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Pradhan Mantri Awas Yojana (PMAY) Eligibility Criteria 2024: A Comprehensive Guide


The Pradhan Mantri Awas Yojana (PMAY) is a flagship initiative by the Government of India, launched in 2015, with the goal of providing affordable housing to the urban and rural poor. By 2022, the scheme aimed to achieve the vision of "Housing for All." As we move into 2024, it is essential to understand the updated eligibility criteria for those who wish to benefit from this scheme. This blog provides a comprehensive overview of the eligibility requirements for PMAY in 2024.

Key Components of PMAY

PMAY is divided into two main components:

  1. PMAY-Urban (PMAY-U): Targets urban areas and focuses on in-situ rehabilitation, affordable housing through credit-linked subsidy, affordable housing in partnership, and subsidy for beneficiary-led individual house construction/enhancement.

  2. PMAY-Gramin (PMAY-G): Targets rural areas and aims to provide pucca houses to homeless and those living in kutcha houses.

Eligibility Criteria for PMAY-U

The eligibility for PMAY-U is based on income groups and specific conditions. Here are the detailed criteria:

  1. Economically Weaker Section (EWS):

  • Annual household income up to ₹3 lakh.

  • The applicant must not own a pucca house in their name or in the name of any family member anywhere in India.

  • Preference is given to women, scheduled castes, scheduled tribes, other backward classes, minorities, disabled, and transgenders.

  1. Low Income Group (LIG):

  • Annual household income between ₹3 lakh and ₹6 lakh.

  • Similar property ownership conditions as EWS.

  • Women ownership/co-ownership is mandatory for new housing.

  1. Middle Income Group (MIG-I):

  • Annual household income between ₹6 lakh and ₹12 lakh.

  • The applicant should not own a pucca house in their name or in the name of any family member in any part of India.

  • The carpet area of the house should not exceed 160 sq. meters.

  1. Middle Income Group (MIG-II):

  • Annual household income between ₹12 lakh and ₹18 lakh.

  • Same property ownership condition applies as MIG-I.

  • The carpet area of the house should not exceed 200 sq. meters.

Eligibility Criteria for PMAY-G

PMAY-G focuses on rural areas and has slightly different eligibility conditions:

  1. Homeless and Those Living in Kutcha Houses:

  • Priority is given to those without any housing or living in zero, one, or two-room kutcha houses.

  1. Socio-Economic Caste Census (SECC) 2011 Data:

  • Beneficiaries are selected based on SECC 2011 data, which includes parameters like households with no adult member aged between 16 and 59, households without a literate adult above 25 years, etc.

  1. Other Criteria:

  • Households without land and dependent on alms for a livelihood.

  • Households with differently-abled members and no able-bodied adult member.

  • Households with no adult male member aged between 16 and 59.

Common Criteria Across PMAY

  • Beneficiary Family Definition: The beneficiary family will consist of husband, wife, unmarried sons, and/or unmarried daughters.

  • House Ownership: The applicant or any of the family members should not own a pucca house in any part of India.

  • Aadhaar Card: Possession of a valid Aadhaar card is mandatory for applying under PMAY.

  • Women Ownership: For EWS and LIG categories, ownership of the house in the name of the female head of the household is preferred. In the absence of a female head, it should be in the name of the male head.

Application Process

  1. Online Application:

  • Visit the official PMAY website.

  • Fill out the application form with the required details.

  • Upload necessary documents (ID proof, income proof, etc.).

  1. Common Service Centers (CSCs):

  • Applicants can also apply through CSCs spread across the country.

Conclusion

The Pradhan Mantri Awas Yojana continues to be a beacon of hope for millions of Indian citizens striving for affordable housing. The updated eligibility criteria for 2024 ensure that the benefits of the scheme reach the most deserving sections of society. By meeting these criteria, applicants can take a step closer to securing a home of their own, fulfilling the dream of "Housing for All."

For more details and the latest updates, it is advisable to visit the official PMAY website or contact the nearest CSC.

 
 
 

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