All You Need To Know About PMAY-HFA(Urban/Rural))

About Pradhan Mantri Awas Yojana (PMAY):

Pradhan Mantri Awas Yojana is a govt initiated scheme in India which intends to give affordable housing for the weaker sections to assure “Housing for all by 2022’’. Begun on 25th June 2015, PMAY aims to build 2 crore houses in a phased manner through the financial assistance of Rs 2 trillion from central government across the country for the urban poor by 31st March 2022 before the nation celebrates its 75th independence.

The Central Govt, in cooperation with real estate builders, visualises the creation of affordable homes by eco-friendly techniques in selected cities of India. The last date for applying under PMAY Scheme and to get subsidy benefit on Home Loan is 31st March 2022 but the last date for the MIG (1 & 2) categories under Credit Linked Subsidy Scheme (CLSS) was 31st March 2019.

Depending on the areas that it provides, this Housing Scheme has two components – Urban (U) and Gramin (G).

This scheme is converged with other schemes to make sure that every house has toilets, electricity connection under Saubhagya Yojana, LPG Gas connection under Ujjwala Yojana, drinking water, and Pradhan Mantri Jan Dhan Yojana banking facilities, etc.

Under the PMAY scheme, there is a Credit-Linked Subsidy Scheme on home loans for properties in the urban areas pertaining to Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group 1 & 2 (MIG). It can be utilized for new as well as for the resale buying of a home, construction, or for expansion or renovation of rooms, kitchen, toilet, etc.

This ambitious project has 4-components namely, In-situ Slum Redevelopment with private sector participation using the land as a resource, affordable housing through the Credit Linked Subsidy Scheme (CLSS), affordable housing in partnership with private and public sector and beneficiary led house construction. Under these components, central assistance will be in the range of Rs 1 lakh to Rs 2.30 lakh

PMAY is an effort by the government to encourage buying in the real estate sector, and this cost of housing development will be shared between the Central and State Government in the following directions:

• 64:40 for plain regions
• 90:10 for North-Eastern and hilly areas

PMAY Features:

The features of Pradhan Mantri Awas Yojana are that the government will provide an interest subsidy of 6.5% for EWS and LIG, 4% for MIG-1 and 3% for MIG-II on housing loan availed by the beneficiaries for a period of 20 years under Credit Linked Subsidy Scheme (CLSS) from the start of a loan.

The house under Pradhan Mantri Awas Yojana would be constructed through a technology that is eco-friendly while allotting ground floors in any housing scheme under PMAY.

Preference will be given to differently-abled and senior citizens.

1. Pradhan Mantri Awas Yojana Urban (PMAY-U)

Presently, the Pradhan Mantri Awas Yojana Urban (PMAY-U) has around 4,331 such towns and cities under this scheme. It also involves urban development authority, special area development authority, industrial development authority, development area, notified planning, and every other authority which is responsible for urban planning and regulations.

As per the Ministry of Housing and Urban Affairs data, the pace of progress of PMAY-U in all states and union territories, as of 1st July 2019 are as follows:

• Approved houses – 83.63 Lakh
• Completed houses – 26.08 Lakh
• Occupied houses – 23.97 Lakh

According to the same data, the total amount estimated to be funded is Rs. 4,95,838 crore out of which, Rs. 51,414.5 crore of funds have already been distributed.

2. Pradhan Mantri Awas Yojana Gramin (PMAY-G)

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) was earlier called the Indira Awas Yojana and it was renamed in March 2016. It is aimed at improving the convenience and affordability of housing for all of rural India with the exclusions of Delhi and Chandigarh.

The goal is to grant financial support to the homeless and those living in old and dilapidated houses to help them in building the construction of pucca houses. Beneficiaries living in lowlands can get up to Rs. 1.2 Lakh and those in North-Eastern, hilly areas, Integrated Action Plan (IAP), and difficult areas can benefit up to Rs. 1.3 Lakh as a result of this housing goal.

Currently, as per data available from the Ministry of Rural Development, 1, 03,01,107 houses have been approved in all states and UTs.

PMAY FAQs:

What are the eligibility criteria under Pradhan Mantri Awas Yojana?

The eligibility criteria will depend on the income group you fall in.

Note:- For EWS and LIG, it is compulsory for a female to be the property owner. In some exceptional cases, the bank may inform you. Also, the applicant or its dependants should be a first time home buyer and should not own a pucca house at the time of benefiting the scheme.

Apart from that, there is some necessary condition an applicant has to match. For example, if the beneficiary has a family, it must include a husband, wife, and unmarried children. Also, no person from the family should own a house in their name.

•  The applicant’s family must not own a house in any part of the country.
•  In the case of a married couple, either a single or a joint ownership sale is allowed, and both options will get just one subsidy.
•  The applicant’s family must not have availed the benefit of any housing-related schemes established by the Government of India.
•  GST Rate of 18% appropriate for all financial services valid from July 1, 2017.

What are the benefits and subsidy offered under PMAY?

Note: Home loans under the Credit Linked Subsidy Scheme (CLSS) have a maximum period of 20 years. The net present value (NPV) is estimated at a discounted rate of 9% of the interest subsidy.

How many phases are coming under PMAY scheme?

The scheme will progress in the following 3-phases:

• PMAY Phase 1 from April 2015 to March 2017 and will cover 100 cities
• PMAY Phase 2 from April 2017 to March 2019 to cover 200 additional cities.
• PMAY Phase 3 from April 2019 to March 2022 to cover the remaining cities.

How will govt identify the beneficiaries under PMAY?

Beneficiaries of this PMAY scheme will be identified as per data available from the Socio-Economic and Caste Census (SECC) and include –

• Scheduled castes and scheduled tribes.
• Non-SC/ST and minorities under BPL.
• Freed bonded laborers.
• Next of family and widows of paramilitary forces and individuals killed in action, ex-servicemen, and those under a retirement scheme.

Who all are the beneficiary under PMAY?

• A beneficiary family will include husband, wife, unmarried sons and/or unmarried daughters.
• The beneficiary family should not hold a pucca house both in his/her name or in the name of any member of his/her family in any part of India.
• An adult earning member (irrespective of marital status) can be treated as a separate family.

Is this rate applicable only for first-time homebuyers?

Yes, this rate is applicable only for first-time pucca home buyers as per PMAY criteria.

How will my loan eligibility be estimated?

The loan eligibility of the applicant will be estimated based on internal guidelines and processes of the bank as revised from time to time.

As per the existing demand, the borrower will be needed to submit income proof documents such as salary slip, ITR, bank statement, existing loan details, etc. for the purpose of eligibility estimation.

How to calculate EMI on Home Loan under PMAY?

Pradhan Mantri Awas Yojana (PMAY) scheme intends to simplify the process of buying a home for the urban poor and weaker sections of society through EMIs at reduced rates of interest. The rate of interest is relatively much lesser than commercial rates, hence, giving people subsidized loans.

To calculate the EMI under PMAY log on to the PMAY website and fill up the following details:http://pmaymis.gov.in/EMI_Calculator.aspx

•  The total loan amount in rupees – 10,00,000
• The rate of interest – 9%
• The total loan period in months – 216 (18 years)

Once the following details are filled out, click on the ‘Calculate’ option. This will present to you the monthly instalment or EMI payable in rupees for a tenure of 18 years.

How to Download Pradhan Mantri Awas Yojana 2019 Application Form?

To download PMAY 2019 application form, follow these simple steps:

1. Log on to the Pradhan Mantri Awas Yojana website: pmaymis.gov.in
2. Follow the steps placed above and obtain the application form by one of the two ways mentioned above
3. Click on the “print” option

What are the key benefits of the Pradhan Mantri Awas Yojana (PMAY )Online Application Form 2019?

There are several benefits to applying for PMAY 2019 online. Below are the benefits:

•  The online application is easy to fill and it provides an applicants a hassle-free user expertise
•  Once the applicant has successfully submitted the application, it can be easily traced online. This will help the applicants track the status of their application

How to fill up PMAY 2019 application form online?

Here are the few guidelines before filling up online application form:

•  It is always advisable to check the eligibility under PMAY . It gives you hint whether you are applicable for this scheme or not.
• To figure out this, log on to the PMAY website and check the PMAY beneficiary list.
• Only those with an Aadhaar Card No can apply for this scheme
• All bank and income-related details (salary slips of previous month) have to be kept ready to apply for this scheme
• If you pay Income tax, keep your last 3-years ITR copy ready

How to apply for the PMAY 2019 scheme online?

To apply for PMAY Scheme online, follow these simple steps:

1.  Log on to the PMAY website pmaymis.gov.in
2. Choose the ‘Citizen Assessment’ option and click on the appropriate choice: “For Slum Dwellers” or “Benefits under other 3 components”.
3. Enter your “Aadhaar Card” details
4. This will redirect you to the application page, where you will have to fill out all the details correctly.
5. The details to be filled out include name, contact number, other personal details, bank account, and income details, among others.
6. Once this is completed, choose the ‘Save’ option and enter the Captcha.
7. Then, click on the ‘Save’ button. The application is now complete and you can take a  print out at this stage.

How to apply for the PMAY 2019 scheme offline?

While individuals can apply for the PMAY scheme online using the steps stated above, they can also apply for it offline.

For applying offline under PMAY, you need to visit a Common Service Centre (CSC) made available by the state and union territory governments. There, you require to fill up and submit the application form given by the officials after paying Rs.25 plus GST.

It needs to be discussed here that no private entity/persons have been approved by the Ministry of Housing and Urban Affairs (MOHUA) to obtain or raise this fee from any beneficiary under this scheme. If you have any further explanations, you can call or write to:

Raj Kumar Gautam

Director (HFA-5)

Ministry of Housing and Urban Affairs (MOHUA)

Room No-118, G-Wing

NBO Building

Nirman Bhawan

New Delhi – 110011

Telephone No: 011-23060484/011-23063285

Mail-Id: public.grievance2022@gmail.com/ pmaymis-mhupa@gov.in

How slum dwellers can apply for PMAY 2019 Online?

As the PMAY website uses a unified platform, the slum dwellers require to use the same application to apply for a house under PMAY. While all the steps mentioned above will be followed, there’s a small change you should know:

1. Log on to the PMAY official website at pmaymis.gov.in
2. Choose the ‘For Slum Dwellers’ option in the ‘Citizen Assessment’ dropdown menu.
3. Enter your Aadhaar Card Number and click ‘Submit’. (It will authenticate your Aadhar Card details).

If the information furnished is correct, you will be heading to the next page where you will have to give all the relevant information regarding your name, income, no. of family members, residential address, contact number, age of the head of the family, religion, caste and so on.

Once all the information is given, scroll down, type the ‘Captcha Code’ in the box and click ‘Submit’.

Application/Registration Process of PMAY 2019 Categories wise:

What are the documents required for availing PMAY 2019 facilities?

Documents required for availing PMAY 2019 facilities include:

•  Aadhar Card
• Salary slip or Certificate & past 6 month bank statement for salaried applicants
• KYC Documents & Photograph
• Customer declaration undertaking
• Self-certificate/affidavit as proof of income
• Income Tax Returns of the last 3-years and bank statement for self-employed applicants
• Additional Application form

How to get the subsidy under PMAY?

•  Apply for a home loan from a principal lending institution if you are looking for a subsidy.
• If qualified for the subsidy, your application will be sent to the Central Nodal Agency (CNA).
• If it’s approved, the CNA will dispense the subsidy amount to the bank.
• This will be credited to your account, hence, decreasing the total loan amount.
• For example, if your annual income is Rs 7 lakh and the loan amount is Rs 9 lakh, the subsidy will be Rs 2.35 lakh.
• When this is subtracted, the loan amount decreased by Rs 2.35 lakh

How to check PMAY 2019 application status online?

Those who have applied for this scheme can check the status of the form and take a printout of the application. There are two ways to check or track the PMAY application status:

1. With Assessment ID
2. By entering other personal details such as Name, Father’s Name, and Mobile No

An easy procedure to check the PMAY 2019 application status with Assessment ID:

1.  Log on to the Pradhan Mantri Awas Yojana website: http://pmaymis.gov.in/Track_Application_Status.aspx or go to the ‘Citizen Application’ option and then choose the ‘Check Status’ button.
2.  When you click the track button, there will be two options displayed: “By Name, Father’s Name & Mobile No” and “By Assessment ID“.
3.  Choose the “By Assessment ID”.
4.  Enter the Assessment ID & Mobile Number that was shared with you when the form was filled and submitted.
5.  After filling up details, click on the ‘Submit’ button.
6.  The user will soon know the stage at which his/her application is

An easy procedure to Check the Application Status of PMAY Scheme with Name, Father’s Name & Mobile No:

1. Log on to the Pradhan Mantri Awas Yojana website (pmaymis.gov.in) and go to the ‘Citizen Application’ option and then choose the ‘Check Status’ button.
2.  After clicking on the “know your status” button, choose the ‘Name, Father’s Name & Mobile No’ option
3.  Once this is completed, give the State, District and City details
4.  The next step is to fill in the Name, Father’s Name and Mobile Number
5.  Once this completed, Click ‘Submit’
6.  The status can be seen now

How to check your name in PMAY 2019 Beneficiary List?

Those eligible for the scheme can check their name in the Pradhan Mantri Awas Yojana list as per the below instructions:

1. Visit the PMAY official website (pmaymis.gov.in).
2. Click “Search Beneficiary”.
3. Enter the Aadhaar Card Number.
4. Click “Show”.

How to edit your details after submitting an application for PMAY?

Follow these simple and easy steps to edit your application under PMAY:

1.  Visit the official website of Pradhan Mantri Awas Yojana (pmaymis.gov.in)
2. Enter your application reference number and your Aadhaar details
3. Click on the “Edit” option
4. You will now be permitted to edit your application details

Is Pradhan Mantri Yojana available to existing home loan borrowers?

Yes, existing home loan borrowers are eligible for this scheme. They will have to fulfil all the relevant eligibility criteria as per PMAY.

Is there any Toll-Free Helpline Number for PMAY Scheme related queries?

In case of any doubts relating to the application process, interest rates, and any other scheme related inquiries, customers can contact the toll-free helpline number:

•  1800-11-6163 (Urban, HUDCO)
• 1800-11-3388 (Urban, NHB)
• 1800-11-3377 (Urban, NHB)
• 1800-11-6446 (Gramin)

If any applicant facing any issues related to the application process can reach the above toll-free numbers according to their locations.

What is the current status of PMAY city-wise?

PMAY (U) 2019 – The complete list of houses that have been completed Y-o-Y:

States/UT	Houses Completed Under PMAY Year on Year
	Before 2013-14	2014-15	2015-16	2016-17	2017-18	2018-19	Total
Maharashtra	12,409	17,481	37,590	1,91,974	98,897	24,944	3,83,295
Gujarat	3,143	1,169	1,574	93,548	70,170	0	1,69,604
Madhya Pradesh	14,662	6,530	10,024	4,16,629	3,77,898	5,01,888	13,27,631
Karnataka	3,297	4,560	14,075	40,091	34,492	0	96,515
Telangana	0	0	0	0	0	0	0
West Bengal	27,745	11,071	16,784	4,21,094	3,61,966	4,52,928	12,91,588
Uttar Pradesh	735	2,578	1,378	5,53,958	3,64,627	2,75,494	11,98,770
Tamil Nadu	75,159	3,274	31,366	1,08,139	41,368	1,750	2,61,056
Rajasthan	5,221	8,955	12,547	2,33,387	1,97,765	1,46,589	6,04,464
Puducherry	0	0	0	0	0	0	0
Haryana	461	1,489	3,448	7,617	2,556	0	15,571
Kerala	7,666	3,555	6,737	12,135	3,047	0	33,140
Odisha	7,256	6,107	11,161	3,44,114	2,77,868	1,70,966	8,17,472
Arunachal Pradesh	0	0	0	79	0	0	79
Assam	2,786	6,972	24,409	1,35,323	17,970	0	1,87,460
Bihar	2,56,157	64,249	71,959	3,05,610	1,44,896	0	8,42,871
Chhattisgarh	5,857	1,416	3,940	2,22,464	1,96,350	1,76,367	6,06,394
Goa	6	0	7	2	0	0	15
Himachal Pradesh	195	6	259	4,495	1,805	0	6,760
J&K	61	154	504	8,139	3,814	0	12,672
Jharkhand	6,883	4,066	7,403	2,06,705	1,25,884	86,107	4,37,048
Manipur	0	0	874	5,446	0	0	6,320
Meghalaya	102	208	2,956	5,839	0	0	9,105
Mizoram	0	153	169	2,173	0	0	2,495
Nagaland	0	0	14	0	0	0	14
Punjab	66	413	259	8,571	2,763	0	12,072
Sikkim	0	72	330	995	0	0	1,397
Tripura	3	97	2,912	21,741	1,001	0	25,754
Uttarakhand	96	270	1,107	7,980	3,326	0	12,779
Andaman & Nicobar	0	0	0	0	0	0	0
Dadra & Nagar Haveli	0	0	0	46	73	22	141
Daman & Diu	0	0	0	0	13	0	13
Lakshadweep	0	0	0	0	0	0	0
Andhra Pradesh	0	0	0	34,912	3,440	0	38,352

Note: A sum of 44.54 lakh houses completed from 2017 to 2018.

State-wise list of physical progress report of PMAY (G):