Apply Online Pradhan Mantri Awas Yojana Gramin Online Application Form 2019 Registration
It is a known fact that in India poverty is a major problem and there are many families and individuals in the country who do not even have access to the basis requirements of life which includes food, clothes and shelter. But this comes as a biggest hurdle in the path of development and growth that the country is looking forward to achieving.
When talking about basic requirements of life food and clothes are something that people still somehow manage to get but then a house is something that is surely hard to get. A report that came out a few months ago revealed that around 5 crore families in the country are homeless, which means they do not have a proper or ‘pakka’ house to live in. now there are many reasons behind this, one being the fact that the land prices are quite high and same is the case of the cost of construction. Here comes the role of the home loans. But then the problem with the home loans is the high interest rate at which it is offered. Moreover one is considered for home loans based on the income, which if low one doesnot get a home loan. So many families are left with no option and are not able to build or buy a house for themselves.
Some of the main suffers here are the families that fall under the BPL (Below Poverty Line), LIG (Low Income Group) and the EWS (Economically Weaker Section) category. These people do not have any way to buy or build a house. So keeping this problem in mind the Government of India has launched the PMAY Gramin.
|Things Need to Know About PMAY
|Name of the scheme
|Pradhan Mantri Awas Yojana (PMAY) Gramin and Urban
|Scheme launched by
|Prime Minister Narendra Modi
|Objective of the scheme
|Provide affordable house to the urban poor
|Duration of the scheme
|Target group of the scheme
|Homeless urban poor
Objective of the scheme
The PMAY is for the urban as well are the rural areas. But here we would talk about the scheme relating to the urban area development. So the objective of the scheme is to provide affordable houses to the urban poor of the country and uplift their living condition.
The scheme would make efforts in the rehabilitation of the families and individuals who live in the slum areas. All the families are individuals who belong to the economically weaker section will be helped financially by providing home loan subsidy.
The government of India will try and bring together the government and private dwelling units’ developers together in order to build houses for the poor and homeless. Apart from this the scheme also aims on providing subsidy to the construction of houses or house renovation.
By doing so the government of India wants to provide a house for all the families in the country. The target set by the government is to provide house to all the homeless of the country by the year 2022, the year when India would celebrate its 75th year of Independence.
Some important features and Eligibility criteria of the scheme
The Indian government has set some eligibility criteria for the candidates to apply for the scheme. Here are the details about it.
- A family that can apply for this scheme should comprise of a husband, wife and their children who are not married. Also that family should not already have a pucca house in any of the immediate family member’s names in any part of the country.
- Assistance will be given under this scheme to the families who full-fill the income level criteria of the scheme. The family ha to belong to Below Poverty Line, Low Income Group and the Economically Weaker Section category
- The income limitation for the family applying for the scheme is defined as- for the families belonging to the economically weaker section should have a maximum income of Rs.3 lakhs in a year. For the families belonging to the Low Income group should have an income limited between Rs.3 lakhs to Rs.6 lakhs.
- Under this scheme candidates will be provided with subsidy on the home loans. For loans up to Rs.6 lakhs taken under this scheme will be charged an interest rate of 6.5%. And the tenure of the loan is 15 years within which the loan has to be re-paid.
- For the loan amount more than 6 lakhs, interest will be charged at the market rate. This means that if a person takes a loan of 7 lakhs under this scheme then for the extra 1 lakhs the person has to pay the market level interest rate.
- For a loan of Rs.6 lakhs one gets an interest subsidy of round Rs.220000.
- One may wonder if there would be any additional documents required for availing this subsidy but nothing as such is required. The applicant has to just provide a Declaration certification of not owning a proper house in his or her name. Along with this the applicant has to provide an income proof or an Affidavit that validates your income.
- Now another important thing to note is that as a part of this scheme you can buy or book a house from the 2 crore houses that the government is planning to build under this scheme. Or you may also book or buy a house from a private project where around 30% of the houses are booked for the Economically Weaker Sections. You may also built your own house under this scheme.
- Now if you are taking a loan under this scheme to build a house by yourself then you have to make sure that the house is built in eco-friendly way and should have toilets inside them.
- People will also be helped for the renovation of an existing house. But if you already have a house then you cannot apply for a new house, but you can repair your older house.
- For the application process the Aadhaar card is an important document and if one does not have an Aadhaar then the CSC would help the applicant in getting one.
How to apply for Pradhan Mnatri Awas Yojana Online
scheme if you meet all the above mentioned eligibility rules. You just need to follow the following steps-
- If you have to buy a house under this scheme then you need to visit the following website- PMAY, Govt Portal and go to the option that says ‘Citizen Application’
- Then go to the option that reads ‘slum dweller’ and then submit Format- A application. If you are not a slum dweller but belong to the Low income group or economically weaker section then select the category that you belong to and click on the ‘benefit under 3 component’ and submit Format- B application.
- You will then receive a reference number that you will be requiring for further enquiry and for checking the status of your application. In this website you can also track your application stats if you are an applicant or you can check the beneficiary list for you name.
Recently the government of India has also made possible the application of this scheme through CSC as well. CSC refers to the Common Service Centers that are available in many parts of the states. The main function of the CSC is to deliver the various services of the government to the people of the country without any hassle. The government has enabled almost 60000 CSCs of the urban areas to collect the application from under this scheme and verify the details and submit the applications. So you can just visit your nearest CSC and apply for the scheme. This application process would charge you Rs.25. in order to locate the nearest CSC around you, just visit http://gis.csc.gov.in/locator/csc.aspx.
One may also choose to apply for the scheme through the Nodal Agency that is located around you.
Applying for home loan subsidy
So under this scheme you will have to apply for the house and you will then be allotted one. You then need to buy the house that has been allotted to you. Now there might be an instance where a family or an individual does not have the money to buy the house. Keeping in mind that such a scenario can arise the scheme allows the families to take home loans under this scheme. This home loan can also be used to build your own house if you do not want a house from the ones that the government is building under this scheme. The scheme also allows you to use this home loan for renovating the house and make it livable.
The home loans under this scheme can be got in the Scheduled Commercial Banks which includes ICICI Bank, State Bank of India, and many other. Apart from this the home loans under this scheme would be available in Urban Cooperative Banks, Regional Rural Banks, Housing Finance Companies, and other authorized lending institutions.
Pradhan Mantri Awas Yojana – Gramin VERSUS Pradhan Mantri Awas Yojana – Urban
The Pradhan Mantri Awas Yojana – Gramin and Pradhan Mantri Awas Yojana – Urban may sound kind of similar, except that one is for rural areas and the other is for urban areas, the truth is that the two are pretty difference when it comes to scope, eligibility, target, target group etc. In this article, we will try to figure of the differences between the two in a tabular format.
Pradhan Mantri Awas Yojana – Gramin Versus Urban – Key Pointers
|Points of Differences
|Pradhan Mantri Awas Yojana
|Previous name (if any)
|Indira Awas Yojana
|Another name used (if any)
|Housing for All
|Rural Development Ministry
|Housing and Urban Poverty Alleviation Ministry
|Target areas for implementation
|Rural areas of India barring Chandigarh and Delhi
|Urban areas of India
|Targeted completion year
|Number of houses to be constructed
|Target group / beneficiaries
|Rural population, specially the poor
|Urban slum dwellers and urban poor
|EWS people or Economically weaker section people
|LIG people or Low Income Group people
Pradhan Mantri Awas Yojana – Gramin Versus Urban – Objective
Even the objectives of the two versions of Pradhan Mantri Awas Yojana, that is Gramin PMAY and Urban PMAY, differ completely. Let us see how the two differ from each other:
Objective of Gramin PMAY
The primary objective of Pradhan Mantri Awas Yojana – Gramin is to ensure that by 2022, people in rural areas of India who either live in dilapidated or kutcha houses or those who do not have houses, get pucca houses. The scheme also tries to ensure that quality houses are constructed using locally trained masons, local designs and local materials under supervision of the beneficiaries themselves.
Objective of Urban PMAY
The Pradhan Mantri Awas Yojana – Urban was launched with the primary objective of providing houses to urban poor and slum dwellers in urban areas of India. This objective is to be achieved through 4 different components defined by the scheme. Those four components include:
- Slum redevelopment in original place where land will be used as a resource and private developers will participate.
- Credit Linked Subsidy to be used for Affordable Housing promotion for both EWS people and LIG people. This Credit Linked Subsidy scheme offers home loans at subsidized interest rates for a certain tenure and of course for a certain limit to the loan amount.
- Creation of affordable houses through private as well as public sector partnership where central government will be offering assistance of up to INR 1.5 lakhs for every house in such projects which reserve 35% of flats for EWS people and has a total of at least 250 houses.
- For EWS people, those who want to construct their own house or enhance their own house, government (central) will be offering INR 1.5 lakh subsidy. This component is meant only for those EWS people who failed to get advantage from the aforesaid 3 other components.
Pradhan Mantri Awas Yojana – Gramin Versus Urban – About Beneficiaries
Beneficiaries under Pradhan Mantri Awas Yojana Gramin and Pradhan Mantri Awas Yojana Urban are totally different. This means that attempts of using a tabular representation for pointing out the differences will not be fruitful. So, we will ditch table at this point and go for a conventional descriptive approach. Read carefully to understand how the two differ from each other.
Beneficiaries under PMAY-Gramin
There is no clear definition of beneficiaries under the Gramin version of Pradhan Mantri Awas Yojana. It only states that it is for rural people and specifically for the poor. However, there is a need for selecting the beneficiaries. How does the government aim to achieve the same?
The government will follow a process and make use of Socio-Economic Caste Census of 2011 (SECC) and seek help of Gram Sabha.
Here is how the process will flow:
- Th government will first make use of the Socio-Economic Caste Census data of 2011 and make a list of beneficiaries.
- Once the list is created, the government will then prioritize the beneficiaries. This means, a priority list of beneficiaries will be created.
- The priority list of beneficiaries will then be handed over to Gram Sabhas to verify whether the list is correct or not.
- In case the Gram Sabhas have something different to say or the beneficiaries come up with grievances, the Appellate Committee will address and solve those grievances.
- Once all grievances are sorted out, a final priority list will be created and publish.
- Finally, the annual select lists will be created.
Now, there is a question: the beneficiary list will be created but how will the government deal with exclusion? Not everyone can be included in the list because not everyone will be beneficiaries. There are rich people out there even in rural areas. To deal with this problem, the government has come up with 13 parameters that will lead to automatic exclusion of people. Those 13 parameters are:
- Candidates who have the following will be excluded:
- Motorized two-wheeler
- Motorized three-wheeler
- Motorized four-wheeler
- Fishing boat
- Candidates who will have the following will be excluded:
- Mechanized agricultural three-wheeler equipment
- Mechanized agricultural four-wheeler equipment
- People with KCC (Kisan Credit Card) with equal to or greater than INR 50,000 credit limit will be excluded.
- Any household where at least one member happens to be an employee of the government (state or center) will be excluded.
- Any household which has a government-registered enterprise that is non-agricultural by nature will be excluded.
- Any family where at least one member is earning INR 10,000 in a single month will be excluded.
- Anyone who pays income tax will be excluded.
- Anyone who pays professional tax will be excluded.
- Anyone who is in ownership of a refrigerator will be excluded.
- Anyone who is in ownership of a landline phone connection will be excluded.
- Anyone who owns at least 2.5 acres of land (irrigated) and possesses a minimum of equipment for irrigation will be excluded.
- Anyone who owns at least 5 acres of land (irrigated) to a minimum of two crop seasons will be excluded.
- Anyone who owns a minimum of 7.5 of land (irrigated) with a minimum of 1 equipment for irrigation will be excluded.
This means that if any intended beneficiary satisfies even one condition from the exclusion parameters described above will be excluded from the scheme.
Beneficiaries under PMAY-Urban
Beneficiaries defined under PMAY-Urban is way different from how it has been defined under the gramin or rural version. This makes the procedure of beneficiary selection completely different for the two completely different.
Because the Pradhan Mantri Awas Yojana – Urban is meant for dealing with slum dwellers and urban poor, the target group and the beneficiaries will be EWS and LIG category people. EWS is the acronym used for Economically Weaker Sections and the LIG is the acronym used for Low Income Group.
For the purpose of the scheme, EWS and LIG categories are defined as follows:
EWS: Economically Weaker Section people are those who earn no more than 3 lakh rupees in a given fiscal year.
LIG: Low Income Group people are those people who earn no less than 3 lakh rupees and no more than 6 lakh rupees in a given fiscal year.
The question is how does the government intend to find out who belongs to EWS and who belongs to LIG category? How will the government determine the beneficiaries?
Unlike in case of ‘Gramin’, there is no SECC data to aid the government. To deal with the problem, the government has people to give a self-declaration (self-attested) of income. The government will then crosscheck or verify the claim.
Also, it is mandatory that:
- A beneficiary’s family should consist only of the beneficiary’s spouse, unmarried daughters or / and unmarried sons.
- The family of the beneficiary should not be in possession of any pucca house anywhere in India. If there is such a house either in name of the beneficiary himself or herself or in name of anyone else in the family, the scheme will not apply to that person.
- There has to be a certain time frame for which the beneficiary must be living in a particular state or union territory. However, states and union territories have the authority of determining the cutoff date for which the intended beneficiary needs to be a resident of the urban area where the project will apply.
- There are four defined verticals for assistance under the ‘Urban’ version of PMAY and only the EWS category people will be benefiting from all four verticals. For LIG category people, only the vertical of credit linked subsidy applies.
Pradhan Mantri Awas Yojana – Gramin Versus Urban – Unique Features
Both the Rural (Gramin) and Urban versions of the Pradhan Mantri Awas Yojana have their very own unique features. Here is the list of those features in a tabular format:
|Pradhan Mantri Awas Yojana
|Space technology and Information Communication Technology are to be used to ensure that the selection of the beneficiaries is accurate as far as possible.
|Credit Linked Subsidy Scheme where both EWS people and LIG people can take out loans for a fixed tenure against which, they will be given interest subsidy for a predefined loan amount. Any loan amount exceeding the defined amount will attract market interest rates and subsidy will not be provided for that additional loan amount.
|The scheme stitches the following programs in under one hood: Digital India, DBT (Aadhaar Platform – Direct Benefit Transfer), Make in India, Skill India and Jan Dhan Yojana. The scheme will also deploy the MGNREGA scheme (launched by UPA government) to allocation of labor and for training local people in masonry.
|The scheme generates a space for technology sub-mission wherein innovative, modern and green technologies are to be used. Such technologies to be used are not only to be environment-friendly but also should also be disaster-resistant.
The bottom line here is that it is really difficult to point out the differences between the Pradhan Mantri Awas Yojana – Gramin and Pradhan Mantri Awas Yojana – Urban. The reason for this difficulty is that despite the eventual target being same, the setups of the two places – rural and urban – are completely different and hence, they require completely different approaches and policies. The implementation procedures and fund allocation and disbursal also differ for each sector. Keeping these factors in mind, a head-on comparative study for pointing out the differences is quite impossible. Even if we try to do so, we will need to go through every aspect of each (Gramin and Urban) and describe them in details. This will make the article unusually long and boring. So, we will stop here as we have pointed out the key differences. Rest is all procedural by nature and hence, differentiation becomes immensely difficult.