सरकार ने Modi Free House Scheme Amount के तहत ₹1.5 लाख की राशि का किया एलान, जल्द करे आवेदन!

Modi Free House Scheme Amount, Budget 2024–2025: The PM Awas Yojana would give three crore extra homes in both rural and urban regions. One crore urban middle-class and impoverished households would have their housing requirements met by the PM Awas Yojana Urban 2.0, which will spend Rs. 10 lakh crore. In the upcoming five years, this would comprise Rs. 2.2 lakh crore in federal support. The Pradhan Mantri Awas Yojana’s budget was increased by 66% to around Rs. 79,000 crore in the Budget 2023–2024. The Indian government’s primary social welfare initiative is the Pradhan Mantri Awas Yojana.It began in 2015 with the intention of providing pucca houses to all eligible participants in both urban and rural parts of the country.

What is Pradhan Mantri Awas Yojana?

In order to give lower-income individuals, the urban poor, and the rural poor access to inexpensive housing, the Pradhan Mantri Awas Yojana (PMAY) was established. The Yojana would see the construction of over 20 million affordable dwellings. The funding for the Pradhan Mantri Awas Yojana was raised by 66% to around Rs. 79,000 crore in 2023. Two sections comprise the Pradhan Mantri Awas Yojana:

• PMAY-U, or Pradhan Mantri Awas Yojana Urban
• PMAY-G, or Pradhan Mantri Awas Yojana Gramin

The system is connected to other programs, including as

• By building in-home and community-owned restrooms, the Swachh Bharat Abhiyan seeks to reduce open defecation and promote cleanliness around homes, streets, and roadways.
• The Saubhagya Yojana seeks to connect people to electricity.
• The Ujjwala Yojana seeks to connect people to LPG gas.
• Availability of clean drinking water
• Mantri Pradhan Opening a zero balance account and providing financial services to everyone in society are the goals of the Jan Dhan Yojana.

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Pradhan Mantri Awas Yojana Urban (PMAY-U)

The primary goal of PMAY-U is to provide all eligible households and beneficiaries without a pucca home in cities and towns with affordable housing. Basic facilities including a kitchen, power, toilet, and water supply would be provided in every home under PMAY-U.

This initiative empowers women by awarding a home or property in the joint name or in the name of the female member. This initiative prioritizes disadvantaged and vulnerable populations, including minorities, the elderly, persons with disabilities, SCs, STs, OBCs, single women, transgender individuals, and others. In August 2022, the Union Cabinet approved the extension of PMAY-U until December 31, 2024. 84.7 lakh of the 118.64 lakh houses that had been approved for this project had been finished as of July 15, 2024.

Pradhan Mantri Awas Yojana Gramin (PMAY-G)

The primary goal of PMAY-G is to provide pucca dwellings to all rural households that are either homeless or living in Kutcha huts. In order to offer basic amenities to homes, including power, drinking water, clean and efficient cooking fuel, toilets, and the disposal of solid and liquid waste, this program works in conjunction with other government programs.

The Central and State Governments would split the cost of each unit of aid under this plan in the following ratios: 60:40 for plain areas and 90:10 for North Eastern states, Himachal Pradesh, Uttarakhand, and Jammu & Kashmir. As of July 15, 2024, 63 lakh of the 94 lakh dwellings approved for this project were completed.

Benefits of PM Awas Yojana

• House: Under PMAY-G, recipients will receive a home of at least 25 square meters. Depending on their categorization (EWS, LIG, MIG), the beneficiaries of PMAY-U will receive a home that ranges in size from 30 square meters to 200 square meters with carpet.
• Support: The Swachh Bharat Mission (G) would provide Rs. 12,000 in support to the PMAY-G recipients for the building of a restroom. Additionally, they would receive a unit support of Rs. 1.20 lakh in the plains and Rs. 1.30 lakh in the hill states, IAP/worst hit Left-Wing Extremism (LWE) regions, Jammu and Kashmir, Ladakh, North Eastern States, and tough places. Under PMAY-U, each EWS household would receive Rs. 1.5 lakh in central aid.
• Land ownership: Under PMAY, the government would give landless people access to government land or any other type of public property so they may build homes.
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• Interest subsidy: PMAY recipients will get interest subsidies from Primary Lending Institutions (PLIs) on housing loans for the purchase or new construction of homes.
• Better socioeconomic standing: The homes given to homeless families will raise their standard of living and socioeconomic standing. Better health, education, and general well-being will result from a home equipped with all the conveniences.

Modi Free House Scheme Amount

• Slum reduction: By giving slum residents a pucca dwelling, the PMAY-U will contribute to the reduction of slums in towns and cities. This would help attract slum dwellers to the formal urban settlement.
• Direct Transfer: The recipients receive their financial aid through an electronic transfer to their Aadhaar-connected bank or post office accounts. As a result, it lowers the likelihood of fraud and guarantees that the recipients get their money.

Components of PM Awas Yojana

There are four main parts to the PM Awas Yojana-Urban:

• Within-Situ Slums can be redeveloped with the help of the private sector and land as a resource. This goal seeks to give slum inhabitants access to established urban institutions and to the possibilities of land beneath slum regions. Credit Linked Subsidy: This policy would allow the government to lower the cost of homes by providing a 6.5% interest subsidy on loans for 15 years following the loan’s issuance. A 9% discount rate will be applied to calculate the interest subsidy’s Net Present Value (NPV). Only loans up to Rs 6 lakh are eligible for the credit-linked subsidy plan; loans beyond Rs 6 lakh are not eligible for any subsidies. The lending organizations will immediately credit the recipients’ accounts with the interest subsidy, lowering their Equated Monthly Installment (EMI) and the amount of their home loan.
• Affordable Homes in Partnership (AHP): The public and private sectors will collaborate to offer economically disadvantaged cheap homes for groups. It is possible for the States or Union Territories to plan affordable housing projects, either alone or in partnership with other entities.

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Pradhan Mantri Awas Yojana Eligibility

For PMAY-Urban, the following may be applicable:

• Under its three components, the “Housing for All Scheme” is believed to benefit economically disadvantaged populations, such as EWS, MIG, and LIG. This plan is open to EWS with an annual income ceiling of Rs 3 lakh, LIGs with a cap of Rs 3 to 6 lakh, and MIGs with a maximum of Rs 6 to 18 lakh.
• Slum dwellers are people who live in subpar homes with dirty drinking water and insufficient sanitary facilities.

For PMAY-Gramin, the following may be applicable:

According to statistics from the Socio-Economic and Caste Census, all homeless people and households reside in zero-, one-, or two-room kutcha dwellings with a kutcha wall and roof. Nevertheless, the following families are not eligible to apply for this program:

• Residing in a pucca home
• Possessing a motorized two-, three-, or four-wheel vehicle
• Having three- or four-wheeled, mechanized farm machinery
• has a Kisan credit card with a credit limit of at least Rs. 50,000 Any household member works for the government
• Possesses a government-registered non-agricultural business
• Pays professional and income taxes.
• Possess a landline phone and refrigeratorIrrigated property that is 2.5 acres or larger, 5 acres or larger for two or more crop seasons, or 7.5 acres or more using a minimum of one piece of irrigation equipment

How to Apply for Pradhan Mantri Awas Yojana?

Steps to apply for PMAY-U

• Visit the official Pradhan Mantri Awas Yojana website in step one.
• Step 2: Select Sign In, then New User. Register Here.
• Step 3: Proceed by providing your Aadhaar details, which are necessary in order to join in PMAY.
• Step 4: The application form will appear after you enter your Aadhar information, and you must correctly fill out the fields.
• Step 5: Click Save after doing this, then input the Captcha code.
• Step 6: Click Save next. It is now possible to take a printout of the completed application.

PMAY-G Apply Process

In order to enroll in PMAY-G, eligible beneficiaries can visit the Gram Panchayat, Village Sabha, or the lowest level of local self-government recognized by the relevant State/UT Panchayat Act and provide their information to the officials. People from the weakest segments of society can find cheap homes through the PMAY-U and PMAY-G programs. This program guarantees a higher standard of living by helping the recipients construct their own homes with the necessities.

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Faq’s

Q. Who is eligible to benefit from the PMAY program?

Ans: This program is open to all Indian citizens who fall into the EWS, LIG, or MIG categories. Using the information provided by the suppliers and consignors about the invoice or challenge, create an e-way bill.

Q. Is it possible to apply twice?

Ans: You are not allowed to apply more than once since your Aadhar card is connected to your account.

Q. Does this program need a registration fee?

Ans: The online gateway will not charge you for your application. An application fee of Rs.If you apply offline, you must pay $25 + GST.

@PAY