PM Awas Loan Yojana: Everyone wants to have a pucca house to live in. Many people are still living in kutcha houses. Especially in rural areas people are still not having pucca houses. Government has recognized this problem and for this Pradhan Mantri Awas Yojana was started long back. Under this scheme government provides financial assistance to such poor families who are not financially capable of building their own house to build a pucca house.
This scheme is still going on. If you want to apply for this scheme then read this article completely. In this article today we will tell you about Pradhan Mantri Awas Yojana. Here we will tell you how to apply in Pradhan Mantri Awas Yojana, what is eligibility, purpose, documents and benefits and features?
Overview of PM Awas Loan Yojana
| Article Name | PM Awas Loan Yojana |
| Launched By | Govt. of India |
| Beneficiary | Poor Citizen of India |
| Scheme Year | 25 June 2015 |
| Official Website | Click Here |
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What is PM Awas Loan Yojana
Pradhan Mantri Awas Yojana is working wonders for all the poor families in the country who are still living in kutcha houses and slums. Millions of people in rural and urban areas are realizing their dream of having a pucca house because of this scheme. People from economically weaker sections of the society whose salary is very low cannot build their own house. To give them social security the government has launched Pradhan Mantri Awas Yojana.
How Much Subsidy Will be Available in PM Awas Loan Yojana
Under this Pradhan Mantri Awas Yojana scheme, urban or rural people get up to 120000 or 250000 subsidy. Different subsidy amount is different for different areas. Your subsidy amount is directly transferred to your bank account through DBT.
Objectives of PM Awas Yojana
Main objective of this scheme is to provide financial assistance to poor and economically weaker section families to build their own pucca house. Even today millions of people are not able to fulfill the dream of building pucca house but this scheme is to make dreams come true. Under Pradhan Mantri Awas Yojana people from rural or urban areas are getting equal benefits.
Benefits and features of PM Awas Yojana
- Under Pradhan Mantri Awas Yojana you get loan up to 20 years at very low interest rate.
- You have to pay only 6.50% interest on the loan you take.
- People of special groups such as Divyangjan or senior citizens are given loans at very low interest rate.
- Eligible citizens living in plains are given assistance up to ₹ 120000. And citizens living in hilly area are given financial assistance up to Rs 130000.
- Under this scheme if you build toilet in your house then additional assistance of up to ₹ 12000 is given.
- Amount received under the scheme is transferred directly to your bank account.
Eligibility for PM Awas Yojana
- Only permanent resident of India can apply in this scheme.
- Person applying in the scheme should not have pucca house already.
- Person age should be more than 18 years.
- Person annual income should be between ₹ 3,00,000 to 6 lakh rupees.
- If your name is in ration card or BPL list then it would be better.
- Person applying must have voter ID.
Documents of PM Awas Yojana
- Aadhar card
- Photo
- Beneficiary job card
- Bank passbook
- Swachh Bharat Mission registration number
- Mobile number
How to Apply for PM Awas Loan Yojana
If you want to apply under Pradhan Mantri Awas Yojana then read below. You have to apply online as per the steps given below.
- First of all open the home page of Pradhan Mantri Awas Yojana website https://pmaymis.gov.in/ in front of you.
- On the home page you will see three tabs in the menu bar, click on that.
- Now you will see some options, click on Awaassoft.
- Now you will see a list, select Data Entry.
- After this a new page will open, click on Data Entry for AWAAS.
- After this select your state and district and click on Continue.
- Here you have to enter your username, password, captcha code and click on Login.
- After this Beneficiary Registration Form will open in front of you.
- Enter your personal details, beneficiary bank details, beneficiary convergence details here.
- Whatever is written in last column will be filled by concern office.
Follow all above steps and apply online for Pradhan Mantri Awas Yojana.
