Pradhan Mantri Awas Yojana, launched in 2015, is one of the most ambitious initiatives taken up by an incumbent prime minister in India. Though it is an extension of the Housing for All scheme started by the UPA government in their previous term, the NDA has very much made the project its own. With the plan, the union government is aiming to eradicate homelessness by providing homes for people before 2022.
Pradhan Mantri Awas Yojana (PMAY)
The Maharashtra Housing and Area Development Authority (MHADA) is officially part of PMAY and is currently running surveys to better understand the scope of the project. Through the survey, the civic authority will get a clear idea of how many beneficiaries there will be and the locations they should be building the houses in. Information available from sources reveal that the authority has already earmarked several key areas where affordable housing units will be constructed.
In order to receive affordable housing under PMAY, people need to follow the official procedure, which requires you to apply online. Here’s how to do it:
Every individual applying for housing under PMAY needs to provide the following information:
These are the documents every applicant needs to have ready to receive housing under the Pradhan Mantri Awas Yojana.
The union government has set the eligibility criteria which every PMAY applicant needs to meet. Here’s what it looks like for different sections of the society.
|Economically Weaker Section (EWS)||People who earn a yearly income less than Rs.3 lakh are categorised under the EWS category. However, an applicant claiming to be from EWS needs to provide relevant proof to support their claims.|
|Low Income Group (LIG)||LIG members are those who have a yearly income between Rs.3 lakh to 6 lakh. Again, to be eligible for consideration, they need to provide sufficient proof of their economic standing.|
|Medium Income Group (MIG1)||People who earn an annual household income of less than Rs.12 lakh come under the MIG1 category. These people can avail loans of up to Rs.9 lakh for the construction of a residence.|
|Medium Income Group (MIG2)||People that earn a yearly income between Rs.12 to Rs.18 lakh will fall under MIG2 of the PMAY scheme. These people can avail loans of up to Rs.12 lakh.|
|Minorities||Individuals from minority groups like SC/ST/OBC will fall under minorities. To be considered under the PMAY scheme, these people need to meet to provide relevant caste and income certificates.|
|Women||Women belonging to EWS/LIG categories will be considered if they apply under the PMAY scheme.|
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