| Scheme | PMAY-HFA (Urban) Pradhan Mantri Awas Yojana |
| Department | Ministry of Housing and Urban Affairs [MoHUA] |
| Eligibility | Urban Households |
| Benefits | Housing Loan |
| Application Mode | Online |
| Official Website | https://pmaymis.gov.in/ |
PMAY-HFA Pradhan Mantri Awas Yojana
Pradhan Mantri Awas Yojana – Urban (PMAY-U) is a flagship Mission of Government of India being implemented by Ministry of Housing and Urban Affairs (MoHUA), was launched on 25th June 2015. The Mission addresses urban housing shortage among the EWS/LIG and MIG categories including the slum dwellers by ensuring a pucca house to all eligible urban households by the year 2022, when Nation completes 75 years of its Independence.
Eligibility of PMAY-HFA Pradhan Mantri Awas Yojana
1. The family identifies as one of the following –
• Economically Weaker Section (EWS): households with annual income up to ₹ 3,00,000.
• Low Income Group (LIG): households with annual income between ₹ 3,00,001 and ₹ 6,00,000.
• Middle Income Group-1 (MIG-1): households with annual income between ₹ 6,00,001 and ₹ 12,00,000.
• Middle Income Group-2 (MIG-2): households with annual income between ₹ 12,00,001 and ₹ 18,00,000.
2. The applicant or his/her family members must not be owning a pucca house in any part of the country.
3. The family must comprise of husband/wife and unmarried children.
4. The town/city in which the family resides must be covered under the scheme.
5. The family MUST NOT have previously availed the benefits of any housing-related schemes set up by the Government of India.
Beneficiary Family:
• A beneficiary family under the Mission comprises of husband, wife, unmarried sons and/or unmarried daughters.
• The beneficiary family should not own a pucca house (an all-weather dwelling unit) either in his/her name or in the name of any member of his/her family in any part of India. An adult earning member (irrespective of marital status) is treated as a separate household provided that:
• He/she does not own a pucca (an all-weather dwelling unit) house in his/her name in any part of India.
• In case of a married couple, either of the spouses or both together in joint ownership will be eligible for a single house, subject to income eligibility of the household under the scheme. An eligible beneficiary can take advantage of only one of the four verticals of the Mission.
• Further, such person with pucca house having built-up area less than 21 sq.m may be included for enhancement of existing dwelling units upto 30 sq.m. However, if enhancement is not possible on account of lack of availability of land/space or any other reason, she/he may get a house under PMAY(U) elsewhere.
Benefits of PMAY-HFA Pradhan Mantri Awas Yojana
• Slum rehabilitation of eligible Slum Dwellers with participation of private developers using land as a resource.
• Promotion of Affordable Housing through Credit Linked Subsidy Scheme (CLSS). EWS: Annual Household Income up to Rs.3,00,000; house sizes upto 30 sq.m; LIG: Annual Household Income from Rs.3,00,001 to Rs.6,00,000; house sizes upto 60 sq.m; MIG I: Annual Household Income from Rs. 6,00,001 to Rs. 12,00,000; house sizes upto 160 sq.m; MIG II: Annual Household Income from Rs.12,00,001 and 18,00,000; house sizes upto 200 sq.m
• Affordable Housing in Partnership with Public & Private sectors: Central Assistance per EWS house in projects where 35% of houses are for EWSs
• Subsidy for Beneficiary-Led individual house construction /enhancement: For individuals of EWS category requiring individual house (separate project for such beneficiaries)
PMAY-HFA Pradhan Mantri Awas Yojana Application
• Visit the Official Website of PMAY-Urban.
• Select the ‘Citizen Assessment’ option and click on the applicable choice: “For Slum Dwellers” or “Benefits under other three components”.
• Enter your Aadhaar Card details. This will redirect you to the online application form. In the form, fill in all the mandatory details, and upload the required documents. The details to be filled include name, contact number, other personal details, bank account and income details, among others.
• At the bottom of the form, click ‘Save’ and enter the Captcha code. The application is now complete and a print can be taken at this stage for future reference.
Documents Required For PMAY-HFA Pradhan Mantri Awas Yojana
• Aadhaar Number (or Aadhaar/ Aadhaar Enrolment ID)
• Self-Certificate / Affidavit as Proof of Income.
• Identity and Residential Proof (PAN card, Voter ID, Driving License)
• Proof of Minority Community (if the applicant belongs to a Minority Community)
• Proof of Nationality
• EWS Certificate / LIG Certificate / MIG Certificate (as applicable)
• Salary Slips
• IT Return Statements
• Property Valuation Certificate
• Bank Details and Account Statement
• Affidavit / Proof that the applicant does not own a ‘pucca’ house
• Affidavit / Proof that the applicant is constructing a home under the scheme
PMAY-HFA Pradhan Mantri Awas Yojana Helpdesk
Write : grievance-pmay[at]gov[dot]in
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