How to Apply for Pradhan Mantri Awas Yojana

If you are wondering how to apply for Pradhan Mantri Awas Yojana online, follow the steps mentioned below:

• Log on to http://pmaymis.gov.in/ to apply online.
• Click the 'Citizen Assessment' tab.
• Choose the appropriate option from 'For slum dwellers' and 'Benefits under the other three components' from the dropdown menu.
• You will be navigated to a new page wherein you have to provide your Aadhaar number and name as per your Aadhaar card. 
• You can use your Virtual ID instead of the Aadhaar number for authentication. Virtual ID is a revocable 16-digit random number mapped with your Aadhaar number. 
• After providing all the details, you will be redirected to the application page. Enter your personal details here such as your father’s name, bank account number, permanent address, income details, and so on. 
• Select the component of PMAY under which you want the benefits.
• Upon entering all the details, click on the ‘Save’ button to save the application details. 
• Enter the Captcha code and then click the ‘Save’ button again to save your application. 
• You can also take a printout of the application.

Additional Info: Also check Pan Number for Banks

If you do not have access to the internet and wondering how to apply for PMAY offline to avail the benefits under PMAY, don’t worry. You can also register for PMAY offline. You just need to visit a Common Service Centre (CSC), operated by the State Governments or any PMAY listed bank to fill in the PMAY application. A registration fee of Rs. 25 plus GST will be charged for offline applications. 

Here is the list of documents you need to provide in support of your PMAY application:

• Identity proof like Aadhar Card/ PAN Card/ Driving License / Voter ID Card.
• Address proof 
• Income proof like Form 16/ latest IT return/ bank account statements for the last 6 months.
• An affidavit stating that you or your immediate family member do not own any house in India.
• Valuation certificate for the property you want to purchase.
• Construction agreement with the developer/builder.
• Approved construction plan.
• The architect/engineer confirming the construction/repairs cost through a certificate
• Certificate for the fitness of the house.
• NOC from Competent Authority/ the relevant housing society.
• Receipt of advance payment done for the purchase (if applicable).
• Allotment letter of property/agreement or any other relevant property documents.

Additional Info: Also check DDA Housing Scheme

• The applicant should be at least 18 years of age or above.
• The applicant should not own any house anywhere in India.
• The applicant should not have received any government grant for purchasing a house earlier.
• The applicant must be belong to any of the 3 groups mentioned below based on their annual income:
  • Low-income Group (LIG)
  • Economically Weaker Section (EWS)
  • Middle-Income Group (MIG 1 or 2)

Additional Info: Also check Sukanya Samriddhi Yojana

You can easily apply for a house under the PMAY scheme by filling up a form. The form basically consists of two pages and requires you to fill in all the details about yourself. 

Here’s a brief on what each of these pages look like:

• Page 1: Here you have to enter your Aadhaar number. Once your Aadhaar number is verified, the application will proceed to the next page. Aadhaar number is used by the government to ensure that an individual actually applies for the scheme and does not defraud the system.
• Page 2: Here you need to enter your personal details like information of the state you are residing in, the head of the family, your current residential address, and other key details.

You can apply for PMAY scheme under the following 2 categories:

• Slum Dwellers: In India, a slum is an area where 60 to 70 households or approx. 300 people stay in poorly built residences. These areas have unhygienic environment and they lack proper infrastructure, sanitation, and drinking water facilities. These slu dwellers can apply for the Housing for All by 2022 Scheme under PMAY.
• Under Other 3 Components: Under PMAY scheme, the Economically Weaker Sections (EWS), Middle Income Groups (MIG 1 and 2) and Lower Income Groups (LIGs) are considered beneficiaries. Applicants should have the annual income cap of Rs. 3 Lakhs for EWS. For LIG, the maximum annual income should be between Rs. 3 Lakhs and Rs. 6 Lakhs. The cap for annual income for MIG is between Rs. 6 Lakhs and Rs. 18 Lakhs. The CLSS component can be availed of by the MIG and LIG categories. EWS is eligible under all verticals for assistance.

Additional Info: Looking for 50 Lakh Home Loan? Check EMI & Apply.

If you are wondering how to apply pradhan mantri awas yojana under other 3 components, the answer is given below in simple steps:

• Log on to the official PMAY at pmaymis.gov.in.
• Choose the option of ‘Benefits under other 3 components’ given under the ‘Citizen Assessment’ dropdown.
• Enter your Aadhaar number and then click ‘Submit’ button. The site will verify the entered Aadhaar details for accuracy.
• If the information is correct, you will be navigated to the next page where you need to provide all the required information including your name, income, number of family members, contact number, residential address, age of the head of the family, caste, religion, etc.
• On submitting all the information, scroll down and enter the displayed captcha code in the box and then click ‘Submit’ to complete the PMAY online application process. 

Additional Info: Looking for 30 Lakh Home Loan? Check EMI & Apply

If you are a slum dweller and don’t know how to apply for PMAY subsidy, don’t worry. Below are all the steps to complete the process:

• Log on to the official PMAY at pmaymis.gov.in
• Choose the option of ‘For Slum Dwellers’ under the ‘Citizen Assessment’ dropdown.
• Then enter your Aadhaar number before clicking the ‘Submit’ button. The site will verify your Aadhaar details for accuracy.
• If the information provided by you is correct, you will be navigated to the next page where you will need to provide all the information regarding you name, income, number of family members, address, contact number, age of the family’s head, religion, caste, etc.
• Upon submitting all the information, scroll down and type the captcha code in the box. 
• Click the ‘Submit’ button to complete the process.

Additional Info: Also check SBI Home Loan EMI Calculator