If you’re considering applying for the Pradhan Mantri Awas Yojana (PMAY) and want to know if you qualify, you’ve come to the right place. This guide cuts straight to the chase, detailing the PMAY eligibility criteria to help you quickly determine whether you can access this affordable housing initiative. Let’s explore and get you closer to securing your new home.
PMAY Urban Income Wise Eligibility Criteria
| Income Group | Total Annual Household Income | Maximum Carpet Area |
|---|---|---|
| Economically Weaker Sections (EWS) | Up to Rs. 3 Lakhs | 30 sq. m. |
| Low Income Group (LIG) | Rs. 3 lakhs – Rs. 6 lakhs | 60 sq. m. |
| Middle Income Group-I (MIG-I) | Rs. 6 lakhs – Rs. 12 lakhs | 160 sq. m. |
| Middle Income Group-I (MIG-II) | Rs. 12 lakhs – Rs. 18 lakhs | 200 sq. m. |
PMAY Urban Housing Eligibility
- Beneficiary family comprises of husband and wife as well as any unmarried sons or daughters
- No member of the family should own a pucca house in their name in any part of India
- Beneficiaries should not have availed assistance from any other government housing scheme
- Adult earning members (irrespective of marital status) will be considered as a separate household if they do not own a pucca house anywhere in India
- Married couples are eligible for a single house either under joint or single ownership
Eligibility Criteria – PMAY Gramin
- Landless or homeless families, aiming to support the most vulnerable in rural areas.
- Families residing in one or two-room kutcha houses, where the structures are not made of permanent materials like concrete.
- Households without a literate male adult over 25 years old, highlighting the focus on educational disadvantage.
- Families without any members aged between 15 and 59 years, addressing those lacking in workforce age support.
- Families with a disabled member, ensuring support for differently-abled individuals.
- Individuals who rely solely on casual labour for income, addressing those without stable employment.
- Members of Scheduled Castes, Scheduled Tribes, and minorities, to promote inclusivity and support for underrepresented communities.
Schemes Offered Under PMAY
PMAY consists of two primary schemes based on the demographic it aims to serve:
1. PMAY Urban (PMAY-U) aims to provide durable homes to eligible urban families lacking pucca houses. Each home comes with essential amenities such as water supply, a kitchen, electricity, and sanitary facilities.
PMAY-U promotes women’s empowerment by mandating property registration in the name of a female family member or jointly with a male. The scheme prioritises vulnerable groups including senior citizens, the differently-abled, SCs, STs, OBCs, single women, transgender individuals, and minorities.
Extended until December 31, 2024, PMAY-U has sanctioned over 118.64 lakh houses and completed 84.7 lakh as of mid-July 2024.
2. PMAY Gramin (PMAY-G) targets rural households living in non-durable kutcha houses, replacing them with pucca structures. It integrates other government programs to provide electricity, drinking water, efficient cooking fuel, and sanitation facilities, including waste management.
Funding for PMAY-G is shared between the central and state governments, with a 60:40 split in plains regions and 90:10 in the North-Eastern states, Himachal Pradesh, Uttarakhand, and Jammu and Kashmir.
As of July 2024, approximately 2.94 crore houses have been sanctioned with 2.63 crore constructed.
Take the Next Step Towards Your Dream Home
If you find yourself eligible under the PMAY criteria, don’t wait. Take advantage of this opportunity to enhance your living conditions and secure a brighter future for yourself and your family.
Visit the official PMAY website to learn more about the application process or contact your local housing authority. Remember, a better home leads to a better life, and with PMAY, your new home may just be within reach.
Frequently Asked Questions
Yes, you can have a co-applicant as long as you fall within the EWS income limits and the co-applicant’s income does not surpass the defined income cap for the category.
For PMAY eligibility, ‘income’ includes all taxable and non-taxable income of the household, including salaries, business income, and any other sources of income, as per the income category definitions of the scheme.
Yes, single women can apply for PMAY, regardless of their family head status. PMAY promotes inclusivity and ensures that women, especially from vulnerable or minority groups, have access to housing benefits.
Divorced individuals are eligible for PMAY provided they meet other criteria such as income limits and do not own a pucca house in their name across India.
For PMAY, a ‘family’ includes the husband, wife, and unmarried children. Consider adult earning members as separate households if they do not own a pucca house anywhere in India.
Non-Resident Indians (NRIs) are not eligible for PMAY unless they fulfil all other criteria like income limits and do not own any pucca house in India.
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