PMAY Scheme Details नई आवेदन शुरू पक्का मकान बनाने के लिए मिलेंगे 2.5 लाख रुपये, आवेदन की पूरी जानकारी यहां देखें

PMAY Scheme Details, 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.

Budget 2023–2024: The Pradhan Mantri Awas Yojana now has more than Rs, a 66% increase. 79,000 crore in the Budget 2023. 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.

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What is Pradhan Mantri Awas Yojana?

Affordable housing for low-income people living in poverty in both urban and rural areas was the goal of the Pradhan Mantri Awas Yojana (PMAY). The Yojana would see the construction of over 20 million affordable dwellings. A 66% increase in funding was made to the Pradhan Mantri Awas Yojana, reaching around Rs. 79,000 crore in 2023. There are two parts to the Pradhan Mantri Awas Yojana:

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

The system is further connected to other projects, such 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.

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.

By granting property or a home in the female member’s name or in joint names, this program empowers women. This initiative prioritizes disadvantaged and vulnerable populations, including minorities, the elderly, persons with disabilities, SCs, STs, OBCs, single women, transgender individuals, and others.

The Union Cabinet gave its approval in August 2022 for PMAY-U to continue till December 31, 2024. 118.64 lakh homes have been sanctioned for this project as of July 15, 2024, and 84.7 lakh have been finished.

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. 63 lakh homes have been finished as of July 15, 2024, and 94 lakh units have been approved for this project.

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.

PMAY Scheme Details

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.

Women’s empowerment: If the land and homes are given to the local women or to the husband and wife, the authority of women in the nation will increase.

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.

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.

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Components of PM Awas Yojana

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

• Land and the private sector can be used as resources to rebuild within-situ slums. Leveraging the potential of land beneath slum regions and giving slum people access to established urban companies are the goals of this project.
• 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. The interest subsidy’s Net Present Value (NPV) will be calculated at a 9% discount rate. 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 institutions will directly credit the recipients’ accounts with the interest subsidy, reducing the home loan amount and the EMI.
• Affordable Homes in Partnership (AHP): The public and private sectors will collaborate to offer economically disadvantaged groups affordable homes. It is possible for the States or Union Territories to design affordable housing projects, either alone or in partnership with other entities.

Pradhan Mantri Awas Yojana Eligibility

For PMAY-Urban, the following may be applicable:

• It is thought that the “Housing for All Scheme” will help economically disadvantaged groups like EWS, MIG, and LIG under its three components. 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.

The following can apply for PMAY – Gramin:

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 wheels and automated agriculture equipment
• 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.
• Have a refrigerator and a landline phone.at least 2.5 acres of irrigated land, at least 5 acres of irrigated land for two or more crop seasons, or at least 7.5 acres of land equipped with at least one piece of irrigation equipment.

How to Apply for Pradhan Mantri Awas Yojana?

Procedures for PMAY-U applications

• Step 1: Visit the official Pradhan Mantri Awas Yojana website.
• Step 2: Select Sign In and then New User. Register Here.
• Step 3: In order to proceed, enter your Aadhaar details, which are necessary for PMAY enrollment.
• Phase 4: Following the submission of your Aadhar information, you will be asked to carefully fill out the application form.
• Step 5: After finishing, input the Captcha code and click Save.
• Step 6: Click Save after that. The program is now complete, and a printout is available.

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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.

Faq’s

Q. Who is eligible for the pay scheme’s blessings?

Ans: Any Indian citizen who belongs to the EWS, lig, or mig classes can benefit from this coverage. Using the information provided by the consignors and providers on the job or bill, generate an electronic bill.

Q. Can a person publish programs?

Ans: No, you cannot apply more than once as your account is connected to your Aadhar card.

Q. Does this scheme have a registration price?

Ans: You’ll now not be charged if you follow the web website. you must pay a registration fee of rs. 25 + GST if you observe offline.

@PAY