PMAY Application Form Process 2022: Pradhan Mantri Awas Yojana

The Ministry of Housing and Local Government (MoHUA) announced the Pradhan Mantri Awas Yojna in an effort to provide pucca residential ‘Housing for All’ by 2022. The scheme’s main goal is to give benefits and subsidies to economically disadvantaged individuals in order to help them build a pucca house for themselves. The PMAY project started on June 25, 2015, and several laws and regulations relating to the characteristics and parameters for adding participants have been updated since then to promote better social inclusion. Let’s look at how to apply for the Pradhan Mantri Awas Yojana through the internet. The application process for government-based facilities usually does not alter, but if it does, public notification is necessary within a few days of the amendment’s passage.

Pradhan Mantri Awas Yojana


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Components of the Pradhan Mantri Awas Yojana

The government saw a need to offer affordable housing for the increasing population base as the country’s population grew at an exponential rate. A Pradhan Mantri Awas Yojna was launched on June 25, 2015, and it applies to all statutory towns as of Census 2011, as well as any towns declared after that period. The government hopes to provide central aid or assistance to implementing agencies and Central Nodal Agency under the scheme. Anyone who is qualified can receive a house loan interest rate discount of up to 6.5 percent through this social program.

Some of the most important features of the Pradhan Mantri Awas Yojna 2022 are as follows:

  • The subsidized interest rate slab on home loans is fixed at 6.50 percent per annum for all participants under the PMAY plan for a period of 20 years.
  • Whenever it comes to allocating ground floor houses, senior citizens and differently-abled beneficiaries of the PMAY scheme would be prioritized.
  • For the construction of houses under the PMAY scheme, sustainable and environmentally friendly technology is being used.

The PMAY scheme currently covers the whole country’s metropolitan regions, which includes 4041 legal towns, with 500 “Class I” cities getting first priority. There are 3 phases to this project. The credit-linked subsidy plan is applied from the beginning of this stage, and it is implemented through India in all of the towns included by the PMAY scheme.

Pradhan Mantri Awas Yojana


Eligibility for the Pradhan Mantri Awas Yojana

The PMAY plan is all-encompassing, with the goal of providing benefits to everyone in the economically disadvantaged or recovering parts of society. The following are the criteria used to determine who will benefit from the PMAY program:

  • That husband, wife, and unmarried children make up an eligible beneficiary family. Depending of their marital status at the time of application, if the family has an adult earning member, they might be regarded as a distinct home.
  • PMAY beneficiaries are largely classified into three groups: Middle-Income Groups (MIGs), Low-Income Groups (LIGs), and Economically Weaker Sections (EWS). This categorization aids in the efficiency of the procedure.
  • If a married pair belongs to one of the economically needy things listed in the scheme, either one of the spouses or both together in joint ownership will be declared eligible for a single property.
  • The unit should either be entirely held by the female head of the family or equally owned by the male and female head of the home to empower females from economically disadvantaged areas. When an adult female is not present in the family, the unit might be registered in the name of the household’s male head.
  • A family should not possess a pucca home in any region of the country, either on his or her own behalf or on behalf of any immediate family member.
  • Should not have accepted any type of central help under any other government-sponsored housing initiative.


PMAY Scheme Types

With a land area of 3.287 million km2 with a population of 1.2 billion people, India is a massive country that continues to grow dramatically with each passing day. It’s not easy to run a benefits program for such a broad region with such a diverse demographic mix. That is why the Pradhan Mantri Awas Yojna scheme’s processes are carried out based on the demographic appropriate way, catering to the urban and rural populations separately. Let’s look at how the system varies among wealthy and poor locations.


Garmin (PMAY-G)-Pradhan Mantri Awas Yojana

The Indira Awas Yojna was recognized as the Pradhan Mantri Awas Yojna – Gramin. The PMAY-G plan was renamed by the Narendra Modi-led BJP administration on November 20, 2016, and it has since introduced a slew of regulatory frameworks and initiatives. The PMAY-G scheme emphasizes the provision of a pucca dwelling for rural areas. Beneficiaries are selected under this plan based on housing deprivation factors from 2011 Socio-Economic and Caste Census (SECC). Exclusion criteria of 13 points apply to the entire operation. A necessary verification by members of the Gram Sabha is required after successfully completing all criteria.

Urban (PMAY-U) – Pradhan Mantri Awas Yojana

As even the title indicates, this is the part of the Pradhan Mantri Awas Yojna that relates to the country’s metropolitan regions. The government will offer an interest subsidy of With this plan, the government will provide an interest subsidy of:

1.) Economically Weaker Section (EWS) / Low Income Group (6.5%) (LIG)

2.) 4% for the Middle Income Group I (MIG-I)

3.) 3% for the Middle Income Group-II (MIG-II).

These interest rates apply to home loans taken out by qualifying PMAY-U recipients for a 20-year term under the Credit Linked Serviced Scheme (CLSS). The PMAY-U will be implemented in three phases, according to the administration.

Phase 1: From April 2015 to March 2017, the government targeted 100 cities throughout the country in various states and UTs.

Phase 2: From April 2017 to March 2019, the government targeted 200 more cities across the country in various states and UTs.

Phase 3: April 2019 – March 2022 – The government aimed to cover the cities that were left out of the PMAY-U plan in Phases 1 and 2.

According to the Ministry of Housing and Urban Affairs’ official website, PMAY Urban has made the following progress:

112.52 lakhs sanctioned by the Houses

82.46 lakh houses have been anchored for development.

48.31 lakh houses have been completed.

Assistance from the Centre Commitment: 1.81 Billion Rupees

Assistance from Centre 96067 Cr was released.

Total Investment: 7.35 billion rupees


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