What are the Documents Required for Pradhan Mantri Awas Yojana Gramin for urban and rural people?

What is the PMAY Scheme?

Building a house is a dream of almost every Indian who falls within the lower economic and income zone. Most people are unable to achieve their dreams as they don't have sufficient potential and capital to do so. To solve this issue, the Central Government, on 1st June 2015, launched the PMAY or the Pradhan Mantri Awas Yojana.

Prime Minister Narendra Modi launched it with a mission of ‘Housing For All’ by 2022. PMAY is a flagship initiative of the Government of India that aims to provide affordable housing to the people of the rural and urban areas within 2022.

The PMAY scheme aims to cater to the needs of the people who belong to the Economically Weaker Section (EWS), Low Income Group, and Middle-Income Group. This scheme offers a Credit Linked Subsidy, under which the beneficiaries can enjoy a subsidy of 6.5% on the home loan.

Under this scheme, only those people who are either homeless or reside in kutcha houses based on the data of socio-economic and caste census 2011 are eligible. The scheme was launched with a target to construct 2.7 lakh houses within 2022. Till now, more than1.9 lakh houses have been completed, which is about 68% of the target.

Who can apply for PMAY Scheme?

People who are interested in availing Pradhan Mantri Awas Yojana scheme should fulfill the requirements set up by the Government. The eligibility criteria for PMAY are:

1. The beneficiaries should not be above 70 years of age during the repayment period.
2. The annual income of the family should be less than 3 lakhs for the EWS category, within 3-6 lakhs for LIG category, 6-12 lakhs for MIG-1 category, and within 12-18 lakhs for MIG-2 category.
3. The applicant should not have a house.
4. The applicant interested in the PMAY scheme should not have availed of any other housing scheme.

How to apply for the PMAY scheme?

The beneficiary can apply for the PMAY either in an online or offline format. These steps are needed to be followed to apply online.

1. Identify the category of the beneficiary under which they can apply for PMAY.
2. Visit the official website of PMAY.
3. Select the main menu, and under it select the ‘citizen assessment’ option.
4. After this, you need to select your relevant category.
5. The webpage will ask you to fill in various information like Aadhar details, personal income details, bank account details, and residential address.
6. After verifying details, you need to submit the form.

In order to apply for the PMAY scheme, you need to visit the nearest Common Services Centre, authorized by the Government. Then you need to fill out the form along with the required documents.

What are the documents required for the PMAY Scheme?

Documentation is the most crucial part of getting the benefits of the PMAY Scheme. An individual may be unable to avail PMAY Scheme unless all his documents are updated. Hence, while applying for PMAY, you must have all your essential documents ready. Authentic documents determine the eligibility criteria for an applicant.

Here is a list of documents that are required to apply for PMAY:

Identity documents:

These are the documents accepted as identity proof.

1. Voter card
2. Driving Licence
3. Aadhar card
4. Passport
5. ID cards issued by the Government

Address proof documents:

The following documents are accepted as address proof.

1. Driving License
2. Aadhar card
3. Voter ID card
4. Utility bill
5. Passport
6. Electricity bill
7. Credit card bill
8. Ration Card
9. Telephone bill
10. Property tax paid receipt
11. Bank statements
12. Credit card statement

Address proof documents for businesses and commercials:

• Pan card
• Partnership deed
• Sales tax
• MOA
• VAT registration certificate
• SEBI registration certificate
• Establishment Certificate and registration number
• Trade License Certificate

Income proof documents:

The income proof documents are different for salaried persons and self-employed individuals.

Salaried: 

• Salary slip for last two or three months
• Bank statement for the previous 6 months
• ITR

Self-employed:

• Income Tax Return for the last two years
• Balance sheet
• Current account statement for last 6 months

These are the essential documents accepted to avail the benefit of the Pradhan Mantri Awas Yojana scheme.