Pradhan mantri awas yojana
The Pradhan Mantri Awas Yojana (PMAY) was founded in 2015 to help the poor in India's urban and rural areas obtain their own homes.
The most critical aspect of the Pradhan Mantri Awas Yojana is the government's subsidy of 2.67 lakh rupees, which serves as an incentive. The government offers opportunities to anyone who wants to develop their own home under the PMAY scheme.
This programme is extremely common among citizens all over the world. When the house is done, the concerned banks or financial institutions will generally charge you EMIs daily, but you will not be eligible for a subsidy.
What is pradhan mantri awas yojana?
The Government of India's Pradhan Mantri Awas Yojana aims to provide a home to every resident. The initiative, which began in 2015, was divided into two sections: urban and rural. The initiative aims to construct 2 crore houses by 2022, and it has made significant progress toward that target.
In turn, the PMAY programme includes a discounted rate of interest on loans taken out by qualifying persons to build their homes. Although not owning a home is a mandatory requirement for borrowers, there are a few other factors that decide a borrower's eligibility for a subsidy.
There are a variety of income classes that may qualify for this scheme based on a family's overall income. They must review the PMAY list of beneficiaries after completing the application process to see if their application has been approved.
Eligible income groups for pradhan mantri awas yojana
People must first review the list of individuals qualifying for this subsidy before moving on to how to check various beneficiary lists under this scheme.
The beneficiaries of the Pradhan Mantri Awas Yojana are listed below, including various income groups and other qualified groups. It is necessary to remember that this is not a list of eligibility conditions.
- Those who belong to one of the scheduled castes.
Individuals who are members of one of the scheduled tribes.
Regardless of their caste, women.
Economically Weaker Section (EWS) families with a combined income of less than Rs. 3 lakh.
Families in the Low Income Community (LIG) with a combined income of less than Rs. 6 lakh.
Families from both the Middle-Income and Upper-Income Groups (MIG I & II). The cumulative income in Category I cannot exceed Rs. 12 lakh, whereas it cannot exceed Rs. 18 lakh in Category II.
The Government of India considers the entire family's income while assessing how much of a subsidy an individual is eligible for. Also, the rate of subsidy provided to applicants is determined by the economic group to which they belong.
How to check list of awas yojana?
The procedure to check the Urban Awas Yojan list and Rural Awas Yojana list is different. Here are the steps to follow for each one of them.
STEPS TO CHECK URBAN LIST
The procedure for testing the Pradhan Mantri Awas Yojana list for urban beneficiaries is divided into two parts, and it varies from the procedure for rural beneficiaries. The steps for checking the city list are outlined below.
Step 1 – Applicants can go to the PMAY official website to see if they have been chosen for the PMAY list 2021. https://pmaymis.gov.in/ 
Step 2 – After choosing the ‘Search Beneficiary' option, they must choose the ‘Search by name' option. 
Step 3 – Although applicants can search by entering their full name, they can also search by entering the first three letters. 
Step 4 – Applicants should thoroughly review the PMAY list, which includes the names of beneficiaries and other details.
Steps to check rural list
Individuals may also look up their registration number on the Pradhanmantri Awas Yojna list of rural beneficiaries. They can also choose an alternative if this number is not available.
Using the registration number
When an application for PMAY Rural is approved, the applicant is given a registration number. Using this registration number to search the Pradhan Mantri Awas Yojana 2019, 2020 new list is the most convenient process.
Check the list of beneficiaries on the Pradhan Mantri Awas Yojana (Gramin) official website https://pmaymis.gov.in/
To access the list, enter the registration number into the portal.
Only beneficiaries whose names appear on the PMAY list will have access to additional information.
If an applicant's name does not appear on the list of beneficiaries, he or she will be notified.
Without a registration number
If an individual does not have access to or has misplaced his or her registration number, an alternative method of reviewing the list of beneficiaries can be used. An applicant can review the Pradhan Mantri Awas Yojana 2021 list by following the steps outlined below.
Start by going to PMAY's official website (Gramin). https://pmaymis.gov.in/
Choose the ‘Advanced Search' tab instead of the option to enter the registration number.
Fill out the form on the computer as completely as possible. When you've finished filling out all of the fields, select the ‘search' choice.
Applicants whose names appear on the PMAY list would then have access to additional information. Applicants who were not appointed as a beneficiary would be notified of their status.
ELIGIBILITY CRITERIA FOR PRADHAN MANTRI AWAS YOJANA
Applicants who want to be included on the PMAY list of beneficiaries should be aware of all the eligibility and documentation criteria for this government programme. The following are the additional eligibility requirements for Pradhan Mantri Awas Yojana, in addition to the income group qualifications.
- Applicants must be residents of India.
They should not own a home or other property in India. Furthermore, no member of the family should be obligated to own a brick or mortar house.
This programme is available to people who are buying or building a home. This proposal would not extend to renovations or other uses.
Applicants must not have received assistance from any other government housing programme.
The numerous documents that applicants must send to be included on the PMAY list 2021 are also listed below. This list is the same for all applicants, regardless of whether they are applying for the urban or rural section.
Photo identification proof provided by the government, such as a voter ID card, an Aadhaar card, a driver's licence, or a passport.
Proof of address, which can be found in the documents listed above. Documents such as energy bills, telephone bills, and other similar bills may be used to substantiate the current address if the residential address is not the same as the current address.
The applicant's PAN card.
Individuals who are working must provide evidence of income, which requires 6 months of financial account statements, ITRs, and other documents.
Self-employed people who want to be on the Pradhanmantri Awas Yojna list must submit a business registration certificate or a trade licence, as well as three months' worth of financial statements. They must also present the ITR for the previous two years.
Evidence of the property being bought or built.
Every applicant must review all of these eligibility requirements and prepare their documents ahead of time. It improves their chances of being included in the Pradhan Mantri Awas Yojana list.
Question and answers
Have a look at the most commonly asked questions aboout Pradhan Mantri Awas Yojana to clear all your doubts in one place.
Is the PMAY beneficiary list determined by the central government or by the state governments?
The PMAY list of beneficiaries is decided by India's central government. State govt has no role in it.
If i am on the Pradhan mantri awas yojana list then can i apply for a loan from any financial institution?
If you have been chosen as a beneficiary under the scheme, you can apply for a loan at any of the financial institutions specified under PMAY.
Is there a limit to the size of houses that individuals on the PMAY list can build?
Individuals on the PMAY list can build a home of any size, but they may be eligible for a subsidy up to a certain carpet area based on their annual income.