Owning a home is a dream for many, but financial constraints often make it challenging for low- and middle-income families. The Pradhan Mantri Awas Yojana (PMAY) is a visionary initiative by the Government of India to address this issue by promoting affordable housing for all. Haryana, as one of the key states, has been actively implementing this scheme under PMAY-Urban (PMAY-U) and PMAY-Gramin (PMAY-G). The program not only provides financial assistance but also offers subsidies for home loans to eligible beneficiaries. If you are looking to apply for PMAY Haryana, this guide will walk you through its eligibility criteria, benefits, and application process.
What is PM Awas Yojana Haryana?
The PM Awas Yojana Haryana is a state-level adaptation of the central government’s Pradhan Mantri Awas Yojana. It aims to provide affordable housing solutions to families from economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). The scheme is implemented in collaboration with the Haryana Housing Board and other local authorities, ensuring that both urban and rural populations benefit.
Under this scheme, beneficiaries can avail of subsidies on home loans through the Credit Linked Subsidy Scheme (CLSS), financial aid for house construction, and redevelopment support. The program prioritises women, differently-abled individuals, and senior citizens, making it inclusive and impactful.
Key objectives of PMAY in Haryana
The PMAY Haryana scheme is designed to achieve the following goals:
- Provide ‘Housing for All’ by 2024 for both urban and rural areas.
- Facilitate affordable housing for families belonging to EWS, LIG, and MIG categories.
- Promote home loans with subsidies under the Credit Linked Subsidy Scheme (CLSS).
- Encourage women ownership in housing projects to empower women financially.
- Support the construction of eco-friendly and sustainable housing units.
Key benefits of PM Awas Yojana Haryana
The PMAY Haryana scheme offers several benefits to eligible applicants:
- Interest subsidies: Beneficiaries can avail of interest subsidies of up to Rs. 2.67 lakh on home loans under the CLSS.
- Financial support: Direct financial assistance is provided for house construction or purchase.
- Priority for women: Female applicants or co-owners are given preference, ensuring gender inclusivity.
- Coverage for all: The scheme addresses both urban (PMAY-U) and rural (PMAY-G) housing needs.
- Differently-abled and senior citizen benefits: Special provisions are made for these groups, such as ground-floor housing options.
Eligibility criteria for PMAY Haryana
To qualify for PMAY Haryana, applicants must meet the following criteria:
| Eligibility Criteria | Details |
|---|---|
| Income categories | EWS (up to Rs. 3 lakh), LIG (Rs. 3–6 lakh), MIG-I (Rs. 6–12 lakh), MIG-II (Rs. 12–18 lakh). |
| Ownership status | The applicant or any family member must not own a pucca house in India. |
| Aadhaar card | Aadhaar details are mandatory for application. |
| Women ownership | Preference is given to women applicants or co-owners. |
| Location | Applicants must reside in Haryana and meet urban or rural eligibility. |
PM Awas Yojana Haryana income categories explained
The PMAY Haryana scheme categorises beneficiaries based on their annual household income. Here is a breakdown:
| Category | Annual Income Range | Maximum Loan Subsidy |
|---|---|---|
| EWS | Up to Rs. 3 lakh | Rs. 2.67 lakh |
| LIG | Rs. 3–6 lakh | Rs. 2.67 lakh |
| MIG-I | Rs. 6–12 lakh | Rs. 2.35 lakh |
| MIG-II | Rs. 12–18 lakh | Rs. 2.30 lakh |
PM Awas Yojana Haryana application process (online and offline)
Applying for PMAY Haryana is simple and can be done online or offline.
Online application process
- Visit the official PMAY website.
- Select the applicable scheme (Urban or Gramin).
- Enter your Aadhaar details for verification.
- Fill in the application form with personal, income, and property details.
- Review the information, submit the form, and note the application number for future reference.
Offline application process
- Visit the nearest Common Service Centre (CSC) or government office.
- Collect the PMAY application form.
- Fill in the required details and attach the necessary documents.
- Submit the form to the concerned authority.
Documents required for PMAY Haryana application
Ensure you have the following documents ready when applying:
- Identity proof: Aadhaar card, PAN card, voter ID.
- Income proof: Salary slips, IT returns, or income certificate.
- Property documents: Sale agreement, NOC from the builder.
- Category certificate: For EWS or LIG applicants.
- Bank account details: For subsidy disbursement.
How to track PMAY Haryana application status online
Follow these steps to track your PMAY Haryana application status:
- Visit the official PMAY portal.
- Click on the ‘Track Your Assessment Status’ option.
- Enter your Aadhaar number or application ID.
- View the current status of your application.
PMAY Haryana for urban vs rural areas – what is the difference?
The PMAY scheme is tailored to meet the unique needs of urban and rural residents in Haryana:
| Feature | Urban (PMAY-U) | Rural (PMAY-G) |
|---|---|---|
| Authority | Municipal bodies and urban local authorities | Gram Panchayats and rural development bodies |
| Focus | Slum redevelopment, affordable housing | New house construction, repair, or upgrade |
| Eligibility | Urban residents | Rural residents without a pucca house |
How is the CLSS (Credit Linked Subsidy Scheme) applied in Haryana?
The Credit Linked Subsidy Scheme (CLSS) under PMAY Haryana reduces the financial burden of home loans by offering interest subsidies. Here is how it works:
- Eligible beneficiaries can avail of subsidies of up to Rs. 2.67 lakh.
- The subsidy is directly credited to the loan account, reducing the principal amount.
- For example, if you take a loan of Rs. 10 lakh at 8% interest, the subsidy can reduce your effective interest rate to around 4%.
How to apply for PMAY CLSS via banks in Haryana
To apply for CLSS through banks or housing finance companies (HFCs):
- Approach any empanelled bank or HFC.
- Submit your income proof, Aadhaar details, and property documents.
- The bank will verify your eligibility and process the subsidy.
- Once approved, the subsidy amount will be credited to your loan account.
Latest updates on PMAY Haryana (2024–2025)
As of 2024, the PMAY Haryana scheme has extended its deadline to achieve the goal of ‘Housing for All’ by 2024. New cities and rural areas are being added to the beneficiary list, and additional funding has been allocated to fast-track construction projects.
Success stories from PMAY Haryana beneficiaries
- Rajesh Kumar, Panipat: A factory worker, Rajesh built his first home under PMAY-G with financial aid of Rs. 1.2 lakh.
- Sunita Devi, Gurgaon: Sunita, a single mother, availed of a CLSS subsidy of Rs. 2.67 lakh to purchase a 2BHK flat.
- Amit and Priya, Faridabad: The couple fulfilled their dream of owning a home by benefiting from the PMAY-U scheme.
Common mistakes to avoid while applying
- Providing incorrect Aadhaar or income details.
- Selecting the wrong income category.
- Missing mandatory documents during submission.
- Not tracking your application for updates.
Contact details and helpline for PMAY Haryana
For assistance, contact the PMAY Haryana helpline:
- Toll-Free Number: 1800-11-3377
- Official Website: PMAY Portal
Conclusion
The PMAY Haryana scheme is a game-changer for families aspiring to own a home. Its affordable housing solutions and subsidies make homeownership accessible to all. If you meet the eligibility criteria, take the first step today by applying online or visiting your nearest CSC. With PMAY Haryana, your dream of owning a home is within reach.
