Pradhan Mantri Awas Yojana Enables Affordable Housing in India

High Level Physical Progress Report Pradhan Mantri Awas Yojna-PMAY 2020/21

Call it the catchphrase by the PM or the ambitious vision, “Housing for all by 2022” for the economically weaker sections is the idea behind the launching of Pradhan Mantri Awas Yojna(PMAY). Food, clothes and shelter come under the basic needs category and there has been massive progress by the Government in association with various other organizations to fulfil the first two needs of the people. Construction of house calls for a big investment and thus, the Honourable Prime Minister of India Shri. Narendra Modi launched PMAY in 2015 so that people living in rural and urban areas can get a house of their own.

What is PMAY?

PMAY is the credit-linked subsidy scheme which was launched by the Government of India to provide 20 million affordable houses to urban and rural poor by 31st March 2022. PMAY has two components:

  • Pradhan Mantri Awas Yojna (Urban)
  • Pradhan Mantri Awas Yojna (Gramin)

The scheme has been connected with the other schemes like Ujwala (for LPG gas connection), Saubhagya Yojna (electricity connection), and access to safe drinking water, facilities of toilets etc.

PMAY has been segregated into 3 phases which are:

  • Phase 1: April 2015-March 2017 to cover 100 cities
  • Phase2: April 2017-March 2109 another 200 cities to be covered
  • Phase 3: April 2019 to March 2022 to cover the remaining cities

Who are eligible under PMAY?

  1. People who own a house have been kept away from the benefits of PMAY. The central idea behind  PMAY is :
  • To provide housing to those people who don’t have a pucca house and none of the family members of the beneficiary has availed any kind of assistance from the Government schemes.
  • Earning member of the family is an adult and doesn’t have a pucca house in his/her name is eligible for the scheme.
  • In case of a married couple who is living on rent or they are living with their parents, their identity is that of a separate household and is eligible to apply for the house under PMAY.
  1. The maximum age of the beneficiary should be 70 years.
  2. The segregation of family income to be eligible for the scheme is:
  • Economically Weaker Section: Rs 3 lakhs per annum
  • Lower Income Group: Rs 6 lakhs per annum
  • Middle Income Group(MIG-I): Rs 6 lakhs-Rs 12 lakhs per annum
  • Middle Income Group(MIG-II): Rs 12 lakhs-Rs 18 lakhs per annum
  1. Houses under the scheme will be owned by females or jointly with the males.
  2. Self-construction loans or loans for renovation will be allocated only under EWS and LIG categories.
  3. The houses shall be constructed using eco-friendly technology.
  4. Special preference shall be given to senior citizens and differently-abled people.

What is the rate of subsidy under PMAY?

From the starting of the loan up to 20 years, the government will provide 6.5% interest subsidy for EWS and LIG; 4% for MIG-I and 3% for MIG-II.

How to apply for PMAY?

Consider the following points to apply online for the house under PMAY:

The applicant needs to have AADHAR card, bank statements and income statement for applying under PMAY. The steps for online application are:

  • Logon to www.pmayis.gov.in which is the official PMAY website.
  • Select “Citizen Assessment” option. It can either be for slum dwellers or benefits under other components. So choose accordingly.
  • Enter AADHAR details.
  • You will be directed to the application page where you will have to enter all the details like name, contact number, personal details, bank account number etc.
  • Save these details and you will get a Captcha code which needs to be entered carefully.
  • Your application stands through and you can get a print of the same for your reference.

In case you want to apply offline under PMAY, then you need to visit the Common Service Centre where you will be required to furnish the necessary information and the fee for the same is Rs 25 plus GST.

How to check your name under PMAY?

PMAY list for the urban segment can be accessed either by entering the full name or the first three letters of the name of the applicant. To do this,

  • Visit the official website of PMAY
  • Click on “Search Beneficiary” tab on the menu bar
  • From the drop-down menu, select “Search by name”
  • Type your name and click on “Search”
  • You will get the list of beneficiaries under PMAY

PMAY list for the rural segment can be assessed either with registration number or without the registration number. In either case, you need to keep the following steps in mind:

  • Visit the official website PMAY Gramin
  • On the menu bar, you will get Stakeholder option, click on it.
  • From the drop-down menu, select “IAY/PMAYG Beneficiary”

In case you have the registration number then,

  • Enter the registration number
  • Click on Search

If you don’t have the registration number then,

  • Click on “Advanced Search” option
  • Fill PMAY form
  • Click on the Search tab
  • You will find the beneficiaries under PMAY

What is the procedure to check the PMAY High Level Progress Report?

Steps for checking Physical Progress Reports are:

  • Logon to http://pmayg.nic.in/netiay/home.aspx
  • On the menu bar click on Awaassoft and select “Reports” from the drop-down menu.
  • You will be able to access physical progress reports under PMAY-G Report Section. The numerous reports available are:
  • Houses completed in a financial year
  • Progress of the houses against the target financial year
  • The gap between the stage: Target to Verification of the account

    Verification of the account to completion of the house

  • The gap in the entry of the targets
  • List of incomplete houses according to Panchayat

Financial progress reports, social progress reports, convergence reports and social audit reports can also be accessed by visiting the above-mentioned page.

PMAY is in its third phase now and if everything goes as per planning a large section of the population will be able to have a pucca house of its own and this is a big achievement.

Samar Javed

I am Samar Javed working with AddressOfChoice Realty Private Limited as a Digital Marketing Executive. I have 4 Year Experience in same field. I love to share informative blog.