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Pradhan Mantri Awas Yojana (PMAY)
What is PMAY?
The Pradhan Mantri Awas Yojana (PMAY) is an originality of the Government of India which expostulate at condition reduction containing to the municipality poor by the time 2022. The scheme was a first establish on a 1 June 2015. The delight rate for the PMAY scheme starts at a 6.50 sire and can be benefit for a term of the over to 20years.The last date for a benefit the PMAY CLSS scheme for the LIG and EWS group has been expand to a 31 March 2022.
Features and Benefits of PMAY Scheme
- Below PMAY Scheme, subvention interest rate is condition at6.50 sire on containing loan for the time of 20 times to all the receiver.
- Collectively disabled and elder citizens will be given above in allocation of ground bottoms.
- Supportable and eco-friendly robotization would be apply for construction.
- The scheme covers up full municipality areas in the country which contain 4041 approved megalopolises with the first preference given to 500 Class I megalopolises. This will be done in a 3 phase.
- The credit join subvention point of the PM Awas Yojana gets apply in India in all approved megalopolises from the early stages it
Pradhan Mantri Awas Yojana Beneficiaries
The receiver below the PMAY scheme can be a listed as a follows:
Beneficiary Annual Income
Middle Income of Group I (MIG I) Rs.6 lakh to Rs.12 lakh
Middle Income of Group I (MIG II) Rs.12 lakh to Rs.18 lakh
Lower Income of Group (LIG) Rs.3 lakh to Rs.6 lakh
Economically Weaker Section (EWS) Up to Rs.3 lakh
In addition to these, people effect to the SC, ST, and OBC group and women goods to the EWS and LIG income groups will also be allowed for the PMAY scheme.
Identification and Selection of Beneficiaries under PMAY
The Pradhan Mantri Awas Yojana-Town scheme provision substantially to the covering necessary of the collaborative poor. The scheme also provision to the containing demand of slum residers inhabit in small areas of slums with poor structure, poor sanitation and drinking installations.
Receiver of the PMAY-U substantially include Middle Income Groups (MIGs), Low- income Groups (LIGs) and Economically Weaker Section (EWS).
While the receiver from the EWS type is a allowed for a complete help below the scheme, receiver from LIG and LIG types are the only allowed for the Credit Linked Subsidy Scheme (CLSS) below the PMAY.
In order to be allow as a LIG or EWS receiver below the Scheme, the seeker is a demanded to the submit an a affidavit as a income validation to the authority.
Type of PMAY Scheme
There are two member of the PMAY scheme which are the divided into the base of the area on a which they direct
1. Pradhan Mantri Awas Yojana Gramin - The Pradhan Mantri Awas Yojana – Gramin (PMAY-G) was formerly known as the Indira Awas Yojana and was a name as a PMAY-G in 2016. The scheme is a aimed at the force of the reduction and accessible covering units to allowed receiver in the pastoral regions of the India ( banning Chandigarh and Delhi). Below this scheme, the Government of the India and the particular state governments partake the cost of development of the covering volume in the rate of 6040 for a plain regions and 9010 for a North-Eastern and hilly regions.
2. Pradhan Mantri Awas Yojana Urban - Urban (PMAYU), as the name submit, is determined around the collaborative areas in India. At current, there megalopolises and megalopolises which are join under this scheme. The scheme is a set to be responsibility under three colorful stage
- Stage 1 Under the Phase 1, the government choose to the cover 100 metropolises in a some countries and UTs over the country from a April 2015 to a March 2017.
- Stage 2 Under Phase 2, the government choose to cover 200 further metropolises in several countries and UTs over the country from April 2017 to March 2019.
- Stage 3 Under Phase 3, the government choose to cover the metropolises which have been left out in Phase 1 and Phase 2 and attain the select by the end of March 2022.
પ્રધાનમંત્રી આવાસ યોજના માહિતી અહીંથી વાંચો ગુજરાતીમા
PMAY Interest Subsidy
Particulars Interest Subsidy Maximum Loan for the Subsidy
EWS 6.50% p.a. Rs.6 lakh
LIG 6.50% p.a. Rs.6 lakh
MIG -1 4.00% p.a. Rs.9 lakh
MIG-2 3.00% p.a. Rs.12 lakh
Pradhan Mantri Awas Yojana Subsidy Calculator
Pradhan Mantri Awas Yojana Official Website Click Here
Search Beneficiary Click Here
Pradhan Mantri Awas Yojana-Urban Click Here
Pradhan Mantri Awas Yojana scheme thing to stereotype the process of copping a home for the collaborative poor and sickly sections of society around EMIs at proper rates of interest. The rate of the interest is a around much lower than a business rates, therefore offering people subsidised loans.
To calculate the EMI log on to the Pradhan Mantri Awas Yojana website and fill up in the preceding point a http//pmaymis.gov.in/EMI_Calculator. aspx
- The total loan quantum in rupees
- The rate of interest
- The total loan period in months
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