What is PM Awas Yojana? – Objectives, Benefits, Features, How to Apply, PMAY-U, PMAY-G, PMAY, Top 10 Interesting Facts, UPSC Questions
Table of Contents
Introduction
There is a news trending in media that PM Narendra Modi has Initiated the First EMI of beneficiaries of PM Awas Yojana under PM JANMAN Yojana & also stated that ‘We don’t want anyone to get deprived of Any Social Welfare Schemes.’ This news is a Major current affair for UPSC or many other similar competitive examinations of India.
Now, if you are preparing for competitive examinations in India and started studying for these exams and want to get a piece of comprehensive information about Government scheme in India, then this blog will help you to know about PM Awas Yojana in Detail. We have included all the details about PM Awas Yojana.
If you are also looking for the same, then this blog is for you.
So, let’s start-
Why PM Awas Yojana in News?
The Pradhan Mantri Awas Yojana (PMAY) is making headlines due to Prime Minister Narendra Modi’s recent initiation of funds on January 15, 2024.
The announcement underscores the government’s commitment to providing affordable housing solutions to the economically deprived sections of society.
The allocation of funds, totaling Rs 540 crore for the first installment, reflects a significant step towards realizing the goals of PMAY, particularly the rural component.
This news highlights the ongoing efforts to ensure that marginalized communities receive the benefits of welfare schemes, emphasizing the importance of safe housing, clean drinking water, education, health, and sustainable livelihood opportunities for all citizens.
What is PM Awas Yojana? – About PM Awas Yojana UPSC
The Pradhan Mantri Awas Yojana (PMAY) is a government initiative aimed at providing affordable housing for low and moderate-income residents in India.
Launched in 2015 by Prime Minister Narendra Modi, it targets the construction of 2 crore (20 million) affordable houses by March 2022. The scheme has two components: PMAY for urban areas (PMAY-U) and PMAY for rural areas (PMAY-G or PMAY-R).
Administered by different ministries, it converges with other programs to ensure houses come with essential facilities like toilets, electricity (Saubhagya Scheme), LPG connections (Ujjwala Yojana), and access to drinking water and banking facilities.
Historically, India’s public housing initiatives date back to post-independence refugee rehabilitation, evolving through various plans like the Village Housing Programme and the Indira Awas Yojana.
PMAY, part of ongoing efforts to meet housing needs, aims to build 2 crore houses for the urban poor by 2022, with a subsidy of ₹2.67 lakh on home loan interest.
The scheme prioritizes eco-friendly construction and preference for differently-abled and older persons in ground-floor allocations.
What are Objectives of PM Awas Yojana? – PMAY Objectives
The Pradhan Mantri Awas Yojana (PMAY) has several objectives aimed at providing affordable housing solutions for the citizens of India. Here are 10 key objectives of the PM Awas Yojana:
- Affordable Housing: To make housing affordable and accessible for economically weaker sections and low-income groups.
- Targeted Construction: Construction of 2 crore (20 million) affordable houses by 31 March 2022.
- Urban and Rural Focus: Addressing the housing needs of both urban and rural populations through separate components (PMAY-U and PMAY-G).
- Inclusive Development: Ensuring inclusive development by catering to the housing needs of economically disadvantaged sections.
- Credit-Linked Subsidy: Providing credit-linked subsidies on home loans to reduce the financial burden on beneficiaries.
- Basic Amenities: Integrating with other schemes to ensure houses have basic amenities such as toilets, electricity, LPG connections, drinking water, and banking facilities.
- Sustainable Construction: Promoting eco-friendly technologies for the construction of houses under the scheme.
- Preference for Vulnerable Groups: Giving preference to differently-abled and older persons in the allocation of ground floors in housing schemes.
- Empowering Women: Ensuring the title of the house is in the name of a female member of the family, promoting women’s empowerment.
- Socio-Economic Welfare: Contributing to the socio-economic welfare of vulnerable tribal groups through initiatives like PM-Janman under PMAY-G.
What are Features of PM Awas Yojana? – PMAY Features
The Pradhan Mantri Awas Yojana (PMAY) encompasses several features designed to achieve its objectives of providing affordable housing for all. Here are ten key features of the PM Awas Yojana:
- Credit-Linked Subsidy Scheme (CLSS): PMAY offers a credit-linked subsidy scheme to provide financial assistance on home loan interest for beneficiaries.
- Urban and Rural Components: The scheme is divided into two components – PMAY (Urban) and PMAY (Rural or Gramin) – catering to the specific housing needs of both urban and rural populations.
- Inclusive Approach: PMAY aims to be inclusive by addressing the housing requirements of economically weaker sections, lower-income groups, and marginalized communities.
- Targeted Construction: The primary goal is the construction of 2 crore (20 million) affordable houses by March 2022, with a focus on timely completion.
- Beneficiary-Led Construction (BLC): The scheme encourages beneficiary-led construction, allowing individuals to actively participate in the planning and construction of their homes.
- Preference for Women Ownership: The title of the house is often in the name of a female member of the family, promoting women’s empowerment and financial inclusion.
- Integration with Other Schemes: PMAY integrates with various government schemes to ensure houses come equipped with basic amenities such as toilets, electricity, LPG connections, and access to drinking water.
- Sustainable Construction Practices: Eco-friendly technologies are promoted for the construction of houses, emphasizing sustainable and environment-friendly practices.
- Preference for Vulnerable Groups: Differently-abled and older persons are given preference in the allocation of ground floors in housing schemes.
- Financial Assistance for Home Purchase/Construction: PMAY provides financial support to eligible beneficiaries, allowing them to purchase or construct their own houses.
What are Benefits of PM Awas Yojana? – PMAY Scheme benefits – Pradhan Mantri Awas Yojana Benefits
The Pradhan Mantri Awas Yojana (PMAY) offers several benefits to eligible beneficiaries, aiming to improve their living conditions and promote affordable housing. Here are some key benefits of the PM Awas Yojana:
- Subsidized Home Loans: PMAY provides credit-linked subsidy schemes (CLSS) that offer a subsidy on home loan interest rates, making it more affordable for beneficiaries.
- Financial Assistance: Eligible individuals receive financial assistance from the government, which helps in the purchase or construction of a new house.
- Affordable Housing: The scheme focuses on providing affordable housing to economically weaker sections (EWS), lower-income groups (LIG), and middle-income groups (MIG).
- Inclusive Development: PMAY is designed to address the housing needs of various income groups, ensuring inclusivity in housing development.
- Empowerment of Women: The title of the house is often in the name of a female member of the family, promoting women’s empowerment and financial inclusion.
- Improved Living Conditions: By providing access to safe and secure housing, PMAY contributes to improved living conditions for beneficiaries.
- Eco-Friendly Construction: The scheme encourages the use of eco-friendly technologies in house construction, promoting sustainable and environmentally conscious practices.
- Preference for Vulnerable Groups: Differently-abled and older persons are given preference in the allocation of ground floors in housing schemes.
- No Existing Dwelling Requirement: The beneficiary should not own a dwelling unit in the name of any family member anywhere in India, ensuring the benefits reach those without existing property.
- Promotion of Homeownership: PMAY encourages homeownership by providing support to those who might not have been able to afford a house otherwise.
How to Apply for PM Awas Yojana? – PMAY Application Process
There is two methods for Applying for PM Awas Yojana. First is Online, Second is Offline, we have added both of them below-
Step-by-Step Guide on Applying for PM Awas Yojana(Online):
1. Visit the Official PMAY Website:
Go to the official website of Pradhan Mantri Awas Yojana: https://pmaymis.gov.in/
2. Select the Appropriate Category:
Choose the relevant category – “For Slum Dwellers” or “Benefits under other 3 Components” based on your eligibility.
3. Provide Aadhar Details:
Enter your Aadhar number accurately as it is a crucial part of the application process.
4. Check Aadhar Authentication:
The system will perform Aadhar authentication, ensuring the correct details are provided.
5. Complete the Application Form:
Fill in the necessary details in the application form. Include personal information, income details, residential address, and other required information.
6. Upload Required Documents:
Upload the necessary documents, such as Aadhar card, income proof, and other relevant documents as specified in the application form.
7. Submit the Application:
After filling in all the details and uploading the documents, submit the application.
8. Receive Application ID:
Once the application is submitted successfully, you will receive an application ID. Note down this ID for future reference.
9. Application Verification:
The submitted application will undergo verification by the relevant authorities.
10. Approval and Allotment:
Upon successful verification, if eligible, your application will be approved, and you will be allotted a house.
Offline Application Process (For those without internet access)
1. Visit the Nearest Common Service Centre (CSC) – E-Mitra:
Individuals without internet access can visit the nearest CSC to fill out the application form.
2. Provide Necessary Information
Provide all the necessary information and required documents to the CSC operator.
3. Application Submission
The CSC operator will assist in submitting the application online on your behalf.
4. Receive Application ID
Receive the application ID generated during the submission process.
5. Application Verification and Approval
The application will go through the verification process, and upon approval, you will be informed about the allotment.
Eligibility Criteria for PM Awas Yojana – PMAY Eligibility
The eligibility criteria for the Pradhan Mantri Awas Yojana (PMAY) are as follows:
1. Maximum Age Limit:
Beneficiaries should be a maximum of 70 years old.
2. Income Limits:
- Economic Weaker Section (EWS): Family income should not exceed ₹3 lakhs per annum.
- Lower Income Group (LIG): Family income should not exceed ₹6 lakhs per annum.
- Middle Income Group (MIG-I): Family income between ₹6 lakhs to ₹12 lakhs per annum.
- Middle Income Group (MIG-II): Family income between ₹12 lakhs to ₹18 lakhs per annum.
- No Existing Dwelling Unit: The beneficiary should not own a dwelling unit in the name of any family member anywhere in India.
3. No Previous Subsidies or Benefits
The loan applicant should not have availed any central or state government subsidy or benefit for purchasing a home under the PMAY scheme.
4. No Current Property Ownership
The loan applicant should not currently own any property in their name or jointly with family members, including dependents.
5. Preference for EWS and LIG Categories
Home renovation or improvement loans and self-construction loans are specifically allocated for the EWS and LIG categories.
6. Property Ownership by Females or Jointly
Houses provided under this scheme should be owned by females or jointly with males.
PM Awas Yojana Gramin – PM Awas Scheme Rural – PMAY Rural
The Pradhan Mantri Awas Yojana Gramin (PMAY-G) is a rural housing scheme in India aimed at providing affordable and quality housing to the economically deprived rural population.
Launched under the broader PM Awas Yojana, it focuses on constructing pucca houses for families living below the poverty line in villages.
PMAY-G addresses the housing needs of vulnerable groups, offering financial support for home construction or improvement. The scheme aims to enhance rural living conditions by ensuring safe housing, access to clean water, sanitation, and basic amenities.
It reflects the government’s commitment to inclusive rural development and socio-economic welfare.
PM Awas Yojana Urban – PMAY U – PMAY Urban
The Pradhan Mantri Awas Yojana Urban (PMAY-U) is a flagship housing initiative in India designed to provide affordable housing solutions for the urban poor. A part of the broader PM Awas Yojana, PMAY-U focuses on constructing and upgrading houses for individuals and families with limited financial resources in urban areas.
The scheme includes credit-linked subsidy programs, facilitating easier access to home loans. By integrating with other urban development initiatives, PMAY-U aims to create sustainable and inclusive urban habitats.
It addresses the challenges of housing shortage and slum development, promoting improved living conditions and fostering socio-economic development in urban centers.
PMAY Rural Vs. PMAY Urban
There are many differences between both of PMAY Urban and Rural. We have listed some of the Key difference between PMAY-U & PMAY-R below-
| Difference | PMAY Urban | PMAY Rural |
| Target Population | Focuses on the housing needs of the urban poor and economically disadvantaged sections residing in cities and towns. | Aims to address the housing requirements of the rural poor, particularly those living in villages and remote areas. |
| Implementation Ministry | Administered by the Ministry of Housing and Urban Affairs. | Administered by the Ministry of Rural Development. |
| Income Criteria | EWS, LIG, and MIG categories based on income levels in urban areas. | Classifies beneficiaries based on their income, such as SC/ST and Minority populations in rural areas. |
| Financial Assistance | Provides credit-linked subsidies on home loan interest rates for eligible beneficiaries in urban areas. | Offers financial support and subsidies to rural beneficiaries for the construction or purchase of homes. |
| Basic Amenities Integration | Integrates with other urban development schemes to ensure houses have access to basic amenities such as toilets, electricity, LPG connections, etc. | Integrates with rural development schemes to provide basic facilities like safe housing, clean drinking water, better education, health and nutrition, electricity, roads, and sustainable livelihood opportunities. |
| Land Availability and Construction | Faces challenges related to the availability of land in urban areas; construction often involves vertical development due to limited space. | Emphasizes on horizontal development in rural areas with more available land; construction may involve traditional or eco-friendly methods. |
| Preference for Ground Floors | May prioritize differently-abled and older persons for ground floor allocations in housing schemes. | Similar preference for ground floor allocations, considering the needs of vulnerable groups in rural areas. |
| Ownership Structure | Houses may be owned by females or jointly with males, promoting gender empowerment. | Similar emphasis on female ownership or joint ownership in rural areas. |
| Integration with Other Schemes | Integrates with various urban development initiatives to provide comprehensive support. | Integrates with rural development programs to achieve holistic socio-economic welfare. |
| Community Infrastructure | Focuses on developing community infrastructure in urban areas to enhance overall living conditions. | Aims to improve community infrastructure in rural areas, fostering sustainable development. |
Key Facts about PM Awas Yojana
We have enlisted all major key facts about PM Awas Yojana below-
| PM Awas Yojana All Details | |
| Fact | Description |
| Country | India |
| Prime Minister(s) | Narendra Modi |
| Ministry | Ministry of Housing and Urban Poverty Alleviation |
| Key People | Hardeep Singh Puri |
| Launch Date | 25 June 2015 |
| Status | Active |
| Website | pmaymis.gov.in |
| Objective | Provide affordable housing for the urban and rural poor, ensuring “Housing for All” |
| Components | PMAY has two components – Urban (PMAY-U) and Rural (PMAY-G) |
| Target | Construction of 2 crore affordable houses by March 2022 |
| Credit-Linked Subsidy | Offers subsidies on home loan interest rates, making housing more affordable for beneficiaries |
| Income Categories | Classifies beneficiaries into categories based on income levels: EWS, LIG, MIG-I, MIG-II |
| Age Limit for Beneficiaries | Maximum age for beneficiaries is set at 70 years |
| Ownership Structure | Houses may be owned by females or jointly with males, promoting gender empowerment |
| Integration with Other Schemes | Integrates with various government initiatives, ensuring houses have basic amenities like toilets, electricity, and more |
| Preference for Vulnerable Groups | Differently-abled and older persons are given preference in ground floor allocations |
| Sustainable Construction Practices | Encourages the use of eco-friendly technologies for house construction |
| Application Process | Applications can be submitted online through the official PMAY website or offline through Common Service Centres (CSCs) |
| Monitoring Ministry | Originally under the Ministry of Housing and Urban Poverty Alleviation, now under the Ministry of Housing and Urban Affairs |
| Financial Assistance for Home Purchase | Substantial financial assistance provided for eligible beneficiaries to purchase or construct homes |
PM Awas Yojana in Hindi
प्रधानमंत्री आवास योजना (PMAY) एक सरकारी पहल है जिसका उद्देश्य भारत में निम्न और मध्यम आय वाले निवासियों के लिए किफायती आवास प्रदान करना है। प्रधान मंत्री नरेंद्र मोदी द्वारा 2015 में लॉन्च की गई, इसका लक्ष्य मार्च 2022 तक 2 करोड़ (20 मिलियन) किफायती घरों के निर्माण का था।
इस योजना के दो घटक हैं: शहरी क्षेत्रों के लिए PMAY-U और ग्रामीण क्षेत्रों के लिए पीएमएवाई (PMAY-G). या (PMAY-R). विभिन्न मंत्रालयों द्वारा प्रशासित यह स्कीम, अन्य कार्यक्रमों के साथ मिलकर यह सुनिश्चित करता है कि घरों में शौचालय, बिजली (सौभाग्य योजना), एलपीजी कनेक्शन (उज्ज्वला योजना), और पीने के पानी और बैंकिंग सुविधाओं तक पहुंच जैसी आवश्यक सुविधाएं हों।
ऐतिहासिक रूप से, भारत की सार्वजनिक आवास पहल स्वतंत्रता के बाद शरणार्थी पुनर्वास के समय से चली आ रही है, जो ग्राम आवास कार्यक्रम और इंदिरा आवास योजना जैसी विभिन्न योजनाओं के माध्यम से विकसित हुई है।
PMAY, आवास की जरूरतों को पूरा करने के लिए चल रहे प्रयासों का हिस्सा है, जिसका लक्ष्य 2022 तक शहरी गरीबों के लिए 2 करोड़ घर बनाना था जिसे यह पूरा कर भी चुका है, जिसमें होम लोन के ब्याज पर ₹2.67 लाख की सब्सिडी शामिल है। यह योजना पर्यावरण-अनुकूल निर्माण को प्राथमिकता देती है और भूतल आवंटन में दिव्यांग और वृद्ध व्यक्तियों को प्राथमिकता देती है।
FAQs on PM Awas Yojana = PM Awas Yojana UPSC Questions
Question-1: How much is the PMAY subsidy amount?
Answer. The subsidy amount under the Pradhan Mantri Awas Yojana (PMAY) is provided as a percentage of the home loan interest rate. The subsidy varies based on the economic category to which the beneficiary belongs. Here are the subsidy percentages for different economic sections:
EWS (Economically Weaker Section):
- Annual Income Range: Up to Rs. 3 Lakh
- Eligible Subsidy: 6.5%
LIG (Lower Income Group):
- Annual Income Range: Between Rs. 3 Lakh and Rs. 6 Lakh
- Eligible Subsidy: 6.5%
MIG I (Middle Income Group – I):
- Annual Income Range: Between Rs. 6 Lakh and Rs. 12 Lakh
- Eligible Subsidy: 4%
MIG II (Middle Income Group – II):
- Annual Income Range: Between Rs. 12 Lakh and Rs. 18 Lakh
- Eligible Subsidy: 3%
Question-2: What is different between MIG-1 and MIG-2?
Answer. The key difference between MIG-1 (Middle Income Group – I) and MIG-2 (Middle Income Group – II) under the Pradhan Mantri Awas Yojana (PMAY) lies in the annual income range and the corresponding subsidy percentage. Here’s a breakdown of the distinctions:
MIG-1 (Middle Income Group – I):
- Annual Income Range: Between Rs. 6 Lakh and Rs. 12 Lakh
- Eligible Subsidy: 4%
This category is for individuals or families with an annual income ranging from Rs. 6 Lakh to Rs. 12 Lakh. They are eligible for a 4% subsidy on home loan interest rates under PMAY.
MIG-2 (Middle Income Group – II):
- Annual Income Range: Between Rs. 12 Lakh and Rs. 18 Lakh
- Eligible Subsidy: 3%
MIG-2 is for individuals or families with an annual income between Rs. 12 Lakh and Rs. 18 Lakh. They are eligible for a 3% subsidy on home loan interest rates under PMAY.
Question-3: What is Pradhan Mantri Awas Yojana (PMAY)?
Answer. PMAY is a government initiative in India aimed at providing affordable housing for economically disadvantaged individuals and families.
Question-4: What are the rules for Pradhan Mantri Awas Yojana?
Answer. Rules include income criteria, age limits, no existing dwelling unit ownership, and not availing other housing-related subsidies.
Question-5: In which year did Pradhan Mantri Awas Yojana start?
Answer. PMAY was launched on June 25, 2015.
Question-6: What documents are required for Pradhan Mantri Awas Yojana?
Answer. Commonly required documents include Aadhar card, income proof, and other relevant identification and income-related documents.To apply for Pradhan Mantri Awas Yojana (PMAY), you typically need the following documents:
A. Aadhar Card
Copy of Aadhar card for identification and authentication purposes.
B. Income Proof
Documents supporting your income, such as salary slips, income certificates, or income tax returns. The specific document requirements depend on your employment type.
C. Residential Proof
Documents verifying your current residential address, such as utility bills, voter ID, or any government-issued address proof.
D. Caste Certificate
For individuals belonging to scheduled castes, scheduled tribes, or other specified categories, a caste certificate may be required.
E. PAN Card
Copy of your PAN (Permanent Account Number) card for financial transactions.
F. Bank Account Statements
Bank statements for the past few months to verify your financial transactions and eligibility.
G. Property Documents
If you already own a property, documents related to it may be required to ensure eligibility for the scheme.
H. Declaration of Family Income
A declaration stating the total income of your family from all sources.
I. Employment Certificate
For salaried individuals, an employment certificate from the employer.
J. Self-Declaration of Not Owning a Pucca House
A self-declaration stating that you or any family member do not own a pucca house in any part of India.
Question-7: What is the eligibility for Pradhan Mantri Awas Yojana Rural?
Answer. Rural eligibility criteria include maximum age, income limits for EWS, LIG, and MIG categories, and not owning a dwelling unit.
Question-8: Under which ministry is Pradhan Mantri Awas Yojana?
Answer. Originally under the Ministry of Housing and Urban Poverty Alleviation, it is now under the Ministry of Housing and Urban Affairs.
Question-9: Is there a toll-free number for Pradhan Mantri Awas Yojana?
Answer. The helpline numbers for Pradhan Mantri Awas Yojana (PMAY) are as follows:
Phone Numbers
- 011-23060484
- 011-23063620
- 011-23063567
- 011-23061827
Email Addresses
MIS: pmaymis@gov.in
Grievance: grievance-pmay@gov.in
Website:
Question-10: Is Pradhan Mantri Awas Yojana relevant for UPSC preparation?
Answer. Yes, knowledge of government schemes, including PMAY, is essential for UPSC aspirants.
Question-11: Who is eligible for Pradhan Mantri Awas Yojana?
Answer. Eligibility is based on income criteria, with categories like EWS, LIG, and MIG, and specific rules regarding property ownership.
Question-12: What are the objectives of Pradhan Mantri Awas Yojana?
Answer. Objectives include providing affordable housing, promoting inclusive development, and improving living conditions for all.
Question-13: Can I get all details about Pradhan Mantri Awas Yojana in one place?
Answer. Yes, We have provided all the details about PM Awas Yojana in this very blog post. However, you can visit the official website of PM Awas Yojana (https://pmaymis.gov.in/).
Question-14: Is there a helpline number for Pradhan Mantri Awas Yojana?
Answer. Yes, a helpline number is available for inquiries and assistance, as mentioned on the official PMAY website.
Phone Numbers:
- 011-23060484
- 011-23063620
- 011-23063567
- 011-23061827
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