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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
- 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.
- 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 - Enter your Aadhaar number and click submit
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 - Enter your Aadhaar number and click on submit.
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 - 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 - 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.
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
- 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।
- प्रधानमंत्री आयुष्मान भारत योजना के दायरे में गरीब, वंचित ग्रामीण परिवार और शहरी श्रमिकों की पेशेवर श्रेणियों को रखा गया है।
- आयुष्मान योजना में गांवों के 8.03 करोड़ और शहरों के 2.33 करोड़ परिवारों को शामिल किया गया है।
- 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।
- देश के करीब 10 हजार अस्पतालों में 2.5 लाख से ज्यादा बेड गरीबों के लिए रिजर्व रखे जाएंगे।
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
- 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.
- 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।
- 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।
- 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।
- 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 (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।
- सबसे पहले आयुष्मान भारत की ऑफिशियल वेबसाइट mera.pmjay.gov.in खोलें।
- होमपेज पर आपको अपना मोबाइल नंबर डालना होगा।
- अब आपके नंबर पर एक ओटीपी आएगा।
- इस वन टाइम पासवर्ड को वेबसाइट पर डालकर वेरीफाई करने के बाद एक पेज खुलेगा।
- जहां आप देख सकते हैं कि आप योजना में शामिल हैं या नहीं।
- 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।
- 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।
- अगर आयुष्मान भारत योजना से जुड़ी किसी भी प्रकार की जानकारी चाहिए तो सरकार द्वारा जारी किए गए हेल्पलाइन नंबर 14555 पर कॉल करें।
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।
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।
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 benefits cover of Rs. 5 lakh per family per year. PM JAY 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 (PM JAY) will be chosen.
Important Features of PM JAY
Pradhan Mantri Jan Arogya Yojana has its several benefits for the people of the country. The details regarding the salient features of PM JAY is available below.
- PM JAY 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.
- There will be no restriction on family size & age and the beneficiary will receive a defined transport allowance per hospitalization as well.
- The beneficiary can avail the cashless benefits under PM JAY Scheme in any Public or Empanelled Private hospitals across the country and get free treatment.
- All the pre-existing conditions will be recovered from Day 1 of the policy.
- The beneficiary need not pay money for treatment in case of hospitalization.
- Pradhan Mantri Jan Arogya Yojana automatically covers all the family members of the eligible beneficiary as per latest SECC database.
- 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.
- The beneficiary has to carry any Prescribed ID to receive treatment at the hospital.
Pradhan Mantri Jan Arogya Yojana (PM JAY) – 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 SEC database is eligible for PM JAY 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 PM JAY 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’
- Then click on the button and a new window will open asking for Mobile Number and OTP.
- After that fill your Mobile Number, Captcha Code & click on ‘Generate OTP’.
- 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.
- Then select the state where you are residing from the drop-down menu.
- Further, choose the category from the available options in the drop-down.
- 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 PM JAY 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 Excluded from PM JAY 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.
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
- Ragpicker
- Occupational Categories of Workers.
Automatically included
- Legally released bonded labor
- Primitive tribal groups
- Manual scavenger families
- Destitute/ living on alms
- Households without shelter
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.
| 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)
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 the government pays the rest on behalf of the applicant. This model of subsidized loans helps 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 it 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.
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 |
| The 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 |
| The 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 |
| The 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 the government pays the rest on behalf of the applicant. This model of subsidized loans helps 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.
Pradhan Mantri Awas Yojana (PMAY) Beneficiary list
Pradhan Mantri Awas Yojana (PMAY) is an initiative taken by Prime Minister Narendra Modi with an objective to provide financial assistance to Economically Weaker Section of the Society, Low Income Group (LIG) and Mid Income Group (MIG) for house purchase and construction purpose.
This scheme seeks to address the housing problem through the following broad programs:
- Slum rehabilitation
- Provision of Credit – linked subsidy for the weaker section
- Provision of affordable housing by collaborating with public and private sectors
- Beneficiary-led house construction or enhancement
Features of Pradhan Mantri Awas Yojana
- Priority will be given to senior citizens and differently abled while allotting house on the ground floor.
- Under this scheme, the house will be allotted in the name of the matriarch or in the name of jointly the male and female head of the family. Therefore, the applicants should mention the name of their mother or wife at the time of the registration.
- Government is taking a step towards creating an environmentally safe household as this scheme is taking up eco-friendly and environmental methods to build the house.
- The beneficiaries will be provided 6.5% interest subsidy on the housing loans, for 15 years.
Eligibility Criteria and Benefits for PMAY-U Beneficiaries
| Section | Eligibilty Criteria | Benefits |
| Economically Weak Section (EWS) | Annual Household Should be less than 3 lac Only Women or Women jointly with spouse can apply Applicant and Family should not own a pucca house anywhere in India |
6.5% Interest Subsidy on Home Loans upto Rs 6 Lac
Maximum Subsidy Provided will be Rs. 2,67,280
|
| Low Income Group (LIG) | Annual Household Should be in between 3 – 6 lac
Only Women or Women jointly with spouse can apply Applicant and Family should not own a pucca house anywhere in India |
6.5% Interest Subsidy on Home Loans upto Rs 6 Lac
Maximum Subsidy Provided will be Rs. 2,67,280
|
| Medium Income Group 1 | Annual Household Should be in between 6 – 12 lac
Applicant and Family should not own a pucca house anywhere in India Carpet Area of House for which loan is applied for should be less than 90 sq meter Loan should be approved on or after Jan 1st 2017 |
4% Interest Subsidy on Home Loans upto Rs 9 Lac
Maximum Subsidy Provided will be Rs. 2,35,000
|
| Medium Income Group 2 | Annual Household Should be in between 12 – 18 lac
Applicant and Family should not own a pucca house anywhere in India Carpet Area of House for which loan is applied for should be less than 110 sq meter Loan should be approved on or after Jan 1st 2017 |
3% Interest Subsidy on Home Loans upto Rs 12 Lac
Maximum Subsidy Provided will be Rs. 2,30,000
|
How to Check if you are in PMAY-U Beneficiary List
Follow the below steps to check your name in PMAY beneficiary list
- Visit the official website:http://pmaymis.gov.in/ of PMAY – U
- Look for “Search Beneficiary” option and click on “Search by Name” link in the options menu.
-
PMAY Govt Official website Beneficiary Search - Enter three letters of your name and click “show” button
PMAY search Beneficiary - After clicking the show button, a list of beneficiaries matching your name would be displayed on the screen along with survey code, fathers name, component name, city name and state name.
- You can view the complete details by clicking the beneficiary name and then entering your mobile number and verifying it with the OTP.
This social welfare program by the Government is aimed at providing shelter for all by 2022. However, the main focus will be on people who belong to the EWS and LIS categories.