin Beneficiaries	• Families from the Economically Weaker Sections with incomes up to Rs 3 lakh • Families from Scheduled Castes and Tribes Low-Income Group (LIG) families with incomes between Rs 3 lakh and Rs 6 lakh • The Middle-Income Group with incomes between Rs 6 lakh and Rs 12 lakh and the High-Income Group with income between Rs 12 lakh and Rs 18 lakh.
Objective of PMAY	The goal of the PMAY program is to offer 2022 affordable housing options to all eligible families and beneficiaries.
Official Website To Check PMAY List 2021-22	PMAY(U) website – https://pmaymis.gov.in/
Website Designed & Developed By	National Informatics Centre, Ministry of Electronics and Information Technology, Government of India

8. How to check the Pradhan Mantri Awas Yojana Urban List for 2022–2023 (PMAY List)?

To find out if your name has been added to the final Pradhan Mantri Awas Yojana Urban beneficiary list (PMAY List), you can do the following things:

• Visit the PMAY(U) official website at https://pmaymis.gov.in/.

• Next, choose the ‘Search Beneficiary’ option and then click the drop-down menu next to ‘Search by Name’.

• When prompted, type your name exactly as it appears on the application form and click “Show.”

• After clicking, the results will be displayed on the screen. To view your name and other details, look at the screen. (Download the PMAY Urban List PDF for 2021-2022) is how the Pradhan Mantri Awas Yojana list would look.

9. How can I check the Pradhan Mantri Awas Yojana Gramin List for 2022–2023?

If you enrolled under PMAY Gramin 2022-23, you can check to see if your name is on the PMAY List 2022-23

(also known as the Gramin List or the Pmay List 2020-21) by doing the following:

• Visit https://pmaymis.gov.in to access the PM Awas Yojana-Gramin website.

• Select the ‘Stakeholders’ option from the menu.

• Clicking on it will take you to “Indira Awas Yojana (IAY)/PMAYG Beneficiary.”

• You can search for your name on the Pradhan Mantri Awas Yojana Gramin list here using one of two methods:

• When you enter your registration number in the appropriate field and press the “Submit” button, information about whether your name is on the list will show up on your screen.

Including Registration Number:

If your name is on the list, information about it, including your registration number, will be displayed on your screen once you input it in the required field and press the “Submit” button.

Having no registration number:

If you don’t have the Registration Number, use the second option, “Advanced Search.” Give the details that are requested, such as the State, District, Block, Panchayat, etc. The computer system will then ask you for:

• Name
• BPL Number and Account No.
• Suspension Order
• Name of father or husband
• After entering all of the necessary information, click “Search” to look for your name in the final list (Pmay list 2020-21).

10. Pradhan Mantri Gramin Awas Yojana’s (PMAY-G) “Awaas” Mobile Application

To provide affordable housing in rural regions, the Pradhan Mantri Awas Yojana Gramin has achieved significant strides. In addition to offering affordable homes, the Union government has also released a cutting-edge mobile app called “Awaas”. You can use this app to see the implementation and subsidy status of the scheme. For duties including inspection login, beneficiary login, FTO tracking, beneficiary search, and providing the most recent dwelling status, users of the Awaas app can use it. The National Informatics Centre (NIC) created the Awaas smartphone app.

11. PMAY List Helpline Numbers

Tollfree Numbers: 011-23060484, 011-23063620, 011-23063567, 011-23061827

MIS : http://pmaymis.gov.in/

Email: grievance-pmay.gov.in

Website: https://pmay-urban.gov.in/

Address:

Pradhan Mantri Awas Yojana.

New Delhi-110011.

12. Conclusion

Pradhan Mantri Awas Yojana (PMAY) is a groundbreaking initiative by the Indian government that aims to provide affordable housing for all citizens. By offering subsidies and incentives, PMAY empowers people from different income groups to realize their dream of owning a home. Moreover, it prioritizes the rehabilitation of slum dwellers and promotes gender equality by encouraging women’s participation in homeownership.

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