Pradhan Mantri Awas Yojana (Urban) Mission launched on 25th June 2015 which intends to provide housing for all in urban areas by year 2022. The Mission provides Central Assistance to the implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all eligible families/ beneficiaries against the validated demand for houses for about 1.12 cr. As per PMAY(U) guidelines, the size of a house for Economically Weaker Section (EWS) could be upto 30 sq. mt. carpet area, however States/UTs have the flexibility to enhance the size of houses in consultation and approval of the Ministry.
Key Features of PMAY-U
- Objective: Provide affordable housing to urban poor by 2024.
- Target Groups: Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG).
- Subsidy: Interest subsidy on housing loans under the Credit Linked Subsidy Scheme (CLSS).
- Components:
- In-situ Slum Redevelopment (ISSR): Rehabilitate slum dwellers.
- Affordable Housing in Partnership (AHP): Collaborate with private and public sectors to build affordable housing.
- Beneficiary-Led Construction (BLC): Assistance to individuals to construct or enhance their own house.
- Credit Linked Subsidy Scheme (CLSS): Subsidy on housing loan interest rates for eligible groups.
- Focus on Women: Ownership or co-ownership by women is mandatory in most cases.
- Eco-Friendly Housing: Promotes green technologies and sustainable construction practices.
Benefits of PMAY-U
- Interest Subsidy: Up to 6.5% interest subsidy for eligible beneficiaries under CLSS.
- Affordable Housing: Availability of houses at subsidized rates.
- Women Empowerment: Encourages women ownership in urban housing.
- Inclusive Development: Benefits people with disabilities, senior citizens, and marginalized groups.
- Enhanced Livability: Promotes access to essential services such as water, sanitation, and electricity.
Eligibility Criteria
- For EWS/LIG:
- Annual household income up to ₹3 lakh (EWS) and ₹3-6 lakh (LIG).
- No pucca house in the name of the applicant or any family member.
- For MIG:
- Annual household income between ₹6-12 lakh (MIG-I) and ₹12-18 lakh (MIG-II).
- Housing loans taken after June 17, 2015 (MIG-I) and January 1, 2017 (MIG-II).
Ineligibility
- Individuals who already own a pucca house.
- Non-residents of urban areas.
- Individuals who have availed of other housing schemes by the government.
How to Apply for PMAY-U
- Online Application:
- Visit the official website: https://pmaymis.gov.in.
- Click on “Citizen Assessment” under the “Benefits under other 3 Components” section.
- Enter Aadhaar details and verify.
- Fill out the form with personal, income, and contact details.
- Submit the application and save the acknowledgment number.
- Through Common Service Centers (CSCs):
- Visit the nearest CSC with Aadhaar and income proof.
- Fill out the application with the help of the CSC operator.
- Pay a nominal fee for application submission.
- Banks and Housing Finance Companies (HFCs):
- Apply for CLSS directly through empaneled banks and HFCs.
Required Documents
- Aadhaar card.
- Income certificate.
- Proof of residence (electricity bill, water bill, etc.).
- Bank account details.
- Proof of belonging to a specific category (SC/ST/OBC, etc.), if applicable.
Important Links
- Official Website: https://pmaymis.gov.in
- CLSS Tracker: https://pmayuclap.gov.in
- FAQs and Support: https://pmaymis.gov.in/FAQ.aspx
Frequently Asked Questions (FAQ)
1. What is the deadline for PMAY-U?
The mission aims to achieve “Housing for All” by 2024.
2. Can I apply if I own a plot of land?
Yes, you can apply under the Beneficiary-Led Construction (BLC) component to construct a house on your plot.
3. What is the maximum loan tenure under CLSS?
The maximum loan tenure is 20 years.
4. Is Aadhaar mandatory for application?
Yes, Aadhaar is mandatory for identity verification.
5. Can senior citizens and differently-abled individuals get special benefits?
Yes, they are given preference for ground-floor housing under PMAY-U.
