PMAY Documents are required for various applicants like Salaried, Self-Employed, and Business Entities when they apply for the Pradhan Mantri Awas Yojana Scheme. Read the post to locate the list.
In 2015, the initiative "Housing for All" was launched as the PMAY or Pradhan Mantri Awas Yojana, aiming to offer housing for approximately 20 million individuals by 2024. Beneficiaries can receive a subsidy of up to 6.5% on home loans under the Credit Linked Subsidy Scheme (CLSS) as part of PMAY. Both the PMAY scheme can be applied online or offline. Having all the necessary documents to qualify for the loan subsidy is crucial.
The PMAY program provides a discounted home loan to eligible individuals. The credit-based subsidy scheme has also been highly successful for the government, with numerous applications being received. The documents listed below must be retained in order to apply for the PMAY program, which is open to both salaried and self-employed individuals.
List of Required Pradhan Mantri Awas Yojana Documents
Find below the list of documents required when applying for Pradhan Mantri Awas Yojana.
Pradhan Mantri Awas Yojana Documents: Identity Proof
Here are the major Pradhan Mantri Awas Yojana documents applicants need to provide for identity verification purposes.
Also Read: NBFCs seek extension of subsidy under PMAY-CLSS for two years
Pradhan Mantri Awas Yojana Documents: Address Proof for Salaried/Self-Employed
Here are the major Pradhan Mantri Awas Yojana documents the salaried and self-employed applicants need to provide for address verification purposes.
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Salaried |
Self-Employed |
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Pradhan Mantri Awas Yojana Documents: Address Proof for Business Entities
Here are the major Pradhan Mantri Awas Yojana documents that business entities need to provide for address verification purposes.
Pradhan Mantri Awas Yojana Documents: Income Proof
Here are the major Pradhan Mantri Awas Yojana documents applicants need to provide for income verification purposes.
Pradhan Mantri Awas Yojana Documents: Property-Related
Find below the set of required Pradhan Mantri Awas Yojana documents applicants need to provide for property-related verification.
Also Read: Government approves construction of 16,488 more homes under PMAY-Urban
Pradhan Mantri Awas Yojana Documents: Other Certificates
Here are a few additional certificates that the applicants of Pradhan Mantri Awas Yojana may need to provide based on the requirements.
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Certificates |
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Pradhan Mantri Awas Yojana: Eligibility Criteria
Let's assess your eligibility for the Pradhan Mantri Awas Yojana based on the following criteria:
1. You should not possess any residential property in India.
2. You should not have availed of any government assistance for purchasing property in India.
3. You must fall into one of the following categories: LIG, EWS, or MIG.
Below are the annual income thresholds for eligibility under PMAY, categorized by different groups you may belong to.
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PMAY Scheme Beneficiaries Categories
Find below different categories with their annual income criteria of the Pradhan Mantri Awas Yojana.
Also Read: PM to release first instalment to 1 lakh beneficiaries of PMAY (G) under PM-JANMAN on 15 January
Note: Beneficiaries need to submit their income proofs with all the other required documents when applying for the PMAY Scheme.
How to Register Under PMAY Online?
Learn below the steps to register under the PMAY scheme:
Step 1: Log in to the official website of PMAY.
Step 2: Select “Citizen Assessment” from the drop-box and then click “Benefits Under Other 3 Component”.
Step 3: Fill in your Aadhaar number and click on “Submit”.
Step 4: Once the PMAY website verifies your Aadhaar details and finds them correct, it will direct you to the next page where you will need to fill in information like your name, address, contact number, income, religion, caste and the likes.
Step 5: When you furnish all the information, type the Captcha Code at the bottom of the page and click “Submit”.
You can further edit your information using your Application and Aadhaar number.
How to Apply for PMAY Scheme Offline?
Follow these steps to apply for PMAY offline.
Step 1: Visit the nearest CSC (Common Service Centre) office operated and managed by the State Government.
Step 2: Fill out the application form by providing your details such as name, age, address, income, etc.
Step 3: Submit the application form to one of the authorised officials after making the fee payment of Rs.25 (excluding GST).
Key Takeaways on Pradhan Mantri Awas Yojana Documents
Here are a few things you need to keep in mind when providing Pradhan Mantri Awas Yojana documents.
- Gather all the essential documents and keep them handy when applying for the PMAY Scheme.
- Provide the right set of documents to avoid rejection of your PMAY application.
- Make sure that the information you have provided in the PMAY application form matches your details mentioned in the attached documents.
- Submit the required documents with updated details. For example, if you have your previous address mentioned in your aadhar card, you must update it first, and then submit for address verification purposes.
We trust that this post will assist you in understanding the list of documents required to be submitted in order to avail the benefits of the Pradhan Mantri Awas Yojana. You have the option to browse our Home Loan section to discover the home loan choices offered at affordable interest rates. You can also reach out to the National Housing Bank (NHB) on 1800-11-3377/1800-11-3388 or the Housing and Urban Development Corporation (HUDCO) at 1800-11-6163 for any questions regarding CLSS.
Also Read: PMAY Pradhan Mantri Awas Yojana 2024: Affordable Housing Scheme for All | Latest Updates & Details
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Ans 1. Documents include Aadhar card, passport photo, job card, Swachch Bharat Mission Registration Number, bank passbook, mobile number, and income certificate. Q.6 How to check the Gramin list of PM Awas Yojana?
Ans 2. Eligibility Criteria: The Pradhan Mantri Awas Yojana (PMAY) scheme is available to families with an annual income of up to INR 18 lakhs. To be eligible for the scheme, individuals must not own a permanent house in any part of India.
Ans 3. Who is eligible for PMAY subsidy ? Any household with annual income ranging from INR 3 lakh to 18 lakhs may apply. In no part of the country should the applicant or other family member have a pucca house. The recipient cannot benefit from PMAY scheme for a previously constructed building.
Ans 4. Is PMAY applicable for house purchase? The Pradhan Mantri Awas Yojana (PMAY) scheme allows house purchase through PMAY-CLSS (Credit Linked Subsidy Scheme). Eligible beneficiaries get interest subsidies on home loans for buying or constructing a new house. Income categories covered are EWS, LIG, MIG I, and MIG II.
Ans 5. The features of Pradhan Mantri Awas Yojana are that the government will provide an interest subsidy of 6.5% (for EWS and LIG), 4% for MIG-I and 3% for MIG-II on housing loans availed by the beneficiaries for a period of 20 years under credit link subsidy scheme (CLSS) from the start of a loan.
Ans 6. 1.5 Lakh from the Central Govt. for constructing or renovating an existing house. Under this scheme: The Centre will provide unit support in plain areas between Rs 70,000 and Rs 1.20 lakh and hilly and geo-difficult regions between Rs 75,000 and Rs 1.30 lakh.
Ans 7. The government aims to promote women's empowerment through this initiative as well. The PMAY requires at least one female family member to be registered as the homeowner. If a woman is listed as the co-owner of the house, a maximum subsidy of Rs. 2.67 lakhs can be availed.
Ans 8. Depending on the type of benefit applied for, there are different forms that have to be filled up. Having an Aadhar card is mandatory for filling up the form. Beneficiaries opting for the credit linked subsidy scheme can directly approach empanelled banks who provide home loans.