Breaking News, Pm Awas Yojana Extends Benefits to 5 New Categories

Pm Awas Yojana people who lack a permanent place to dwell and lack the resources to construct one. The PM Awas Yojana, which the government administers, offers financial aid to impoverished families to help them construct a home. As such, candidates who are interested may visit the program's official website to take advantage of it.

That being said, should you wish to construct a permanent home and also profit from this arrangement. This means that you must apply online, and today's post outlines the entire procedure for doing so for the program. You need to read the article through to the conclusion in this case in order to get all of the scheme's details. 

PM Awas Yojana 2024

One of the government's most significant programs is the Pradhan Mantri Awas Yojana, which offers its recipients substantial financial aid. We would like to inform you that the government operates housing programs for permanent homes in both rural and urban locations. The financial aid amounts for each area are adjusted for inflation.

Pradhan Mantri Awas Yojana applications are still being accepted; they were first accepted on June 25, 2015, and they will be accepted until December 31, 2024. since the government is concentrated on achieving its goal of building 3 crore pucca dwellings throughout India. This post is worth reading because it includes information on crucial factors to consider while doing taxes online.

PM Awas Yojana 2024 Overview

Objectives of the Pm Awas Yojana

The government aims to give permanent housing to the nation's impoverished families through the Pradhan Mantri Awas Yojana. in order to prevent any problems for the families residing in Kutcha dwellings. The government runs the housing program with the intention of assisting the impoverished families that live in slums since they deal with many complicated issues during the rainy season.

It is important to note that the government of India set planned to aid around 3 crore houses when it launched this program in 2015. Yet, just approximately 2 crore homes have been constructed under this program as of yet, falling short of the government's aim.

Key Features of PM Awas Yojana

The PM Awas Yojana has a number of components that aim to lower housing costs and increase accessibility. The following are the scheme's main features:

1 Subsidy on Home Loans

For those who qualify, the program offers interest subsidies on house loans. For low- and middle-income groups, this lowers the cost of the home-buying process.

2 Pradhan Mantri Awas Yojana – Urban (PMAY-U)

focuses on urban areas and includes affordable rental housing, housing for the economically disadvantaged groups, and slum rehabilitation.

3 Pradhan Mantri Awas Yojana – Gramin (PMAY-G)

Targets rural areas with the goal of providing affordable housing to the rural poor.

4 Credit Linked Subsidy Scheme (CLSS)

Offers interest subsidies on home loans taken for buying, constructing, or improving homes.

Eligibility Criteria for PM Awas Yojana

Applicants must fulfil specific eligibility requirements in order to be eligible for the PM Awas Yojana. Here is a summary of the essential conditions:

1 General Criteria

• Citizenship: You have to be an Indian national.
• The income requirements are contingent upon the classification (the Economically Weaker Section (EWS), the Low-Income Group (LIG), and the Middle-Income Group (MIG).

2 Income Groups

• EWS and LIG: Up to 6.5% interest subsidy on a loan amount of up to ₹6 lakhs.
• MIG-I: Up to 4% subsidy on a loan amount of up to ₹9 lakhs.
• MIG-II: Up to 3% subsidy on a loan amount of up to ₹12 lakhs.

3 Other Criteria

• First-time Homebuyers: People who do not already own a Pucca house are given preference.
• Those who benefited from earlier schemes: must not have benefited from any other government housing program.

पीएम आवास योजना के लाभ

• देश के गरीब परिवारों को प्रधानमंत्री आवास योजना से बहुत लाभ मिलता है, जो उन्हें पक्का घर बनाने के लिए वित्तीय सहायता प्रदान करती है।
• ग्रामीण क्षेत्रों में लाभार्थियों को प्रधानमंत्री आवास योजना के तहत 1.30 लाख रुपये का लाभ मिलता है, जबकि शहरी क्षेत्रों में लाभार्थियों को 2.50 लाख रुपये की मदद मिलती है।
• यदि कोई महिला परिवार की मुखिया है, तो उन्हें इस प्रणाली के तहत कार्यक्रम लाभों के लिए विशेष प्राथमिकता मिलेगी।
• इस कार्यक्रम के माध्यम से मलिन बस्तियों में रहने वाले परिवारों को काफी सहायता मिलती है।

Eligibility for PM Awas Yojana

• The only people who can apply for this plan are Indian citizens.
  The applicant for the program should not be the owner of a fixed residence.
• The applicant must be over the age of eighteen.
• The applicant's annual income should be in the range of ₹3,00,000 to 6 lakh rupees.
• It would be preferable if the applicant's name was on the BPL list or ration card.
• The applicant needs to bring his voter ID card with him.

Documents for PM Awas Yojana

• Aadhar Card
• Photograph
• Job Card of the Beneficiary
• Bank Passbook
• Swachh Bharat Mission Registration Number
• Mobile Number

How to apply for PM Awas Yojana 2024?

Complete details are provided below if you like to apply for the Pradhan Mantri Awas Yojana. The process outlined below must be followed in order to apply online.

• The Pradhan Mantri Awas Yojana official website must first be accessed by visiting https://pmaymis.gov.in/.
• You must click on the three pies that are visible in the menu bar on the home page.
• You must select the Awaassoft option from the list of possibilities that are now displayed to you.
• You must select the Data Entry option from the comprehensive list that now appears in front of you.
• Following this, you will be presented with a new page where you must select the Data Entry for AWAAS option.

• The next step is to choose your district and state before pressing the Continue button.
• In order to log in, you must input the required data below, including your username, password, and captcha.
• The screen in front of you will then open with a Beneficiary Registration Form.
• The beneficiary bank information, beneficiary convergence information, and your personal information must all be entered here.
• The concerned office will be filled in with the information found in the last column.
• You may apply online for the Pradhan Mantri Awas Yojana by carefully following all of the instructions provided.

How much subsidy will be available in PM Awas Yojana

People who live in urban or rural regions can receive a subsidy of up to Rs 120000 or Rs 2,50,000 under the government-run Pradhan Mantri Awas Yojana. Depending on the locality, distinct amounts of subsidies have been maintained. The Direct Bank Transfer System transfers the whole amount of your subsidy straight into your bank account.

Process to check PM Awas Yojana (Urban) Status

First of all, visit the official website of PM Awas Yojana –

• To begin with, go to https://pmaymis.gov.in/, the PM Awas Yojana official website.
• Then, in the Menu area, select the Citizen Assessment option.
• Click the Track Your Assessment Status option from the drop-down menu after that.
• Currently, you will be presented with the Track Your Assessment Status page.

• With the use of the By Name, Father's Name, Mobile Number, and Assessment ID, you can now check the PM Awas Status here.
• A new page will open in front of you if you choose the first option, PM Awas Status By Name & Mobile Number, in this scenario.

• You can enter your name, father's name, cellphone number, state, district, city, and other information below.
• The next step is to click the Submit button.
• Your current status will show up in front of you; you may choose to print it, save it, or store it safely on your device.
• In addition, when you select the Assessment ID option from the second option, a new page will open in front of you.

After entering your Assessment ID and cellphone number on this new page and clicking the submit button, your status will be visible to you on the screen.

The process to Check PMAY-G Status

You can check your PMAY-G beneficiary status by clicking on IAY/PMAYG Beneficiary under the StakeHolders option in the menu of the official website, https://pmayg.nic.in/, if you are a rural citizen and you recently applied for the program.

PM Awas Yojana for Urban Areas

The goal of PMAY-Urban is to meet the urban poor's housing needs.

Components:

• Using land as a resource, in-situ slum redevelopment gives slum residents access to reasonably priced houses.
• Interest subsidies on house loans are offered via the Credit Linked Subsidy Scheme (CLSS).
• Promoting housing projects in collaboration with the public and private sectors is the goal of Affordable Housing in Partnership (AHP).
• Beneficiary-led Construction (BLC): Provides support to specific qualified families in building or renovating their homes.

PM Awas Yojana for Rural Areas

The goal of PMAY-Gramin, formerly known as Indira Awaas Yojana, is to give rural impoverished people access to cheap housing:

• House Size: Minimum unit size of 25 sq. meters with a hygienic cooking space.
• Financial Assistance:
  • Plain Areas: ₹1.20 lakhs.
  • Hilly/Difficult Areas: ₹1.30 lakhs.
• Convergence with Other Schemes: Integrates with schemes like Swachh Bharat Mission for sanitation.

Success Stories and Impact

PM Awas Yojana has transformed the lives of millions:

• Success Stories: A large number of families have moved from makeshift shelters to pucca homes, raising their level of life and guaranteeing a safe future for their kids.
• Impact: The program has enhanced the quality of life for recipients, increased the supply of inexpensive housing, and boosted the building industry.

Recent Updates and Announcements

Stay updated with the latest developments in PMAY:

• Extension of Deadline: The program has been extended in order to guarantee the completion of ongoing projects and to reach a greater number of beneficiaries.
• Technological developments: Utilising cutting-edge, environmentally responsible building techniques to support the development of sustainable homes.
• Special Provisions: Extra attention is paid to women, the elderly, those with disabilities, and minorities under special provisions.

Conclusion

Pm Awas Yojana is a transformative initiative aimed at ensuring every Indian has a roof over their head. With its focus on inclusive development and sustainable growth, PMAY not only addresses the housing shortage but also empowers citizens, particularly the economically weaker sections. Whether you are in an urban or rural area, this scheme provides a path to homeownership with government support, paving the way for a more secure and dignified life.