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What Are the Benefits of the Pradhan Mantri Awas Yojana Scheme?

Pradhan Mantri awas Yojana benefits - PMAY Benefits

Shelter is one of the basic needs for humans. Unfortunately, not all households in the country have access to proper housing. To provide affordable housing for all, the government launched the Pradhan Mantri Awas Yojana in June 2015. You can get information on the various benefits of the Pradhan Mantri Awas Yojana below.

What is Pradhan Mantri Awas Yojana? 

Also known as PMAY, Pradhan Mantri Awas Yojana is a scheme created by the Government of India with a primary objective of providing affordable housing for all citizens of the country. Eligible beneficiaries can avail the benefits of PMAY for purchasing new home/flat, house construction, or enhancement of house for addition of room, kitchen, and toilet.

Beneficiaries are divided into four categories—Economically Week Segment (EWS), Low Income Group (LIG), Middle Income Group (MIG)-I, and Middle Income Group (MIG)-II; eligibility and benefits of this scheme have been accordingly divided.

Income slab of households of different category are mentioned below:

PMAY scheme is of two types — PMAY-Urban (U) for urban dwellers and PMAY-Gramin (G) for rural dwellers. 

Pradhan Mantri Awas Yojana Benefits

The prominent benefits of Pradhan Mantri Awas Yojana are listed below:


Housing Deprivation Parameters from the Socio-Economic and Caste Census (SECC) 2011 data are used to identify eligible beneficiaries for PMAY-G, who are further verified by the Gram Sabhas.


*Note: Family here means husband, wife, and unmarried-dependent kids.

How to Avail Pradhan Mantri Awas Yojana?

The simplest way to apply for PMAY is to visit the official government website and fill in the form as directed. However, that may not be convenient for everyone; so, such individuals can visit the nearest Common Service Centres (CSC), get the application form for ₹25+GST, and submit the duly filled & signed form.

You can also talk to your bank or other reputable housing finance companies about taking a loan to build your house.

The Environmental Benefits of PMAY Construction Guidelines

The Technology Sub-Mission (TSM) under PMAY-U launched by the Ministry of Housing and Urban Affairs (MoHUA) facilitates adoption of green, innovative, and modern technologies and building materials for quick, quality construction of houses. The preparation and adoption of layout designs and building plans suitable for various geo-climatic zones is also facilitated by TSM. Additionally, TSM also assists in deployment of disaster resistant and environment-friendly technologies in cities/states. Thus, green buildings are constructed with TSM guidelines using as much natural resources as possible.

Wrapping Up

With the help of schemes like PMAY, everyone can have a strong roof over their head and stay protected from harsh climate.

Whether you are constructing a new home or enhancing your house, using quality materials such as home construction cement from a good cement manufacturer like JK Cement can be beneficial. Additionally, make sure to utilise TSM under PMAY to build a sustainable home and avail the benefits of affordable housing.


Who is eligible to benefit from the PMAY scheme?

Households that have an annual income of up to ₹12,00,000 and those that don’t have a pucca house may be eligible to apply for the PMAY scheme.

What are the key benefits of PMAY for urban and rural citizens?

Here is a list of key benefits of PMAY:

What is the process to apply for PMAY, and where can one apply?

Interested individuals who are eligible to avail the benefits of PMAY can apply for the scheme online on the official website or go to their nearby Common Service Centre (CSC) to apply.

Can existing homeowners avail of the PMAY benefits for home improvement or construction?

If the house is depreciating, has kutcha walls and roof, does not have enough rooms or basic amenities like a toilet and kitchen, then eligible home dwellers can apply for PMAY and avail relevant benefits.

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