Pradhan Mantri Awas Yojana (Urban) is a housing initiative launched by the Government of India in 2015. The goal of this mission is to provide affordable housing to the urban poor of the country, including the Economically Weaker Sections (EWS), Low Income Groups (LIG), and Middle Income Groups (MIG) by 2022. Since its inception, the scheme has proven itself to be a big hit among the general population.
Pradhan Mantri Awas Yojana (PMAY)
Over the course of last two years, thousands of applications have been received by the government and this number is bound to increase in the coming years. People from MP too, have responded superbly to the Pradhan Mantri Awas Yojana. The MP Housing & Infrastructure Development Board (MPHIDB) has already launched several affordable housing projects throughout the region under the flagship of PMAY.
For instance, the city of Jabalpur is going to get 15,000 new houses in the next three years. These housing units are quite affordable as they are meant for candidates belonging to EWS, LIG & MIG. The construction of these houses is already in progress. Similarly, the MPHIDB is also going to construct 461 housing units meant for EWS and LIG in Shivpuri.
The construction is in full swing in the state capital, Bhopal as well. More than 1,800 residential units are already under construction as a part of the PMAY Madhya Pradesh scheme. Additional housing units will be constructed in the city in the coming months. If you are a resident of Bhopal, then visit your local municipal corporation office for more details.
If you are looking for information on how to apply for the PMAY scheme in MP, then you have come to the right place. We have prepared a short, but comprehensive guide on how to go about applying for benefits and subsidies on your home loan, under the PMAY.
Before you proceed, you need to first identify the component through which you should to apply. The Pradhan Mantri Awas Yojana primarily targets four groups and people who are looking to benefit from the plan need to belong to one of the four categories. They are:
It is important to identify the category through which you are going to apply. Once you have done so, following are the steps you need to follow:
There is a long list of documents that you need to submit successfully, to avail benefits and subsidies under the PMAY scheme. To make things convenient for you, we have compiled the list of documents required for a successful application.
Pradhan Mantri Awas Yojana MP Online Form
The application form has to be filled correctly
Identity Proof, Address Proof, and Nationality Identification Proof
The acceptable documents are PAN card, voter ID card, driving licence, Aadhaar card, passport, et cetera. For address proof, utility bills such as telephone bill or electricity bill are also acceptable.
If you belong to SC/ST/OBC or any other minority community, then you need to furnish the respective category certificate.
It is mandatory for every applicant to provide income proof. This needs to be done by submitting original salary slip, latest IT return statement, Form 16 if applicable and bank statement for the last six months. If the income is below taxable limit, then a self-affidavit income certificate needs to be provided. Similarly, if you belong to EWS/LIG category, then you need to provide a self-declaration.
If you own a business or are self-employed, then you need to provide a brief note on the nature of your business. You may also have to submit a self-attested financial statement.
Documents Related to the Property
In addition to the documents mentioned above, you also need to submit papers related to the house that you are building under the Pradhan Mantri Awas Yojana. To begin with, you need to provide a valuation certificate of your property that has been certified by a registered official.
Then, you need to submit the approved plan of construction, along with the certificates prepared by architects/engineers stating the construction and repair costs, if any, in addition to the expected life and fitness of the house. An agreement for construction with the builder, if applicable, also needs to be submitted.
You also need to furnish the documents which state that the construction is taking place in an authorized area, as per the laws. You also need to provide a No Objection Certificate and the letter of allotment of property/agreement of sale.
Lastly, you also need to submit an affidavit stating that you, or your family, do not own an all-weather house in India.
As stated before, you need to belong to either of the four categories mentioned in the previous paragraphs. In addition to this, there is also an income criterion that you need to keep in mind before applying. Remember that if your monthly income is above Rs. 25,000, then you will be able to apply only for the Credit Linked Subsidy Scheme.
|Component under CLSS Type||Required household income (per annum)||Interest Subsidy (%)||Maximum loan amount on which subsidy is calculated||Maximum subsidy in Rupees|
|EWS and LIG||Up to Rs. 6,00,000||6.50%||Rs. 6,00,000||Rs. 2,67,000|
|MIG 1||Rs. 6,00,001 - Rs. 12,00,000||4.00%||Rs. 9,00,000||Rs. 2,35,000|
|MIG 2||Rs. 12,00,001 - Rs. 18,00,000||3.00%||Rs. 12,00,000||Rs. 2,30,000|
There are a couple of other points that you need to consider before submitting your application:
In case of any queries regarding the PMAY scheme in MP, you can call the toll-free numbers to get in touch with a customer representative.
Another option is to visit your local municipal corporation office and speak to an official directly. Furthermore, you can visit the official PMAY website and browse through the frequently asked questions section to clarify any doubts you may have. You can also visit the official website of Madhya Pradesh Housing & Infrastructure Development Board at www.mphousing.in to learn about the upcoming projects or get in touch with the right authorities.
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