Pradhan Mantri Awas Yojana (PMAY) | Apply By CSC Digital Seva Portel

Pradhan Mantri Awas Yojana (PMAY)

Q1. What is PMAY

Pradhan Mantri Awas Yojna (PMAY) is an ambitious housing scheme under which the government will create affordable housing units for urban poor. It is a Credit Linked Subsidy, is a scheme launched by our Hon’ble Prime Minister for Economically Weaker Section (EWS) and Low Income Group (LIG). The beneficiary would be eligible for interest subsidy on purchase/construction of a house.

Q2. Is PMAY Scheme is available in every Town of the Country ?

Entire urban area consisting of 4041 statutory towns will be covered under the Pradhan Mantri Awas Yojna (PMAY), but initial focus will be on developing housing units in 500 selected cities in the phased manner.

Q3. What is the User Charge

The service is now live through the CSCs located in urban areas at Rs 25 per application.

Q4. Which component to select?

a) If citizen is from slum : ISSR (Insitu slum rehabilitation component)

b) If Citizen is from non slum :

i) The Applicant has to own land and should be interested in construction : Beneficiary led construction (BLC) - New Construction - in case existing structure is kutcha or semi pucca;

BLC (Enhancement) - in case existing structure is pucca and enhancement of minimum 9 sqm and max area after enhancement should not be more than 30 sqm.

ii) Can afford to construct or purchase house using housing loan : Select CLSS Credit Linked Subsidy Scheme. Citizen will get subsidy on home loan.

iii) Do not have any land to construct or cannot afford home loan Select Affordable Housing in Partnership AHP Component.

Q5. Is there any income criteria?

Household income -

i) Rs 0-25000 per month (EWS): Any component can be selected

ii) Rs 25000 - 50000 per month (EWS and LIG) : Only CLSS component can be selected

iii) Greater than Rs 50000 per month : Not eligible to submit application.

Q6. What benefits a citizen will get under the scheme?

a) ISSR: GoI grant Rs. 1 lakh per house and State & ULB share will be at the discretion of State at the time of formulation of project;

b) AHP & BLC : Central assistance of Rs.1.5 lakh per beneficiary and State & ULB share will be at the discretion of State at the time of formulation of project;

c) CLSS : Upfront subsidy @ 6.5% for EWS and LIG for loans upto Rs. 6 lakh. Subsidy calculator at http://www.pmaymis.gov.in/EMI_Calculator.aspx. Bank should have MoU with NHB or HUDCO. Check for MoU at---. CLSS helpline numbers are :

d) Helpline Numbers for CLSS: NHB: 1800-11-3377, 1800-11-3388,

HUDCO: 1800-11-6163

Q7. Does the citizen have to pay anything?

a) Pay for application at CSC Rs 25/-+service tax;

b) Beneficiary share will be told by ULB/Municipality in case you are given a benefit under the scheme. Currently this is only applicable for interested applicants

Q8. I do not have Aadhaar Card, Can I apply?

Aadhaar Number is mandatory for Citizen to apply. Please get Aadhaar number from nearest Aadhaar Enrollment Centre. CSC locator available at http://www.apnacsconline.in/csc-locator/

Q9. I am a resident of Delhi / Lakshadweep and am unable to fill my Application Form. Whom should I approach for this?

The State Governments of Delhi and Lakshadweep are yet to execute their respective Memorandum of Understanding (MoU) with the Ministry. And as such option is not available for residents of these two regions. However, potential beneficiaries opting for Credit Linked Subsidy Scheme are requested to approach a Bank/HFC of their choice and location as per the list provided at :

http://www.mhupa..gov.in/writereaddata/PLI31082016.pdf

Q10. Whom should I contact for further information?

Citizens may contact the in-charge of PMAY(U) of their Municipalities. List of State Level Nodal Agencies is at Annexure-C.

Q11. How can I know about my application status?

The citizen may visit http://www.pmaymis.gov.in/ in the menu Citizen Application, and track their application status.

Helpdesk Executive(s) may kindly contact the below mentioned officials for assistance in case of any difficulty –

Sl No. Name Designation Mobile No. E-Mail ID 1. Shri Devesh Kumar Executive 9654039667 Devesh.kumar@csc.gov.in

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