What Is the Housing for All Scheme or Pradhan Mantri Awas Yojana?
The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY) is an initiative taken by the Government of India which aims to provide affordable housing to the urban poor people by the year 2022. This scheme was first launched on 1st June 2015 by the Government of India and the interest rate for this scheme starts at 6.50% per annum. It can be availed for a tenure of up to 20 years. The last date for availing of this scheme for the EWS and LIG categories has been extended to 31st March 2022.
The Finance Minister of the Country, Nirmala Sitharaman announced the Union Budget for the year 2021 where she proposed the extension of eligibility for affordable housing. She also announced affordable rental housing projects and affordable rental housing for migrant workers. She further announced that an additional deduction of Rs. 1.5 lakh for all the housing loans which will be availed before 31st March 2022 and an extension for availing tax holidays for affordable housing projects by 31st March 2022.
|Date of Launch||25th June 2015|
|Expected Completion||By 2022|
|Toll-Free Number||1800-11-6163- HUDCO
1800 11 3377, 1800 11 3388- NHB
|Complaints or Suggestions||https://mohua.gov.in/cms/grievances-redressel-system-in-mohua.php|
What Are The Features of The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)?
The features of The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMJAY) are mentioned below:
- The subsidy rate of interest under this scheme is 6.50% per annum on the housing loan for a tenure of 20 years to all the beneficiaries.
- Senior citizens and differently-abled will also be given preference in the allocation of the ground floors.
- Eco-friendly and sustainable technologies would be used for construction
- The scheme will cover an entire urban area in India which includes 4041 statutory towns with the first priority given to 500 class 1 cities.
- This procedure is divided into three phases.
- The credit linked subsidy aspect of the Prime Minister Awas Yojana will get implemented in the country in all statutory towns from the initial stages.
Who Are The Beneficiaries Of The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)?
The beneficiaries of the scheme are listed as under:
|Middle Income Group I (MIG I)||Rs. 6 lakh to Rs. 12 lakh|
|Middle Income Group I (MIG II)||Rs. 12 lakh to Rs. 18 lakh|
|Lower Income Group (LIG)||Rs. 3 lakh to Rs. 6 lakh|
|Economically Weaker Section (EWS)||Upto Rs. 3 lakh|
In addition to these beneficiaries, people belonging to the ST, SC and OBC categories and women belonging to LIG and EWS income groups will also be eligible for this scheme.
What Is The Eligibility Of The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)?
The Government of India will be using The Socio-Economic and Caste Census of 2011 (SECC 2011) in order to identify and select the list of the beneficiaries of this scheme. The village panchayats along with the tehsils will be considered for consultation of the beneficiaries before making this list of the rural housing schemes. It will be done in order to ensure the transparency of the project.
List of State Level Nodal Agencies for The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)
|State/UT||Organisation Name||Address and Email|
|Andaman and Nicobar Islands||Union Territory of Andaman and Nicobar Islands||Municipal Council, Port Blair – 744101
|Andhra Pradesh||Andhra Pradesh State Housing Corporation Limited||Andhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad – 500029
|Andhra Pradesh||Andhra Pradesh Township Infrastructure Development Corporation Limited||Flat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada – 520004
|Arunachal Pradesh||Government of Arunachal Pradesh||Department of Urban Development and Housing, Mob-II, Itanagar
|Assam||Government of Assam||Block A, Room no. 219, Assam Secretariat, Dispur, Guwahati – 781006
|Bihar||Government of Bihar||Urban Development and Housing Department, Vikas Bhawan, Bailey Road, New Secretariat, Patna, Bihar – 15
|Chandigarh||Chandigarh Housing Board||Sector 9-D, Chandigarh – 160017
|Chhattisgarh||Government of Chhattisgarh||Mahanadi Bhawan Mantralaya, Room No. S-1/4, Naya Raipur, Chhattisgarh
|Dadra and Nagar Haveli, and Daman and Diu||Union Territory of Dadra and Nagar Haveli, and Daman and Diu||Secretariat, Silvassa – 396220
|Dadra and Nagar Haveli||Union Territory of Dadra and Nagar Haveli||Secretariat, Silvassa – 396220
|Goa||Government of Goa||GSUDA, 6th Floor, Shram Shakti Bhavan, Patto – Panaji
|Gujarat||Government of Gujarat||Affordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar – 382010
|Haryana||State Urban Development Agency||Bays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana – 134112
|Himachal Pradesh||Directorate of Urban Development||Palika Bhawan, Talland, Shimla
|Jammu and Kashmir||Jammu and Kashmir Housing Board||Email: Jkhousingboard@yahoo.com,
|Jharkhand||Urban Development Department||3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004
|Kerala||State Poverty Eradication Mission||TRIDA Building, Jn. Medical College, PO Thiruvananthapuram
|Madhya Pradesh||Urban Administration and Development, GMP||Palika Bhawan, Shivaji Nagar, Bhopal – 462016
|Maharashtra||Government of Maharashtra||Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai – 400051
|Manipur||Government of Manipur||Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001
|Meghalaya||Government of Meghalaya||Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001
|Mizoram||Urban Development & Poverty Alleviation, Government of Mizoram||Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram – 796005
|Nagaland||Government of Nagaland||Municipal Affairs cell, A.G. Colony, Kohima – 797001
|Odisha||Housing and Urban Development (H&UD) Department||1st Floor, State Secretariat, Annex – B, Bhubaneswar – 751001
|Puducherry||Government of Puducherry||Town & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry – 605005
|Punjab||Punjab Urban Development Authority||PUDA Bhawan, Sector 62, SAS Nagar, Mohali, Punjab
|Rajasthan||Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO)||4-SA-24, Jawahar Nagar, Jaipur, Rajasthan
|Sikkim||Government of Sikkim||Department of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok – 737102
|Tamil Nadu||Government of Tamil Nadu||Tamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu – 600005
|Telangana||Government of Telangana||Commissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, Hyderabad
|Tripura||Government of Tripura||Directorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorkha Basti, 3rd Floor, Khadya Bhawan, Agartala – 799006
|Uttarakhand||Directorate of Urban Development||State Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, Dehradun
|Karnataka||Government of Karnataka||9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore – 560001
|West Bengal||State Urban Development Authority||ILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata – 700106
|Uttar Pradesh||State Urban Development Agency (SUDA)||Navchetana Kendra, 10, Ashok Marg, Lucknow – 226002
Housing For All Scheme or Pradhan Mantri Awas Yojana (PMJAY) FAQs
✅ How much time will it take to get the subsidy amount from the Housing For All Scheme?
It usually takes around 3 to 4 months for the subsidy amount to be credited to you.
✅ What is the maximum annual income should I have to be eligible for the Housing For All Scheme?
The maximum annual income has to be less than Rs. 18 lakh.
✅ Is there any registration fee for Housing For All Scheme?
Yes, you will have to pay Rs. 25+ service tax at the Common Service Centres.
Table of Contents
- 1 What Is the Housing for All Scheme or Pradhan Mantri Awas Yojana?
- 2 What Are The Features of The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)?
- 3 Who Are The Beneficiaries Of The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)?
- 4 What Is The Eligibility Of The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)?
- 5 List of State Level Nodal Agencies for The Housing For All Scheme or Pradhan Mantri Awas Yojana (PMAY)
- 6 Housing For All Scheme or Pradhan Mantri Awas Yojana (PMJAY) FAQs