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Pradhan Mantri Jan Arogya Yojana – PMJAY

PM-JAY: Prime Minister Shri Narendra Modi has launched Pradhan Mantri Jan Arogya Yojana on 23rd September 2018 in Ranchi, Jharkhand. The scheme is under Ayushman Bharat Mission which has the benefit cover of Rs. 5 lakh per family per year. PMJAY will target more than 10 crore families belonging to the poor and vulnerable population on the basis of the SECC database. SECC database is Socio-Economic and Caste Census 2011 according to which the beneficiaries of Pradhan Mantri Jan Arogya Yojana (PMJAY) will be chosen.

Important Features of PMJAY

Pradhan Mantri Jan Arogya Yojana has its several benefits for the people of the country. The details regarding the salient features of PMJAY is available below.

  1. PMJAY will have a benefit cover of Rs. 5 lakh per family per year. This will cover pre and post-hospitalization charges as well as all secondary care and most of the tertiary care procedures.
  2. There will be no restriction on family size & age and the beneficiary will receive a defined transport allowance per hospitalization as well.
  3. The beneficiary can avail the cashless benefits under PMJAY Scheme in any Public or Empanelled Private hospitals across the country and get free treatment.
  4. All the pre-existing conditions will be recovered from Day 1 of the policy.
  5. The beneficiary need not pay money for treatment in case of hospitalization.
  6. Pradhan Mantri Jan Arogya Yojana automatically covers all the family members of the eligible beneficiary as per latest SECC database.
  7. The payments for treatment will be done on the package rate in order to control costs. It will be a paperless, cashless transaction for the beneficiary.
  8. The beneficiary has to carry any Prescribed ID to receive treatment at the hospital.

Pradhan Mantri Jan Arogya Yojana (PMJAY) – Eligibility

To avail the benefits of PM-JAY, one should fall into the category of eligible beneficiary. A person whose record is available in the SECC database is eligible for PMJAY Scheme. However, the scheme automatically covers the family members of the beneficiary irrespective of family size & age. This is a big help for the people who are not able to carry the expense of the treatments. Read the steps to check the PMJAY Eligibility from below.

  • Visit the website of Pradhan Mantri Jan Arogya Yojana that is www.abnhpm.gov.in.
  • On the home page, you will find ‘AM I Eligible’

PMJAY Scheme

  • Then click on the button and a new window will open asking for Mobile Number and OTP.

PMJAY Scheme

  • After that fill your Mobile Number, Captcha Code & click on ‘Generate OTP’.

PMJAY Scheme

  • You will receive an OTP on your Mobile Number.
  • Hence fill the OTP in the given space, select on the checkbox to accept the conditions & click on the ‘submit’ button.
  • After that, a Search window will open wherein one can find his/her detail.

Pradhan Mantri Jan Arogya Yojana

  • Then select the state where you are residing from the drop-down menu.

Pradhan Mantri Jan Arogya Yojana Scheme

  • Further, choose the category from the available options in the drop-down.

Pradhan Mantri Jan Arogya Yojana Scheme

  • You can search your details by choosing the category such as Name, Ration Card Number, Mobile Number, RSBY URN & can check your eligibility.

Number of Beneficiaries of PMJAY Scheme

Pradhan Mantri Jan Arogya Yojana scheme will target 10.74 crores (approximately 50 crore beneficiaries) rural families and identified an occupational category of urban workers families depending the latest Socio-Economic Caste Census (SECC) data covering both rural and urban. Ayushman Bharat -National Health Protection Mission (AB-NHPM) will cover all districts of all the States/UTs in order to provide the benefit to the person in need. All such enrolled families under Rashtriya Swasthaya Bima Yojana (RSBY) that do not feature in the targeted groups as per SECC data will be included as well.

Categories Covered Under Pradhan Mantri Jan Arogya Yojana

For Rural

  • Total deprived Households targeted for PMRSSM who belong to one of the six deprivation criteria amongst D1, D2, D3, D4, D5, and D7.
  • Only one room with Kucha walls and Kucha roof (D1).
  • No adult member between age 16 to 59 (D2).
  • Female-headed households with no adult male member between age 16 to 59 (D3).
  • Disabled member and no able-bodied adult member (D4).
  • SC/ST households (D5).
  • Landless households deriving a major part of their income from manual casual labor (D7).

For Urban

  • Washer-man/ Chowkidar.
  • Electrician/ Mechanic/ Assembler/ Repair worker.
  • Shop worker/ Assistant/ Peon in small establishment/ Helper/Delivery assistant / Attendant/ Waiter.
  • Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart puller/ Rickshaw puller.
  • Home-based worker/ Artisan/ Handicrafts worker / Tailor.
  • Sweeper/ Sanitation worker / Mali
  • Coolie and another head-load worker
  • Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard.
  • Street vendor/ Cobbler/hawker / Other service provider working on streets
  • Domestic worker
  • Beggar
  • Rag picker
  • Occupational Categories of Workers.

Automatically included

  • Legally released bonded labour
  • Primitive tribal groups
  • Manual scavenger families
  • Destitute/ living on alms
  • Households without shelter

Categories Excluded from PMJAY Scheme

As per the Socio-Economic Caste Census (SECC) 2011, the following beneficiaries are automatically excluded from Pradhan Mantri Jan Arogya Yojana:

  • Owning at least 7.5 acres of land or more with at least one irrigation equipment
  • Owns 5 acres or more of irrigated land for two or more crop season
  • Owns more than 2.5 acres of irrigated land with 1 irrigation equipment
  • Owns a landline phone
  • Owns a refrigerator
  • House with three or more rooms with pucca walls and roof
  • Households paying professional tax
  • Households paying income tax
  • Any member of household earning more than Rs. 10,000/- per month
  • Households with non-agricultural enterprises registered with the government.
  • A Household member is a government employee.
  • Households having Kisan Credit Card with the credit limit above Rs. 50,000/.
  • Households having mechanized 3/4 wheeler agricultural equipment.
  • Households having motorized 2/3/4 wheeler/fishing boat.

प्रधानमंत्री जन आरोग्य योजना (आयुष्मान) हेल्थकेयर स्कीम

प्रधानमंत्री जन आरोग्य योजना: पीएम मोदी ने दुनिया की सबसे बड़ी हेल्थकेयर स्कीम ‘आयुष्मान भारत योजना 2018’ का लोकार्पण रांची में रविवार को कर दिया है। जिसके जरिए 50 करोड़ भारतीयों को लाभ मिलने का हवाला एनडीए सरकार द्वारा दिया जा रहा है। प्रधानमंत्री आयुष्मान भारत योजना, देश के 29 राज्यों और केंद्र शासित प्रदेशों के 445 जिलों के लोगों को लाभान्वित करेगी। फिलहाल अभी इस योजना को दिल्ली, केरल, ओडिशा, पंजाब और तेलंगाना में लागू नहीं किया जा रहा है।

प्रधानमंत्री जन आरोग्य योजना से जुड़ी खास बातें

  1. आयुष्मान भारत योजना का लक्ष्य खासकर निम्न और निम्न मध्यम वर्ग के परिवारों को महंगे मेडिकल बिल से निजात दिलाने के लिए लाया गया है।
  2. प्रधानमंत्री आयुष्मान भारत योजना के दायरे में गरीब, वंचित ग्रामीण परिवार और शहरी श्रमिकों की पेशेवर श्रेणियों को रखा गया है।
  3. आयुष्मान योजना में गांवों के 8.03 करोड़ और शहरों के 2.33 करोड़ परिवारों को शामिल किया गया है।
  4. सरकार की इस हेल्थकेयर योजना के जरिए प्रत्येक परिवार को सालाना 5 लाख रुपये की कवरेज दी जाएगी और वे सरकारी या निजी अस्पताल में कैशलेस इलाज करा सकेंगे।
  5. देश के करीब 10 हजार अस्पतालों में 2.5 लाख से ज्यादा बेड गरीबों के लिए रिजर्व रखे जाएंगे।

प्रधानमंत्री जन आरोग्य योजना (PMJAY) में आप शामिल हैं कि नहीं, ऐसे करें चेक

योजना में आप शामिल (आयुष्मान भारत योजना रजिस्ट्रेशन) हैं या नहीं, यह पता करना बहुत आसान है। नीचे दिए गए स्टेप्स को फॉलो करके आप अपनी आयुष्मान योजना में पात्रता जान सकेंगे।

  1. सबसे पहले आयुष्मान भारत की ऑफिशियल वेबसाइट mera.pmjay.gov.in खोलें।
  2. होमपेज पर आपको अपना मोबाइल नंबर डालना होगा।
  3. अब आपके नंबर पर एक ओटीपी आएगा।
  4. इस वन टाइम पासवर्ड को वेबसाइट पर डालकर वेरीफाई करने के बाद एक पेज खुलेगा।
  5. जहां आप देख सकते हैं कि आप योजना में शामिल हैं या नहीं।
  6. आयुष्मान भारत योजना में शामिल करीब 10 हजार अस्पतालों में 13 सौ से ज्यादा बीमारियों और इससे संबंधित पैकेज को इलाज में शामिल किया गया है।
  7. पात्र व्यक्ति पीएम आयुष्मान भारत योजना से कैंसर की सर्जरी, हार्ट की बाइपास सर्जरी, आंख-दांत का ऑपरेशन, सीटी स्कैन, एमआरआई जैसी तमाम बीमारियों का निशुल्क इलाज करवा सकेंगा।
  8. अगर आयुष्मान भारत योजना से जुड़ी किसी भी प्रकार की जानकारी चाहिए तो सरकार द्वारा जारी किए गए हेल्पलाइन नंबर 14555 पर कॉल करें।

प्रधानमंत्री जन आरोग्य योजना 2018 में कुल खर्च

पीएम मोदी के इस महत्वाकांक्षी योजना में 12000 करोड़ का खर्च आने का अनुमान है। योजना में आने वाले सभी खर्च का वहन केंद्र और राज्य की सरकार को मिलकर करना है। केंद्र सरकार आयुष्मान भारत योजना में जहां कुल खर्च का 60 फीसदी खर्च करेगी, वहीं राज्य की सरकार 40 फीसदी भार वहन करेगी। अर्थशास्त्रियों का मानना है कि पीएम आयुष्मान स्वास्थ्य योजना से मौजूदा वित्त वर्ष में 3500 करोड़ रुपये का भार पड़ेगा।

कोई शिकायत हो तो आयुष्मान मित्र से करें संपर्क

वेबसाइट पर आपका नाम नहीं है तो नजदीकी सरकारी या योजना में शामिल निजी अस्पताल से संपर्क कर सकते हैं। यहां आपकी मदद के लिए सरकार ने आयुष्मान मित्र/आरोग्य मित्र तैनात किये हैं। उनसे योजना से जुड़ी हर छोटी-बड़ी जानकारी ली जा सकती है।

प्रधानमंत्री जन आरोग्य योजना का अस्पताल में ऐसे ले सकते हैं लाभ

अगर आप योजना में शामिल हैं और इसका लाभ लेना चाहते हैं यह बहुत आसान है। आपको योजना में शामिल अस्पताल के आयुष्मान मित्र या आयुष्मान मित्र हेल्प डेस्क से संपर्क करना होगा। वहां आपको पहचान पत्र जैसे दस्तावेज दिखाने होंगे। इसके लिए आधार कार्ड, मतदाता पहचान पत्र या राशन कार्ड की जरूरत पड़ेगी। ध्यान रहे आधार कार्ड की कोई अनिवार्यता नहीं है। इलाज के लिए आपको एक पैसे भी नहीं देना होगा।

इन 5 राज्यों ने मोदी सरकार की आयुष्मान भारत योजना को लागू करने से किया इनकार

पीएम मोदी की महत्वाकांक्षी स्वास्थ्य योजना आयुष्मान भारत को 5 राज्यों ने अस्वीकार कर दिया है। जिन 5 राज्यों ने आयुष्मान भारत को अस्वीकार किया है वे हैं ओडिशा, तेलंगाना, दिल्ली, केरल और पंजाब। इन राज्यों ने योजना को अस्वीकार करने के पीछे उन्होंने अलग-अलग कारण दिए हैं। किसी का कहना है कि उसके पास आयुष्मान भारत से बेहतर स्वास्थ्य योजना है। वहीं, किसी ने केंद्र की योजना से असहमति जताते हुए उसे अस्वीकार कर दिया है। इन 5 राज्यों का कहना है कि जब तक इस योजना के संबंध में उनकी चिंताओं पर ध्यान नहीं दिया जाता, तब तक वे इसे लागू नहीं करेंगे।

आखिर आयुष्मान भारत योजना के लागू होते ही क्यों होने लगी आलोचना?

केरल ने आयुष्मान भारत योजना की आलोचना की है। इंडियन एक्सप्रेस को दिए इंटरव्यू में केरल के गृह मंत्री थॉमस इसाक ने योजना के औचित्य पर सवाल उठाते हुए इसे बड़ी धोखेबाजी है। इसाक ने कहा कि मोदी सरकार कैसे इतने बड़े स्तर की योजना को लागू करेगी। उन्होंने कहा, ‘राष्ट्रीय स्वास्थ्य बीमा योजना के तहत 30,000 रुपये मिलते हैं जिसके लिए सालाना 1,250 रुपये देने होते हैं। आयुष्मान भारत में 1,110 रुपये के सालाना प्रीमियम में 5 लाख रुपये का हेल्थ कवर मिलेगा। क्या इतने कम प्रीमियम पर यह लाभ देना संभव है?’उधर, तेलंगाना ने अपनी आरोग्यश्री योजना की वजह से केंद्र की योजना को खारिज कर दिया है। आरोग्यश्री योजना के तहत तेलंगाना के 70 प्रतिशत नागरिकों को हेल्थ कवर मिलता है, जबकि आयुष्मान भारत से केवल राज्य 80 लाख लोग लाभान्वित होते। तेलंगाना सरकार को यह भी लगता है कि आयुष्मान भारत योजना के कवर पर प्रधानमंत्री नरेंद्र मोदी की तस्वीर है जिससे आम चुनाव के समय भाजपा को ज्यादा लोकप्रियता मिलेगी। वहीं, दिल्ली में आयुष्मान भारत योजना से असहमति जताने की वजह ये है कि पीएम आरोग्य योजना से दिल्ली के 6 लाख परिवारों को फायदा मिलता जो यहां की जनसंख्या का मात्र 3 प्रतिशत है।

आयुष्मान भारत योजना की 5 बड़ी चुनौतियां

  1. योजना पर खर्च बड़ी चुनौती- आयुष्मान भारत योजना को राज्यों को साथ लिए बिना लागू नहीं की जा सकती। योजना पर होने वाले खर्च में राज्य भी भागीदार हैं। आयुष्मान में होने वाले खर्च का 60 फीसदी हिस्सा केंद्र उठाएगी, जबकि 40 फीसदी हिस्सेदारी राज्यों की होगी. जबकि, उत्तर पूर्वी और पहाड़ी राज्यों मसलन, जम्मू-कश्मीर, हिमाचल और उत्तराखंड जैसे राज्यों में केंद्र की हिस्सेदारी 90 फीसदी की होगी.
  2. खर्च को कंट्रोल करना बड़ा चैलेंज – लाभार्थी, बीमा कंपनी, निजी अस्पताल, डॉक्टर्स आदि 50 करोड़ लोगों को बीमा मुहैया कराने के लिए सरकार के सामने बड़ी चुनौती लागत को कम रखने की होगी।
  3. निजी अस्पताल अभी भी सहमत नहीं- आयुष्मान भारत की राह में सबसे बड़ी चुनौती यह है कि निजी अस्पताल सरकार की ओर से विभिन्न बीमारियों के इलाज के लिए तय की गई दरों पर सहमत नहीं हैं।
  4. सही लाभार्थियों की पहचान बड़ी चुनौती- एक ही नाम के कई लाभार्थी, नाम की स्पेलिंग में अंतर, ऐसी कई चीजें हैं, जो सही व्यक्ति की पहचान में दिक्कत पैदा करती हैं।
  5. हेल्थ ऐंड वेलनेस सेंटर के भरोसे है आषुष्मान भारत योजना- नेशनल हेल्थ प्रोटेक्शन स्कीम की सफलता हेल्थ ऐंड वेलनेस सेंटर पर टिकी है और अभी आजादी के 7 दशक बाद भी वेलनेस सेंटर की स्थिति किसी से छिपी नहीं है।

प्रधानमंत्री जन आरोग्य योजना से जुड़कर हर महीने कमाएं 90 हजार रूपए

आयुष्मान योजना (पीएम हेल्थ इंश्योरेंस स्कीम) में तकरीबन 10 करोड़ परिवारों का 5 लाख रुपये सालाना का स्वास्थ्य बीमा कराया जायेगा। साथ ही इस योजना से 1 लाख लोगों को रोजगार मिलेगा। इस योजना के तहत सरकार जन-धन योजना की तरह ही आयुष्मान मित्र बनाएगी। स्वास्थ्य मित्र ठीक उसी तरह होंगे जैसे जनधन योजना में बैंक मित्र लोगों का खाता खुलवाने के साथ-साथ बैंकिंग ट्रांजैक्शन कराते हैं।

क्या आर्थिक रूप से व्यावहारिक है आयुष्मान भारत स्वास्थ्य बीमा योजना

सरकार अस्पताल को सीजीएचएस से तय किए हुए रेट से 15 फीसदी कम रेट देगी। सीजीएचएस में प्राइवेट वार्ड का प्रावधान है और प्रधानमंत्री जन आरोग्य योजना में जनरल वार्ड का। हां, जो अस्पताल एनएबीएचएल से मान्यता प्राप्त होंगे, उन्हें 10 फीसदी ज्यादा राशि दी जाएगी। दरअसल एनएबीएचएल से मान्यता प्राप्त लैब रिपोर्ट की मान्यता दुनियाभर में हैं और इस रिपोर्ट की विश्वसनीयता और प्रमाणिकता देश ही नहीं विदेशों में भी है। इतना ही नहीं सरकार रिपोर्ट एरियाज में अस्पताल खोलने को बढ़ावा देने के लिए तय राशि से 10 फीसदी ज्यादा देगी।

Kisan Vikas Patra Eligibility, Interest Rate, Features and Benefits

Kisan Vikas Patra Eligibility: Are you sitting in front of the computer searching for a Saving Scheme which will give you a good interest rate with attractive features and benefits? If you are among one of them, then you are at the right place. Kisan Vikas Patra is one such savings scheme, which falls under the above mentioned criterias. The Kisan Vikas Patra also known as KVP in short is a saving which was launched by Indian Post Office in the year 1988. The savings scheme is available in the form of certificates thus making it more unique. The KVP has a fixed interest rate which doubles up your investment amount in a period of 118 months (9 years and 10 Months).

What makes the Kisan Vikas Patra unique, is its risk-free attribute. The scheme works under the Goverment of India thus giving the applicants an assurity in their investment. In this article, we will provide you all the information that you require to know about the Kisan Vikas Patra (KVP) before opening an account. We will discuss about its Kisan Vikas Patra Eligibility criteria, its interest rate, features, benefits and much more. So, let’s just not waste time and start with the Kisan Vikas Patra (KVP) Savings Scheme details.

Kisan Vikas Patra Eligibility Criteria Savings Scheme

Before investing your money into any scheme, be it a Government based / Private based. It is very necessary to know whether you are applicable for the scheme or not. Every savings scheme has a particular eligibility criteria, thus making it more sorted and easier. You can buy the Kisan Vikas Patra at any nearest Post Office, or it is also available online and at selected Banks as well.

Kisan Vikas Patra Eligibility Criteria Savings Scheme are as follows-

  • The Applicant must be 18 years or above in age.
  • Must be a Resident of India.
  • If the candidate is a minor, then the KVP Scheme can be invested by the Parents/Guardian on the applicant’s behalf.
  • Trusts can also buy scheme.
  • Two adults jointly can also apply for this scheme.

Applicants who cannot apply for KVP Scheme

  • Hindu Undivided Families (HUFs)
  • Non – Resident Indians (NRIs)

Interest Rates provided by the Kisan Vikas Patra (KVP) Scheme

The Kisan Vikas Patra, offers a rate of Interest of 7.3% per annum that gets doubled (investment) after every 118 Months. The rates of interests may change periodically based on the announcement made by the Finance Ministry. The Principal of KVP Savings Scheme is compounded anually.

Earlier Interest Rates of Kisan Vikas Patra is as follows

Time Period Interest Rate of KVP Scheme
Q2 FY (2018-19) 7.3% (Maturity at 118 Months)
Q1 FY (2018-19) 7.3% (Maturity at 115 Months)
Q4 FY (2018-19) 7.3% (Maturity at 115 Months)
Q3 FY (2018-19) 7.5% (Maturity at 115 Months)
Q2 FY (2018-19) 7.5% (Maturity at 115 Months)
Q1 FY (2018-19) 7.5% (Maturity at 115 Months)

Features and Benefits of Kisan Vikas Patra Savings (KVP) Scheme

The KVP Savings Scheme offers unlimited features, as per the priority and requirements of the applicants. The features of Kisan Vikas Patra are as follows-

  • Guaranteed Returns

The scheme is basically meant for the Farmers and the people residing in the rural areas. Besides the Market ups and down, the return amount of the Scheme is stable and guranteed. The certificates are available in denominations of Rs 1000, Rs 5000, Rs 10, 000 and Rs 50, 000.

  • Capital Protection

The KVP Savings Scheme is a safe mode of investment and is free from the market risks. You will receive the gains and the investment as soon as the tenure period ends.

  • Fixed Interest Rate

The effective interest rates of Kisan Vikas Patra varies depends on the number of years invested in KVP at the time of purchase. The current interest rate of KVP Scheme is 7.3% which got into effect from 1st January 2018. Since, the scheme is compunded anually, you will receive more returns in your deposit.

  • Tenure

The Maturity Period of Kisan Vikas Patra is 118 Months. The Maturity for KVP proceeds to continue till you withdraw the amount.

  • Tax- free

The Kisan Vikas Patra Savings Scheme does not come under 80C Deductions and the returns are completely taxable. The TDS (Tax Deduction Source) is exempted from withdrawals after the maturity period.

  • Nomination Facility

You can collect the Nomination Form from the nearest Post Office and fill up the required information of the nominee. If you are nominating a minor, then do mention their Date of Birth.

  • Easy and Affordable

The Kisan Savings Scheme Certificate is available in denomination of Rs 100, Rs 500, Rs 1000, Rs 10, 000 and Rs 50, 000 for investment. There is no maximum limit. The denominations of 50, 000 is available only at the Head Post Office of the city.

  • Loan against KVP Certificate

You can use for KVP Certificate as a security to avail secured loans. The rate is comparatively less for such loans.

  • Issuance of KVP Certificate

If the payment is done through cash, then the issuance of the certificate is done at the spot. If the payment is done through Demand Draft, Cheque, or Money Order then you will have to wait till the amount is cleared to the post office.

After the issuance of Kisan Vikas Patra Certificate, a KVP Identity Slip is present at the end of the application form which contains the KVP Seriel Number, the amount, the maturity date and the amount to be received at the date of maturity. The Kisan Vikas Patra Scheme is transferable from one person to another as well as from one post office to another post office.

Premature Encashment of Kisan Vikas Patra

The Investors are allowed to withdraw the fund at any period of time but to claim that, it has certain limitations.

  • Premature Withdrawals made within a period of 1 year will not receive any Interest. The investor will also have to pay some penalty as per the scheme regulations.
  • Premature withdrawals made after the period of 1 to 2.5 year, will receive interest but at a reduced rate.
  • Premature Withdrawals made after the period of 2.5 years will receive interest but at an applicable rate.

Procedure of Investment in Kisan Vikas Patra (KVP) Savings Scheme

You can make the investment in Kisan Vikas Patra both Online and Offline. The process to invest your fund in KVP Scheme is as follows –

Offline Procedure of Investment in Kisan Vikas Patra Scheme

  • Visit the nearest Post Office
  • Collect the Application Form (Form-A)
  • Fill in the details correctly.
  • Submit the Filled Application Form at the Post Office.

If the investment in KVP is through an agent, then the agent should fill the form (Form – A1).

Online Procedure of Investment in Kisan Vikas Patra Scheme

  • Visit the Official website of Indian Post
  • Download the Online Application Form (Form – A) and Fill in with correct details.

Documents Required for taking Kisan Vikas Patra Scheme (KVP)

The KVP Application Process includes Know Your Customer (KYC) Process which is mandatory. The documents required in the Application Procedure of KVP Scheme are –

  • Candidates have to submit a copy of ID Proof such as (Aadhaar Card/ PAN Card/ Voter ID/ Driving License/ Passport).

Once the documents are verified, and you receive a deposit. A KVP Certificate will be issued. Keep the certificate safe as you will need to submit the certificate at the time of maturity. You can also send a request to send you the certificate through e-mail.

The Kisan Vikas Patra is a worth long-time investment scheme that is applicable for every category of person. It is affordable and easy to manage. So, if you have made up the plan then get your monet ready and visit the nearest Post Office.

PMAY | 2018 | Application Process | Pradhan Mantri Awas Yojana

Previously called “Housing for All”, Prime Minister Narendra Modi launched Pradhan Mantri Awas Yojana (PMAY) in 2015 to provide a place to reside for millions of urban poor. The Government has already identified over 2,508 cities and towns across 26 states in the country with an aim to build over 2 million houses.

Pradhan Mantri Awas Yojana (PMAY) can be applied by two categories

  1. MIG, LIG and EWS (Other 3 Components) – The economically weaker sections like MIG, LIG and EWS are considered as beneficiaries under the Housing for All by 2022.
  • Middle Income Group (MIG) – annual income between Rs. 6 lakh and Rs. 18 lakh.
  • Lower Income Group (LIG) – annual income is between Rs.3 lakh and Rs.6 lakh.
  • Economically Weaker Section (EWS) – annual income stands at Rs. 3 lakh.
  1. Slum Dwellers – Slum areas are poorly built residences where 60 to 70 households or approximately 300 people stay. These areas are unhygienic as they lack proper sanitation facility, proper infrastructure and drinking water. People living in these people can apply for the Housing for All by 2022 Scheme under the Pradhan Mantri Awas Yojana.

Applying for PMAY under Other 3 Components Online

  • Visit the official PMAY website http://pmaymis.gov.in/
  • Click on “Citizen Assessment” and select “Benefit under Other 3 Components” from the options.
    PMAY Citizen Assessment Official website
    PMAY Citizen Assessment Official website
  • Enter your Aadhaar number and click submit
    PMAY Aadhaar Form
    PMAY Aadhaar Form
  • If the information’s you provided is correct, it will direct you to the next page and you will be asked to provide information’s which include name, income, no. Of family members, residential address, contact number, age of the head of the family, religion, caste.
  • Once all the information is provided, scroll down, type the captcha code in the box and click submit.

Applying for PMAY by the Slum Dwellers

  • Log on to the official website of PMAY http://pmaymis.gov.in/
  • Click on the “Citizen Assessment” and select “For Slum Dwellers” from the options.
    PMAY Slum Dweller Official website
    PMAY Slum Dweller Official website
  • Enter your Aadhaar number and click on submit.
    PMAY Aadhaar Form
    PMAY Aadhaar Form
  • If the information’s you provided is correct, it will direct you to the next page and you will be asked to provide information’s which include name, income, no. Of family members, residential address, contact number, age of the head of the family, religion, caste.
  • Once all the information is provided, scroll down, type the captcha code in the box and click submit.

Online Application for PMAY through Citizen Service Centre (CSC)

Follow the below steps to apply for PMAY online:

  • Visit the official website of Pradhan Mantri Awas Yojana (PMAY) of Common Service Centers (CSC) https://registration.csc.gov.in/pmay/
  • Click on the “Apply Here” link or directly visit https://registration.csc.gov.in/pmay/RegAuth.aspx
    PMAY Applying procedure Official Website
    PMAY Applying procedure Official Website
  • On this page, enter your Aadhaar number and select the monthly household income, check the declaration box and click “Next” for the next step.
    PMAY Aadhaar Verification
    PMAY Aadhaar Verification
  • In this step, you will be asked to select a verification method, choose one from the Iris (Eye scan), Fingerprint or One Time Password (OTP).
  • Now, check the declaration check box and click on “Generate OTP”. After receiving OTP on the Aadhaar registered mobile number, enter the OTP and click “Validate OTP” button.
  • An application form will be provided on the next page. Fill the required details properly and submit it.
  • Next Screen will show an application number or assessment ID which can be used to check the status of PMAY application

Note: Use IE8 or Mozilla Firefox as Google Chrome or Microsoft Edge Browser are not supported.

You can check the status of your application here http://pmaymis.gov.in/Track_Application_Status.aspx by entering your name, Father’s name and ID Type or by Assessment ID.

PMAY Application Status Tracking PMAY Application Status Tracking
PMAY Application Status Tracking

Pradhan Mantri Awas Yojna Eligibility – Check PMAY Eligibility Criteria & Details

In this article, we provide information about Pradhan Mantri Awas Yojna Eligibility. Pradhan Mantri Awas Yojana is a Government initiative with the aim of “Housing for All 2022”, launched on 25th June 2015 by the Honourable Prime Minister Shri Narendra Modi. PMAY is an effort to provide homes to the needy.

Pradhan Mantri Was Yojna Eligibility – PMAY Eligibility Criteria

Despite having made massive leaps in development over the last decade or so, India still has a large number of people living in abject poverty, most of whom don’t have a house to call their own. The Indian government took up a serious step towards abolishing homelessness with the introduction of Pradhan Mantri Awas Yojana. This project, which was previously known as Housing For All, will provide a roof to over 20 million urban poor people by the year 2022. In order to do so, the Ministry of Housing and Urban Poverty Alleviation has set a route map and has also made clear the eligibility criteria a prospective applicant need to meet.

Pradhan Mantri Awas Yojna Eligibility
Pradhan Mantri Awas Yojna Eligibility
Section Eligibility Details
Economically Weaker Section (EWS) People who earn an annual household income less than Rs.3 lakh come under the EWS category. However, an applicant claiming to be from EWS needs to provide relevant proof to the government to ascertain their claims.
Light Income Group (LIG) People that fall under LIG category usually have an annual household income ranging from Rs.3 lakh to 6 lakh. Again, to be eligible for consideration, they need to provide sufficient proof of their economic standing.
Medium Income Group (MIG1) Those who earn an annual household income below Rs.12 lakh fall under the MIG1 category. These people can avail loans of up to Rs.9 lakh for the construction of a residence.
Medium Income Group (MIG2) Individuals earning an annual household income between Rs.12 to Rs.18 lakh will fall under MIG2 of the PMAY scheme. These people can avail loans of up to Rs.12 lakh.
Minorities People hailing from minority groups like SC/ST/OBC will fall under minorities. To be considered under the PMAY scheme, these people need to meet to provide relevant caste and income certificates.
Women belonging to EWS/LIG categories will be considered if they apply under the PMAY scheme.

Schemes under Pradhan Mantri Awas Yojana (PMAY)

Currently, there are three schemes under which you can apply for Pradhan Mantri Awas Yojana (PMAY). They are as below.

  • EWS (Economically Weaker Sections)/LIG (Low Income Group)
  • CLSS (MIG-I)
  • CLSS (MIG-II)

Pradhan Mantri Awas Yojana Home Loan Scheme for LIG/EWS Category

For loan amount of Rs.3 lakh:

Amount of loan Rs.3 lakh
Loan amount eligible for the subsidy Rs.3 lakh
Balance loan Rs.1,66,360.00
Interest subsidy Rs.1,33,640.00
Initial EMI Rs.2,895
Reduced EMI after subsidy credit Rs.1,605
Savings on a monthly basis Rs.1,290
Savings on an annual basis Rs.15,480

For a loan amount of Rs.6 lakh:

Amount of loan Rs.6 lakh
Loan amount eligible for the subsidy Rs.6 lakh
Balance loan Rs.3,32,720.00
Interest subsidy Rs.2,67,280.00
Initial EMI Rs.5,790
Reduced EMI after subsidy credit Rs.3,211
Savings on a monthly basis Rs.2,579
Savings on an annual basis Rs.30,948

For a loan amount of Rs.10 lakh:

Amount of loan Rs.10 lakh
Loan amount eligible for the subsidy Rs.6 lakh
Balance loan Rs.7,32,720.00
Interest subsidy Rs.2,67,280.00
Initial EMI Rs.9,650
Reduced EMI after subsidy credit Rs.7,071
Savings on a monthly basis Rs.2,579
Savings on an annual basis Rs.30,948

Pradhan Mantri Awas Yojana Loan Scheme for MIG – 1

Income of the household per year Rs.12 lakh
Maximum tenure of the loan 20 years
Interest subsidy per year 4%
Eligible amount of loan for interest subsidy under CLSS (Credit Linked Subsidy Scheme) for MIG Rs.9 lakh
Maximum interest subsidy Rs.2.35 lakh
Rate of discount for NPV (Net Present Value) calculation of the interest subsidy 9%
Dwelling unit max carpet area 90 sq.mt
Monthly EMI (8.65%) with interest subsidy Rs.5,834
Monthly EMI (8.65%) without interest subsidy Rs.7,894

Pradhan Mantri Awas Yojana Loan Scheme for MIG – 2

Income of the household per year Rs.18 lakh
Maximum tenure of the loan 20 years
Interest subsidy per year 3%
Eligible amount of loan for interest subsidy under CLSS (Credit Linked Subsidy Scheme) for MIG Rs.12 lakh
Maximum interest subsidy Rs.2.3 lakh
Rate of discount for NPV (Net Present Value) calculation of the interest subsidy 9%
Dwelling unit max carpet area 110 sq.mt
Monthly EMI (8.65%) with interest subsidy Rs.8,059
Monthly EMI (8.65%) without interest subsidy Rs.10,528
Income of the household per year Rs.18 lakh
Maximum tenure of the loan 20 years
Interest subsidy per year 3%
Eligible amount of loan for interest subsidy under CLSS (Credit Linked Subsidy Scheme) for MIG Rs.12 lakh
Maximum interest subsidy Rs.2.3 lakh
Rate of discount for NPV (Net Present Value) calculation of the interest subsidy 9%
Dwelling unit max carpet area 110 sq.mt
Monthly EMI (8.65%) with interest subsidy Rs.8,059
Monthly EMI (8.65%) without interest subsidy Rs.10,528

PMAY Eligibility Criteria for Getting Subsidy

The Ministry of Housing and Urban Poverty Alleviation has enlisted the help of some leading banks in the country to provide loans for construction under PMAY. The banks offer loans at a comparatively lower rate as government pays the rest on behalf of the applicant. This model of subsidized loans help more economically weaker people to build a house.

HDFC Bank has partnered with the government to offer loans to people who have applied for PMAY scheme. Here’s what is looks like:

  • The applicant’s family must not own a house in any part of the country.
  • In the case of a married couple, either a single or a joint ownership deal is allowed, and both options will receive just one subsidy.
  • The applicant’s family must not have availed the benefit of any housing-related schemes set up by the Government of India.
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