PMAY Pradhan Mantri Awas Yojana 2023 : Latest Updates

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Latest News on Pradhan Mantri Awas Yojana 2023:People who don't build homes while receiving PMAY subsidies may face consequences from the government 

October 26, 2023: The Union government has chosen to take legal action against those who have accepted the PMAY subsidy but have not built homes, after carefully observing several such cases. Over 889 of these cases have been found in Bihar. In these situations, the recipients of the subsidy had used it, but they had also spent the money elsewhere.  The recipients in Bihar's Bagaha subdivision have accepted the subsidy amount but have spent it elsewhere. Such beneficiaries are to receive notices from the state government, per a request from the Union government. 

Benefits of the PMAY Scheme

The Pradhan Mantri Awas Yojana (Pmay) initiative was introduced to fill the growing gap between the supply and demand of urban housing. Examine the following primary goals of this program:

• To use private developers to assist in the rehabilitation of slum areas.
• To encourage the Credit Linked Subsidy Scheme as a means of providing affordable homes for the underprivileged.
• To build reasonably priced homes in collaboration with the public and private sectors.
• To offer financial aid for the construction of individual homes headed by beneficiaries.

PMAY Eligibility: Pradhan Mantri Awas Yojana Eligibility by 2024

The following is how the Ministry of Housing and Urban Poverty Alleviation describes the PMAY scheme beneficiaries:

Husbands, wives, and single daughters and sons are examples of Beneficiaries.

A pucca house, or dwelling in the name of any other member of the family in India, is not something that a beneficiary should possess.

Any adult can be classified as a distinct household, regardless of whether they are married or not.

Those Affected by the PMAY Scheme 2024

The following categories make up the majority of the beneficiaries under the PMAY scheme:

Groups of Middle Income (MIG I): those earning between Rs. 6 and 12 lakh per year; Groups of Middle Income (MIG II): those earning between Rs. 12 and 18 lakhs per year

Low-income Groups (LIGs) whose yearly income is limited to Rs. 3–6 Lakh; Economically Weaker Section (EWS) whose yearly income is limited to Rs. 3 Lakh; and Only MMR, Mumbai, Maharashtra, EWS whose yearly income is limited to Rs. 6 Lakh.

EWS beneficiaries are entitled for full support, while LIG and MIG beneficiaries are only eligible for the Credit Linked Subsidy Scheme under the Pradhan Mantri Awas Yojana. The applicant must provide an affidavit attesting to his proof of income to be acknowledged by the Scheme as a LIG or EWS recipient.

First, the PMAY Credit Linked Subsidy Scheme (CLSS)

A primary factor contributing to India's deficiency in housing opportunities is the scarcity of funds and the difficulty in finding reasonably priced homes. In order to address this issue, the government created the Credit Linked Subsidy Scheme (CLSS) as part of the Pradhan Mantri Awas Yojana, which acknowledged the need for home loan subsidies in order to enable the urban poor to either construct or purchase a home.

What is covered under the CLSS plan is explained in  the table.

Pradhan Mantri Awas Yojana 2023–24: Beneficiary-led Individual House Construction/Enhancements (BLC)

Families under EWS who are not eligible for the benefits of the preceding three schemes (CLSS, ISSR, and AHP) may apply for this plan. These beneficiaries are expected to receive financial support from the Central Government for building a new home or remodeling an existing one, up to Rs. 1.5 lakh.

In accordance with this plan:

In simple lands priced between Rs 70,000 and Rs1.20 lakh, as well as in hilly and geographically challenging locations priced between Rs 75,000 and Rs 1.30 lakh, the Centre will offer unit support.

Giving the Under Local Bodies (ULBs) personal and other identifying documentation (pertaining to landing ownership) is required.

Anyone who owns a kutcha or semi-pucca home can benefit from this program, even if they live in another slum that hasn't been renovated.

The State will set up a program to use geotagged photos to track the progress of the building.

See Also: PMAY Replaces IAY, the Former Indira Awas Yojana Housing Scheme

How can I apply online at pmaymis.gov.in for PMAY 2023?

The PMAY program accepts both offline and online applications.

To apply online for Pradhan Mantri Awas Yojana Gramin, follow these steps:

The following procedures would assist people in obtaining the PMAY program's home loan subsidies. The following details the online PMAY application process:

Step 1: Go to PMAY's official website (Pmay govin).

Step 2: Select the Menu tab and then the Citizen Assessment option. 

Step 3: The candidate will input their Aadhar card information.

Step 4: The applicant will be directed to the application page after submitting their Aadhar number.

Step 5: The PMAY applicant must proceed to in put all necessary information, such as income details,  bank account information, personal information, and other necessary data.

Step 6: Before submitting, PMAY applicants must double-check all of their information.

Step 7: Upon selecting the "Save" option, the user will be presented with a unique application number.

Step 8: The completed application form needs to be downloaded.

Step 9: Lastly, the applicant can turn in the format the closest CSC office or a bank or financial institution that is lending money for a house loan. He or she must turn in the form together with any required paperwork.

How Can I Apply Offline for PMAY 2023?

You can obtain an application form for the Pradhan Mantri Awas Yojana (PMAY) by going directly to any nearby CSC office. Complete the PMAY application and submit it there, along with the other necessary paperwork.

Required documentation for the Pradhan Mantri Awas Yojana

The following paperwork is required in order to apply for the PMAY scheme:

Permission to utilize Aadhar data

An affirmation declaring that you do not own a pucca house, either you or your family members

Identity documentation, like an Aadhar card or voter ID; bank account information

The number for Swachh Bharat Mission registration

Job card number as listed on the MGNREGA registration form (Optional)

Bank List for the Pradhan Mantri Awas Yojana

Any scheduled commercial bank, housing finance company, state cooperative bank, urban cooperative bank, regional rural bank, or any other organization that the MoHUA may designate may provide you with a subsidized loan under the Pradhan Mantri Awas Yojana initiative.

Additional PMAY Updates: The Meghalaya government plans to construct 1.3 lakh homes through the PMAY program in 2023–2024.

September 20, 2023: The Meghalaya government plans to construct nearly 1.3 lakh dwellings under the Pradhan Mantri Awas Yojana, or PMAY, according to a recent update. The construction of the homes under the PMAY program will cost Rs 1700 crore.

Under PMAY, the Union Government allots 6000 more housing units for Himachal Pradesh.

28 August 2023: A recent update states that under the Pradhan Mantri Awas Yojana (PMAY), the union government has approved the construction of 6000 more homes for Himachal Pradesh. The choice is made to assist the state in the wake of the destruction brought on by the monsoon season's torrential rains and landslides.

Under the PMAY program, 5,000 houses in total had been approved by the Union Government. However, the Union government has sanctioned an additional 6000 dwellings due to the devastation caused by a succession of natural catastrophes in Himachal Pradesh. The additional housing allotment under PMAY will assist Himachal Pradesh's homeless population in obtaining reasonably priced housing.

The chief minister of Punjab presents checks totaling Rs. 101 crores to PMAY Urban recipients.

August 4, 2023: Positive news: Pradhan Mantri Awas Yojana (PMAY) beneficiaries received checks totaling Rs 101 crore from Punjab Chief Minister Bhagwant Mann. Provided that the Pradhan Mantri Awas Yojana Urban covers the beneficiaries. A check for Rs 1.75 lakh was given to each PMAY Urban beneficiary. The state administration reaffirmed its pledge to give the less fortunate members of society access to affordable housing.

70,000 recipients receive house keys from the Madhya Pradesh chief minister. 

August 2, 2023: As part of the Pradhan Mantri Awas Yojana, 70,000 qualified beneficiaries received their house keys from Madhya Pradesh Chief Minister Shivraj Singh Chouhan during an event hosted by the state's housing and urban administration departments. Under the Pradhan Mantri Awas Yojana Urban, Chief Minister Shivraj Chouhan disbursed benefits to over one lakh beneficiaries and deposited Rs. 300 crore into the bank accounts of thirty thousand beneficiaries. 

In response to UP Chief Minister Yogi Adityanath's appeal, the centre allots 1.44 lakh PMAY houses for FY 2023–2024.

July 17, 2023: As part of the Pradhan Mantri Awas Yojana Gramin Housing Scheme, the Central Government has given 1,44,220dwellings to Uttar Pradesh's rural population. The allocation was made in response to an appeal filed on May 18, 2023, by Uttar Pradesh Chief Minister Yogi Adityanath. The state has been given these PMAY homes during the 2023–2024fiscal year.

The state's total number of homes built under the PMAY Gramin Scheme would be 21,68,574 after these extra homes are finished.

EWS Limit for Mumbai Region Property Purchases Under PMAY Programme Raised from Rs 3 to Rs 6 Lakhs 

July 13, 2023: Only for the Mumbai Region, the Centre Government of India raised the income threshold for the Pradhan Mantri Awas Yojana (PMAY)'s economically weaker sector (EWS). The upper limit is now Rs 6 lakhs instead of Rs 3 lakhs.