PM Awas Yojana– Do you want to build a small house in your city? But due to lack of money, this dream is not being fulfilled? To solve this problem, there is the Central Government’s PM Awas Yojana. Under the PM Awas Yojana, crores of needy people in villages and cities have got permanent houses. Under the PM Awas Yojana-Rural , financial help is given to the poor and needy people in villages to build houses.
At the same time, under the PM Awas Yojana-Urban, the government is also giving financial help to those earning up to 9 lakh rupees annually. What is PMAY-U Yojana, how much financial help is available under this scheme? How to apply for this scheme, let’s know everything.What is Pradhan Mantri Awas Yojana Urban?
To provide housing to the needy people across the country, Prime Minister Narendra Modi launched the Pradhan Mantri Awas Yojana Urban (PMAY-U) on June 25, 2015. The objective of this scheme is to provide their own house to the poor and middle class people living in urban areas. To fulfill this dream, financial assistance is given by the central government. After the success of PMAY-U 1.0, PMAY-U 2.0 was launched. It was announced in the budget of 2024. Under PMAYU 2.0 , one crore urban poor and middle class families will be helped in providing housing in the next 5 years.
Objective of PM Housing Scheme-Urban
1. Providing housing to poor and middle class people living in urban areas.
2. Providing financial help to economically weak people.
Features of Pradhan Mantri Awas Yojana Urban
1. You get 2.5 lakh rupees from the government to build a house on your own land.
2. Providing affordable homes for landless people by partnering with builders.
3. Providing government built houses at very low rent.
4. Interest subsidy of Rs 2.67 lakh on home loan under the interest subsidy scheme.
Eligibility for PM Housing Scheme Urban
1. EWS/LIG/HIG category families living in cities who do not have a pucca house in the city.
2. Out of the 4 components of PMAY-U, benefits can be availed from only one category.
3. If you have availed any housing scheme in the last 20 years, then you will not be eligible for this scheme.
4. You can choose either PM Awas Yojana-Rural or PM Awas Yojana-Urban.
5. Families with annual income of Rs 3 lakh will come under EWS category.
6. Families with annual income of Rs 6 lakh fall in LIG category.
7. Families with annual income of Rs 9 lakh are in HIG category
Who will get priority in PM Housing Scheme?
Under the scheme, preference will be given to widows, single women, Divyangjan, senior citizens, transgender, Scheduled Castes/Scheduled Tribes, minorities and persons from other weaker and disadvantaged sections of the society. Special focus will be given to fiber connectivity, street vendors identified under PM Swanidhi Yojana, various artisans under PM Vishwakarma Yojana, Anganwadi workers, building and other construction workers, slum/chal residents and other groups identified during the operation of PMAY-U 2.0.
Application for Pradhan Mantri Awas Yojana Urban
STEP-1
To apply online, you have to visit the PMAY-U portal.
Here you will see the option of Apply for PMAY-U 2.0 , click on it.
Read the user guidelines carefully and proceed further. A list of required documents will appear, read it and proceed further
STEP-2
Select the state in which you want to apply for the scheme.
Write the annual income of the family in the box.
Select the component of PMAY-U you want to apply for.
You will be asked if you have a permanent house anywhere in the country, select NO for that.
The next question will be whether you have received the benefit of any housing scheme in the last 20 years.
Select NO for that too.
Click on Eligibility Check, now an affidavit will appear.
Enter the Aadhaar number and name mentioned in the Aadhaar card above it.
Read the affidavit carefully, tick the box and click on Generate OTP
STEP-3
Now the application form for Pradhan Mantri Awas Yojana Urban will open.
In this form, you will have to fill in your family and household details.
You will have to fill in your complete address, scheme and home loan details.
First fill in all the information asked about yourself, save it and proceed further.
Select the names of the family members, date of birth, relationship, gender, Aadhaar number and occupation and then click Save & Continue.
Now fill in the details about residence like choose EWS/LIG/HIG.
Do you have a permanent house or not? Upload your income certificate.
Select the number of years you have been living in the city, save and proceed
STEP-4
Now fill in the complete details of your current address and contact address.
In the scheme details, you will be asked whether you are taking benefit of any other scheme or not.
Now fill in the complete details of home loan and submit the form.
Documents required for Pradhan Mantri Awas Yojana Urban
Aadhaar card of the applicant.
Aadhaar card of family members.
Applicant’s bank account details (account number, branch, bank name, IFSC code).
Income Certificate (PDF File Size less than 100kb).
Land papers (in case of BLC component).