Eligibility Criteria under the Pradhan Mantri Awas Yojana

Eligibility Criteria under the Pradhan Mantri Awas Yojana

The programme is mainly aimed towards those who belong to the backward classes, especially the SC/STs and the Economically Weaker Section (EWS) of the society. Therefore the eligibility criteria for these are extremely relaxed – you will however have to provide proof that you belong to these minority communities. The programme (Pradhan Matri Awas Yojana) is also aimed towards providing better aid to women irrespective of their castes.

Eligibility Criteria under the Pradhan Mantri Awas Yojana

  • Eligibility Criteria under the Pradhan Mantri Awas Yojana

So the first three criteria for eligibility are:

  • EWS: You have to provide enough proof that you belong to the economically weaker section of the society. How will the government define EWS and LIS categories? There are specific criteria listed to distinguish you belong to the EWS category. Households with an annual income Up to Rs. 3 lakh will be defined under EWS.
  • LIG: LIG or Low Income Group people are also eligible to get benefits under PMAY. To be classified under LIG you will have to prove that your annual household income is between Rs. 3lakh and 6 lakh.
  • MIG 1: Medium Income Group 1, a person earning leass then rs 12 lakhs per year. He/she can get loan upto rs 9 lakhs.
  • MIG 2: Medium Income Group 2, a person earning less then rs 18 Lakhs. He/She can get loan upto rs 12 lakhs.
  • Minority Groups: The persons belonging to the minority communities such as the SC/ST or OBC, will have to provide adequate provide their caste certificates to enlist themselves for PMAY.
  • Women: Women who either belong to the minority communities or EWS or LIG will also be considered eligible for PMAY.
  • Other clauses of Eligibility

Although there are no strict regulations , if the beneficiary is a family, then the family must comprise of a husband, a wife and children who are unmarried. This is the basic criteria for acting as a beneficiary.

A beneficiary of this accord should not own any Pucca house in either his or her name or in the name of their family members.

  • What each category is eligible to receive?

The LIG category is eligible is to receive assistance only under the CLSS component of the mission, while EWS is eligible to receive assistance under all the four stages. It must be noted that the State/UTs may redefine the annual income limit as per the needs of the local residents.

According to a component of the scheme the carpet area of the houses being made for the EWS would be of about 30 sqm while the carpet area for the houses being made for the LIG will be of 60 sqm. For MIG 1 it will be 90sqm and MIG 2 110 sqm.

  • Let’s take a quick recap about all the things we learnt about PMAY’s eligibility:
Serial No. Things in question Points to be noted
1 Eligibility to act as a beneficiary

 

Since the economically backward sections of the society and women are being targeted through this scheme, they have been given priority.
2 Main Criteria for eligibility

 

You will need to belong to Economically backward calls, lower income group, or minority community to get the benefits. Women of lower castes will also be addressed through this system.
3 Other clauses of eligibility

 

You can be a beneficiary with a family and children (unmarried). Your age must not exceed 70 years. Also, you should not have any Pucca house under your own name or in the name of any of the members of your family.
4 What each category is eligible to receive?

 

EWS will receive houses with 30 sqm carpet area while LIG receives that of 60 sqm.

Other Article :

  1. Pradhan Mantri Awas Yojana Gramin (Rural Housing Scheme)
  2. Pradhan Mantri Awas Yojana Phase 1 2 And 3

39 comments

  1. I want this scheme. Our household income is low. we belongs to LIG group.

    LIG: LIG or Low Income Group people are also eligible to get benefits under PMAY. To be classified under LIG you will have to prove that your annual household income is between Rs. 3lakh and 6 lakh.

  2. plzz give any important notification regarding this yojana on my email address

  3. I want the detail of scheme PMAY:
    1. How to get the preject registered with Govt Dept by the builder
    2. Detail of respective dept with Mail id & Contact detail in respective states like Navi Mumbai Maharashtra,
    3. How to apply by an individual for availing the benefits : like detail of authority, Form to be filled up, Any help line to get the detail.

  4. I am from OBC caste, annual income is below 150000/-, how can I apply for this scheme?

  5. I am a defense employee. I belongs to obc category. My annual income is between 3-4 lakhs.I’m the only income source of my family.my family belongs father ,mother,younger brother and grand mother. I am 25 yeras old.can I apply for this scheme?

  6. Hi am female employee in MNC company with annual income 6 to 12 lacks. I have registered flat in Pune , Pisoli area in Jan 2015. However, I still have not received possession. Please suggest if still I can avail pradhan Mantri Awas yojana Urban area.

  7. I purchase one flat in mumbai in 2017 maharashtra, by selling my first old flat in 2014.Can i eligible for pradhan mantri aawas yojana?

  8. I recently baought a house in uttam nagar delhi in 2016.
    my income is 4 lakh per year am i eligible to get pradhan mantry awas yojna.As people sujezting that only lady can be benifited if the property is in her name.
    Please suggest.

  9. We are a family with husband, wife & 3 small children. Both our income put together is 6,00,000/- per year. We are planning to buy a house in both our names in mulky, Mangalore. We don’t have any property in our name. How much we will be eligible. Please help me.

  10. Guys my household income is low but we belong to general category why cant we apply

  11. Is this scheme applicable to women only? i mean if a man is purchasing his first property (whose income range is between 3 lakhs to 6 lakhs) on his own name, is he eligible under this scheme?

  12. Dear sir/Mam,
    I have loan of 27 lacks from last 2 years & my annual income is 6.25 Lacs, If I belong to backward class then 1st will I eligible for PMAY scheme. If yes then how do I process to avail this benefit from my lender

    • this scheme is only for first time home buyers. Since you have taken home 2 years back so cannot avail this benefit.

      • From when is this scheme applicable?

        I took my first home loan in Nov 2015 from HDFC, am I eligible for converting my current home loan under the PMAY?

  13. I took house loan and constructed a house in 2012, it’s my first house and I meet all the eligible criteria. Shall i apply for this scheme now to avail interest subsidies

  14. hii…i have purchased a flat in pune recently under the subvension.scheme given.by the builder. I was informed that i will be eligible for pradhan mantri awaas yojna. But now at this point they are saying that i cannot get it because i have taken the subvension scheme from the builder.I want to confirm if they are saying the truth .please confirm.

    • please use helpline number and talk to them

      • hii…i have purchased a flat in pune recently under the subvension.scheme given.by the builder. I was informed that i will be eligible for pradhan mantri awaas yojna. But now at this point they are saying that i cannot get it because i have taken the subvension scheme from the builder.I want to confirm if they are saying the truth .please confirm.

        please provide helpline no

  15. Sir I have purchased my first flat on my wife name my loan sanctioned on 26 July 2016 and got my possession on november 2016 my total loan amount was 29 lack and my gross income was 6.4 lac at that time now may I avail this scheme since at that time I was unaware of such scheme so pl suggest me .

  16. Hi,

    I had booked my flat in May-2016 under subvention plan. Having home loan of Rs. 22 lakhs from PNBHFL which was already paid by PNBHFL in May-2016. I am in Income Group of 6 to 7 Lakhs in a year.

    However I have not received my possession till date from buyer.

    Am I eligible to avail benefits under PMAY scheme and how much amount ?????? Also suggest criteria to approach for this activity.

  17. I am divorcee, I have by flat in pune , so I want to know Divorce women is applicable or not for this scheme, If yes then please share me all details.

    • Sir / Madam I am living in tahshil of akola dist. In Maharashtra .Want to get this yojana so please send me details ex. Which documents , where to submit.

  18. Phanindra Avadhanula

    thank u for ur information sir. would u please tell me sir how many square feets of house to be constructed.please explain briefly sir. my house place is 164 square feets.

  19. I am selected lucky one who’s PMAY scheme home. But i am trying for a loan about pending amount. But all bank is refused for loan. I have a all types of necessary document but also bank is told excuse and some banks is clearly say they are not approve home loan for PMAY SCHEME.

  20. Hi

    I’m unmarried working women, total income of mine and my dad will sum upto 4lakh per annum. We are currently living in a place owned by my grandpa. Would like to get the home constructed properly. am i or my dad eligible for availing this scheme

  21. I AM GOVT EMPLOYEE COMES UNDER MIG CATOGERY. I HAVE PURCHASED A HOUSE IN MY WIFE AND MY NAME DURING NOVEMBER 2015. DO I ELIGIBLE FOR PMAY. WHEN I ENQURIRED THE BANK PEOPLE TOLD THE SCHEME IS EFFECTIVE FROM JAN 2017 ONWARDS. PL CONFIRM 988

  22. mayukh kr.choudhury

    I belonging to the general category,earning below Rs 60000 in a year have purchased a flat drawing a loan of Rs 1000000..i want to know whether i will get the benefit of subsidies of PMAY..

  23. The apartments which I purchased in Perumbakkam Chennai was purely rejected under PMAY scheme was only due to that it is in Perumbakkam

    I don’t understand why it was not sanctioned by the Housing Loan people. I had got the housing loan.

  24. Vishal Ashok Kumbhar

    Namaskaar Sir,
    I want to buy a flat in pune. this is my first house also i belong to OBC caste. am i eligible for this scheme.my annual income is 12 lakhs. currently i m situated n Kuwait so wanted to know as how to go ahead with the process for applying same and availing benefit.

  25. I want to buy a flat in Mumbai. I am looking for loan around 27 lakh. My Annual Pay is around 4 Lakh. Will I be eligible for PMAY scheme. I would be taking loan in join with my Mother or wife. If yes, under which scheme I fall. Kindly suggest, thank you in advance.

  26. Me and my brother we R planning to purchase house in grampanchayat in partnership is we R eligible

  27. loan has been sanctioned & disbursed on 28/02/2017 but property is registered on 08/03/2017.

    my ploy is approved by DTCP & Building is approved by Panchayat. whether i am eligible for scheme.

    If not whether i am eligible if i transfer loan to other bank

    Regards
    Manoj

  28. Is it only for woman or men also

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