How to Apply for PMAY

In June 2015, the Prime minister of India, Shri Narendra Modi announced a first-of-its-kind scheme to provide housing for Indians. Keeping in mind that the average middle and low income groups cannot afford to purchase a home in this day and age of sky-rocketing real estate prices, he announced a scheme through which everyone could become a home owner; a scheme that provided concrete, cemented houses for everyone, especially in the urban areas of the country. This scheme was named the Pradhan Mantri Awas Yojana Scheme. Here is everything you need to know about how to apply for Pradhan Mantri Awas Yojana

Step by step guide on how to apply for PMAY scheme.

For offline application

To apply for the PMAY scheme offline, you can visit any bank, non-banking finance company, or housing finance company and fill out the scheme application form. You must submit the documents cited in the form and check your eligibility before applying for this scheme. Here are the steps to follow for offline applications.

Step 1: Visit any bank; nationalised or private, or a housing finance company near you, which is classified by PMAY. Take your income proof documents and your credit scores along with you.

Step 2: Get your loan amount authorized from the lender chosen by you.

Step 3: Once the lender has authorized the loan amount, you can download the PMAY scheme form or have ask the authorized lender provide the form to you.

Step 4: After getting loan approval, you can select the property/flat and register for the scheme.

How to apply for PMAY scheme online

You can also apply for the PMAY scheme online simply by following the below mentioned steps.

Step 1: Your online application begins with you visiting the Pradhan Mantri Awas Yojana official website i.e. http://pmaymis.gov.in/.

Step 2: Click on the “citizen assessment'' option located on the menu bar and choose the category that suits your application type from “Slum dwellers'' or “Benefit under other 3 components''.

Step 3: Having chosen from the above mentioned 2 categories, you must input your 12 digit Aadhaar Number and your name as it is mentioned on the card.

Step 4: Once you've entered your Aadhaar details, the PMAY website redirects you to the scheme application page.

Step 5: The website will then prompt you to input certain personal details such as your name, current address and your bank account details. You will also be prompted to enter your income details in the same section. Your income serves as a determinant factor to check if you are eligible for this scheme.

Step 6: Once you have provided all the information, you must review it before you click on enter and submit your application.

Step 7: You will be prompted to confirm the information you have provided by the website. Once you confirm, you are required to click on the “I am aware of'' tab, located on the bottom of the page. You can then click on the “Save'' option and your details will be entered and saved into the system.

Step 8: Once the information is saved, the system auto-generates your application number. Ensure you save the application number as you will need it every time you wish to check your application status.

Step 9: You can now download the filed application form and take a print out of the same.

Step 10: The final step is to must submit your PMAY application form at a CSC (common service centre) office near you. Alternatively, the form can also be submitted at any private or nationalised bank or financial/housing institution offering this service. You must also submit the necessary documents listed in the form. It is a good practice to keep photo-copies of the application form and documents for future references.

Highlights of the PMAY scheme

Now that you know how to apply for PMAY scheme, let's look at its highlights.

The PMAY scheme is dedicated towards development in the urban areas. Under the scheme, the government will replace the slums in cities by constructing over 2 crore ‘pukka houses'. Furthermore, applicants can benefit from subsidized interest rates on home loans with this scheme. The scheme is especially designed for members of economically weaker sections (EWS), low income groups (LIGs), and middle income groups (MIGs) and minorities including members of scheduled castes, scheduled tribes, other backward classes and members of transgender communities. Women applications, widows and senior citizens can also benefit from this scheme.