Top 5 Mistakes People Make While Applying for Housing Schemes

Getting a house under a government scheme like PMAY is becoming a reality now. For many in India, it’s a huge step towards safety, security, stability and having a place to call their own. But it’s the application process that can seem daunting and tedious- a reason why many don’t even access the benefit.

The truth is, the form-filling and document-checking part can get tricky. One small slip-up and your file might get rejected or delayed for months. In this blog, we’ll talk about the most common housing scheme mistakes people make when applying, and how you can avoid them without breaking a sweat. If you’re in the process of applying for a housing scheme, read on to avoid delays and rejections.

1. Not Linking Aadhaar Properly

Don’t ignore the updates you receive regarding linking your Aadhaar to the PMAY application.

When applying for any government housing scheme, especially PMAY, linking your Aadhaar is essential. It’s how the system verifies your identity and ensures you’re not claiming benefits you’re not eligible for. A false or missing Aadhaar entry can completely stall your application.

PMAY application error due to Aadhaar is more common than you think. The following checklist must be followed:

• The name on your Aadhaar must match the one on your application.
• The 12-digit Aadhaar number should be correct.
• Check if you haven’t mistakenly entered someone else’s Aadhaar.
• Ensure that the updates you made on your Aadhaar (changed name after marriage, address shift, etc.) reflect in your PMAY form too.

2. Incorrect or Incomplete Income Details

The income slabs can be confusing with EWS, LIG, MIG I, and MIG II  categories. Now each has different income and benefit criteria. Entering the wrong figure or under the wrong category can lead to your application getting rejected or pushed into delays.

One of the most common PMAY application errors is listing income too high or too low. Some people put in their gross income before deductions, or guess, and some forget to include their spouse’s income.

Here’s how to check:

• Look at your household income – not just yours.
• Include all earning members in the family.
• Use your ITR (Income Tax Return) or salary slips as a guide.
• If you’re self-employed or don’t have fixed income documents, ask your CSC or local authority how best to declare it.

Honesty here helps avoid problems later.

3. Submitting Incomplete or Incorrect Documents

Here’s a big one. Many applications fail just because a document is missing, blurry, or expired. Avoid:

• Using old bills as proof of address
• Uploading unclear Aadhaar or PAN card scans
• Submitting old pictures.
• Unnamed documents when uploading.
• Rushing to upload or submit without rechecking
• Uploading unclear scans or printouts that are cut off.

4. Giving the Wrong Family Details

Housing schemes like PMAY are often family-based. So, your family structure is very important to declare. You must not leave out a spouse or dependent,

PMAY application errors to avoid:

• Forgetting to add wife or husband.
• Wrongly declaring oneself as single.
• Misspelling kids’ names across documents.
• Applying when a household member has already availed of the benefit, PMAY allows only one subsidy per family

All this adds to the delay. And in some cases, it could make your application invalid. Always cross-check the details with your official IDs – especially Aadhaar and birth certificates.

5. Not Tracking the Application After Submission

This one may seem trivial, but it is important and must be taken seriously.

Many people think that once they’ve submitted the form, their work is done. Not true. It’s always a good practice to track and follow up on your application for updates – your application could require additional info, corrections, or document re-uploads. If you miss checking, you could miss the deadline and lose your chance.

Housing scheme mistakes like this are avoidable. Ensure that you:

• Keep your application number safe.
• Check the PMAY portal (or relevant scheme website) once a week.
• Respond quickly if any corrections are requested.
• You can also get SMS alerts if you applied via CSC-  don’t ignore them.

Tips to Keep in Mind

Here are a few quick things people often overlook:

• Phone number matters: Enter a working, valid and correct mobile number – it’s how you’ll get updates.
• Recheck that your bank details are correct.
• Ensure your IFSC and account number are correct: Triple-check and recheck.
• Property must be in the correct name: You must ensure that the property is in the name of the person applying for the subsidy.

These might seem small, but they can make or break your approval.

Applying for a housing scheme isn’t something you do every day. So it’s okay to ask questions, take your time, and double-check things. The goal isn’t just to get a form submitted, but to make sure your family actually gets the benefit.

Avoiding these common housing scheme mistakes isn’t such a task if you take a bit of care, patience, and maybe ask someone you trust for a second look.

Government schemes are made for you. So, don’t rush and don’t guess. If you need help, consult your local CSC or Nagar Palika office.

Avoiding these mistakes is the first step to securing your home. The next step is building it to last a lifetime. Don’t let your dream be compromised by weak foundations or poor plaster. Build with confidence. Build with JK Cement.

FAQs

1. I filled out the PMAY form but didn’t link my Aadhaar. Will it still work?

Not really. Without linking Aadhaar, your application usually won’t move forward. This is one of the most common PMAY application errors people make. If your Aadhaar isn’t in the system, the file just sits there.

2. I’m not sure which income category I fall under. Can I just guess?

Please don’t. Guessing can put you in the wrong group (like MIG instead of LIG), and that can lead to rejection. It’s one of those silent housing scheme mistakes that only show up later, when it’s too late to fix.

3. If I applied last year but didn’t get any updates, can I apply again this year?

Not so fast. Best to check the status of your previous application first-  don’t make the housing scheme mistake of applying twice without closing the earlier one.

4. I didn’t include income proof because I work in cash. What should I do?

This is tricky but common. If you don’t have formal salary slips, talk to your local CSC or authority. They might accept an affidavit or other documents. Skipping income proof altogether can block your application from even getting reviewed.