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PMAY-Urban is a key government scheme by the Ministry of Housing and Urban Affairs (MoHUA) designed to Read More... tackle the housing shortage in Indian cities, aiming to provide a permanent home to all eligible urban families by 2022. Read less

Details

Finding a decent and affordable home in the city can be a challenge. The Pradhan Mantri Awas Yojana - Urban (PMAY-U) is here to help! Launched by the Ministry of Housing and Urban Affairs (MoHUA), this mission aims to ensure that every urban household has a 'pucca' (pucca means permanent, solid, not makeshift) house by the year 2022.

What Is This Scheme?

PMAY-Urban is a big initiative focused on providing housing for all citizens living in urban areas. It's designed to make buying or building a home more achievable, especially for those with lower and middle incomes. The scheme includes various components like slum rehabilitation and promoting affordable housing. It also offers financial help through a Credit Linked Subsidy Scheme (CLSS), meaning you can get an interest subsidy on home loans.

Who Can Benefit From This Scheme?

This scheme is for urban dwellers who fall into specific income categories: Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group (MIG). It also specifically targets slum dwellers, aiming to upgrade their living conditions. Basically, if you're an urban Indian family looking for your own home and meet the income and other criteria, this scheme might be for you.

Why This Scheme Is Important

The skyrocketing property prices in cities can make owning a home seem impossible for many. PMAY-Urban addresses this by making housing more affordable. It encourages the construction of sustainable and budget-friendly homes, helping to reduce the urban housing gap and improve the quality of life for countless families across India.

Objective

PMAY-Urban is a key government scheme by the Ministry of Housing and Urban Affairs (MoHUA) designed to tackle the housing shortage in Indian cities, aiming to provide a permanent home to all eligible urban families by 2022.

Benefits

A sum of ₹13,500/- shall be given as post-matric / pre-matric scholarships to eligible transgender students once every year.

Sources and references

Scheme Guidelines

Eligibility Criteria

Income Group: Your family must belong to one of these categories:
- EWS: Annual income up to ₹ 3,00,000.
- LIG: Annual income between ₹ 3,00,001 and ₹ 6,00,000.
- MIG-1: Annual income between ₹ 6,00,001 and ₹ 12,00,000.
- MIG-2: Annual income between ₹ 12,00,001 and ₹ 18,00,000.
No Own House: Neither you nor any family member should own a permanent house anywhere in India.
Family Structure: Your family should consist of a husband, wife, and their unmarried children.
Urban Location: The city or town where you live must be covered under the PMAY-Urban scheme.
No Previous Benefits: Your family should not have previously received benefits from any other housing scheme of the Government of India.

How To Apply

Applying for PMAY-Urban is generally done online. Here’s a general idea of the process:

Visit the official PMAY-Urban website: https://pmay-urban.gov.in/
Look for the 'Citizen Application' or a similar section on the website.
Choose the option to apply for 'Slum Dwellers' or 'For Housing for All' depending on your situation.
Fill in the online application form carefully. Ensure all mandatory fields marked with a red asterisk (*) are completed.
Upload the required documents.
Submit the application form.
Keep a record of your application number for future reference and tracking.

Note: While the primary method is online, some states or local bodies might have specific offline procedures or facilitators. Always check the official PMAY-Urban website or your local urban local body for the most accurate and up-to-date application steps.

Documents Required

Aadhaar Card or Aadhaar Virtual ID (or Aadhaar Enrolment ID)
Proof of Income (Self-attested certificate or affidavit)
Identity Proof (e.g., PAN card, Voter ID, Driving License)
Residential Proof (e.g., Voter ID, Aadhaar Card, Utility Bills)
Proof of Nationality
Proof of belonging to a Minority Community (if applicable)
Income Certificates: EWS / LIG / MIG Certificate (as per your category)
Salary Slips (if employed)
Income Tax (IT) Return Statements (if applicable)
Property Valuation Certificate (if applicable)
Bank Account Details and Statement
Affidavit confirming that you or your family do not own a 'pucca' house.
Affidavit confirming that you are constructing a home under the scheme (if applicable).

FAQ’s

How can I check the status of my PMAY-Urban application?

You can check your application status in two main ways:Method 1: Using Assessment ID1. Go to the official PMAY website: http://pmaymis.gov.in/Track_Application_Status.aspx.2. Select 'Citizen Application' and then click on 'Track Status'.3. Choose the 'By Assessment ID' option.4. Enter your Assessment ID and Mobile Number, then click 'Submit'.Method 2: Using Name, Father's Name, and Mobile Number1. Visit the same PMAY website and follow steps 1 and 2 above.2. Select the 'By Name, Father's Name & Mobile No' option.3. Provide your State, District, and City.4. Enter your Name, Father's Name, and Mobile Number, then click 'Submit'.In both methods, you will be able to view the progress of your application.

Does PMAY-Urban cover slum rehabilitation on private land?

No, the central assistance under PMAY-Urban is not provided for the rehabilitation of dwellers from slums built on private land.

What's the difference between PMAY-Urban and PMAY-Gramin?

PMAY-Urban (Pradhan Mantri Awas Yojana - Urban) is for people living in cities and towns. PMAY-Gramin (Pradhan Mantri Awas Yojana - Gramin) is specifically for rural households. Both schemes aim to provide housing, but they cater to different geographical areas and may have slightly different guidelines.

Can I still get benefits from other government housing schemes if I apply for PMAY-Urban?

Yes, you will not be denied benefits from other existing or future rural housing schemes just because you have received a house under PMAY-Urban.

How do I know if my town is included in the PMAY-Urban scheme?

You can check if your town is covered by visiting the official PMAY-Urban website at https://pmay-urban.gov.in/pmayprogress. You can also navigate to the 'City Wise Progress' section on the main https://pmay-urban.gov.in/ website.

What are the technical standards for houses built under PMAY-Urban?

All houses constructed under this scheme must meet the standards set by the National Building Code (NBC) and Bureau of Indian Standards (BIS). For detailed specifications, you can refer to Section 2 of the scheme guidelines available on the official website.

What does MoHUA mean?

MoHUA stands for the Ministry of Housing and Urban Affairs, which is the government body responsible for implementing the Pradhan Mantri Awas Yojana - Urban.

What is the main goal of PMAY-Urban?

The primary goal of PMAY-Urban is to ensure that all eligible urban households in India have access to a permanent and decent house by the year 2022, addressing the urban housing shortage.

Which groups get priority for benefits under this scheme?

Preference is given to certain groups, including differently-abled persons, senior citizens, Scheduled Castes (SCs), Scheduled Tribes (STs), Other Backward Classes (OBCs), minority communities, single women, transgender individuals, and other vulnerable sections of society.

Is there a specific period I need to have been living in an urban area to be eligible?

The States and Union Territories have the authority to set a cut-off date. You need to be a resident of that urban area as per the date decided by the state/UT to be eligible for benefits under the scheme.

If I am on the waitlist for PMAY-Gramin, can I apply for PMAY-Urban?

Yes, if you are on the permanent waitlist for PMAY-Gramin, you have the option to choose and apply for a house under either PMAY-Gramin or PMAY-Urban, based on your eligibility and preference.

Does PMAY-Urban offer any interest subsidy on home loans?

Yes, PMAY-Urban includes a Credit Linked Subsidy Scheme (CLSS). This means eligible beneficiaries can receive an interest subsidy on the home loan they take to buy, construct, or enhance their house.

Are there any private agents authorized to collect application fees for PMAY-U?

No, the Ministry of Housing and Urban Affairs (MoHUA) has not authorized any private entity or individual to collect application fees from beneficiaries under the PMAY-Urban scheme.