Pradhanmantri Aawas Yojana Ke Tahat Kitni Rashi Di Jaati Hai: Pradhan Mantri Awas Yojana (PMAY) ke tahat pradaan ki jaane wali rashi alag-alag shreniyon aur nagar/gaav ke aadhar par thodi alag ho sakti hai. Lekin yeh mukhya roop se do pramukh kshetron mein vibhakt hai..
Pradhan Mantri Awas Yojana (PMAY) Bharat Sarkar ki ek awaas yojana hai, jiska uddeshya sabhi ke liye ghar (Housing for All) dena hai. Yeh yojana 2015 mein shuru ki gayi thi, aur iska lakshya hai ki 2022 tak (Bharat ke 75ve Swatantrata Divas tak) har parivar ke paas apna pakka ghar ho. Is yojana ko ab bhi kai rajyon mein extend kiya gaya hai.
Pradhan Mantri Awas Yojana ke Mukhya Uddeshya:
-
Garib aur madhyam varg ke logon ko apna ghar mil sake.
-
Jhuggi-jhopdi mein rehne waalon ka punarvas.
-
Gramin aur shahri kshetron mein pakka ghar banana.
-
Mahilaon, SC/ST, divyang, aur EWS (Economically Weaker Sections) ke liye vishesh agrata.
PMAY ke Do Mukhya Bhaag:
-
PMAY-Gramin (PMAY-G):
Gaav mein rehne waalon ke liye (Rural housing scheme)-
₹1.20 lakh – ₹1.30 lakh tak ki sahayata milti hai.
-
-
PMAY-Urban (PMAY-U):
Shahron mein rehne waalon ke liye (Urban housing scheme)-
Ghar ke loan par interest subsidy milti hai.
-
Is Yojana ke Laabh:
-
Awas nirman ke liye arthik sahayata.
-
Ghar ke loan par interest subsidy (2.3 – 2.67 lakh tak).
-
Ghar mahilaa ke naam se hone par agrata.
-
Toilet, bijli, paani jaise basic suvidhaon ka samavesh.
PMAY Apply Karne ke Liye Required Documents:
1. Pehchaan Patra (Identity Proof):
-
Aadhaar Card (mandatory)
-
PAN Card
-
Voter ID
-
Driving License
-
Passport
2. Address Proof:
-
Ration Card
-
Electricity Bill
-
Water Bill
-
Bank Statement
-
Rent Agreement (agar applicable ho)
3. Aay Sambandhit Documents (Income Proof):
-
Salary slip (agar naukri mein hain)
-
Income certificate (Tehsildar/SDM se)
-
ITR (Income Tax Return) ya Form 16
-
Bank statement (last 6 months)
4. Ghar Ke Sambandhit Documents:
-
Property documents / Registry paper / Agreement
-
Khatauni ya land record (agar plot pe ghar banana ho)
-
Construction estimate (agar ghar banana hai)
5. Caste Certificate (SC/ST/OBC ke liye, agar labh lena ho to)
6. Declaration Form (ki applicant ke paas pehle se pakka ghar nahi hai)
PMAY Apply Karne ki Process (Online & Offline):
Online Apply (PMAY Website ke jariye):
-
Website par jayein:
👉 https://pmaymis.gov.in/ -
Citizen Assessment section par click karein.
-
Aapki category select karein:
-
For Slum Dwellers
-
Benefit under 3 components (EWS/LIG/MIG)
-
-
Aadhaar number daalein (compulsory hai)
-
Form bharna hoga:
-
Naam, Jender, Family details
-
Income details
-
Address, bank account info
-
Ghar ka status (pakka/kachcha, owned/rented)
-
-
Submit karne ke baad acknowledgment slip milega.
Offline Apply (CSC ya Bank ke jariye):
-
Najdiki CSC (Common Service Center) par jayein ya listed bank mein.
-
Form lein aur bhar kar documents ke saath jama karein.
-
Form verification ke baad aapko registration receipt milega.
Pradhanmantri Aawas Yojana Ke Tahat Kitni Rashi Di Jaati Hai
PMAY-Gramin (PMAY-G) – Gaav ke liye:
-
Rashi: ₹1.20 lakh per ghar (samanya kshetron ke liye)
-
Rashi (Gramin Himachal Pradesh, Uttarakhand, Jammu-Kashmir, aur North-Eastern Rajyon ke liye): ₹1.30 lakh
-
Sahayata: Ghar ke saath-saath sauchalaya banane ke liye bhi alag se rashi mil sakti hai (Swachh Bharat Mission ke antargat)
2. PMAY-Urban (PMAY-U) – Shahri kshetron ke liye:
Yeh chaar verticals mein kaam karta hai. Sabse mukhya component “Credit Linked Subsidy Scheme (CLSS)” hai:
-
CLSS ke tahat ghar lene ke liye loan par interest subsidy milti hai:
-
EWS/LIG (Economically Weaker Section / Low Income Group):
-
Interest subsidy: 6.5% tak
-
Maximum subsidy: ₹2.67 lakh tak
-
-
MIG-I (Middle Income Group-I):
-
Interest subsidy: 4%
-
Maximum subsidy: ₹2.35 lakh tak
-
-
MIG-II (Middle Income Group-II):
-
Interest subsidy: 3%
-
Maximum subsidy: ₹2.30 lakh tak
-
-
Conclusion: Pradhan Mantri Awas Yojana (PMAY)
Pradhan Mantri Awas Yojana ek mahatvapurna kendra sarkari yojana hai jiska lakshya hai ki har gareeb parivaar ko pakka ghar uplabdh ho. Yeh yojana shahri (PMAY-U) aur gramin (PMAY-G) donon kshetron ke liye hai. Isme aapko ghar banane, kharidne, ya sudharne ke liye arthik sahayata ya loan par subsidy milti hai.
Yojana ka labh uthane ke liye aapko kuch zaroori documents jama karne hote hain, aur aap online (pmaymis.gov.in) ya najdiki CSC/bank ke madhyam se asani se apply kar sakte hain.
FAQs – Pradhan Mantri Awas Yojana (PMAY)
1. PMAY kya hai?
✅PMAY ek kendriya yojana hai jiska uddeshya sabhi garib aur madhyam varg ke logon ko affordable housing uplabdh karana hai. Yeh yojana urban (shahri) aur rural (gramin) donon kshetron ke liye hai.
2. PMAY ke liye kaun apply kar sakta hai?
-
Aay varg: EWS, LIG, MIG-I, MIG-II
-
Jinke paas pehle se pakka ghar nahi hai
-
Aadhaar card hona zaroori hai
-
Mahila applicant ko agrata milti hai
3. PMAY ke tahat kitni rashi milti hai?
-
Gramin (PMAY-G): ₹1.20 lakh – ₹1.30 lakh
-
Urban (PMAY-U): ₹2.30 – ₹2.67 lakh tak ki interest subsidy ghar ke loan par
4. PMAY ke liye apply kaise karein?
-
Online: https://pmaymis.gov.in
-
Offline: CSC (Common Service Center) ya bank ke madhyam se
5. Apply karne ke liye Aadhaar card zaroori hai kya?
✅ Haan, Aadhaar card mandatory hai PMAY ke liye apply karne mein.
6. PMAY mein loan lena zaroori hai kya?
-
PMAY-Urban (CLSS) mein loan lena zaroori hai kyunki subsidy loan par hi milti hai.
-
PMAY-Gramin mein bina loan ke bhi direct financial assistance milti hai.
7. Ghar sirf mard ke naam par ho sakta hai kya?
✅Nahi. Sarkar chahti hai ki mahila ya joint ownership (pati-patni) ke naam par ho — yeh women empowerment ke liye hai.
8. PMAY ka status kaise check karein?
✅Official website par jaakar aap apna application number dal kar status check kar sakte hain:
👉 https://pmaymis.gov.in
9. PMAY ki aakhri tareekh kya hai?
✅Yeh yojana pehle 2022 tak thi, lekin kuch rajyon mein extend ki gayi hai. Alag-alag component ki last date alag ho sakti hai.
10. PMAY mein ghar ka renovation ya sudhar bhi hota hai kya?
✅ Haan, kuch cases mein sudhar (renovation) ke liye bhi subsidy mil sakti hai (especially EWS/LIG groups ke liye).
