Pradhan Mantri Awas Yojana Jharkhand - PMAY Online Form Apply, Gramin List 2022

The Honourable Prime Minister Shri Narendra Modi has made it clear that New India will guarantee that every Indian has a pucca roof over their head. As a result, the Pradhan Mantri Awas Yojana started giving pucca dwellings to the nation's impoverished and marginalized citizens. Two distinct programs—Pradhan Mantri Awas Yojana Urban (PMAY-U) for urban regions and Pradhan Mantri Awas Yojana Gramin (PMAY-G) for rural areas—are used to carry out the mission.

Pradhan Mantri Awas Yojana – Gramin

By 2024, this program intends to give a pucca house with basic amenities to 2.95 million rural houseless households who currently reside in kitchens and decaying homes. People are given financial support under the Scheme to build their homes.

• Plains areas receive Rs. 1.2 lakh, whereas hilly states, challenging areas, and IAP districts receive Rs. 1.3 lakh (Integrated Action Plan for Select Tribal and Backward Districts). In addition, the Swachh Bharat Mission - Gramin provides Rs 12,000 for the construction of toilets.
• 2.34 crore homes have been approved as of April 28, 2022, and 1.79 crore homes have been constructed, altering lives and providing people with social, economic, and emotional security.

How can I use PMAY-G?

By SECC statistics and the Awas+ survey, all individuals and households living in zero, one, or two-room homes with kutcha walls and kutcha roofs (kutcha houses) are eligible beneficiaries under PMAY-G.

 They have been discovered through a list created with the aid of surveys conducted at the national, state, and gram panchayat levels, such as the socioeconomic and caste census (SECC 2011). The beneficiaries left off this list can also contact local offices for redress. This list lists the genuine beneficiaries who are homeless.

Urban Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana – Urban was launched in June 2015 to fulfilling the vision of 'Housing for All by providing 'Pucca House' to eligible beneficiary families in urban areas.

• Financial aid is provided to individuals with land, while those without land may be eligible for newly built homes. The programs offer a variety of advantages, including financial support for purchasing or building one's own pucca house, the provision of essential utilities like running water, electricity, and toilets, and ownership in favor of female members or joint names to empower women. Crore homes have been approved, and 58 lakh of those will be finished by March 2022.

How can you use PMAY-U?

Beneficiaries who want benefits must contact the local urban body in their area. Beneficiaries must submit a direct application to a bank or housing financing firm to receive benefits under the Credit Linked Subsidy Scheme (CLSS).

Some significant details about Pradhan Mantri Awas Yojana:

Following independence, India's public housing program began with the rehabilitation of refugees. In various regions of Northern India, homes were provided to over five lakh families until 1960. The Village Housing Program (VHP) was established in 1957 as part of Prime Minister Nehru's second five-year plan. It offered loans to cooperatives and individuals of up to 5,000 rupees per unit. By the end of the fifty-five-year plan, only 67,000 dwellings could be built under this plan (1974–1979). In addition, from 1974 to 1975, the House Sites-cum-Construction Assistance Scheme (HSCAS), a fourth-generation program, was moved to the State Sector.

• The public housing initiative in India gained momentum with the introduction of the Indira Awas Yojana (IAY) by the country's then-Prime Minister Rajiv Gandhi in 1985. IAY was started as a program for rural housing that catered to SC/ST and minority populations. The program was eventually expanded to include everyone below the poverty line (BPL). 
• The Pradhan Mantri Awas Yojana, which aims to offer affordable housing, was introduced by Prime Minister Narendra Modi in June 2015 as part of the ongoing efforts of the Indian Government to meet the housing requirements of the rural and urban poor. 
• Under PMAY, it is planned to construct two crore dwellings for urban poor, including Economically Weaker Sections and Low-Income Groups, by the year 2022 with financial support from the federal Government totaling 2 lakh crore (US$25 billion). 
• The Government offers a subsidy of 2.67 lakh rupees under the Pradhan Mantri Awas Yojana on the interest on a home loan taken out to purchase a home. Under the Pradhan Mantri Awas Yojana, the Uttar Pradesh Housing Development Council would offer reasonably priced dwellings. In Uttar Pradesh, applications under this program are being sought for roughly 3,516 homes. The booking period begins on September 1, 2020, and ends on October 15, 2020. 
• The Indira Awas Yojana, also known as IAY, is one of the country's first centralized housing programs. Rajiv Gandhi, the prime minister at the time, first announced it in 1985.
• The program's main goal was to provide homes for those who were economically underprivileged in the nation and those who were BPL or below the poverty line.
• Beneficiaries from the Scheduled Caste and Scheduled Tribe minority groups were first the only ones eligible for its benefits. But as of 2016, IAY and the Pradhan Mantri Awas Yojana Gramin plan were formally combined.

Describe PMAY

The PM Awas Yojana, introduced on June 1, 2015, aims to end India's housing shortage by concentrating on urban and rural areas. Informally known as the Pradhan Mantri Awas Yojana-Shahri and the Pradhan Mantri Awas Yojana-Gramin, it comprises two components: PMAY Urban and PMAY Rural.

PMAY: The foundation

Even though numerous central governments have introduced programs to address India's housing shortage since the 1990s (such as the Indira Awas Yojana in 1990 and the Rajiv Awas Yojana in 2009), the Narendra Modi-led administration unveiled a decentralized program in 2015 intending to provide housing to every Indian citizen. The Pradhan Mantri Awas Yojana, or PMAY, is the name of this ambitious program.

Beneficiaries of the Pradhan Mantri Awas Yojana

Based on the household's annual income, the beneficiaries on the PMAY list are split into four groups. Here we are giving the income list:

• Economically Weaker Section up to Rs three lakhs
• Lower Income Group Rs three lakhs to Rs six Lakhs
• Middle-income Group Rs six lakhs to Rs twelve lakhs
• Middle-income group two Rs twelve lakhs to eighteen lakhs

PMAY subsidy amounts for different categories

Depending on their category, borrowers under the PMAY CLSS receive various rebates on their housing loans. The PMAY scheme's maximum subsidy is Rs 2.67 lakhs (Rs 2,67,280 to be exact).

Here we are giving the list of Borrower categories and PMAY CLS S Subsidy amount:

• EWS- 2.20 Lakhs
• LIG – 2.67 Lakhs
• MIG-MIG1- 2.35 Lakhs
• MIG -2- 2.30 Lakhs

Who may benefit from the PMAY program?

• According to the guidelines established by the Pradhan Mantri Aawas Yojana, a family is defined as a husband, wife, and unmarried children. A recipient requesting benefits under this Scheme should not be the owner of a pucca house in any region of India, either in his or any family member's name.
• • Individuals with pucca houses smaller than 21 square meters may be included under the category of improving an existing home.
• • Adult family members who are wage earners are treated as a separate household for the program, regardless of their marital status.
• • If a married couple meets the income eligibility requirements for the household under the Scheme, either of the spouses, together in joint ownership, will be eligible for a single house.
• • As opposed to the LIG/MIG category, which is exclusively eligible under the CLSS component of the mission, recipients from the EWS category are eligible for help in all four mission verticals.
• People who fall under the SC, ST, and OBC categories and women who are EWS and LIG members are also qualified to receive benefits under the Pradhan Mantri Awas Yojana.

Timeline for PMAY home loan subsidies

• The subsidy advantage is applicable on home loans disbursed on or after June 17, 2015,
• for the EWS and LIG groups. For house loans disbursed on or after April 1, 2017, 
• the subsidy advantage is available for the MIG-1 and MIG-2 categories. 

How does the PMAY subsidy get to you?

• Funds are transferred from the central nodal agency (CNA) to the bank—referred to in government documents as the prime lending institution or PLI—from which the beneficiary has borrowed his home loan as soon as your subsidy application under the PMAY program is granted.
• The borrower's home loan account will then receive credit for this sum from the bank. This sum will then reduce the primary balance of your outstanding home loan. Therefore, if you received a PMAY subsidy of Rs. 2 lakh and your outstanding loan balance are Rs. 30 lakh, the subsidy will cause the balance to drop to Rs. 28 lakh.

Lastly,

A sanction order is issued in the beneficiary's name once the list has been finalized. The beneficiaries will also be informed through SMS when a sanction has been issued in their favor. Using his PMAY-G ID, the recipient can either pick up the sanction order from the Block Office or download it from the PMAY-G website. Within a week (7 working days) after the sanction order was issued, the beneficiary must receive the first installment electronically to the registered bank account.

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