Pradhan Mantri Awas Yojana (PM Awas Yojana) is a great government initiative, under which everyone from Scheduled Tribes to Economically Weaker Sections (EWS) is given financial help to build their own pacca house. Through this scheme, the dream of millions of needy people of our country to build their dream homes is being fulfilled.
If you also want to take advantage of this wonderful scheme, then first of all it is very important to understand its eligibility conditions carefully. Because, if you do not fulfill these qualifications, then you will not be able to apply! Don’t worry, we have given you complete information about the eligibility for both urban and rural applicants in detail below.
Eligibility Criteria for Urban Area
If you live in an urban area and want to avail of the benefits of Pradhan Mantri Awas Yojana, then these are the conditions for you:
The first and foremost condition is that you should not have any permanent (pakka) house in any part of the country.
Whether you can apply for this scheme or not depends on your income group and your annual income:
Economically weaker people, their annual income should not exceed ₹3 lakh.
The annual income of people belonging to this category should be between ₹3 lakh to ₹6 lakh.
If a person belongs to the Middle Income Group-1, then his annual income should be between ₹6 lakh to ₹9 lakh.
Apart from this, if a person lives in a slum and does not have a pucca house, then he is also eligible for this scheme. All the income limits mentioned above are on an annual basis. Now, let’s know what are the eligibility conditions for rural areas.
Eligibility Criteria for Rural Areas
If you live in a rural area and want to avail of the benefits of Pradhan Mantri Awas Yojana, then there are some different eligibility rules for you:
The applicant of the rural area must be listed in the Socio-Economic and Caste Census (SECC – Socio-Economic and Caste Census) data. This census is done by the Ministry of Rural Development and contains details of the economic and social status of the families.
If a person has a kutcha house in the village, then he will also be considered eligible for this scheme.
To apply for Pradhan Mantri Awas Yojana, it is very important for you to have the documents mentioned below. Without these documents, your application will be considered incomplete:
You have to submit an affidavit, in which it is clearly written that you do not have any permanent (pukka) house in any part of the country. This is a legal declaration.
Aadhaar card is mandatory for your identity and address proof.
If you have a MNREGA job card, attach it too. It can help to prove your rural background and income status.
You have to give complete details of your bank account (account number, IFSC code etc.), because the financial assistance received under the scheme will be deposited directly into your bank account.