Pradhan Mantri Awas Yojana 2024: Apply Online, Eligibility, Benefits, and Complete Scheme Details

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Simran Kaur
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Pradhan Mantri Awas Yojana 2024: Apply Online, Eligibility, Benefits, and Complete Scheme Details

Pradhan Mantri Awas Yojana 2024

Pradhan Mantri Avas Yojana is a scheme that was started by the government of India on 25 June 2015. The mission of this yojana is to construct a house for poor people who don’t have their own house which is beneficial for both urban and rural areas. 

Before that, this yojana known as Indra Avas Yojana was started in year 1985. In 2015 this yojana changed to the Pradhan Mantri Avas Yojana.

The main motive of this yojana is to construct houses in the plains and flat areas and provide financial assistance of Rs 120000 and for hilly and difficult areas rs 1300000.

The aim is to fulfill the dreams of poor people sleeping under an assured pucca roof. Lower-income groups have benefitted the most. Another significant hallmark is that eighty percent of these sanctioned houses are owned by women. The PMAY scheme thus empowers women and strives to give them either full ownership or joint ownership. The scheme has also been highly profitable for minorities, single women, the old and disabled, and transgender people.

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PM Avas Yojana overview 

नाम प्रधानमंत्री आवास योजना 2024
उद्देश्य गरीब और निचले वर्ग के लोगों को स्थायी आवास प्रदान करना
लाभार्थी ग्रामीण और शहरी क्षेत्र के लोग
आवेदन की तारीख 31 दिसंबर 2024 तक
आवास की तरह लाभार्थियों को स्थायी आवास प्रदान किया जाएगा
लाभ राशि ₹ 120,000
ऑफिसियल वेबसाइट  pmayg.nic.in
समर्थन टोल फ्री नंबर: 1800-11-6446

ईमेल : support-pmayg@gov.in

Pradhan Mantri Awas Yojana 2024

In the budget for the financial year 2023-24, Finance Minister Nirmala Sitharaman announced allocating a higher budget than before for this scheme, aiming to realize the dream of owning a home for poor citizens. The budget for the PM Housing Scheme 2023 has been increased by 66%. Increasing this budget allocation will help increase the number of houses. Poor families in the country will benefit from the Prime Minister’s Housing Scheme until December 31, 2024. Approval has been granted for the construction of 1.22 crore new houses under the Prime Minister’s Housing Scheme.

How much subsidy will be received from the government for housing

Under this plan, two lakh eligible beneficiaries in the state have been approved for the PM awas Yojana. Under this, in all districts, the selection of beneficiaries has been made and the first installment of 30,000 rupees has been distributed for housing construction. For this, an allocation of 550 crores has been made by the Rural Development Department in the first installment. Under this scheme, the government will provide funding in four installments. Each beneficiary will receive a total grant of 2 lakh rupees.

How many applications have been verified under the scheme so far

Under the Scheme, 30,86,002 applications have been received from poor and needy families to provide them with their own homes. So far, verification has been completed for 29,93,311 applications, and their entries have been made on the portal. Only those beneficiaries whose applications have been verified will be provided with installments and other benefits under the PM Avas Yojana.

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Highlights of PM Avas Yojana Scheme:

Subsidized Interest Rate – Enjoy a low 6.50% p.a. interest rate on housing loans for 20 years.

  1. Priority for Special Groups – Differently-abled and senior citizens receive preferential ground floor allocations.
  2. Eco-Friendly Construction – Sustainable and environmentally conscious technologies utilized in building.
  3. Pan-India Coverage – The scheme spans 4041 statutory towns, with initial priority given to 500 Class I cities in 3 phases.
  4. Early Credit-Linked Subsidy – Implementation of the credit-linked subsidy begins at the project’s inception, covering all statutory towns in India.

Pradhan Mantri Awas Yojana Beneficiaries 

The beneficiaries under the PMAY scheme can be listed as follows:

Beneficiary Annual Income
Middle Income Group I (MIG I) Rs.6 lakh to Rs.12 lakh
Middle Income Group I (MIG II Rs.12 lakh to Rs.18 lakh
Lower Income Group (LIG) Rs.3 lakh to Rs.6 lakh
Economically Weaker Section (EWS) Up to Rs.3 lakh

In addition to these, people belonging to SC, ST, and OBC categories and women belonging to EWS and LIG income groups will also be eligible for the PMAY scheme.

Steps to apply online for PM Awas Yojana 2024

  1.  visit the official website -@pmaymis.gov.in/
  2. click on the Home page, then click on the link of Pmavasyojana
  3. click on Registration, fill in all information 
  4. upload all documents 
  5. then click on the submit option. 

Eligibility Required for PM Avas Yojana 

  1. A person’s age should be above 18 years.
  2. Indian citizenship is required, and the Applicant doesn’t have their own house 
  3. Applicant’s yearly income must be between 300000 to 600000 not more than that. 
  4. Applicant Rashan’s Card must be mentioned in the BPL list. 

Documents  Required for PM Avas Yojana

  • Aadhar card
  • Passport colour Photo
  • Job card
  • Swachch Bharat Mission Registration Number
  • Bank Passbook
  • Mobile Number
  • Income Certificate 

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How to check the Garmin list of PM Awas Yojana

Registered applicants of PM Awas Yojana should check the list of Gramin. you can check the list by following the steps below. 

  1. To check the list visit on official website of PM Awas Yojana.
  2. The main home page will open. there you can see the report option.
  3. click on the given option after that new page will open in which you will find the option of beneficiary detail for verification.
  4. then click on that option, and again new page will open.
  5. fill in the details of your district, state, village, etc.
  6. Then select the year after that select PM Awas Yojana.
  7. fill in the captcha code, and click on the submit button.
  8. then you can see the list.

Frequently Ask Questions:-

Q.1 Who is eligible to apply for PMAY?

Economically Weaker Sections (EWS)
Low-Income Groups (LIG)
Middle-income groups (MIG-I and MIG-II) based on income criteria defined by the scheme.

Q.2 How to apply for PMAY?

Applications can be made online through the PMAY official website or through Common Service Centers (CSCs) or designated financial institutions.
Applicants need to provide necessary documents such as an Aadhaar card, income proof, and others as specified by the scheme.
For full steps, you can check the above.

Q.3 What are the components of PMAY?

In-situ Slum Redevelopment
Affordable Housing through Credit-Linked Subsidy Scheme (CLSS)
Affordable Housing in Partnership
Beneficiary-led individual house construction/enhancement

Q.4 If a house owner owns a plot but does not have a house, is she or he eligible for the subsidy?

According to the scheme the applicant’s family should not own a pucca house in any part of India. If the applicant owns a commercial establishment, shop, factory, or plot but does not own a house, they can still avail the benefit of this housing scheme.

Q.5 What documents are required for PM Avas Yojana?

Documents include Aadhar card, passport photo, job card, Swachch Bharat Mission Registration Number, bank passbook, mobile number, and income certificate.

Q.6 How to check the Gramin list of PM Awas Yojana?

Visit the official website, click on the report option, select beneficiary detail for verification, fill in district, state, village details, select the year and PMAY, fill captcha, and submit.

Q.7 What is the aim of PM Awas Yojana?

The aim is to provide permanent housing to economically disadvantaged individuals and families.

Q.8 How much subsidy does the government provide for housing?

Eligible beneficiaries can receive a subsidy of up to Rs. 2 lakh for housing construction.

Q.9 How many applications have been verified under the scheme?

29,93,311 applications have been verified, and entries have been made on the portal.

Q.10 What are the highlights of the PMAY scheme?

Highlights include subsidized interest rates, priority for special groups, eco-friendly construction, pan-India coverage, and early credit-linked subsidy implementation.

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