Pradhan Mantri Awas Yojana (PMAY) Scheme Karnataka 2022

The Pradhan Mantri Awas Yojana (PMAY) Scheme Karnataka, the government of India's Urban Housing for All project, is a plan that strives to ensure that every household in Karnataka has access to a basic living unit with service. PMAY is abbreviated for "Pradhan Mantri Awas Yojana, " meaning "Mundra will seek housing for all". The scheme also aims to ensure no slums in India by 2022.

Understanding how this programme will benefit your future as an individual warrant reading on what this scheme entails and how effective it might be. Below is an outline of what PMAY entails.


What is the Pradhan Mantri Awas Yojana (PMAY)?

"Pradhan Mantri Awaas Yojana 2022'' is an initiative to create affordable housing in the country. The PMAY initiative was designed to help all urban residents, irrespective of their income, to have a home by 2022. The scheme seeks to build and construct 16 crore dwelling units (DCU) in urban areas of the country by 2022 under this scheme.


How has it been implemented so far?

The Housing for All project, which started in 2005, was implemented on a pilot basis by the then Government of India before it was handed over to Karnataka, which took over from it in 2010. Although initially started in 2005, the project gained momentum in 2010. The (PMAY) Scheme Karnataka has been rolled out by the Ministry of Housing and urban poverty alleviation. It has been monitored by the Urban & Housing Development Corporation (a Public Sector Undertaking) and the National Urban Livelihood Mission (NULM) of the Central Government.

The first phase of this project was launched on 25 June 2015 on Independence Day, which saw an investment of Rs 1.94 lakh crore being made across 500 cities in India to build around 20 lakh affordable houses. The PMAY scheme is one of the most ambitious programmes undertaken by the Ministry of Housing & Urban Poverty Alleviation to provide affordable housing for all by 2022.

The project has been implemented in phases until 2022, and the first phase is already underway. In the first phase, projects have already been completed in Karnataka, Rajasthan, Haryana and Gujarat. It is expected that by 2017, nearly 16 crore homes will be built across 500 cities. The second phase of this project will expand to 4 lakh new cities across India


What are the benefits of Pradhan Mantri Awas Yojana (PMAY) Scheme Karnataka?

The main intention of PMAY is to build a safe and secure home for every Indian citizen by 2022. The programme aims to provide affordable housing through the number of houses built. The average investment for an individual home is higher than Rs 35,000. The beneficiaries get a subsidy of Rs 1.20 lakh. It includes Rs 1.00 lakh through the Credit Linked Subsidy Scheme and the Interest Subsidy Scheme. In addition, beneficiaries can raise loans of up to Rs 6 lakh.


How has PMAY Karnataka been implemented?

The Ministry of Housing & Urban Poverty Alleviation has been closely associated with implementing Pradhan Mantri Awas Yojana (PMAY) Karnataka by constructing and building homes. The Ministry is assisted by the National Housing Bank and the National Project Construction Corporation, which provides financial assistance to the beneficiaries.


What are the incentives offered?

The beneficiary will be eligible for a home that is free from smoke and dust, rain, humidity and has walk-in wardrobes. The houses should also have a water supply, drainage facilities and a laundry. Every home built under the Pradhan Mantri Awas Yojana (PMAY) Karnataka must have toilets, at least in the main room for every three families. In addition, beneficiaries will be eligible for a loan of up to Rs 6 lakh. The Ministry of Housing & Urban Poverty Alleviation uses the Pradhan Mantri Awas Yojana (PMAY) schemes to provide loans to the beneficiaries.


Application process:

The application process required for an individual to avail of this scheme from Karnataka is as follows:


  • Officials from the state government will visit a person's house and see whether it complies with all necessary regulations and criteria. The person shall be asked about their income, financial status and eligibility for PMAY. This can be carried out by officials like the panchayat secretary or any other authority responsible for carrying out such works in that jurisdiction.

  • After the process is completed, the officials will visit the applicant's house and assess whether it complies with all necessary criteria. If they do, they sign a deed with their signatures to show that they can participate in the scheme.

  • Once officials register this information in their respective jurisdiction, they will request other municipalities or municipalities within their authority to complete constructing and building a house for a person. They will also issue them an acknowledgement letter stating that you are entitled to receive your basic needs for housing under PMAY. The officials from PMAY Karnataka will then supply construction materials like steel pillars, cement etc.



The PMAY scheme started in 2015 has been progressing at a steady rate. The government is working on its second phase to help over 4 lakh new cities across India. If these efforts are successful, it will be a big step towards eliminating homelessness and turning around the lives of those who live in slums. The programme has already seen some success with the government completing its first phase, which is already underway and soon it will be implemented on a broader scale. The government aims to complete the programme by 2022.

Arun Kumar

I am Arun Kumar working with AddressOfChoice Realty Private Limited as a Digital Marketing Executive. I have 8 Year Experience in same field. I love to share blog and Article.