PMAY – Pradhan Mantri Aawas Yojna List 2019

PMAY – Pradhan Mantri Aawas Yojna List 2019

PMAY – Features and Benefits

The Mission has been made effective from 17.06.2015 to provide central assistance to the executive agencies under the “Home for All” mission in the urban area. Credit Linked Subsidy Scheme is being introduced under this mission.

The middle income group (MIG) will be given subsidy at the interest rate of housing loan for building or acquiring (repurchasing).

Economically Weaker Section (EWS) / Low Income Group (LIG) will be subsidized on interest of housing loan for construction or acquisition of house as incremental housing as new construction in existing residence and additional rooms, kitchen Benefit of credit linked subsidy on home loan will also be available for toilets etc.

The benefit of interest subsidy will be given first on the outstanding principal amount.
The availability and amount of interest subsidy is subject to fulfillment of income norms of various categories under the scheme.

Beneficiary

  • A beneficiary family would include husband, wife, unmarried son and / or unmarried daughters.
  • The earning person (irrespective of the marital status) may be considered as a separate household

Main criteria

Explanation
Ews
Lig
MIG I
MIG II
Household Income (Yearly)
0-3,00,000
3,00,001-6,00,000
6,00,001-12,00,000
12,00,001-18,00,000
Housing loan amount eligible for interest subsidy (Rs.)
6,00,000/-
6,00,000/-
9,00,000/-
12,00,000/-
Interest Subsidy (% pa)
6.50%
6.50%
4.00%
3.00%
Maximum loan period (in years)
20
20
20
20
Maximum residential units per carpet area
30 sq. m.
60 sq. m.
160 sq. m.
200 sq. m.
Discount rate for calculation of net present value (NPV) of interest subsidy (%)
9.00%
9.00%
9.00%
9.00%
Maximum interest subsidy amount (Rs.)
2,67,280
2,67,280
2,35,068
2,30,156
Lump sum payment at every accepted PLI in place of processing fee (Rs); To the extent of the loan amount to which the subsidy is applicable.
3000
3000
2,000
2,000
Applications on existing home loans or on approved schemes
17.06.2015
01.01.2017
House Suitability
Not for renewal
Yes
Yes
Female Ownership / Co-ownership
Not mandatory for existing property, Mandatory for new acquisition
Not compulsory
Not compulsory
Quality of home / flat construction
As per National Building Code, BIS Code and NDMA Guidelines
Approval for Building Design
Mandatory
Basic civic infrastructure (sanitation, water, road, sewerage, electricity, etc.)
Mandatory

Disclaimer:
*The above details are based on the Pradhan Mantri Awas Yojana (PMAY) scheme prepared by the Government of India. There will also be changes if the Government of India changes the scheme.

Official GOVT Website to check LIST For All States

Also Read : Faqs

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