PMAY-G: Learn how the PM Housing Scheme will make your dream of owning a home come true. Learn about eligibility and apply
In addition to Ayushman Bharat, the Indian government has another highly popular welfare scheme—the Pradhan Mantri Awas Yojana (PMAY). The primary objective of this scheme is to provide permanent housing to every homeless and poor family in the country, so that every citizen can live a dignified life.
Two main components of Pradhan Mantri Awas Yojana
This scheme is divided into two different parts keeping in view the needs of the country:
PMAY-Gramin (PMAY-G):
PMAY-Urban (PMAY-U): For the poor, slum dwellers and middle class families living in urban areas.
Key benefits and features of the plan
Financial assistance (subsidy): Direct financial assistance is provided by the government for building or purchasing a house.
Pucca House:
Preference to women: Under this scheme, the ownership of the house is either in the name of the woman or jointly, which promotes women empowerment.
Transparent Process: The entire assistance amount is transferred directly to the beneficiary's bank account (DBT) in installments.
Eligibility:
The applicant must be a permanent resident of India.
The family should not have any permanent house anywhere in the country.
For Rural Scheme: Name should be in Socio-Economic Caste Census (SECC) list.
For Urban Planning: Based on the family income it is divided into Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG).
How to Apply?
Online Portal: Visit pmayg.nic.in for rural area and pmaymis.gov.in for urban area.
Documents: Carry Aadhar Card, PAN Card, Bank Passbook, Income Certificate and Residence Certificate.
Offline Mode: You can also apply by visiting your nearest Common Service Centre (CSC), Gram Panchayat Office or Nagar Palika/Municipal Corporation Office.
PC: The economic times