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The state of Haryana falls under the “Urban” category of the Pradhan Mantri Awas Yojana (PMAY) scheme. The PMAY housing for all plan was launched by the Ministry of Housing & Urban Poverty Alleviation (MOHUPA) with a vision to provide a proper house for every family residing in India. Before you read the information related to the PMAY guidelines in Haryana, let’s start with a quick introduction as to what the scheme is all about. The Pradhan Mantri Awas Yojana (or PMAY) was launched in June 2015 as an initiative taken by Narendra Modi, the Prime Minister of India, to offer affordable housing to the slum dwellers and the economically weaker sections or the urban poor in the country.
As per the PMAY Urban housing scheme, The Central Government of India has proposed to build about 2 crore houses for the Indian groups belonging to the groups listed below:
Note: The houses allotted under the Pradhan Mantri Awas Yojana subsidy will be owned by:
The PMAY scheme is primarily aimed at the people belonging to the backward class, especially the ST/SC groups and the EWS (Economically Weaker Section) in the country. Therefore, the eligibility requirements are set by keeping these groups of citizens in mind.
An applicant has to submit adequate proof that he or she falls under any of these categories. Besides this, the PMAY Housing for All scheme also targets women empowerment irrespective of their religions or castes.
To avail the PMAY Housing for All scheme in Haryana, an applicant has to meet the eligibility criteria that are set by the PMAY board. Applicants who fall in any of these distinct groups are eligible to apply. These include:
Carpet area is the region of a house that is bounded by the four walls, minus the thickness of each wall. As per the PMAY guidelines, the basic infrastructure of a carpet area is constructed with 30 square meters. But this is flexible. The Union Territories and the State have the right to decide the average size of the house. Here is an outline of the total square meters that can be covered for the house under each category of the PMAY scheme.
Category Type | Earlier Carpet Area | Current Carpet Area |
---|---|---|
LIG (Lower Income Group) | 60 square meters max. | 60 square meters max. |
EWS (Economically Weaker Section) | 30 square meters max. | 30 square meters max. |
MIG 1 (Medium Income Group 1) | 90 square meters | Increased to 120 sq.mt |
MIG 2 (Medium Income Group 2) | 110 square meters | Increased to 150 sq.mt |
The complete loan structure for applicants falling under each category is explained below.
Structure | Amount |
---|---|
Eligible loan amount | Rs.3 lakh |
Loan amount taken | Rs.3 lakh |
Interest subsidy granted | Rs.1,33,640 |
Balance amount of the loan | Rs.1,66,360 |
Original EMI that was to be paid | Rs.2,895 |
Reduced EMI amount after the subsidy credit | Rs.1,605 |
Monthly savings | Rs.1,290 |
Yearly savings | Rs.15,480 |
Structure | Amount |
---|---|
Eligible loan amount | Rs.6 lakh |
Loan amount taken | Rs.6 lakh |
Interest subsidy granted | Rs. 2,67,280 |
Balance amount of the loan | Rs.3,32,720 |
Original EMI that was to be paid | Rs.5,790 |
Reduced EMI amount after the subsidy credit | Rs.3,211 |
Monthly savings | Rs.2,579 |
Yearly savings | Rs.30,948 |
Structure | Amount |
---|---|
Annual income of the household | Rs.12 lakh |
Eligible loan amount from the subsidy | Rs.9 lakh |
Interest rate on the subsidy for each year | 4% |
Maximum interest amount on the subsidy | Rs.2.35 lakh |
Discount rate for NPV (Net Present Value) on the interest | 9% |
Maximum loan tenure | 20 years |
EMI amount to be paid on a monthly basis with interest (at 8.65%) | Rs.5834 |
EMI amount to be paid on a monthly basis without interest | Rs.7894 |
Maximum carpet area on the unit | 120 sq.mt |
Structure | Amount |
---|---|
Annual income of the household | Rs.18 lakh |
Eligible loan amount from the subsidy | Rs.12 lakh |
Interest rate on the subsidy for each year | 3% |
Maximum interest amount on the subsidy | Rs.2.3 lakh |
Discount rate for NPV (Net Present Value) on the interest | 9% |
Maximum loan tenure | 20 years |
EMI amount to be paid on a monthly basis with interest (at 8.65%) | Rs.8059 |
EMI amount to be paid on a monthly basis without interest | Rs.10,528 |
Maximum carpet area on the unit | 150 sq.mt |
Given below is the cumulative list for 2016-2017 to 2021-2021:
Target by Ministry of Rural Development | 21502 |
Target by Haryana | 21502 |
Registered | 21370 |
GEO Tagged out of Registered | 21277 |
Sanctions out of GEO Tagged | 20959 |
Sanctions with verified Accounts | 20944 |
First Instalment | 20940 |
Second Instalment | 20652 |
Third Instalment | 20462 |
Fourth Instalment | 0 |
Total Completed | 20516 |
The Pradhan Mantri Awas Yojana in Haryana can be applied in any one of the two categories listed below:
After choosing anyone from the categories mentioned above, the next step is to apply online.
Step 1: Go to the PMAY’s official website: pmaymis.gov.in
Step 2: If the applicant has chosen the category as “Under the Other 3 Components,” then the steps to apply for the PMAY housing scheme online are as follows:
Step 3: If the applicant has chosen the category as “Slum Dwellers,” then the steps to apply for the PMAY housing scheme online are as follows:
Any applicant can avail for the PMAY CLSS (Credit Linked Subsidy Scheme) subsidy, given that he/she and any of his/her direct family member does not own a proper house in any location in India. Apart from this, the applicant also has to meet the required income criteria.
An applicant’s or beneficiary’s family can include his/her spouse, and children (but unmarried). On the other hand, each earning adult in the family in spite of his/her marital status is considered as a separate household in the MIG category.
No. The urban subsidy is only meant for the families without a home in the urban region. It does not apply to the rural regions.
Yes. A woman’s co-ownership is compulsory for an applicant who comes under the EWS or LIG category. But make a note that this condition is not applicable for house extension/self-construction in the MIG category.
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