Pradhan Mantri Awas Yojana (PMAY) 2019-20 – Karnataka

What is PMAY?
One of the most enthusiastic housing projects originated by the central government in 2015 – Pradhan Mantri Awas Yojana (PMAY) aims to approach the demand-supply in equanimity, give a pucca house to each household of the country and improve enduring slums with the cooperation from the private sector. PMAY intends to produce approximately 6 crores budget houses in both urban and rural neighborhoods across the country by the end of 2022.

PMAY is a scheme by the Indian government which provides affordable housing choices for those belonging to lower-income groups (LIG) and economically weaker sections (EWS). Originally, the housing scheme was elongated only for LIG and EWS divisions in urban centers. But, it has now been extended to the middle-income group (MIG) as well.
There are two divisions of the housing scheme – PMAY (Gramin) and PMAY (Urban). Under PMAY (Gramin), the Government had established a target of revealing an entirety of four crores pucca houses in rural regions across the country. In urban centers, the Centre will emerge two crores budget houses under PMAY (Urban).
 How To Apply For Pradhan Mantri Awas Yojana or PMAY In Karnataka
In Karnataka, the Pradhan Mantri Awas Yojana or PMAY is executed in all the municipalities. It is extremely beneficial for urban teens who are conspiring to buy their first residence. The project is executed through the Directorate of Municipal Administration. Let us discover how to appeal for PMAY or Pradhan Mantri Awas Yojana (Karnataka). The administration method includes specifications for the dwellers of tenements, rural, urban or semi-urban.

Details to contact PMAY

·         PMAY Office Address: RAAS Housing Finance (India) Limited, 1249, Aruna
Asaf Ali Marg, Vasant Kunj, New Delhi-110070
·         Customer Care Toll-Free: 1800-11-5050
·         Phone Number: +91 95997 89921
·         Email: info.pradhanmantriawasyojna@gmail.com
·         Website: www.pradhanmantriawasyojna.com

Pradhan Mantri Awas Yojana – A Summary
Pradhan Mantri Awas Yojana which commenced with the purpose of implementing a residence to all is one of the energetic systems of the central government. This has been organized in 2015 and mapping to finish all its actions by 2022. This scheme will produce support to several Union Territories and states either through Urban Local Bodies or through other executing actions for the implementation of PMAY.

The Urban Poverty Alleviation Ministry of Housing originated this design with the purpose of assuring that all the families get a roof. In Karnataka also this plan is executed.  Affordable houses for all by 2022 is the principal purpose of the Pradhan Mantri Aawas Yojana.
The PMAY program directs at implementing houses for women, economically underdeveloped groups, SCs and STs.  Now it has been also enlarged to disadvantaged segments like Transgender, Widows, and people of the lower-income groups, physically incapacitated and the municipal pool.
The house will be assembled in separate participation and affordable housing will be administered to the poor with the cooperation of individual associates. Beneficiaries will obtain a credit-linked grant supporting this scheme.
Key points of Pradhan Mantri Awas Yojana In Karnataka

·         Economical weaker section with year-long revenue up to Rs. 3Lakhs can benefit
·         a family that includes wife, husband and unmarried children will be the recipients. The family should not maintain a pucca home either in their name or in the name of anyone in their family.
·         while assigning the ground floors following the Pradhan Mantri Awas Yojana, the decision will be provided to the superior and individually able persons.
·         The house will accommodate a 30 square meter carpet area with a basic civic foundation.
·         The houses must have washroom equipment.
·         Construction work should adhere to the national building code and authority of Indian Standards codes.
·         A sum of 6.5 % interest subvention on housing loans will be implemented for 15 years to the beneficiaries.
·         Constructed houses will be in the handle of the female head of the household. Or, should be in the collective title of the male commander of the household and his wife.
PMAY In Karnataka– Who Can Avail?
Usually, favorites should be proffered to Manual Scavengers, Women (with overriding preference to widows), Minorities, Persons, Scheduled Castes/Scheduled Tribes/Other Backward Classes with disqualifications and Transgender.
The central Government will deliver the entire amount to the state government.  but as per the standards, the State Government should deliver financial assistance to the grantees in payments.

Based on the development of the construction of the house, the amount should be delivered in installments. Beneficiaries can begin the construction utilizing any other fund or their own funds. Government funds will be symmetry to the construction. The final installment of the government fund, INR 30,000/- should be issued only after the end of the house.
Steps Apply For Pradhan Mantri Awas Yojana In Karnataka
With the union finance minister Nirmala Sitharaman lengthening the income tax advantage for the middle class who requires to buy/ construct a house, the Pradhan Mantri Awas Yojana is displaying very famous in Karnataka.
Here is the application procedure for slum residents and others.
Step 1 – Visit the website http://pmaymis.gov.in/ link to apply for the housing scheme.
Step 2– Click on the `Citizen Assessment’ choice implemented on the page.
Note – Here if the candidate is a slum resident then he has to match on `For Slum dwellers’.  If
the application relates to the urban, rural or semi-urban locality then he has to match on the
second option provided in this list `Benefit under the other three components’
Step 3 – type adequate Aadhaar number and your name as discussed in the Aadhaar card. After
recording a substantial Aadhaar number you enter the application form.
Step 4 – In application register your personal details like name, address, size of the existing
dwelling unit, details of the family members, mobile number, and average annual income.
Step 5 – Implement a legitimate ID proof like passport, pan card, ration card, bank passbook
Details voter ID of the bank account like name of the bank, branch, account number, etc.,
Step 6 – Present the aspects of all the members of the household and their relation with the
head, age, Aadhaar number, different ID numbers, etc.
Note – The applicant should specify whether he is demanding for a new house or the improvement of the ancient house in the statement.
Step 7 – After registering all these features applicant has to click on the warning note or disclaimer. Then he should specify the captcha code represented on the screen. Then he has to protect the application.
If she/he requires to execute any modifications then in the corresponding link he can pick the`Edit assessment form’ to execute the required changes.  She/he can practice a printout also. Through applying assessment ID he can trace the situation or status of his application.
Pointers to Know for Applying For PMAY In Karnataka.
If you are applying under `benefit beneath the other three segments’ then you should choose one element among the other three elements specified in the list.

·    Here an appellant will get credit linked subsidy for the loan.
·         Affordable housing in partnership – Houses will be assembled under private and public partnerships.
·         Beneficiary lead construction or intensification – Amount will be issued to build a house for an applicant in his own land.
Eligibility for Pradhan Mantri Awas Yojana In Karnataka

·         Applicant’s family should be financially and socially behind
·         Candidates should not have a pucca house either in his/her name or in the title of any family member across the Country.
·         The recipient of the family will include husband, wife and unmarried children.
·         Candidates can endure their own land/site.
·         An Applicant should not obtain a residential facility from any other system.

Household Income

·         0-25,000 per month: any component can be chosen
·         25,001-50000 per month: subsidy 6.5% for loans till Rs 6 lakh.
·         50,001 to 100,000 per month – Interest subsidy @ 4% on home loans till Rs 9 lakh
·         iv. 1,00,001-1,50,000 per month – 3% on home loans up to Rs 12 lakh