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  • Pradhan Mantri Awas Yojana Surat

    Pradhan Mantri Awas Yojana (PMAY - Urban), also known as Housing for All, is an initiative launched by the Government of India to provide affordable housing to the urban poor. The plan will be implemented in more than 300 cities in India and one of those cities is Surat. The response to the PMAY scheme has been overwhelming, as thousands of people throughout the country have already submitted their applications to avail benefits and subsidies.

    People of Gujarat, particularly Surat, have welcomed the Pradhan Mantri Awas Yojana with open arms. In fact, the state government is now going to construct 5,000 new houses, in addition to the 8,000 housing units that are already under construction in the city. The Metropolitan Municipality of Surat has prepared a detailed project report in order to implement the housing scheme successfully. As of April 2017, Surat Municipal Corporation, along with Surat Development Urban Authority, have together completed more than 2000 DUs.

    More than 55,000 applications have been received by the government for those 8,000 units and it is now in the process of allocating the houses to eligible candidates. Since it is expected that the applications will increase in the coming weeks, the government is quite likely to allot the additional 5,000 houses too. This gives a chance to those people who missed on applying for the housing units and subsidies under the PMAY the first time.

    If you are looking to apply for the Pradhan Mantri Awas Yojana in Surat, then you need to first determine whether you are eligible for the scheme. This will then be followed by identifying the category through which you need to submit your application. Once you have figured these out, you need to collect the required documents and upload them online, or submit them to the officials. Your application will be processed by the authorities and you can check its status online.

    How to Apply for the Pradhan Mantri Awas Yojana in Surat

    If you are looking to avail the benefits of the PMAY scheme as a resident of Surat, then you need to follow the following steps:

    1. Visit the official PMAY website at http://pmaymis.gov.in
    2. Once you have identified your category, select the appropriate component under the ‘Citizen Assessment’ section
    3. Enter your Aadhaar number and fill in the survey form. Remember that if your monthly income is more than Rs. 50,000, then you need to contact banks directly to apply for the PMAY scheme under the CLSS component
    4. Once you have filled the online form, type the captcha code at the end and submit the form. Your PMAY application process is now over
    5. You can track the status of your application as well, in the ‘Track Your Assessment Status’ section

    Eligibility Criteria for Applying Pradhan Mantri Awas Yojana in Surat

    Pradhan Mantri Awas Yojana has been designed keeping the urban poor of the country in mind. The mission targets four groups:

    • Citizens living in slums/Slum dwellers
    • Citizens who have a land of their own and are interested in construction/enhancement. They need to select the Beneficiary Led Construction category
    • Citizens who can afford to purchase/construct a house of their own. Such citizens will be eligible for subsidies on their home loan and need to select the Credit Linked Subsidy Scheme (CLSS)
    • Citizens who don’t have any land or cannot afford a home loan. They need to select Affordable Housing in Partnership category

    People belonging to Economically Weaker Sections (EWS), Lower Income Groups (LIG) and Middle Income Groups (MIG) stand to benefit from the PMAY scheme.

    The following table illustrates the income criteria and the maximum subsidy one can avail, under the CLSS component.

    Component Required household income Interest Subsidy (%) Maximum loan amount on which subsidy is calculated Maximum subsidy in Rupees
    EWS and LIG Up to Rs. 50,000 per month 6.50% Rs. 6,00,000 Rs. 2,67,000
    MIG 1 Rs. 50,001 - Rs. 1,00,000 per month 4.00% Rs. 9,00,000 Rs. 2,35,000
    MIG 2 Rs. 1,00,001 - Rs. 1,50,000 per month 3.00% Rs. 12,00,000 Rs. 2,30,000

    Apart from this, there are a couple of other things that the applicants need to keep in mind.

    • The applicant’s family must comprise husband, wife and unmarried children
    • The applicant and his family should not own an all-weather house in any part of the country
    • Women belonging to either of the aforementioned categories or minority communities will be eligible for benefits if they apply for the PMAY plan
    • People belonging to minority groups like SC/ST will be considered, provided they fulfill the caste requirements and submit the necessary documents
    • The applicant and his family should not have taken assistance from the Government of India under any housing scheme.

    Documents Required for Applying PMAY Scheme in Surat

    Considering that the Pradhan Mantri Awas Yojana is a scheme launched by the Government of India, it goes without saying that you will have to furnish a lengthy list of documents in order to successfully submit your application. They are:

    1. Application form (completed)
    2. If the income is below the taxable limit, then a self-affidavit income certificate is required
    3. Unique identification number like Permanent Account Number (PAN), Aadhaar number, voter’s ID, driving license, et cetera.
    4. Nationality identification proof
    5. Copy of address proof
    6. Income proof
    7. Latest income tax return/Form 16, if applicable
    8. Proof of category, if you belong to OBC/SC/ST/Minority
    9. Bank statement reflecting the records of last six months
    10. Self-drawn and attested financial statement/business license/a short note on the nature of business or job
    11. Valuation certificate from a certified valuer
    12. Affidavit from the applicant that he/she or any of the family members do not own an all-weather house in any part of the country
    13. Affidavit and Undertaking, stating that the construction is in an authorized area and is as per the laws. Additionally, it should also state that the loan is being taken for residential purpose only
    14. Architects/Engineers Certificate confirming the following - the cost of construction/repairs and in a case of purchase, it should also state the expected life, future, and fitness of the house/flat.
    15. If applicable, receipt of advance payment made to seller/builder
    16. No objection certificate from housing society or a competent authority
    17. The approved plan of construction
    18. Construction agreement with builder or developer
    19. Letter of allotment of property/Agreement of sale/Title deeds/Lease Deed

    Pradhan Mantri Awas Yojana Helpline Number Surat

    In case of any doubts regarding the PMAY scheme in Surat, you can always approach the officials directly. Alternately, you can call the toll-free PMAY customer care numbers to resolve your queries.

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