How to Apply for Pradhan Mantri Awas Yojana?

Pradhan Mantri Awas Yojana functions on the idea of housing for all. Thereby the benefits of the scheme can be availed by people from different cities and towns. The scheme, however, is specifically designed for income earners below RS 18 lakhs per annum. These are the EWS, LIG, MIG-1 and MIG-2 category home loan applicants. Though the PMAY subsidy is helping many people fulfil their housing dreams, not many are aware of the application process for PMAY. Thus, the article elaborates upon how to apply for the Pradhan Mantri Awas Yojana.

Though the scheme is designed for all income groups below Rs 18 lakhs, yet the application process is different for the category ‘3 components’ and the ‘slum dwellers’. The three components cover the categories listed above that is the EWS, LIG and the MIG categories, while the slum dweller application process is for people based out of slums, where 60 to 70 families live in an area covered with the poor residence that lack infrastructures like water, electricity and sanitation. Out of the different schemes IAY is considered to be one of the best option.

PMAY subsidy application process for three components category:

• Visit the Pradhan Mantri Awas Yojana official portal and log in to the portal using the user name, password and the visible captcha code.
• After logging in, choose the category ‘under three components’ under the dropdown menu of ‘citizen assessment’ option.
• For verification, enter the aadhar number and click on the ‘submit’ option.
• After the information is correctly verified, proceed by filling in the required information such as the applicant’s name, details of the family members, address of residence, contact number, the caste of the applicant, and name of the head of the family.
• Further, after entering all the information, enter the captcha code and press ‘submit’ and check in on the terms and conditions of the PMAY subsidy.

PMAY subsidy application process for slum dwellers:

The online application process for slum dwellers is slightly different as you need to choose ‘slum dweller’ instead of the ‘three category component’ from the three components category. It is listed as follows:

• • Visit the Pradhan Mantri Awas Yojana official portal and log in to the portal with your username, password and the captcha code visible below.
  • After logging in, choose the option ‘Slum dwellers’ from the dropdown menu of the ‘Citizen assessment’ option.
  • Further, proceed by entering your aadhar number and click on the ‘submit’ button.
  • After entering the correct details, proceed by entering your details like name, age of the members of the family, address of the current residence, active phone number, caste, and religion.
  • If the information entered is correct, enter the captcha code, check on the PMAY terms and conditions and choose the option, Submit.

Thus, on a concluding note, the PMAY application process is simple and set, keeping in mind the accessibility of the PMAY applicants. However, to apply for a loan process, it is better to check the eligibility and documentation process before-handedly. Also, ensure being ware with the repayment terms.

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Summary:

The PMAY subsidy is designed to promote the housing infrastructure amongst different income groups. These income groups that are suited for the PMAY subsidy, are income groups that earn an annual income below Rs 18 lakhs.these are EWS, LIG and the MIG-1 and MIG-2 category. However, not many amongst these income groups are ware of the process to apply for a PMAY subsidy. It is listed as follows:

 PMAY subsidy application process for MIG, LIG and EWS:

• Go to the official portal for Pradhan Mantri Awas Yojana and log in with the details like the user name, password and captcha code.
• As you log in, choose the category of the applicant from the heading ‘under three components’ that appears on the dropdown menu of ‘citizen assessment’ option.
• Proceed for verification and enter the aadhar number and click on the option ‘submit.’
• As the information is verified, fill the required information such as the PMAY applicant’s name, details of the family, residential address, active contact number of the applicant, the applicant’s caste, and the head of the family’s name.
• Further, enter the captcha code and press on the ‘submit’ button and check right on the terms and conditions of the PMAY subsidy.

PMAY subsidy application process for slum dwellers:

• Go to the official portal of the Pradhan Mantri Awas Yojana and log in on the portal with the registered username, password and the captcha code shown below.
• Log in and choose the option ‘Slum dwellers’ that appears on the dropdown menu of the ‘Citizen assessment’ option.
• Proceed further by entering your aadhar number and click on the ‘submit’ button that appears on the screen.
• Ensure entering the correct details, and proceed by entering the required details like name, age of the family members, current residential address, activated phone number, caste, and religion of the applicant.
• After entering the correct information, put in the visible captcha code, check-in right on the PMAY terms and conditions and choose the option, Submit for the final submission.

Thus, the PMAY process is convenient and accessible to the eligible PMAY applicants. Therefore being aware of these is a must for a hassle-free home loan process.