Pradhan Mantri Awas Yojana - Pmay Scheme

The Pradhan Mantri Awas Yojana (PMAY) is a flagship scheme launched by the Government of India in 2015 with the objective of providing affordable housing to the urban poor. The scheme aims to provide assistance to Economically Weaker Sections (EWS), Low Income Groups (LIG), and Middle Income Groups (MIG) to own a house by 2022.

PMAY provides credit-linked subsidy scheme (CLSS) under which beneficiaries can avail interest subsidy on home loans. The subsidy amount is based on the income category of the beneficiary, and the maximum subsidy available is up to Rs. 2.67 lakh.

The beneficiaries can construct houses themselves or hire a contractor, and the scheme is implemented by the Ministry of Housing and Urban Affairs. As of March 2023, more than 1.12 crore houses have been sanctioned, out of which 80 lakh houses have been completed, and over 45 lakh families have already taken possession of their houses.

Here is a list of documents required to apply for Pradhan Mantri Awas Yojana (PMAY):

• Identity proof (Aadhaar card, voter ID card, PAN card, etc.)
  
• Address proof (Aadhaar card, voter ID card, utility bills, etc.)
  
• Income proof (salary slips, income tax returns, Form 16, etc.)
  
• Property papers (if applicable)
  
• Bank account statement for the last 6 months
  
• Passport size photographs
  
• Self-declaration of family income (for EWS and LIG)
  
• Affidavit for not owning a pucca house (for EWS and LIG)
  
• Copy of the agreement with the builder (for MIG)
  
• NOC from the housing society or authority (for MIG)

To apply for the Pradhan Mantri Awas Yojana 2023 online, follow these steps:

• Visit the official website of PMAY (Pradhan Mantri Awas Yojana) by clicking on the given link.
  
• On the homepage, click on the "Citizen Assessment" option from the menu.
  
• Choose the appropriate option - either "Slum Dwellers" or "Benefits Under 3 Components" based on your eligibility.
  
• Fill in the online application form with all the required information.
  
• Enter your 12-digit Aadhaar card number and verify your name as per Aadhaar card by clicking on the "Check" option.
  
• Fill in the information asked in the online application form, such as the name of the head of the family, district and state, age, present address, mobile number, caste, Aadhaar
• number, and city or village name, etc.
  
• Review the information entered and click on the "Submit" button.
  
• depending on the category of the applicant and the type of assistance applied for. Therefore, it is recommended to check the official website of PMAY for the latest and accurate information.