PM Awas Yojana:Pradhan Mantri Awas Yojana (PMAY) is an important scheme of the Government of India, which aims to provide permanent housing to all the poor and economically weaker families of the country. Under this scheme, the government has set a target of providing houses to 10 lakh people in 2025, which will help them get safe and permanent housing. This scheme is being implemented not only in urban but also in rural areas so that people of all sections can benefit.
Through this scheme, the government has introduced the Credit Linked Subsidy Scheme (CLSS), in which beneficiaries are given interest subsidies on home loans. This subsidy is 6.5% for EWS (economically weaker section) and LIG (low-income group), while for MIG-I and MIG-II it is 4% and 3% respectively. Under this scheme, houses are constructed using eco-friendly technology, and Divyang and the elderly are given priority in ground-floor housing.
PM Awas Yojana: Detailed information about Pradhan Mantri Awas Yojana (PMAY)
2025 PM Awas Yojana
Speciality
Description
Name of the scheme
Prime Minister Housing Scheme (PMAY)
Objective
Providing permanent housing to the poor
Goal
To provide housing to 10 lakh people by 2025
Interest Subsidy
EWS/LIG: 6.5%, MIG-I: 4%, MIG-II: 3%
Housing Area
PMAY-U: 30-200 sq.m., PMAY-G: 25 sq.m.
Financial Aid
PMAY-G: ₹1.20 lakh in plain areas, ₹1.30 lakh in hilly areas
Important Documents
Aadhar Card, PAN Card, Income Certificate
PM Awas Yojana: Eligibility Criteria
To be eligible for this scheme, the applicant must be an Indian citizen and should not already have a pucca house in his or her name or in the name of any of his family members. The annual income of the applicant should also be within the prescribed limit, such as ₹3 lakh for EWS, ₹3-6 lakh for LIG, ₹6-12 lakh for MIG-I and ₹12-18 lakh for MIG-II. Also, the applicant should not be availing the benefit of any other government scheme.
To apply, you can apply either online or offline . For online application, you need to visit the official website of Pradhan Mantri Awas Yojana and fill in the required information. For offline application, you can visit any authorized bank branch.
Pradhan Mantri Awas Yojana Gramin (PMAY-G) aims to provide permanent housing to the people of economically weaker sections in rural areas. Under this scheme, beneficiaries are given financial assistance of ₹ 1.20 lakh in plain areas and ₹ 1.30 lakh in hilly areas . Apart from this, additional assistance of ₹ 12,000 is also given for toilet construction .
Pradhan Mantri Awas Yojana (Urban) – PMAY-U
Pradhan Mantri Awas Yojana Urban (PMAY-U) aims to provide permanent housing to poor and middle class people in urban areas. Under this scheme, beneficiaries are given interest subsidy on home loans through Credit Linked Subsidy Scheme (CLSS) . This subsidy is 6.5% for EWS and LIG , while for MIG-I and MIG-II it is 4% and 3% respectively.
Benefits of Housing Scheme
Permanent Housing: Through this scheme, poor and economically weaker families are helped in getting permanent housing.
Interest Subsidy: Beneficiaries are given interest subsidies on home loans, which provides them financial relief.
Women Empowerment : Ownership of houses is given in the name of the woman or in the joint name of husband and wife, thereby empowering women.
Basic amenities: Basic amenities like toilets, electricity, water,r, etc. are also provided in the houses.
Pradhan Mantri Awas Yojana is an important step that helps in providing permanent housing to poor and economically weaker families. Through this scheme, the government has not only solved the housing problem but also promoted women’s empowerment and basic amenities. If you are eligible for this scheme, then apply quickly and build your dream home.
