Pradhan Mantri Awas Yojana 2023 - Urban (PMAY-U) | Online Process Application | sarkari yojana

 Hello friends, the topic of our today's article is "Pradhan Mantri Awas Yojana" Friends, in this article we will give you complete information about Pradhan Mantri Awas Yojana. This housing scheme was launched by the Prime Minister "Shri Narendra Modi" on 25 June 2015 to provide housing to the landless poor families of the country in urban and rural areas. The target of the scheme is that by March 31, 2022, every poor family of the country can get their own house, whose number is about 2 crores. Presenting its budget for 2020-21 of the Pradhan Mantri Awas Yojana (PMAY), the government had said that the government will build 1.95 crore houses to the eligible beneficiaries of the scheme.

Pradhan Mantri Awas Yojana 2023 - Urban

Let us tell you that under the first scheme the time for construction of a house was 314 days but now it has been reduced to 114 days. If you want to take advantage of the housing scheme of the Government of India, then you can also apply on the official website of the scheme pmaymis.gov.in. However, in the next article, you will get information about the scheme's eligibility criteria, features, necessary documents, etc.

What is Pradhan Mantri Gramin - Urban Awas Yojana

Pradhan Mantri Awas Yojana is a public welfare scheme of the Government of India. Under the scheme, the Government of India is getting pucca and comfortable houses constructed for poor people living in cities and rural areas. Facilities like LPG connection, electricity connection, toilet etc. are being provided in these houses built by the government. When this scheme was launched in 2010-11 during the Congress government's tenure, its budget was kept at Rs 10,000 crore, but the current government has planned to spend Rs 7.55 lakh crore under the scheme.

The central government says that in this year 2022, the construction work of 20 lakh houses will be completed, out of which 18 lakh houses will be built in slum and hut areas and 2 lakh houses will be built in poor areas of the cities. Let us tell you that earlier the name of this scheme was "Indira Gandhi Awas Yojana" after the reorganization of the scheme which was changed in 2016 to "Pradhan Mantri Gramin-Urban Awas Yojana".Done. According to the scheme, the ratio of expenditure contribution funds between the Central and State Governments has been kept at 75:25, but the expenditure of the Central Government with the North-Eastern States of the country has been kept in the ratio of 90:10. Yes, one thing is that this scheme for Union Territories is being completely run by the Central Government. Under the scheme, the government has included more than four thousand cities in 35 states. To implement the Pradhan Mantri Awas Yojana in the entire country, the Central Government has divided the Pradhan Mantri Awas Yojana into three phases –

1. The first phase of the housing scheme was started from April 2015, under which the central government got houses constructed in more than 100 cities of the country. The first phase of the scheme ended in March 2017.
2. The second phase of the housing scheme was started from April 2017, under which the central government got houses constructed in more than 200 cities of the country. The second phase of the scheme ended in March 2019.
3. The third phase of the housing scheme was started from April 2019, under which the central government is getting houses constructed in the remaining cities as per the scheme. The third phase of the scheme will be completed by March 31, 2022.

You can also apply for a loan for the construction of a house in the housing scheme. Under the scheme, the government provides loans ranging from Rs 6 lakh to more than Rs 12 lakh for the construction of a house, on which you have to repay the loan according to the interest rate ranging from 3% to 6.5% per annum. According to the Pradhan Mantri Awas Yojana, the central government has increased the amount given to BPL ration card holders for the construction of houses from Rs 45 thousand to Rs 70 thousand now.

serial number	related to article	Important information related to the article
1	Scheme Name	Pradhan Mantri Awas Yojana (PMAY)
2	when did the plan start	25 June 2015
3	Who started the scheme	By Prime Minister "Shri Narendra Modi"
4	planning ministry	Ministry of Housing and Urban Development, Government of India
5	Scheme Beneficiaries	Permanent Resident of India Economically Weaker Poor Citizen
6	purpose of the plan	Providing new and pucca houses to all eligible beneficiaries of the scheme by March 31, 2022
7	Official website of Pradhan Mantri Awas Yojana	pmay-urban.gov.in pmaymis.gov.in
8	Scheme Helpline Number Phone Service	011-23063285, 011-23060484 011-23063620, 011-23063567 011-23061827
9	Official website of the scheme for complaints and suggestions	grievance-pmay@gov.in
10	Contact Office Address for the Scheme	Pradhan Mantri Awas Yojana (Urban) Ministry of Housing and Urban Affairs Nirman Bhawan, New Delhi-110011

Features of PMAY:-

• The biggest feature of the Pradhan Mantri Awas Yojana is that the subsidy amount given to the beneficiary under the scheme is sent directly to the bank account of the beneficiary through the banking online system by the central government, due to which there is almost no possibility of corruption in the scheme. becomes equal. According to the scheme, the subsidy amount may vary according to different income groups.
• The size area of ​​the houses to be built according to the plan was first 20 Sq. Meter (about 215 Sq. Feet) was fixed, which was increased by the Central Government to 25 Sq. Meters (Approx. 270 Sq. Feet).
• The central government has also linked India's cleanliness campaign with this housing scheme, under which the central government provides a separate amount of Rs 12,000 for the construction of toilets to the beneficiary of the scheme.
• Under the scheme, loans up to Rs 70 thousand are given to BPL card holders, on which the BPL card holder receiving the loan does not have to pay any interest to repay the loan, that is, the borrower has to pay only the principal amount. This entire loan is interest free.
• According to the scheme, the loan is divided into three categories, which are LIG, HIG, MIG, about which we will tell you further in the article.
• Pradhan Mantri Awas Yojana is mainly divided into four other schemes, whose names are as follows –
  • ISSR :- In-Situ Slum Redevelopment
  • CLSS :- Credit Linked Subsidy Scheme
  • AHP :- Affordable Housing in Partnership
  • BLC :- Beneficiary-Led Individual House Construction or Enhancement

Eligibility for the beneficiary of PMAY

To apply for taking advantage of the scheme, you will have to fulfill the following requirements –

• The applicant must be a permanent resident of India.
• The age of the applicant should be more than 18 years.
• The applicant should not have any property or house either in his own name or in the name of any family member.
• If the applicant is a beneficiary of any other housing scheme of the Center and the State, then he is ineligible for the Pradhan Mantri Awas Yojana.
• The annual income of the applicant should be between Rs 6 lakh to Rs 18 lakh.

Documents required for PMAY

To take advantage of the scheme, you must have the following documents –

• Aadhaar Card of the applicant
• Address proof of the applicant (eg:- ration card, electricity bill etc.)
• A bank account of the applicant in any bank of the country in his own name
• Photocopy of bank account passbook
• Caste Certificate of the applicant (if applicable)
• Income certificate of the applicant
• Passport size photograph of the applicant
• Active mobile number of the applicant

Other websites covered under Pradhan Mantri Awas Yojana

serial number	website name	Link to website
1	Ministry of Housing and Urban Affairs.	Click here
2	PMAYU Pradhan Mantri Awas Yojana Urban	Click here
3	Global Housing Technology Challenge	Click here
4	CLSS Awas Portal (CLAP)	Click here

Apps related to Pradhan Mantri Awas Yojana 

serial number	app name	app download link
1	Bhuvan App	Click here
2	AHP App	Click here
3	GHTC – INDIA एप	Click here
4	PMAY (U)	Click here

Achievements of PMAY

Under the Pradhan Mantri Awas Yojana, 16 lakh houses are being constructed using new technology. So far 1.14 crore houses have been constructed under the scheme, here we are telling you with the help of statistics what achievements the housing scheme has achieved so far –

serial number	construction of houses	related data
1	Demand House	112.24 lakh
2	Sanctioned House	114.68 lakh
3	Grounded House	93.66 lakh
4	Completed Delivered House	55.13 lakh

serial number	Financial Progress	related data
1	Committed	Rs 1,88,603 crore
2	Released	Rs 1,22,898 crore
3	Expenditure	Rs 1,12,031 crore
4	UC Received	Rs 1,11,609 crore

Why in discussion? 

Recently Pradhan Mantri Awas Yojana- Urban (PMAY-U)  has completed seven years of its successful implementation . 

• With a total investment of Rs 8.31 Lakh Crore, PMAY-U has so far sanctioned 122.69 Lakh houses , of which foundation stones have been laid for more than 1 Crore houses and more than 61 Lakh houses have been completed and distributed to the beneficiaries. has been distributed. 

Pradhan Mantri Awas Yojana-Urban: 

• Introduction: 
  • The Pradhan Mantri Awas Yojana (PMAY) comes under the government's mission for urban housing - Housing for All by 2022, implemented by the Ministry of Housing and Urban Affairs (MOHUA). 
  • It makes home loans affordable for the urban poor by providing subsidy on home loan interest rate while repaying Equated Monthly Installments (EMIs). 
• Beneficiary: 
  • The mission refers to the urban housing shortage among EWS/LIG and MIG categories including slum dwellers. 
    • Economically Weaker Section (EWS) – with a maximum annual family income of Rs.3,00,00. 
    • Low Income Group - with a maximum annual family income of Rs.6,00,000) and 
    • Middle Income Group (MIG-I & II) whose annual family income is Rs.18,00,000). 
    • The beneficiary family will consist of husband, wife, unmarried sons and/or unmarried daughters . 
• Four verticals of PMAY-U: 
  • In-Situ Slum Redevelopment (ISSR): 
    • It will be implemented vertically with the concept of "land as a resource" with private sector participation to provide houses to eligible slum dwellers . 
      • Slum: It is a congested area of ​​at least 300 people or about 60-70 houses usually with poorly built overcrowded houses, unhygienic environment, inadequate infrastructure, lack of proper sanitation and drinking water facilities. 
  • Affordable Housing through Credit Linked Subsidy (CLSS): 
    • EWS, LIG, MIG (I & II) beneficiaries seeking housing loan from banks, housing finance companies and such other institutions and seeking housing loan for construction or extension of new houses are eligible for interest subsidy Huh: 
      • Loan amount up to Rs.6 lakh at 6.5% interest subsidy 
      • Loan amount up to Rs.9 lakh at 4% interest subsidy 
      • 3% interest subsidy on loan amount up to Rs.12 lakh 
  • Affordable Housing Through Partnership (AHP): 
    • Affordable housing projects can be a mix of houses of different categories, if at least 35% of the houses in the project are in the EWS category, it will be eligible for central assistance. 
  • Beneficiary Led Individual House Construction (BLC): 
    • Central assistance up to Rs 1.5 lakh per EWS house is provided to the eligible families belonging to EWS categories for construction/augmentation of individual houses. 
• Demand-driven Approach: 
  • PMAY-U adopts a demand-driven approach to strengthen the ethos of cooperative federalism , the housing shortage is decided by the States/Union Territories (UTs) on the basis of demand assessment. 
  • The mission is implemented as a Centrally Sponsored Scheme ( CSS ), except for the CLSS vertical of PMAY-U , which is being implemented as a Central Sector Scheme. 
    • Central Sector Schemes are 100% funded by the Central Government and implemented by the Central Government machinery. 
    • A certain percentage of Centrally Sponsored Scheme (CSS) funding is borne by the states and the implementation is done by the state governments. 
• Geotagging: 
  • Geotagging is a process of adding geographic identification to various mediums such as photography. 
    • Under the PMAY-U guidelines, it is mandatory for the state government to ensure that all houses built under the scheme are geotagged on the Bhuvan HFA (Housing for All) application . 
      • Bhuvan is an Indian ground platform developed by the Indian Space Research Organization (ISRO) . 
      • It is a web-based application that allows users to access various map related services. 
• Women Empowerment: 
  • The mission promotes women empowerment by providing ownership of houses in the name of the female member or in joint names . 
  • Preference is also given to women (with overriding preference to widows, single women), persons belonging to SC/ST/OBC, minorities, persons with disabilities and transgenders. 
• Initiatives under PMAY-U: 
  • ' Affordable Rental Housing Complexes (ARHCs): 
    • It is a sub-scheme under PMAY-U. 
    • It will provide easy access to dignified affordable rental housing to urban migrants/poor in industrial sector as well as informal urban economies close to their place of work. 
  • Global Housing Technology Challenge: 
    • It aims to identify and mainstream innovative construction technologies globally for the housing sector that are sustainable, eco-friendly and disaster-resilient. 
  • CLSS Awas Portal (CLAP): 
    • It is a common platform where all the stakeholders namely MoHUA , Central Nodal Agencies, Primary Lending Institutions, Beneficiaries and Citizens integrate at a specified point of time. 
    • The portal facilitates tracking of subsidy status by the beneficiaries as well as processing of applications.