The main Pradhan Mantri Awas Yojana or PMAY eligibility criteria include the annual income of Rs. 3 Lakhs to Rs. 18 Lakhs, applicants should fall under the categories of EWS, LIG, MIG1, or MIG 2 and the maximum carpet area of the property should be between 60 to 200 square meters.
This programme envisages 'Housing for All' by 2022. Hence, it strives to maintain fairness and transparency in the identification and selection of beneficiaries. The primary objective is to ensure that the economically weak sections and deprived people get priority in the selection process.
This system does away with the BPL list. The Pradhan Mantri Awas Yojana Gramin includes all the homeless people, as well as those living in dilapidated houses as per SECC data.
The prioritisation of the beneficiaries under the Pradhan Mantri Awas Yojana Gramin is as follows:
Separate priority lists are prepared for each category and for each village after considering the above factors. The dedicated software programme MIS-AwaasSoft prepares the priority list for circulation among the Gram Sabhas for verification purposes. The respective Gram Sabha is responsible for verifying the genuineness of the data before the preparation of the final list. In case of a tie between two households, the following points are considered to decide the priority.
On finalisation of the list, each household gets a distinct rank. The list is circulated among the village Gram Panchayats. There is a window period consisting of 15 days for people to voice their grievances or complaints.
The final list after resolving all grievances is prepared on an annual basis. It forms the base for selection of the beneficiary in the Pradhan Mantri Awas Yojana Gramin. Note that the beneficiary does not have to apply for financial assistance. The household gets the financial help strictly as per their wait-listed number. The status of each beneficiary is available on the official website of Pradhan Mantri Awas Yojana Gramin.
Additional Info: Also check DDA Housing Scheme 2022
The objective of the Pradhan Mantri Awas Yojana Urban scheme is to ensure that every Indian citizen living in urban areas has a permanent shelter over their head by the year 2022. However, the eligibility criteria for the urban development scheme are different from that of the rural development programme.
The eligibility criteria income-wise are as follows:
Non-slum dwellers have three options as follows:
The MIG-I and MIG-II get the benefit of interest subsidy in the following manner:
Additional Info: Also check State Bank of India Home Loan
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Individuals eligible for PMAY are any household earning an annual income between Rs. 3 lakhs to Rs. 18 lakhs. The applicant or other family members should not own a pucca house in any part of India. Also, the beneficiary cannot avail PMAY scheme benefits on the already built house.
• Economically Weaker Section (EWS): Having annual income of Rs. 3 Lakhs
• Low Income Group (LIG): Having annual income of Rs. 6 Lakhs
• Medium Income Group (MIG 1) Having annual income of Rs. 6 Lakhs to Rs. 12 Lakhs
• Medium Income Group (MIG 2): Having annual income of Rs. 12 Lakhs to Rs. 18 Lakhs
Complete the simple steps given below to check eligibility for PMAY:
To avail PMAY subsidy under Credit Linked Subsidy Scheme (CLSS), Applicants must fall into one of the below-mentioned categories:
A PMAY beneficiary is a person/family who is eligible to avail the benefits of PMAY scheme.
The last date to submit your application under Pradhan Mantri Aavas Yojana is 31 March 2022 for EWS and LIG category.