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    Pradhan Mantri Awas Yojana Uttar Pradesh

    The Government of India has launched a housing for all initiative, known as Pradhan Mantri Awas Yojana. As per this scheme, the government will be providing affordable housing units to the urban poor in India through subsidy schemes and other benefits. Uttar Pradesh is one of the nine states that has been chosen for the plan.

    The state government is already firing on all cylinders to provide affordable housing to people belonging to the Economically Weaker Sections (EWS), Low Income Groups (LIG) and Middle Income Groups (MIG).

    For example, the State Urban Development Agency (SUDA Uttar Pradesh) has already approved the construction of thousands of housing units throughout the state.

    These units will be constructed under the Beneficiary led Construction scheme (BLC), as a part of the Pradhan Mantri Awas Yojana Uttar Pradesh. To list a few statistics, the city of Allahabad has had more than 6,000 housing projects sanctioned under the BLC plan. Similarly, in the holy city of Varanasi, more than 8,000 projects have been approved.

    Similarly, the state government has launched the Mukhyamantri Awas Yojana, which is aimed only at those living below the poverty line. The main objective of this plan is to provide housing to the poor people in the state. Moreover, the central and state government will provide financial help to the beneficiaries.

    Needless to mention, there are certain eligibility criteria which have to be fulfilled in order to successfully avail the benefits of the Pradhan Mantri Awas Yojana in Uttar Pradesh. These conditions can be found in the paragraphs mentioned below.

    Pradhan Mantri Awas Yojana Uttar Pradesh Eligibility Criteria

    The PMAY - Urban scheme is directed primarily towards the people belonging to EWS, LIG and MIG. One of the components of the Pradhan Mantri Awas Yojana is the Credit Linked Subsidy Scheme (CLSS), under which the beneficiaries who have taken a home loan will get the subsidy on the interest payments. Keep in mind that if it’s a married couple that is applying for the subsidy, they will receive only one subsidy, irrespective of the ownership status of the property.

    The following table illustrates the household income conditions that have to be met, to get the subsidy.

    CLSS Criteria

    Category Eligible Household Income Maximum Subsidy
    EWS and LIG Up to Rs. 6 lakh per annum Rs. 2.67 lakh
    MIG 1 Rs. 6 lakh - Rs. 12 lakh Rs. 2.35 lakh
    MIG 2 Rs. 12 lakh - Rs. 18 lakh Rs. 2.30 lakh

    In addition to the CLSS, there are a few other components under the Pradhan Mantri Awas Yojana that have been designed keeping the following criteria in mind:

    • The In Situ Slum Rehabilitation (ISSR) component is to be selected by those people who are living in slums
    • The Beneficiary led Construction component is to be chosen by those who own land/house and are interested in construction/extension.
    • The CLSS component is to be selected by those who can afford to purchase/construct/enhance house with the help of home loans
    • Lastly, there is the Affordable Housing in Partnership (AHP) component, which is selected when the applicant cannot afford a home loan or does not own any land

    People who have selected the ISSR component will get a grant of Rs. 1 lakh per housing unit from the government, while those who have opted for the AHP and BLC components will get assistance in the form of Rs. 1.5 lakh per unit.

    While filling out the application form for the benefits of the scheme, it is important that you select the suitable component. However, there are certain conditions that have to be fulfilled before you even begin the process. They are:

    • You or your family must not own an all-weather house in any part of India
    • You or your family should not have taken assistance from the Government of India, under any housing-related scheme

    How to Apply for Pradhan Mantri Awas Yojana in Uttar Pradesh

    If you reside in Uttar Pradesh and are looking to avail the features and benefits of the PMAY scheme, then the following are the steps that you need to follow:

    1. Visit the official website of the Pradhan Mantri Awas Yojana - http://pmaymis.gov.in/
    2. Click on ‘Citizen Assessment’ option
    3. You need to select the appropriate category. If you live in a slum, then you need to select ‘For Slum Dwellers’; otherwise, select ‘Benefit under other 3 components’
    4. You will then be directed to a page where you need to enter your Aadhaar number
    5. Upon successfully entering your Aadhaar number, a form will appear on the page that you need to fill correctly
    6. Lastly, type the captcha code in the box provided at the end of the page to successfully submit your application
    7. Alternately, you can also visit the official website of the State Urban Development Agency (SUDA), Uttar Pradesh at http://www.sudaup.org/ for more information.

    How to Track the Application Status of PMAY Uttar Pradesh

    After you have submitted your application online, you can track its status by performing the steps shown below:

    1. Visit the official PMAY site at http://pmaymis.gov.in/
    2. Click on ‘Citizen Assessment’ option
    3. Under the option, select ‘Track Your Assessment Status’
    4. Once you have selected this option, you will be asked to fill in the ‘Track Assessment Form’
    5. There are two ways to fill the form, as shown below:

    Type 1 - By Name, Father’s Name & ID Type

    If you select this type, you will have to enter the details like state name, district name, city name, et cetera, along with your name and mobile number. You also need to select the ID type and enter the corresponding number.

    Type 2 - By Assessment ID

    This option is easier as you have to enter only the Assessment ID and your mobile number.

    After submitting the details mentioned above, you will be able to track the status of your application successfully.

    Documents Required for PMAY Application

    The following are the documents that you need to submit, along with your duly filled in application form.

    • Identity Proof and Address Proof - These documents include PAN card, voter ID, Aadhaar card, driving license, valid passport, et cetera. For address proof, you can submit most recent utility bills like telephone bill, electricity bill and et cetera, along with any of the aforementioned documents.
    • Proof of Income - You need to submit income proof documents along with your application. These can be latest salary slips, Form 16, latest tax returns, or bank statement of the salaried account ranging over last six months. For self-employed, this can also include the balance sheet, self-attested financial statement and the profit and loss account.
    • Property documents - There is a long list of property documents that have to be furnished such as valuation certificate, approved plan of construction, Agreement of Sale, affidavit that the beneficiary’s family does not own an all-weather house in any part of the country, NOC from the housing society, receipt of advance payments, et cetera.

    PMAY Helpline Numbers

    In case of any queries related to the Pradhan Mantri Awas Yojana in Uttar Pradesh, you can get in touch with the customer care representatives by calling the toll-free numbers mentioned below:

    Alternately, you can also get in touch with the officials from SUDA, Uttar Pradesh at 0522-2286709.

    Home Loan - Sitemap

    Uttar Pradesh to Get Over 8,500 Houses Under the PMAY Reviews

    • DHFL Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have a home loan with DHFL INSTITUTION . I got option of preclosere and it is very nominal . The process to get the loan is fine. The rate of interest is fine even processing fee nominal . The loan was provide on time and the documentation was collected on time too. I received the loan amount as expected.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2019
    • ICICI Bank Home Loan
      "Useful for private employee people"
      0.5 4.0/5 "Great!"
      In 2006, I have taken my housing loan with ICICI Bank. During that time, they have assured me a lower interest rate hence i have chosen them. After 1 year, they have increase the interest rate which is higher than other bank hence i have done the pre-closure. Processing fee and interest rates were very high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • Bank of Baroda Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience i had with this loan has been quite good where the process was very simple and smooth. The loan amount which they had provided has been sufficient and the interest rate which they offered me was very less when compared with the market rate. The charges which they had made has been nominal as well.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 18, 2019
    • Indiabulls Home Loan
      "Good loan services"
      0.5 4.0/5 "Great!"
      In March 2018, I have applied the home loan with India bulls. My friend has recommended about the indiabulls loan. They have given me a interest rate of 8.35% and I'm happy with it. I have received the loan in 20 days. I have no idea about the processing fee. Total tenure period the loan is 20 years. I am making the EMI through ECS.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 18, 2019
    • Canara Bank Home Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It was quite a good experience with this home loan, the interest rate with them was a little high initially but it has been reduced afterwards. There has not been any hidden charges which they had made and the processing fee has been very nominal. Their customer support has been excellent in guiding in everything.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • SBI Home Loan
      "Good in Service"
      0.5 3.0/5 "Satisfactory"
      When i was looking for a home loan, I had applied with with SBI . When i had submitted the documents , my application was taken care and it was processed. There was no delay and processing was on time. Interest rates are reasonable compare to the market value.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jan 18, 2019
    • LIC Housing Home Loan
      "Interest rate should be flexible"
      0.5 4.0/5 "Great!"
      LIC housing is providing good interest for home loan, but when govt reversed the rate of interest, I got higher percentage and they have taken some processing fee from the disbursement. But they didn't give any insurance. Anyway LIC housing has balance transfer, part payment and foreclosure option.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • SBI Home Loan
      "Best financial service"
      0.5 5.0/5 "Blown Away!"
      I have taken home loan from State bank of India where i have transfered the loan from other bank . Where they are giving satisfying rate of interest . There is nominal charges for the processing fees for the documentation . Am pretty much satisfied with the rate of interest which they have provided.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 18, 2019
    • Kotak Home Loan
      "Best financial service "
      0.5 5.0/5 "Blown Away!"
      I have taken Housing loan from the Kotak mahindra bank , They have given Fair rate of interest based on the market price . They did instant approval process as fast as they can do . . There is no nominal processing fees as every bank i used to charge which is minimal .Overall am satisfied with the financial service .
      Was this review helpful? 0
      , pune
      Reviewed on Jan 18, 2019
    • Axis Bank Home Loan
      "Right bank to fulfill your dream home"
      0.5 3.0/5 "Satisfactory"
      Last August i have purchased my home loan from Axis Bank. Since the rate of interest is less and I'm existing customer of Axis bank for last 11 years hence i have chosen them. Processing fee was nominal. I have applied the loan amount of Rs. 22 lakhs which is sanctioned bit delayed.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • SBI Home Loan
      "Very Good Service"
      0.5 4.5/5 "Excellent!"
      It was quite a good experience with them, where the loan amount which they had provided has been sufficient, the service charges where nominal. The interest rate with them has been less when compared to other banks. There has not been any charges additionally and the customer support of them has been helpful as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2019
    • SBI Home Loan
      "Good Financial service"
      0.5 4.5/5 "Excellent!"
      Rate of interest is bit low compared to other bank they have given best rate of interest am fully satisfied with it , They took time like 1 month for the processing and approval for the documentation as they do property evaluation . . They have charges some nominal fees for the housing loan approval Am pretty much satisfied with the customer service .
      Was this review helpful? 1
      , kochi
      Reviewed on Jan 18, 2019
    • Citibank Home Loan
      "Can do better"
      0.5 3.0/5 "Satisfactory"
      Ten years back I took home loan from Citi Bank at that time, the interest is higher and I done lots of documentation. CITI bank deal is not good, I done the foreclosure but I didn't pay any extra fee. They do have balance transfer, part and foreclosure options.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2019
    • Bajaj Finserv Home Loan
      "Bajaj Finance / Fineserv are CHEATERS"
      0.5 0.5/5 "Unacceptable"
      Bajaj Finserv and finance makes false promises and then cheat the customer. They should be punished for doing it. They are terribly horrible. Don't go for any products or loans from Bajaj, they will certainly cheat you in some way and won't care about you once they have collected their fees and start increasing interest. Customer feels helpless and frustrated.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 18, 2019
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my home loan with ICICI bank,they have given me sufficient loan amount,and the rate of interest they have charged me up to 8.9% it is not fixed,it varies according to market rate, and they have not charged me processing fee as it is zero processing fee, and the loan is still running,overall service is good.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 17, 2019
    • IDBI Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using my housing loan with IDBI bank, they have given me sufficient loan amount, and the rate of interest they have charged me up to 8.45% which was nominal for me, and the processing fee they have charged me was nominal, and still my loan is running,till now i had good experience.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 17, 2019
    • SBI Home Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I had taken my housing loan with State bank of India, the loan amount they have given me was sufficient but was below to my expectation ,was okay for me , and the rate of interest they have charged me was nominal,and the processing fee they have charged me was very nominal,there overall service was good, now my loan got closed.
      Was this review helpful? 2
      , chennai
      Reviewed on Jan 17, 2019
    • Bank of India Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using my housing loan with Bank of India, there service was good ,they have given me sufficient loan amount, and the rate of interest they have given me was up to 8.5% now,the rate of interest is not fixed it use to fluctuate according to market price, and the processing fee they have charged me was nominal,there mobile application and net bank is good, there application is user-friendly,but if i took loan from Hyderabad bank but i am in Bangalore branch then they will not help me out in this only on that bank they will be helping out if i had any issue or query.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • Bank Bazaar Home Loan
      "It was a good experince and very easy to reach them and talk"
      0.5 3.5/5 "Pretty good"
      I feel very good. Bank Bazaar approve my loan. I got a call from Bank Bazaar customer service. They will help me provide me loan. Customer service agent also very polite and well behaved. I think this Company provide very good service and they help people a lot. It was a good experience and very easy to reach them and talk them and also you can easily apply their staff is also very good.
      Was this review helpful? 2
      , delhi
      Reviewed on Jan 16, 2019
    • SBI Home Loan
      "Good Experience for Housing loan"
      0.5 4.0/5 "Great!"
      SBI is best for the home loan, they come down to 9% of interest its good compared to private sectors. The documentation verification is very easy and very secured as well. Even the bank gave me balance transfer, pre closure, part closure options.
      Was this review helpful? 4
      , mumbai
      Reviewed on Jan 14, 2019
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