PM Awas Yojana 2024 (PMAY), the central government is trying to eliminate the housing shortage in the country. PM Awas Yojana 2024 is mainly divided into two parts – first PM Awas Yojana for urban area and second PM Awas Yojana 2024 for rural area.PM Awas Yojana 2024 was initially run for 7 years. This mission was implemented from FY 2015-16 to FY 2021-22, but now the tenure of PM Awas Yojana 2024 (PMAY) has been extended. A target of building more than 3 crore houses has been set in the Union Budget for the year 2024-25. Out of these 3 crore houses, 1 crore houses will be built under PMAY-Urban 2.0. In this article you will know how the beneficiaries of PM Awas Yojana 2024 are selected and how you can apply to avail the benefits of this scheme. Know its complete process here –
What is the last date to get 2.67 lakh subsidy on home loan in 2024?
One can apply for PM Awas Yojana 2024 (PMAY) online and offline. The last date to avail subsidy on home loan under PMAY scheme is December 31, 2024. Also, the central government has extended the deadline for MIG (I and II) under the Credit Linked Subsidy Scheme (CLSS) to December 31, 2024.
PMAY Online Form: Key Details
| Where can I get the online forms for PMAY scheme- | https://pmaymis.gov.in/ |
| Categories of beneficiaries of this scheme | EWS, LIG, MIG-1, MIG-2 |
| Last date to fill the online form for EWS and LIG categories | The date is extended from time to time. |
| Last date to fill PMAY online form for MIG category | The date is extended from time to time. |
| Types of PMAY Online Form | Economically Weaker Sections (EWS)Low Income Group (LIG) Middle Income Group-I (MIG-1) Middle Income Group-II (MIG-2) |
How to fill PMAY form online and apply?
Step-1 : First of all go to the official website of PMAY https://pmaymis.gov.in/
Step-2 : Click on the option of ‘Citizen Assessment’ on the home page and go to the drop-down menu and select ‘Apply Online’. Here you will see 4 options, in which you have to select the option that is suitable for you.
Step-3 : To apply online under PMAY 2024, select the option of ‘In Situ Slum Redevelopment (ISSR)’. Here on the next page you will be asked for Aadhaar number along with name. After filling all the information, click on check to verify the Aadhaar number.
Step-4 : After this you will see a detailed form ‘Format-A’. All the information of the applicant is sought in this form. Fill each column after reading it carefully.
Step-5: Fill the online form of PM Awas Yojana 2024Â Â very carefully. Enter the personal information, income details, home address, bank account details and captcha code asked in the form. Finally submit after verifying the information.
How to download online form for PMAY 2024?
- step-1Â : First of all go to the official website of PM Awas Yojana 2024 pmay mis.gov.in.
- Step-2Â : To fill the online form of PM Awas Yojana 2024, you will get the option to access the PMAY online application form by providing information like father’s name, mobile number or assessment ID etc. on the website. Fill in the complete details by choosing any one of the options given here.
- Step-3 : After this, you can view the PMAY online form and also download it. Â
How to apply offline for PM Awas Yojana 2024?
For PM Awas Yojana 2024, applicants can also fill the PMAY form offline by visiting the Common Service Center (CSC) run by the state government or the banks listed under PM Awas Yojana 2024. To fill the PMAY-2024 registration offline form, the applicant will have to pay a charge of Rs 25.
Types of houses of PM Awas Yojana 2024
- In-Situ Slum Redevelopment (ISSR):Â Â This is for rehabilitation of people living in slum areas. Under this, the central government gives Rs 1 lakh to eligible beneficiaries and helps in redeveloping the land under the slum area.
- Affordable Housing in Partnership (AHP):Â Â Under this, central assistance up to Rs. 1,50,000 is given to the beneficiaries of EWS category through central agencies or in partnership with the private sector and houses are constructed under the affordable housing project.
- Beneficiary-led Individual House Construction/Enhancement (BLC):Â Â Pradhan Mantri Awas Yojana has a provision under this scheme where people especially from EWS category can either construct a new house or renovate an existing house with central assistance of Rs 1,50,000.
- Credit Linked Subsidy Scheme (CLSS):Â Â The government provides central subsidy at lower interest rates on home loans between Rs 6 lakh and Rs 12 lakh to reduce the interest and total loan amount for first-time loan borrowers to construct a house.
You can apply for PM Awas Yojana under these 2 categories
Under PM Awas Yojana 2024 applicants can apply online for PMAY-2024 under two broad categories –
slum dwellers
Slum dwellers are people who live in poor living conditions in informal settlements in cities.
Under other 3 categories
PMAY applicants under this category are divided into sub-categories:
| Beneficiary class | Annual family income | Subsidy Rate |
| Economically Weaker Sections (EWS) | Up to Rs 3 lakh | 6.5 percent Lower Income Group (LIG) Rs 3 to 6 lakh 6.5 percent Middle Income Group-1 (MIG-1) 6 to 12 lakh rupees 4 percent Middle Income Group-2 (MIG-2) 12 to 18 lakh rupees 3 percent |
How to apply online for PMAY under the other 3 categories?
- Log on to pmaymis.gov.in.
- Apply by selecting your eligible benefits under the other 3 categories under the ‘Citizen Assessment’ dropdown.
- Applicant should enter his/her Aadhaar number and click on submit button.
- After this, enter all the details asked and enter the captcha code and click on the submit button.
- You can also edit Pradhan Mantri Awas Yojana application online by accessing your application form by entering the Aadhaar card number.
- On the other hand, to apply for PMAY online under the slum dwellers category, choose the slum dweller option under the Citizen Assessment option and follow all the steps mentioned above.
Who is not eligible for PM Awas Yojana 2024?
- People whose annual income is more than Rs 18 lakh are not eligible for PM Awas Yojana 2024.
- Under this scheme, those people are also ineligible who have a pucca house in any state of the country.
- People who have availed any government subsidy to buy their first home also cannot avail the benefit of Pradhan Mantri Awas Yojana.
Keep these things in mind while applying online for PMAY
- Applicants must check their eligibility details carefully and then proceed further.
- The applicant must have his/her valid Aadhar card. Otherwise you cannot apply for Pradhan Mantri Awas Yojana.
- The applicant must provide all the required information along with the application. All the information must be given accurately so that the form is not rejected.
PMAY Online Application 2024: These are the required documents
Documents required for salaried employees
- Proof of Identity: PAN Card/Aadhaar Card/Voter ID or Driving License
- For identification of nationality: Voter card or Aadhar card (original and a photocopy)
- Proof of Category: SC/ST/OBC/Minority Certificate
- Home Address Proof: Aadhaar Card/Driving License
- Income Certificate: Salary Slip or Appointment Letter or Salary Certificate
- LIG/EWS Income Certificate
- Form 16/Income Tax Assessment Order/Income Tax Return filed this year
- Certificate of valuation of property
- Bank statement for the last 6 months
- Complete planning for house construction
- No objection certificate from the housing society or any relevant authority
- Certificate for total construction cost
- Agreement for construction of house
- All receipts for advance payments made for house construction
- Allotment letter/agreement of the property or any other related document
- An affidavit that the applicant or any member of his family does not own a pucca house anywhere in the country.
For self-employed or self-employed people
- Identity Proof: PAN Card/Aadhaar Card/Voter Card/Driving License
- Certificate of Nationality: Voter Card or Aadhar Card
- Certificate for identification of category: SC/ST/OBC/Minority certificate
- Home Address Proof: Aadhar Card/Driving License
- Income Certificate: Form 16/Income Tax Assessment Order/Income Tax Return filed for the current financial year.Â
- Financial report certifying the nature and activities of the self-employment or business
- Bank statement for the last 6 months
- complete house construction plan
- No objection certificate from the housing society or the concerned authority
- Certificate of total construction cost
- Detailed copy of the agreement between the developer and the builder for the construction of the house
- All receipts for any advance payments made for house construction
- Property allotment letter or agreement or other related documents
- Affidavit admitting that the applicant or any of his family members do not own a pucca house anywhere in the country.
Verification of PMAY application
After submitting the application for PM Awas Yojana 2024, the concerned officials check the following about the applicant before taking the final decision whether the candidate is eligible to get subsidy under Pradhan Mantri Awas Yojana or not:
Verification of all documents: The concerned officer first checks the documents or certificates that have been submitted by the beneficiary along with the PMAY application. In this, the authenticity of Aadhar card, address proof, income proof etc. is checked.
PMAY Field Verification: In some special cases, the officials may visit the field to verify the information given in the application. In such a case, the current address and other related information given by the applicant can be verified.
PMAY Income Verification: Officials associated with PM Awas Yojana 2024 can check the income related documents provided by the applicant. Through this verification, the officials ensure that the benefit of Pradhan Mantri Awas Yojana is given only to those people who are eligible as per the criteria set under this scheme.
Criminal background check of the applicant: In some special cases, the officials can also check whether the applicant has any criminal background. If any criminal record is found of the applicant, then the applicant may be disqualified from getting the benefit of Pradhan Mantri Awas Yojana.
Beneficiary Identification: Eligible applicants are identified as beneficiaries under PM Awas Yojana 2024 after the verification process is completed.
PMAY Approval and Allotment: After successful verification, eligible beneficiaries are approved for housing benefits under PM Awas Yojana 2024. After this, the housing allotment process is started based on availability and other criteria.
Contact with applicants: During the verification process, applicants may also be contacted by officials to obtain additional information or clarifications. Responding promptly and satisfactorily to any communication from officials can speed up the verification process.
Check Application Status: Applicants can check their application status online by visiting the official website of PMAY using the Application Reference Number of their application. This helps the applicant to keep track of the progress of their application during the verification process.
Final Decision: Based on the results of the verification, a final decision is taken on the eligibility of applicants for PMAY benefits. Approved beneficiaries are given housing assistance as per the scheme guidelines.
How to check application status of PM Awas Yojana 2024?
- Step-1 : First of all go to this link in the browser of your computer, laptop or mobile –  https://pmaymis.gov.in
- Step-2Â : Select the option of ‘Citizen Assessment’ at the top of the home page of the website.Â
- Step-3 : From the various options displayed on the screen, select the option ‘Track Your Assessment Status’ given at the bottom of the menu.Â
Here you can check PMAY application status in two ways –
- Option-1Â : Through Assessment IDÂ
- Option-2Â : Through registered mobile number
How to check PMAY application status with assessment ID
- Step-1: Enter the Assessment ID and registered mobile number to track PMAY application status.
Check application status by name and mobile number
- Step-1Â : Here you have to choose the option to check application status by name, father’s name or by ID.Â
- Step-2Â : You will have to fill in your state, city, district, father’s name, Aadhaar card, driving license, passport etc. details and enter your registered mobile number.Â
How to check the amount of subsidy received by PMAY beneficiaries?
- Step-1 : First of all go to the official website of PM Awas Yojana 2024 – https://pmaymis.gov.in/
- Step-2Â : Go to the ‘Find Beneficiary’ option on the home page of the website and click on the ‘Beneficiary wise funds released’ option.
- Step-3Â : After this a new page will open, in which you will have to enter your mobile number. After this click on ‘Send OTP’ option.
- Step-4Â : Now an OTP will come on your registered mobile number. Enter it and after this you can check how much subsidy amount has been released for you under Pradhan Mantri Awas Yojana.
Contact here for assistance in PMAY
Apart from the above information, if you want any additional information or assistance under PM Awas Yojana 2024, then you can also contact the office of the Ministry of Housing located in New Delhi, whose address is –
Raj Kumar Gautam
Director (HFA – 5)
Ministry of Housing and Urban Affairs(AOHUA)
Room No. 118, G Wing
NBO Building
Construction building
New Delhi – 110011
You can also call and email on these numbers and mail IDs.
Phone
011-23060484
011-23063285
public.grievance2022@gmail.com
pmaymis-mhupa@gov.in
Number for any complaint related to PMAY
Phone Number
011-23060484
011-23063285
email id
public.grievance2022@gmail.com
pmaymis-mhupa@gov.in
Address
MoHUA, Room No. 118, G Wing
NBO Building
Construction building
New Delhi – 110011
Be careful, apply for PMAY only from authorized centers
Under PM Awas Yojana 2024, eligible beneficiaries can also register themselves online through the official website of the Ministry of Housing. Apart from this, registration can also be done at the Common Service Center (CSC) run by the state government or central government by paying a fee of Rs 25 along with GST.
Let us tell you that the Ministry of Housing has not authorized any private institution or individual for the registration of PMAY beneficiaries. If any person or institution registers unauthorizedly using the name or people of the ministry, then it will be liable for legal action.
Maximum subsidy on home loans reduced under PMAY Urban 2.0
Under PMAY Urban 2.0, recently the central government has reduced the maximum subsidy on home loan from Rs 2.67 lakh to Rs 1.80 lakh. Now the subsidy will be given to the beneficiaries taking home loan in 5 annual installments.
Housing.com’s View
PM Awas Yojana 2024 (PMAY) is an ambitious scheme of the Central Government, under which housing facilities are provided at affordable rates to all the homeless people of the country. If you are also an eligible beneficiary of PMAY, then you can apply online on the basis of the information given above. For the convenience of most of the people, the Central Government has extended the subsidy of Rs 2.67 lakh on home loan for housing under the PMAY scheme till December 31, 2024. Once you apply for PM Awas Yojana 2024, you can also track it that when your house will be constructed under the scheme and by when it will be handed over to you. Here also keep in mind that be careful while presenting all the documents related to this scheme and any fraud in this regard will be dealt with strictly. Also you may lose your money and the housing unit allotted to you.
Frequently Asked Questions
How many houses will be constructed under PM Awas Yojana 2024 in Budget 2024?
As per the provisions of Budget 2024, a total of 3 crore houses will be constructed under PM Awas Yojana 2024, out of which 1 crore houses will be constructed under PMAY-Urban 2.0.
What is the last date to apply for PMAY-2024?
The last date for application under PM Awas Yojana 2024 is 31 December 2024.
How can I download the application form for PMAY-2024?
Once your application is submitted, go to https://pmaymis.gov.in/, select the ‘Citizen Assessment’ option and choose ‘Print Assessment’ from the drop-down menu. You can then check the application form by choosing one of the following options, such as by name, father’s name and phone number or by assessment ID. Here you choose your option and click on the ‘Print’ button to download the PMAY application form.
Can I apply for PMAY myself?
Yes, if you are eligible under this scheme then you can apply yourself. Eligible beneficiaries can register themselves online through the official website of the ministry.
Who are eligible for the benefits of PMAY scheme?
PM Awas Yojana 2024 is for such people who have kutcha houses and do not have a pucca house anywhere in the country. Apart from this, such people can apply under this scheme, whose annual income is not more than 18 lakhs. Such people cannot take benefit under this scheme, whose family member has already taken advantage of any other government housing scheme.
What is the maximum subsidy you can get under PM Awas Yojana 2024?
The central government has reduced the maximum subsidy on home loans from Rs 2.67 lakh to Rs 1.80 lakh under PM Awas Yojana 2024 Urban 2.0. The subsidy for home loan beneficiaries will now be given in 5 annual installments.
Which documents are required for PMAY?
The documents required for PMAY include proof of your current home address, passport, voter card, identity and residence certificate verified by a public authority, rent agreement on stamp paper, residence certificate, Aadhaar card, bank statement, etc.
Can I get home loan for PMAY from any bank?
Absolutely, you can get PMAY home loan from any bank under PM Awas Yojana 2024.
Can I apply for PMAY twice?
No, you can apply only once under PM Awas Yojana 2024. More than one housing application from the same person is not allowed under this scheme.
How are beneficiaries identified under PMAY?
A demand-based approach is followed under PM Awas Yojana 2024. In this, eligible beneficiaries are identified through demand survey based on state specific criteria.
How is subsidy released to the beneficiaries under PMAY?
PMAY subsidy is released by Central Nodal Agencies (CNAs) based on the disbursements made by Primary Lending Institutions (PLIs) to the beneficiaries. The subsidy given by the Central Nodal Agencies is credited to the PLI borrower’s account in advance and is deducted from the principal loan amount. For example, let us assume that a borrower has taken a loan of Rs 6 lakh and the subsidy on this amount amounts to Rs 2.20 lakh. In such a case, the amount of Rs 2.20 lakh will be deducted from the loan in advance i.e. now the loan amount will become Rs 3.80 lakh. Now the beneficiary will have to pay EMI on the amount of Rs 3.80 lakh only.
