Since 2015, the government-envisaged Pradhan Mantri Awas Yojana has boosted the realty sector with its affordable housing schemes. With an aim to construct 20 million houses by 2022, individuals eligible to avail it can enjoy benefits like rehabilitation facilities, interest subsidies on credit, etc.
Online application process
To apply for this scheme online, you need to follow the steps below -
- Access the official website of PMAY.
- The ‘Citizen Assessment’ option provides three options. Choose the appropriate one from its drop-down list.
- Provide your Aadhaar details accurately to enrol for PMAY. Note that this is mandatory.
- Proceed to fill up the application form that appears next, with correct information.
- 'Save your entries' once you complete. Then, a captcha appears for verification. Enter the code and save again.
Once the application process is completed, you can take a print out of this document for future references. However, make sure to match all PMAY eligibility parameters before applying.
Offline application process
Individuals can alternatively opt to apply offline by -
- Visiting a CSC or Common Service Centre run by the state government.
- Asking for an application form, filling it up with necessary information and submitting it. For this, you need to pay Rs.25 along with GST.
Nonetheless, you must remember that financial institutions or private centres are not permitted to accept offline applications for Pradhan Mantri Awas Yojana.
Consider approaching a reliable lender and avail a home loan up to Rs.3.5 crore under the Pradhan Mantri Awas scheme. Enjoy exclusive subsidy of up to Rs.2.67 lakh on your payable interest and repay the credit over a tenure of up to 20 years.
Additional Read: Some Commonly Asked Questions About the Pradhan Mantri Awas Scheme
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