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Pradhan Mantri Awas Yojana 2021-2022

The PMAY scheme aims to provide affordable housing for all by 2022. We are aligned with Central Government's 'Housing for All' mission and offer benefits as outlined in the Pradhan Mantri Awas Yojana (PMAY).

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Pradhan Mantri Awas Yojana 2021-2022

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  1. Bajaj Finserv: Pradhan Mantri Awas Yojana 2021-2022

  2. Overview The PMAY scheme aims to provide affordable housing for all by 2022. We are aligned with Central Government's 'Housing for All' mission and offer benefits as outlined in the Pradhan Mantri Awas Yojana (PMAY). The Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has introduced in June 2015, an interest subsidy scheme called Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana (Urban)- Housing for All, for purchase/ construction/ extension/ improvement of house to cater EWS/ LIG/MIG segments to meet the housing demands in India.

  3. Pradhan mantriawas yojana Benefits • CLSS under PMAY schemes makes the home loan affordable as the PMAY subsidy provided on the interest component reduces the outflow on the home loan. The subsidy amount under the scheme largely depends on the category of income which you belong to as well as the size of the property unit being financed.

  4. When to apply for PMAY? • The PMAY scheme is being implemented in three phases, with the first two phases having ended. Currently, the last phase is on; it began on April 1, 2019, and will end on March 31, 2022. So if you want to avail of Pradhan mantriawas yojana, the time is now.. Income Groups (for PMAY purposes) • EWS/LIG scheme - The mission was effective from June 17, 2015 and PMAY validity is till Mar 31, 2022 • MIG-1 and MIG-II scheme - The mission was effective from March 31, 2020 and PMAY validity is till Mar 31, 2021 .  Definition of a beneficiary family: A beneficiary family will comprise of husband, wife, unmarried sons and/or unmarried daughters. An adult earning member irrespective of marital status can be treated as a separate household.

  5. Pradhan mantriawas yojana eligibility First, the property itself: • To avail of the subsidy, the residential property you choose must be a single unit or a unit in any multi-storeyed building. • The eligible unit needs to have basic facilities and infrastructure like toilet, water, sewerage, road, electricity etc; Second, the carpet area (walls not included) must not exceed: • EWS – 30 square metre (323 sq ft) • LIG – 60 square metre (646 sq ft) • MIG-I – 160 square metre (1722 sq ft) • MIG-II – 200 square metre (2153 sq ft) Finally, the location: • All statutory towns as per Census 2011 and towns notified subsequently, including planning area as notified with respect to statutory town. • If you want to know if your town qualifies, click on the National Housing Bank (NHB) link below, and look up the section marked “Statutory Town and Planning Area Codes”: https://nhb.org.in/government-scheme/pradhan-mantri-awas-yojana-credit-linked-subsidy-scheme/

  6. Thanks!

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