The Pradhan Mantri Awas Yojana – Urban (PMAY-U) is a government scheme launched by the Prime minister of India to provide affordable housing to the urban poor. PMAY-U was launched in the year 2015 to provide a home to every urban resident with basic amenities by 2022. The scheme is designed to address the challenge of urban housing shortages and promote the development of sustainable and inclusive cities.
Both the Union and State governments are supposed to pay for PMAY-U as it is a sponsored scheme. The main objective of this scheme is to rehabilitate the slum dwellers with private developer participants, promoting affordable houses for weaker sections through Credit Linked Subsidy Schemes (CLSS); affordable housing in partnership with public and private sectors; and subsidy for Beneficiary-led Construction (BLC).
| Official Website | https://pmaymis.gov.in/ |
| Launch Date | 25th June 2015 |
| Expected Completion | By 31 December 2024 |
| Toll-Free Number | 1800-11-6163 – HUDCO 1800 11 3377, 1800 11 3388 – NHB |
| Complaints or Suggestion | grievance-pmay@gov.in |
| Office Address | Pradhan Mantri Awas Yojana Ministry of Housing and Urban Affairs Nirman Bhawan, New Delhi- 110 011 Contact: 011 2306 3285, 011 2306 0484 Email: pmaymis-mhupa@gov.in |
| PMAY Guidelines | Click to Download Manual |
Fundamental Features of PMAY-U
- The scheme provides housing for all the sections which include all income groups.
- Economically Weaker Sections (EWS): Households with an annual income of up to ₹3 lakh.
- Low-Income Groups (LIG): Households with an annual income between ₹3 lakh and ₹6 lakh.
- Middle-Income Groups (MIG): Divided into MIG I (annual income between ₹6 lakh and ₹12 lakh) and MIG II (annual income between ₹12 lakh and ₹18 lakh).
- Financial Assistance is provided under this scheme to the Citizens.
- Interest Subsidy: For eligible applicants, an interest subsidy of up to ₹2.67 lakh is provided on housing loans through the Credit Linked Subsidy Scheme (CLSS).
- Subsidies for Affordable Housing Projects: Central and state governments, along with private developers, receive subsidies to build affordable housing units.
- The scheme provides slum redevelopment and in-situ slum upgradation to improve the lives of people who live in slums.
- PMAY-U developed new urban areas with planned infrastructure which includes roads, drainage, and green spaces.
- The selection of beneficiaries is carried out through a transparent process based on criteria such as income, existing housing conditions, and family size. Preference is given to women, elderly individuals, and persons with disabilities.
| People Also Ask: How many phases are under the PMAY-U scheme? There are a total of three phases under this scheme: Phase 1: the government targeted to cover 100 cities in different states and UTs across the country from April 2015 to March 2017.Phase 2: the government targeted to cover 200 more cities in different states and UTs across the country from April 2017 to March 2019.Phase 3: the government targeted to cover the cities that have been left out in Phase 1 and Phase 2 and attain the target by the end of December 2024. |
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Implementation Mechanism
- Central and State Governments: The PMAY-U scheme is implemented with the collaborative efforts of both central and state governments. Where central government provided financial assistance and policy guidelines state governments and urban local bodies (ULBs) are responsible for the actual implementation and execution of housing projects.
- Public-Private Partnerships: The scheme encourages public-private partnerships (PPPs) which enhances the efficiency and effectiveness of housing projects. Private developers and builders are incentivized to participate in the construction of affordable housing units.
- Monitoring and Evaluation: A regular basis of monitoring and evaluation is done under the scheme. This helps to overcome problems and issues which are faced under the scheme. The scheme uses various digital platforms and data analytics tools to track progress and address challenges.
Achievements and Impact
- Increased Housing Stock: Pradhan Mantri Awas Yojana – Urban has increased housing stocks in urban areas. Where more than thousands of homes are constructed and many slum dwellers have benefited from improved living conditions.
- Enhanced Quality of Life: The provision of basic amenities and better infrastructure has led to an improved quality of life for beneficiaries. Access to clean water, sanitation, and electricity has enhanced living standards.
- Empowerment of Women: the scheme has empowered many women by considering their names in beneficiary. Provided ownership to many women at the same time. This has contributed to gender equality and women’s empowerment in urban areas.
- Economic Growth: The construction and development activities under PMAY-U have generated employment opportunities and contributed to economic growth in urban areas.
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Challenges and Future Directions
Despite its successes, Pradhan Mantri Awas Yojana – Urban faces several challenges, including:
- Land Acquisition Issues: It is difficult to secure lands in populated urban areas.
- Funding Constraints: Ensuring adequate funding and timely disbursement of subsidies remains a challenge.
- Implementation Delays: A few projects are not yet implemented due to bureaucratic hurdles and logistical issues.
PMAY Loan Eligibility
The PMAY beneficiaries are selected based on the ‘Socio-economic and caste Census 2011’. Panchayat and tehsil are consulted before finalizing the name of the beneficiary and adding it to the beneficiary list. This will be done to ensure transparency in the project and to ensure that only the right people get the housing.
Pradhan Mantri Awas Yojana- Urban Beneficiaries (PMAY)
| Beneficiary | Annual Income |
| 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) | Up to Rs.3 lakh |
PMAY Interest Subsidy
| Particulars | Interest Subsidy | Maximum Loan for Subsidy |
| EWS | 6.50% p.a. | Rs.6 lakh |
| LIG | 6.50% p.a. | Rs.6 lakh |
| MIG -1 | 4.00% p.a. | Rs.9 lakh |
| MIG-2 | 3.00% p.a. | Rs.12 lakh |
How to Apply for the PM Awas Yojana Online?
You can apply for PM Awas Yojana (PMAY) through the PMAY portal. The application process of this scheme is straightforward to use. All you need to do is enter your Aadhaar number and follow the instructions given on the screen.
Urban PMAY
- The first step is to visit the PMAY portal.
- Next, Click on the ‘Citizen Assessment’ option or the ‘Apply Online’ option.
- Depending on your income group choose EWS/LIG/MIG.
- Enter all your details such as your personal information, Aadhaar number, income details, etc.
- At the end submit your application.
- Your application will be verified by the concerned authority. You can visit the PMAY portal to track the status of your application.
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PMAY Customer Care Helpline Numbers
In case if you face any problem related to the application process, interest rates, or any other scheme-related queries, customers can contact the toll-free helpline number:
- 1800-11-6163 (Urban, HUDCO)
- 1800-11-3388 (Urban,NHB)
- 1800-11-3377 (Urban,NHB)
- 1800-11-6446 (Gramin)
Pradhan Mantri Awas Yojana FAQs:
Q1. Is Pradhan Mantri Awas Yojana – Urban still available?
Union cabinet approved PMAY-U up to 31st December 2024 in August 2022. With all verticals, except CLSS, for the completion of already sanctioned houses till 31st March 2022. All houses under PMAY-U have basic amenities like toilets, water supply, electricity, and a kitchen.
Q2. Who is eligible for PM Awas Yojana 2024?
The PMAY scheme is open to families with an annual income of up to Rs. 18 lakh.
Q3. Which bank gives Pradhan Mantri Awas Yojana?
You can apply to the scheme through HDFC Bank. contact your closest HDFC Bank to apply now.
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