How to Fill PM Awas Yojana Form Online – PMAY

The Pradhan Mantri Awas Yojana (PMAY) is a Government of India led initiative aimed at providing affordable housing to first-time homeowners. The mission, launched in 2015, promises to build a whopping 2 million fully-functional “pucca” houses by March 2022.

The ‘Housing for all’ scheme comprises of Pradhan Mantri Awas Yojana (Urban) and Pradhan Mantri Awas Yojana (Gramin). These cater to two completely different demographics – the urban poor and rural poor, respectively. Both categories can avail loan subsidies offered under the scheme, which go as low as 6.5%, for a tenure of 20 years.

Till date, the government has done a commendable job in providing affordable housing for the poor, with 2.61 lakh housing units sold in 2019 alone, and 2.5 lakh more to be sold by 2021. The Yojana currently has beneficiaries spread across 26 states and 2508 cities.

If you’re looking to apply for PMAY scheme and wondering how to fill the PM Awas Yojana form online, this blog will discuss the details of the PMAY scheme and how to apply for PMAY.

Who is Eligible for PMAY Property?

The following categories are eligible to get a PMAY property-

1. Economic Weaker Sections (EWS) with household income of ₹3 lakhs
2. Lower Income Group (LIG) with a household income between ₹3 lakhs and ₹6 lakhs
3. Middle Income Group I (MIG I) with household income of ₹6 lakhs to ₹12 lakhs
4. Middle Income Group II (MIG II) with household income of ₹12 lakhs to ₹18 lakhs

What are the Rules of PMAY?

Before applying for the Pradhan Mantri Awas Yojana (PMAY), it’s important to understand the eligibility criteria and rules that govern who can benefit from the scheme.

1. Property ownership: The applicant must not have a pucca house anywhere across the country.
2. Interest subsidy: The interest subsidy on home loans is available under PMAY-CLSS for purchase or construction of new houses. Also, the subsidy will vary based on the income category.
3. Income criteria: The four eligible categories based on the annual income of the applicant and their family members are EWS, LIG, MIG I, MIG II.
4. Loan amount: The loan amount approved for buying or constructing the house must be below the maximum limit defined under the scheme.
5. Application process: If eligible, interested candidates must only apply through authorised sources and submit all relevant documents along with the application form.
6. Period of validity: PMAY scheme features a set validity period and interests candidates must apply within this period to be eligible.
7. Property location: PMAY scheme benefits are available for properties in both urban and rural areas.
8. Co-ownership: Eligible married couples can apply for PMAY scheme to avail of subsidy.
9. Carpet area limit: The scheme defines the carpet area limit depending upon the income category. This limit must be met when buying or constructing a house.
10. Aadhaar linkage: All PMAY applicants and co-applicants must have a valid Aadhaar card.

PMAY beneficiaries

Wondering how to get PMAY? Check the PMAY eligibility criteria if you’re looking to apply:

• Economically Weaker Section (EWS): The family’s total annual income is less than Rs. 3 lakhs
• Lower Income Group (LIG): The family’s total annual income falls between Rs. 3 lakhs – Rs.6 lakhs
• Middle Income Group I (MIG I): The family’s total annual income falls between Rs. 6 lakhs – Rs. 12 lakhs
• Middle Income Group II (MIG II): The family’s total annual income falls between Rs. 12 lakhs – Rs. 18 lakhs

Along with this, applicants must not own a “pucca” house anywhere in India, and should not be a concurrent beneficiary of any other housing scheme.

What are the PMAY Components?

Here are the various components of PMAY scheme-

1. In-Situ Redevelopment: This component focuses on transforming existing slum areas by providing formal housing to slum dwellers. Through the ISSR approach, the government collaborates with private developers to redevelop slum areas, offering eligible residents a grant of ₹1 lakh to provide urban slum dwellers with improved living conditions.
2. Affordable Housing in Partnership: Under AHP, the government partners with public and private sector entities to develop affordable housing projects. This initiative primarily targets the Economically Weaker Sections (EWS).
3. Construction of Beneficiary-Led Houses: The government offers financial assistance of up to ₹1.5 lakh to beneficiary-led houses to support the construction or improvement of their homes. This grant is available for beneficiaries exempted from other components including In-Situ Redevelopment, CLSS, or affordable housing in partnership.
4. Credit Linked Subsidy Scheme (CLSS): CLSS features interest subsidies on home loans for eligible beneficiaries, making housing finance more accessible and affordable. The government offers an interest rate subsidy of 6.50% on home loans by various financial institutions.

How to Fill PM Awas Yojana Form Online?

Here’s a step-by-step break-down of how to fill the PMAY form –

• Step 1: Login – Visit the official PMAY website – www.pmay.gov.in. Log in using your credentials.
• Step 2: Choose your category – You’ll be prompted to choose between two options – ‘For slum dwellers’ and ‘Benefit under other 3 components’. Choose whichever option applies to you.
• Step 3: AADHAR/ VID check – Next, applicants have to go through the AADHAR or Virtual ID (VID) existence check.
• Step 4: Application filling – If the AADHAR/ VID check is successful, candidates can proceed to fill the PMAY online application form, where they’ll have to enter information regarding:

1. Address and Contact Details
2. Caste and Religious Details
3. Bank Details
4. Income Details
5. Housing requirement
6. Employment status
7. Details about family members
8. Preferred Component

• Step 5: Save your progress – After filling in all details, read the disclaimer and check the box. Next, click on the ‘Save’ button.

Additional Read: What are the Benefits of Pradhan Mantri Awas Yojana Scheme?

How to Apply for PMAY Benefits Under Other 3 Components Online?

To understand how apply for PMAY scheme benefits under the other 3 components online, follow these steps-

1. Visit the official PMAY website at http://pmaymis.gov.in/
2. On the homepage, click on the ‘Citizen Assessment’ dropdown and choose ‘Benefits under other 3 components’.​
3. Enter your Aadhaar card number and click on ‘Submit’
4. Once verified, you’ll be directed to the next page where you need to provide accurate information regarding your name,  residential address, number of family members, age of the head of the family, religion, caste, contact number, and so on.
5. Once you have filled out all the necessary information, type the captcha code in the box and click on submit.

How Slum Dwellers Can Apply for PM Awas Yojana Online

The PMAY website uses an integrated platform, which means the application process for slum dwellers is the same. While most of the steps are similar, there’s a small change-

1. Log on to the official PMAY website.
2. Under ‘Citizen Assessment’ dropdown, select ‘For Slum Dwellers’
3. Put in your Aadhaar Card number and click on submit.
4. The system will verify your information and take you to the next page where you need to enter your personal information such as name, address contact details, number of family members, age, and more to apply for the scheme. 
5. After entering all the required information, click ‘Submit’.

How to Register for PMAY Offline?

If you are unable to apply for the PMAY scheme online, you can also register offline by following these steps-

1. Visit the Common Service Centre by the State Government
2. Fill in the PMAY application form.
3. Pay an application fee of ₹25 plus GST and submit the application form.

How to Track Your PMAY Assessment Status Online

Once you have applied for the PMAY scheme, the portal makes it easy to track your application status online. Here’s how-

1. Visit the official website of PMAY
2. Navigate to the ‘Citizen Assessment’ dropdown and select ‘Track Your Assessment Status’
3. You will be redirected to the Track Assessment Form
4. Enter details like name, father’s name, mobile number, and Assessment ID.
5. Click on ‘Submit’
6. After submission, your assessment status will be available on the screen

How to Verify the Gramin List of PM Awas Yojana Applicant

To verify the Gramin List of PM Awas Yojana applicants, follow these steps-

1. Head to the official PMAY website
2. On the homepage, go to ‘Reports’ section
3. Select ‘Beneficiary Details for Verification’
4. Provide the necessary details including the District, State, Village, and Year
5. Select PMAY and enter the captcha code
6. Click on ‘Submit’ to view the list

Last date of filling PMAY online form

If you’re an eligible candidate and haven’t yet filled the PMAY application form, worry not, because you have ample time:

• For households falling under the EWS/LIG category, the last date for form submission is 31 March 2022
• For households belonging to the MIG I/ MIG II category, the last date for form submission is 31 March 2021

Pradhan Mantri Awas Yojana Subsidy

Here is the breakdown of subsidy available under the PMAY scheme to various eligible categories based on their income-

Important Points to Remember While Applying for PMAY Scheme

When wondering about PMAY and how to apply, here are a few crucial pointers to ensure a smooth application process:

1. Start by verifying your eligibility for the scheme. You can do this online on the official website by clicking on “Check Pradhan Mantri Awas Yojana Eligibility”.
2. The form can be accessed either through the official Ministry website or by visiting any registered Common Service Centre (CSC) near you.
3. Make sure the information you provide in the form is accurate. Any mismatch or error could lead to your application getting rejected.
4. Have all necessary documents ready beforehand. This will save time and help you avoid last-minute hassles.
5. A valid Aadhaar number is mandatory to apply under PMAY.

Conclusion

Now that you have the information you need on PMAY eligibility and the application process, you may be looking for looking affordable home loans.

At Tata Capital, we’ve got your back. Apply for easy home loans at Tata Capital, available at competitive rates of interest. For more details, get in touch with us today.