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The Pradhan Mantri Awas Yojana (PMAY)

The Pradhan Mantri Awas Yojana (PMAY) was introduced by the honourable Prime Minister Narendra Modi on 1st June 2015 and since then has garnered a lot of attention from people and critics.

The PMAY scheme is a very humble and noble initiative taken by the Government of India for poor people. The scheme deals with providing affordable housing options to the urban poor class of the country. The mission of the Pradhan Mantri Awas Yojna is to provide housing options to all by the year 2022.  

We at Antworks Money believe in offering transparent and hassle-free financial/loan solution services to all the eligible applicants. The Indian government introduced a highly beneficial home buying scheme well-known as Pradhan Mantri Awas Yojana (PMAY) is recommended to all.

Our team of experts helps all our valued customers avail the benefit of PMAY and render unbiased expert advice as and when required to endure we are able to achieve the highest customer contentment.

Why Avail Pradhan Mantri Awas Yojna Scheme?

The aim of this scheme was to construct affordable houses using eco-friendly construction methods and equipments in the selected cities and towns for the ultimate benefit of the urban poor population in India.

Not only had this but under the Credit Linked Subsidy Scheme, beneficiaries under the PM initiated PMAY scheme will also be eligible for the interest subsidy in case they apply for a loan to purchase or construct any such house.

The dream of every individual to own a house will be fulfilled with the honest support of the government initiative PMAY. The economically backward citizens will also get the benefit of it. This means that a person can apply for a loan through PMAY for existing home loan option as well.

The PMAY Home Loan scheme is one of the important decisions taken by the PM, in favour of the urban poor mass of the country. The scheme was appreciated by many ministers of India owing to its easy housing loans and interest saving options available.



What are the Features of the Pradhan Mantri Awas Yojana?

The Pradhan Mantri Awas Yojana offer is one of the good schemes started by the Government of India, packed with a number of good features: These include:

  • The subsidy interest rate under the PMAY Housing loan scheme is provided at 6.5% for a period of 15 years to all the beneficiaries. This is particularly good and low interest rate as compared to the other such housing loan schemes by banks and other financial institutions.
  • While the construction of houses will take place for the urban poor population, the differently abled and senior citizens under this scheme will be given preference in allocating houses on the ground floor considering their physical problems.
  • The construction under the PMAY scheme will only take place using sustainable and eco-friendly technologies to prevent unnecessary pollution.
  • The home loan under PMAY scheme covers urban areas in the country which sums up to a total of 4041 towns. The first priority in the cities will be given to the 500 Class I cities amongst these statutory towns and will be completed in a total of three phases.
  • Also, the credit linked subsidy aspect based service of the PM Awas Yojana gets implemented from the first stage itself in all the 4041 statutory towns of the country.
  • Every Indian should take advantage of the irresistible Pradhan Mantri Awas Yojana offer.
  • Applicants can make online application easily.

What is the Eligibility Criterion of the PMAY Scheme 2019?

The current update about the PMAY scheme 2019 is that the process is now moving with a brisker pace and the projects have been approved by the Kanpur Development Authority. The housing plans will take place in Chatramau, Rooma, Mavaiya, Kulgram, Oochati, Chakeri, and Sachandi villages. The housing plan will also include a multi-level parking facility and an office.

In order to identify the PMAY beneficiaries, the Government of India is using the Socio Economic and Caste Census of 2011. Not only this but the government officials with all consult with the tehsils and the village panchayats before making a list of all the beneficiaries under the rural housing scheme.

This will ensure a completely transparent approach to the project also making only the deserving families get the benefit and the aid from the housing scheme. Also, you can easily calculate the EMI through the PMAY Home loan EMI calculator on the official website of the Pradhan Mantri Awas Yojana with great ease.

The Pradhan Mantri Awas Yojana eligibility covers the following points:

  • The scheme covers families with a total income between INR 6 lakhs to 18 lakhs. The applicant along with the inclusion of the income of the spouse can apply for the PM Awas Yojana.
  • For the Indian women citizens, there will be no demographic considered and they can easily apply for the PM Awas Yojana.
  • This scheme allows people to buy a new house in order to enjoy the fruits of the Pradhan Mantri Awas Yojana. For people who already own a house are not eligible to apply for this scheme. The applicant or any member of their family while applying under this scheme should not own any ‘pucca makkan’ in any part of the country.
  • Through this scheme, people can buy or construct new houses only. The scheme is not applicable to the benefits of already built houses.
  • The other sections of the Indian society like the low-income group, LIG and the other weaker sections like the EWG can also apply under this scheme.
  • The scheme covers scheduled tribes and castes as well.
  • Under this scheme, the differently abled and senior citizens of the country will be given preference of relocation on the ground floor.

How can you apply for the PM Awas Yojana through online mode?

You can easily go for Pradhan Mantri Awas Yojana online application on their online dedicated website

Follow the following steps for the Pradhan Mantri Awas Yojana applying online method:

  • Go to the ‘Menu’ tab and select ‘Citizen Assessment’ from there.
  • After that, it will ask for your 12-digit Aadhar Card Number.
  • Once you’ve successfully entered your Aadhar Card Number, you will be redirected to the applicant page.
  • Now enter your personal details, income information, current residential address, and the bank account details.
  • Then click on ‘I am aware of’ option and then click on the ‘Save’ button.
  • After you’ve saved your information, you will receive a system generated application number that you have to save for future reference.
  • First, download and then print the duly-filled application form.
  • Submit the printed form to the nearest CSC office centers and other such financial institutions/banks along with the other required documents.

Can you edit your information entered?

Yes, you can edit your information after you’ve entered it. Follow the following steps:

  • Go to the official website of PM Awas Yojana -
  • Enter your application number and your Aadhar Card Number details.
  • Then click on the Edit option
  • Now you can make changes in your form and post completion save it.

People looking to buy a house can easily apply using our dedicated platform Antworks Money. We support in availing the desired home loan from the different private and nationalized banks and also help you with the process to avail the advantage provided under the extremely popular Pradhan Mantri Awas Yojana (PMAY) scheme in India.

Visit us 24x7 to gather any related information or to apply for the home loan at a comparative rate of interest!