EWS Housing: Benefits, Documentation & More
EWS Housing Schemes in many states provide people from lower income groups with inexpensive housing options. Learn about the specifications, requirements, required documentation, etc., for housing programmes within the EWS category. Building a home while meeting other financial obligations is challenging given the escalating cost of real estate. The Government of India has created many EWS Housing Schemes to make it easier for people in lower income categories to build their dream homes.
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The state government contributes a portion of the overall cost of the property under the EWS category scheme, which is advantageous to the individual. Beneficiaries must, however, meet certain requirements in order to be eligible for the programme. To learn more about EWS housing, continue reading.
Housing for EWS: Benefits
To learn more about the advantages of EWS housing, keep reading.
Slum Eradication: With the EWS category housing scheme, residents of slums can transfer to concrete homes. Other residential properties could be built on the slum land parcels.
Housing for All: The goal of EWS Housing Schemes like Pradhan Mantri Awas Yojana is to house everyone who is homeless. The Scheduled Tribes (STs), Scheduled Castes (SCs), Other Backward Classes (OBCs), and the EWS category are all covered by these government housing programmes for lower income groups. The programmes are offered in numerous states, including Maharashtra, West Bengal, Tamil Nadu, and Kerala.
Women’s Security: Because women must own their homes in order to qualify for new EWS category purchases, the housing programmes provide recipients with security for the future. For instance, in order to get the subsidy amount under the PMAY housing programme, a male applicant must jointly own the property with his wife.
Housing EWS Parameters
Here are a few important criteria for housing that falls within the EWS category.
| Particulars | Details |
| EWS Full Form | Economically Weaker Section |
| Home Loan Interest Subsidy | Up to Rs.6 Lakh |
| Annual Household Income | Less than Rs.3 Lakh (Rs.6 Lakh for EWS beneficiaries in Mumbai Metropolitan Region) |
| Maximum Interest Subsidy Amount | Rs.2,67,280 |
| Annual Interest Subsidy | 6.5 Per Cent |
| Maximum Carpet Area (Dwelling Unit) | 30 Sq Mtr |
| NPV (Net Present Value) Discount Rate | 9 Per Cent |
| Maximum Loan Tenure | 20 Years |
| Building Design Approvals | Mandatory |
| Woman Ownership | For New Purchases: Compulsory |
| For Resale Properties: Optional | |
| Women Co-Ownership | For Resale Properties: Optional |
| For New Purchases: Compulsory |
EWS Housing Criteria
To apply for a housing scheme, candidates must meet the EWS Housing requirements.
- For EWS applicants, a minimum annual household income of Rs. 3 lakhs are required. The Mumbai Metropolitan Region receives Rs. 6 lakhs.
- There cannot be a pucca residence owned by the petitioner or any of the other family members anywhere in India.
- The applicant needs to be older than 18 years old.
- The candidate must be a citizen of India.
- The petitioner cannot have benefited from the PMAY housing programme or any other housing programme provided by a PIL.
- The applicant must not have used any government or state housing programmes’ benefits.
- Even if a family applies for EWS housing with two members, they will only be given one house. They may nonetheless apply for joint ownership.
Required Documents for EWS Housing
Please see the list of required documents for the EWS category below when submitting an application for a home.
| Types of Documents | Documents Required for EWS Category |
| Age Proof | Birth Certificate, PAN Card, Driver’s Licence, Insurance Policy, or School Graduation Certificate, among others |
| Identity Proof | Aadhar Cards, Driver’s Licences, Passports, or Voter ID Cards are all acceptable forms of identification. |
| Income Proof | Any one of these records—Salary Slips, Appointment Letters, and Bank Statements for the previous six months—for each earning family member. |
| Affidavits | An affidavit stating that you do not own a pucca house, nor do any of your family members. |
| Address Proof | Voter identification, real estate registration papers, a property tax receipt, or a bank statement |
| Other Documents | Certificate of No Objection from any housing society |
| Letter of Property Allotment or Sale Agreement | |
| Information about a home loan and a bank account if one is open | |
| For salaried personnel, a processing fee cheque is issued from the current salary account. For those who are in business, the cheque must be written on an active business account. | |
| Depending on the criteria of the application process, passport-sized photos may also be needed. |
National Government Services Portal: EWS Housing
Online access to a variety of Indian Government services is provided by the National Government Services Portal. The portal has been divided into many categories. Housing, Education, Social Development, Infrastructure, Industries, Law, Transport, and Finance are some of these sections. EWS Housing, Rural Housing, and Urban Housing services are easily accessible through the website’s Housing Section.
The website for the online application portal is listed below to make it simple for you to apply for your preferred EWS Housing Scheme.
Portal Name- National Government Services Portal
Link- india.gov.in/topics/housing/ews-housing
The Top 5 EWS Housing Programmes in India
The nation’s top EWS housing programmes are listed below.
| EWS Housing Schemes | State | Website/Online Portal Link |
| Pradhan Mantri Awas Yojana | All States | pmaymis.gov.in |
| pmayg.nic.in | ||
| MHADA Lottery | Maharashtra | mhada.gov.in |
| Rajiv Gandhi Awas Yojana | All States | ashraya.karnataka.gov.in |
| Suraksha Housing Scheme | Kerala | kshb.kerala.gov.in |
| DDA Housing Scheme | Delhi | eservices.dda.org.in |
| CIDCO Lottery | Maharashtra | lottery.cidcoindia.com |
How to apply online for PMAY EWS housing?
The housing programme that provides houses for all income levels is called the Pradhan Mantri Awas Yojana. The easy methods to apply for housing under the EWS category are shown below.
Step 1: Go to pmaymis.gov.in, the Pradhan Mantri Awas Yojana Scheme’s official website, and log in.
2nd: On the website’s home page, select the Citizen Assessment option under the Main Menu.
3rd: Select the Apply Online option from the drop-down menu by clicking on it.
4th: Decide the category to use as an EWS Category.
5th: On the following screen, provide the necessary information, including your name & the Aadhar Card Number.
6th: Check the box at the bottom of the screen to confirm that you are okay with sharing your Aadhar Card Number.
7th: To continue with the application procedure, click the Check button.
How to Make an Offline PMAY EWS Housing Application?
The steps to apply for EWS Housing offline are shown below.
Step 1: To apply for housing under the EWS category, go to your local Common Service Centre.
2nd: Complete the application form by entering the necessary information.
3rd: Include important documents.
4th: Pay the application fee.
5th: Send in your application.
How to Check the List of PMAY EWS Housing Beneficiaries?
Here’s how to get the official PMAY website’s list of EWS category beneficiaries.
1st Step: It is to visit and log onto the PMAY website.
2nd: On the website’s home page, select the Search Beneficiary option under the Main Menu.
3rd: Select “Search by Name” from the menu.
4th: Input your Aadhar Card number to retrieve the necessary data.
5th: After clicking Show, the list of PMAY EWS Category Beneficiaries will appear on your screen.
Conclusion Regarding EWS Housing
For those who fall under the EWS category, state government authorities have launched cheap housing programmes. Some of these programmes offer homes based on a random drawing. Some, however, allow potential purchasers to apply immediately by going to the specific internet sites.
You may get comprehensive information about active EWS housing projects by visiting the state’s online housing schemes portal. Before beginning the application process, make sure you review the qualifying requirements and acquire all the necessary documentation. As a result, the procedure is streamlined and the likelihood of error is decreased.
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