In Karnataka, the Pradhan Mantri Awas Yojana or PMAY is implemented in all the cities. It is very useful for urban youths who are planning to buy their first apartment or house.
The project is implemented through the Directorate of Municipal Administration. Let us find out how to apply for PMAY or Pradhan Mantri Awas Yojana in Karnataka. The application procedure contains details for the dwellers of slums, rural, urban or semi-urban.
Pradhan Mantri Awas Yojana, which started with the objective of providing house to all is one of the ambitious schemes of the central government. This was introduced in 2015 and we are planning to complete all its initiatives by 2022.
This scheme will provide assistance to different states and Union Territories either through Urban Local Bodies or through other implementing agencies for the implementation of the scheme.
The Ministry of Housing and Urban Poverty Alleviation launched this scheme with the idea of ensuring that all the families get a roof on their top. In Karnataka also this scheme is implemented. Affordable houses for all by 2022 is the main objective of the Pradhan Mantri Aawas Yojana.
The PMAY programme aims at providing house for women, economically backward groups, SCs and STs. Now it has been also extended to disadvantaged sections like Transgender, Widows, and members of the lower income groups, physically disabled and the urban poor
The house will be constructed in the private participation and affordable housing will be provided to the needy with the help of private partners. Beneficiaries will get credit linked subsidy under this scheme.
Generally preferences should be given to Manual Scavengers, Women (with overriding preference to widows), Scheduled Castes/Scheduled Tribes/Other Backward Classes, Minorities, Persons with disabilities and Transgender.
Typically, central Government will release the entire amount to the state government. But according to the norms State Government should release financial assistance to the beneficiaries in instalments.
Depending on the progress of construction of the house, the amount should be released in installments. Beneficiaries can start the construction using their own funds or any other fund.
Government funds will be proportioned to the construction. The final instalment of the government fund, INR 30,000/- should be released only after the completion of the house.
With the union finance minister Nirmala Sitharaman extending the income tax benefit for the middle class who wants to buy/ build a home, the Pradhan Mantri Awas Yojana is becoming very popular in Karnataka. Here is the step by step application process for slum dwellers and others.
Step 1 – Visit the https://pmaymis.gov.in/ link to apply for the housing scheme.
Step 2– Click on `Citizen Assessment’ option provided on the page.
Note – Here, if the applicant is a slum dweller, then he has to click on `For Slum dwellers’. If the applicant belongs to a rural, urban or semi-urban area, then he has to click on the second option provided in this list `Benefit under other three components.’
Step 3 – Enter valid Aadhar number and your name as mentioned in the Aadhaar card. After entering a valid Aadhaar number, you access the application form.
Step 4 – In the application form enter your details like name, address, details of the family members, mobile number, size of the existing dwelling unit, and average annual income.
Step 5 – Provide valid ID proof like a passport, voter ID, PAN card, ration card, or bank passbook. Details of the bank account like name of the bank, branch, account number etc,
Step 6 – Provide the details of all the household members and their relationship with the head, age, Aadhaar number, other ID number etc.
Note – Applicant should mention whether he is applying for new house or the enhancement of the old house in the application.
Step 7 – After entering all these details applicant has to click on the disclaimer. Then he should enter the captcha code displayed on the screen. Then he has to save the application.
If s/he wants to make any changes then in the same link he can select `edit assessment form’ to make necessary changes. S/he can take a print out also. Through using assessment ID he can track the status his application.
If you are applying under `benefit under other three components’ then you should select one component among other three components mentioned in the list.
