Pradhan Mantri Awas Yojana List

Ways to check the Name in Pradhan Mantri Awas Yojana List?

PMAY list is available in two different categories – urban and rural. Note that individuals under PMAY-Gramin (rural) category receive registration numbers on applying successfully. This number is needed while checking the PMAY-G list.

If you fall under the rural category, follow these steps below:

Step 1: Open the official website of PMAY-Gramin.
Step 2: Provide your registration number accurately and click on ‘Submit’.

Applicants can also check the beneficiary list without their registration number. Here are the steps to follow:

Step 1: Visit the official website of PMAY-Gramin.
Step 2: Ignore the registration number tab and click on the Advanced Search button.
Step 3: Fill up the form that appears with correct details.
Step 4: Proceed with the ‘Search’ option.

All the relevant details will appear if your name is present on the PMAY-G list.
If you fall under the urban category, follow the below steps:

Step 1: Visit the official site of PMAY.
Step 2: A ‘Search Beneficiary’ menu will appear before you. Click on the ‘Search by Name’ there.
Step 3: Provide the first three characters of your name.
Step 4: Click on the button ‘Show’, and the PM Awas Yojana list will appear.

Look for your name along with other relevant details on the PMAY list-Urban. These beneficiary charts are updated from time to time. So, do check the latest PMAY list 2018-19.

How is PMAY List of Beneficiaries Prepared?

The government considers SECC 2011 to identify and choose the beneficiaries in the PM Awas Yojana list 2018 – 19. SECC 2011, or Socio Economic and Caste Census 2011, is the 1st paperless census (caste-based) conducted in India in 640 districts. Besides this, the government involves tehsils and panchayats in the decision-making of the final list.

The motto is to maintain transparency and provide these housing benefits to deserving applicants.

Who are Eligible to Apply for PMAY Scheme?

Candidates who meet the following PMAY eligibility criteria qualify to apply for this housing scheme.

• The applicant or any of his/her family members must not own a pucca house anywhere in India.
• No family member should have opted for any government-initiated housing scheme previously.
• Both joint and single ownership are allowed for married couples. In this case, both the options shall receive 1 subsidy.
• The overall annual income of a household should be within Rs. 6 Lakh to Rs. 18 Lakh. Applicants can provide income data of spouse when applying for this programme.
• Those who already own a house in their name do not qualify for PMAY benefits.
• Individuals belonging to Lower Income Group (LIG), Middle Income Group (MIG) and Economically Weaker Section are eligible for CLSS under PMAY.

Beneficiaries are permitted only to buy or construct a new residential property under this scheme.

Eligibility Criteria for CLSS Scheme

Those applying for PMAY CLSS scheme which offers interest subsidy on home loans must meet the following criteria to qualify.

For LIG/EWS category:

• The beneficiary family must comprise husband, wife, unmarried daughters or unmarried sons.
• Annual income of a household must be within Rs. 3 Lakh and Rs. 6 Lakh.
• The property must be co-owned by a female member of the family.

This category is eligible to get an interest subsidy of 6.5%.

For MIG I & MIG II categories:

• Yearly income of the household must be between Rs. 6 Lakh and Rs. 12 Lakh for CLSS MIG I, and Rs. 12 and Rs. 18 Lakh for CLSS MIG II.
• A female co-owner of the property is desirable.
• In case of an adult earning member, whether married or unmarried, it should be considered as a separate household.

Eligible candidates under MIG I can get a subsidy of 4% while those under MIG II can get a 3% subsidy.

Who are the Beneficiaries of PM Awas Yojana?

Primarily, the following categories can enjoy all benefits of this housing scheme.

• Economically Weaker Section
• Women (irrespective of caste and religion)
• Medium Income Group 1
• Medium Income Group 2
• Scheduled caste and scheduled tribe
• Low income population

This entire process of PM Awas Yojana programme has now moved online, making it more transparent and convenient. Beneficiaries can easily check their application status and PMAY list from the programme’s official website.

What are the Objectives of PM Awas Yojana Scheme?

As per estimates, lakhs of residential properties costing around Rs. 50 Lakh are still unsold in the metropolitan cities. Contrarily, there’s a shortage of around 2 Crore housing units for the urban poor and rural population. The PM Awas Yojana aims to bridge this gap. There are 4 prime aspects of this PMAY scheme:

• Construction of houses for slum dwellers to transform slums.
• Undertake affordable housing projects in collaboration with the states and union territories.
• Offering subsidy on home loan interest rates with its CLSS scheme to the economically weaker and medium income sections.
• Providing financial assistance to EWS of up to Rs. 1.5 Lakh.

The government of India has extended these benefits to ignored sections such as widows, transgender individuals and others.

During the FY-2019 Budget session on 1st February, the Finance Minister confirmed the construction of 1.53 Crore houses till date under this flagship scheme.

With Bajaj Finserv, you can enjoy a subsidised rate of interest on Home Loan under the PMAY scheme. Additionally, opt for the exclusive Flexi Loan facility which enables you to make multiple withdrawals from a pre-sanctioned amount and prepay at your convenience. Interests are only levied on the amount withdrawn and not on total principal, thus, reducing your EMIs almost by half.

Use the online Pradhan Mantri Awas Yojana eligibility Calculator offered by Bajaj Finserv to check your subsidy amount as per your eligible category.