PMAY Urban 2024: Your Complete Guide To The Housing Scheme

The Pradhan Mantri Awas Yojana (PMAY) Urban, launched by the Government of India, aims to provide affordable housing to urban poor households. As of 2024, PMAY Urban continues to play a pivotal role in reshaping urban housing, addressing the needs of millions across India. In this guide, we’ll explore its objectives, eligibility, progress, and impact on urban communities.

Latest News On PMAY-U 2024

Image Source: X/PMAY

The Minister for Housing and Urban Affairs recently revealed that a forthcoming Urban Housing Scheme, featuring a subsidy on home loan interest, is in its final stages of development. This initiative, announced by Prime Minister Narendra Modi during his Independence Day address last year, is currently being fine-tuned by the Union Government. It is intended to supplant the Credit Linked Subsidy Scheme (CLSS) under the Pradhan Mantri Awas Yojana Urban (PMAYU), which ceased catering to the Middle Income Group (MIG) category in March 2021. The new scheme will prioritise offering subsidies on home loans for urban areas, aiming to alleviate financial strain on middle-class families renting in urban locales.

Objectives Of PMAY Urban

• To narrow the disparity between the current need for housing and the available supply.
• To relocate slum residents into permanent homes through collaboration with private developers.
• To encourage affordable housing among disadvantaged groups through the Credit Linked Subsidy Scheme (CLSS).
• To provide financial aid, in the form of subsidies, to eligible families for house construction.

Eligibility Criteria

Image Source: PMAY Official Website

To be eligible for PMAY Urban, you need to meet the following criteria:

1. Income:

• Economically Weaker Section (EWS): Annual income up to Rs 3 lakh.
• Low-Income Group (LIG): Annual income between Rs 3.01 lakh and Rs 6 lakh.
• Middle-Income Group (MIG-I): Annual income between Rs 6.01 lakh and Rs 12 lakh.
• Middle-Income Group (MIG-II): Annual income between Rs 12.01 lakh and Rs 18 lakh.

2. Ownership:

• You must not own a pucca house anywhere in India (including your spouse or any family member).
• You cannot have availed benefits under any other housing assistance scheme from the government previously.

3. Other:

• You must be an Indian citizen.
• You must be a female or a married couple/joint applicant (one spouse from the MIG category allowed).
• You must have a valid Aadhaar card for all family members included in the application.

Additional points to consider:

• Some states might have slightly different income ceilings based on local conditions.
• The maximum carpet area of the house varies depending on the income category and state guidelines.
• Priority is given to certain groups like Scheduled Castes/Tribes, minorities, and women-headed households.

Document Requirements

The specific document requirements for PMAY Urban can vary slightly depending on the chosen scheme component, your income category, and your state. However, here’s a general overview of the common documents you may need:

Mandatory Documents:

• Aadhaar Card: For all family members included in the application.
• Identity proof: Passport, PAN card, Voter ID, etc. (as specified).
• Income Proof: Salary slips, income tax returns, bank statements, etc. (as per income category).
• Caste certificate (if applicable): For SC/ST/OBC categories.
• Bank account details: Passbook copy or statement showing account number and IFSC code.

Additional Documents (may be required):

• Land ownership documents (for BLC/BLCE): Land title deed, property tax receipts, etc.
• Occupation certificate (for self-employed): Issued by the relevant authority.
• Disability certificate (if applicable): For differently-abled applicants.
• Declaration of not owning a pucca house: Signed by applicant and spouse.
• No Objection Certificate (NOC) from employer (if salaried): Proof of employment.
• Other documents as specified by state or scheme component: Visit official websites for specific details.

Choosing Scheme Component

PMAY Urban offers different components catering to various situations:

1. Beneficiary Led Construction/Enhancement (BLC/BLCE): Build/renovate an individual house on its own land.
2. In-Situ Slum Redevelopment (ISSR): Participate in redevelopment projects within slums.
3. Affordable Housing in Partnership (AHP): Purchase flats in government-approved projects by developers.
4. Credit Linked Subsidy Scheme (CLSS): Avail subsidy on home loans from select banks.

How To Apply Online For PMAY Urban Scheme

Image Source: PMAY Official Website

Below are simplified steps to apply online for a house under the PMAY Urban Scheme:

Step 1: Visit the official website of PMAY Urban at pmaymis.gov.in.

Step 2: Select either ‘Slum Dwellers’ or ‘Benefits Under 3 Components’ under Citizen Assessment, based on your eligibility.

Image Source: PMAY Official Website

Step 3: Verify your Aadhar details by entering your Aadhar number; the system will validate it.

Image Source: PMAY Official Website

Step 4: Complete the form with accurate details; any inaccuracies may result in the cancellation of your application.

Step 5: After filling in all the required information, scroll down, enter the captcha, and click on the submit button to complete the application process.

Note: If you realise you missed providing any details or entered incorrect information, you can edit the form using your Application and Aadhar number.

How To Check Your PMAY Application Status

Here are the steps to track your PMAY application status under the PMAY Urban Scheme:

• Visit the PMAY Urban Scheme website at pmaymis.gov.in.
• Navigate to Citizen Assessment and select “Track your Assessment Status.”

Image Source: PMAY Official Website

• Track your assessment status by entering either your Assessment or Application ID, or provide your Name, Father’s Name, and registered Mobile Number.

Image Source: PMAY Official Website

• Upon entering the required details and clicking Submit, the system will display the precise status of your PMAY Urban Application or Assessment.

Key Highlights For EWS, LIG, MIG I, & MIG II

Below are the key highlights for different categories of applicants under the PMAY Urban Scheme:

Particulars	EWS	LIG	MIG I	MIG II
Eligible Home Loan Amount	Up to 6 Lakh	Up to 6 Lakh	Up to 9 Lakh	Up to 12 Lakh
Maximum Loan Tenure	20 Years	20 Years	20 Years	20 Years
PMAY Urban Interest Subsidy	6.50% per annum	6.50% per annum	4.00% per annum	3.00% per annum
Carpet Area	Up to 30 Sq. Mt.	Up to 60 Sq. Mt.	160 Sq. Mt.	200 Sq. Mt.
Maximum Interest Subsidy Amount	Rs.2,67,280	Rs.2,67,280	Rs.2,35,068	Rs.2,30,156
Duration of PMAY Urban Scheme	June 2015 to December 2024	June 2015 to December 2024	January 2017 to December 2024	January 2017 to December 2024
Women Ownership	New Property: Yes	Existing Property: No	New Property: Yes	Existing Property: No
Co-Ownership	New Property: Yes	Existing Property: No	New Property: Yes	Existing Property: No
Building Design Approvals	Mandatory	Mandatory	Mandatory	Mandatory

Pradhan Mantri Awas Yojana (PMAY-U): 2024 Progress Highlights

Image Source: PMAY Official Website

The Pradhan Mantri Awas Yojana (PMAY-U), a flagship initiative aimed at providing affordable housing for urban residents, has made significant progress as of 2024. Here are some key highlights:

• Sanctioned Houses: As of now, a remarkable 118.63 lakh houses have been sanctioned under the scheme, demonstrating the government’s commitment to fulfilling the housing needs of the urban population.
• Grounded Houses: 114.09 lakh houses have progressed to the “grounded” stage, signifying the commencement of construction activities. This substantial number reflects the steady progress of sanctioned projects.
• Completed Houses: With 80.35 lakh houses already completed, PMAY-U is actively delivering on its promise of providing homes to beneficiaries. This translates to a significant number of families now residing in secure and affordable housing.
• Financial Support: The central government has committed Rs 2 lakh crore in central assistance to support the scheme, showcasing its unwavering financial commitment to PMAY-U.
• Funds Released: So far, Rs 1,56,412 crore of central assistance has been released, ensuring the smooth flow of funds for project execution.
• Total Investment: The total investment in PMAY-U stands at a staggering Rs 8.11 lakh crore, highlighting the collaborative effort between the government, private sector, and beneficiaries to make affordable housing a reality.
• Beneficiary Support: Over 25 lakh beneficiaries have been provided with a housing loan interest subsidy of Rs 58,868 crore, making homeownership more accessible by reducing their financial burden.
• Job Creation: The estimated investment under the scheme has contributed to the creation of around 3 crore direct and indirect jobs, providing significant employment opportunities and boosting the economy.

These impressive figures demonstrate the continued success of PMAY-U in addressing the housing shortage in urban areas. The scheme is making significant strides towards its goal of providing “Housing for All”.

Recent Developments And Notable Initiatives In PMAY-Urban

Image Source: Twitter/PMAY 

While PMAY-Urban doesn’t frequently roll out major changes, here are some recent developments and notable initiatives to consider for your guide:

1. Extension of Scheme: Initially targeted to achieve its goals by 2022, PMAY-Urban was extended until December 31st, 2024 as per notice released by the govt dated August 17th 2022. This allows more people to benefit and provides additional time for project completion.

2. Affordable Rental Housing Complexes (ARHCs): Launched in 2022, ARHCs provide dignified and affordable rental housing close to workplaces for urban migrants and informal sector workers. Incentives are offered to public and private entities for developing and operating ARHCs.

3. Focus on Completing Sanctioned Houses: The current focus is on completing houses already sanctioned before March 2022 under all components except CLSS. This ensures quicker availability of affordable housing units.

4. State-Specific Initiatives: Several states have launched their own initiatives under PMAY-Urban to cater to local needs and accelerate progress.

5. Increased Emphasis on Technology: The Ministry of Housing and Urban Affairs encourages utilising technology for beneficiary registration, tracking applications, and project monitoring to improve transparency and efficiency.

6. Sustainability and Inclusive Development: PMAY-Urban promotes green building practices, accessibility features for differently-abled people, and inclusive urban development approaches in its projects.

State-Specific Programmes Under PMAY-U

North India:

• Haryana: “Deen Dayal Jan Awas Yojana” offers financial assistance for house construction to EWS and LIG families in urban areas.
• Uttar Pradesh: “Mukhyamantri Awas Yojana – Urban” provides financial assistance of up to Rs 4 lakh for house construction to EWS and LIG families.

West India:

• Maharashtra: “Mission Begin Again” focuses on redeveloping dilapidated buildings and slums in Mumbai, offering various incentives and simplifying the process.
• Gujarat: “Mukhyamantri Gruh Yojana” offers an additional subsidy of Rs 1 lakh for rural and urban low-income families, on top of PMAY-U benefits.

South India:

• Andhra Pradesh: “Navaratnalu – NTR Bharosa” provides financial assistance for house construction and repairs to eligible families, with additional benefits for SC/ST and women beneficiaries.
• Tamil Nadu: “Ungal Thozhil Pudhu Vaippu (UTP)” scheme offers subsidies for housing construction and renovation to urban poor families, with a focus on women-headed households.

East India:

• Odisha: “Biju Pucca Ghar Yojana” provides financial assistance for constructing pucca houses for identified rural and urban poor families.
• West Bengal: “Banglar Awas Yojana” aims to improve the living conditions of urban poor families by providing them with pucca houses and other basic amenities.

Central India:

• Madhya Pradesh: “Mukhyamantri Awas Yojana (Urban)” provides financial assistance of up to Rs 1 lakh for house construction or renovation to identified SC/ST and BPL families in urban areas.
• Chhattisgarh: “Rajiv Gandhi Gramin Awas Yojana (RGGAY)” provides financial assistance for the construction of pucca houses to rural and urban poor families, with an emphasis on using local and sustainable materials.

North-East India:

• Sikkim: “Sukanya Awas Yojana” provides financial assistance of up to Rs 7.5 lakh for the construction of new houses or renovation of existing ones to women belonging to BPL families in urban areas.
• Arunachal Pradesh: “Deen Dayal Upadhyay Awas Yojana” provides financial assistance of up to Rs 1.5 lakh for the construction of pucca houses to identified BPL families in both rural and urban areas.

Remember, this is not an exhaustive list and various other states have launched their own initiatives. It’s recommended to explore the official websites of your state’s housing department or urban development department for the latest and most relevant information.