PM Awas Yojana: Learn Who Qualifies and How You Can Benefit

PM Awas Yojana ( Pradhan Mantri Awas Yojana ) is a significant initiative by the Indian government aimed at providing affordable housing to economically disadvantaged individuals across rural and urban areas. If you're looking to benefit from this scheme, understanding its eligibility criteria and application process is crucial.

# Eligibility Criteria for PM Awas Yojana

To qualify for PM Awas Yojana, applicants must meet the following criteria:

• No Existing Pucca House: Applicants should not own a pucca (permanent) house in their name or in the name of any family member.

• No Previous Benefits: They should not have availed of benefits from any other central or state government housing schemes previously.

• Income Limit: The annual household income should not exceed ₹2 lakh.

• Employment Status: No member of the applicant's family should be employed in a government job.

• Census Criteria: Applicants must be listed in the 2011 census data.

# Types of Housing Schemes under PM Awas Yojana

PM Awas Yojana operates through two main schemes tailored for different areas:

1. Rural Housing Scheme:

• Beneficiary Benefit: Provides ₹1,20,000 for constructing a 25 sqm house.

Additional Benefit: In hilly areas, the assistance amount increases to ₹1,30,000.

2. Urban Housing Scheme:

• Beneficiary Benefit: Offers ₹1,50,000 for constructing a concrete house in urban areas.
• Disbursement: Financial assistance is provided in installments to facilitate the construction process.

# How to Apply for PM Awas Yojana

Applying for PM Awas Yojana is straightforward:

• Apply Online: Visit the official PM Awas Yojana website or use the designated app.
• Required Documents: Prepare necessary documents such as proof of income, residence proof, and proof of being listed in the 2011 census.
• Application Process: Fill out the application form and submit it online or at specified offices.

By meeting these criteria and following the application process, eligible individuals can avail themselves of the benefits offered by PM Awas Yojana, securing affordable housing as part of the government's welfare initiatives.