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Anamika Verma
by on July 6, 2018
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Understanding your need to own a home, the Ministry of Housing and Urban Development has a simple process of application for the Pradhan Mantri Awas Yojana (PMAY). In order avail the benefits of the scheme and its exclusive interest subsidy, you do not have to go through a tedious process. You can apply online via the PMAY website or any lender website who offers the Pradhan Mantri Awas Yojana scheme and fill in a simple two-page application form to apply for a Home Loan.
Here is how you can apply online for Pradhan Mantri Awas Yojana. Understand your Eligibility and Income Criteria to Apply Your income qualifies you and deems you eligible for a Home Loan on interest subsidy under the PMAY scheme. In order to qualify you need to fulfil the eligibility criteria of Pradhan Mantri Awas Yojana and apply under any of these categories: - Under Economically Weaker Section category (EWS) with an annual household income of up to Rs.3 lakh - Under Lower Income Group category (LIG) with an annual household income of Rs.3-6 lakh - Under Middle Income Group I category (MIG 1) with an annual household income of Rs.6-12 lakh - Under Middle Income Group II category (MIG II) with an annual household income of Rs.12-18 lakh Follow these Steps if You are applying Citizen Service Centres - In order to apply with Citizen Service Centres, it is important to find your nearest CSC by logging on to apnacsconline.in. - Once on the website, select your state, district or town, and block name from the drop-down menu. - This will instantly give you a list of CSC centres that nearest to your location. - You can select one of these centres online, check their address and then pay them a visit. - This process is not completely online as you will have to go down to the centre pay a fees of Rs.25 and then complete the Pradhan Mantri Awas Yojana application form. Follow these Steps if You are applying via pmaymis.gov.in You can apply for Pradhan Mantri Awas Yojana online, and enjoy the convenience of applying quickly in a click. So, once you make your way to pmaymis.gov.in, first check your eligibility. Here, based on the Pradhan Mantri Awas Yojana eligibility beneficiary list identify your category and check what scheme makes you eligible. After this keep your Aadhaar card and savings bank account details handy. Now, proceed to apply - Click on ‘Citizen Assessment’ on the pmaymis.gov.in website. - Click on ‘Benefits under other 3 Components’. - Now enter your Aadhaar number without spaces in the allotted area and click ‘Check’. - Once you successfully cross this stage, you will get an application form to fill in. - Fill it with accurate personal, contact, bank account, income and Aadhaar details. - Check and verify all the details, then tick the Terms and Conditions box. - Enter the security captcha and click ‘Save’. - You will then get an application number. This is your reference code, which will help you keep track of your application in future. Once you apply for PMAY, you can easily use your application number and personal details to retrieve your application status. This will help you keep track of your application round the clock. So, if you’re eligible, apply now to make the most of the Pradhan Mantri Awas Yojana and avail a nominal-interest Home Loan with lenders like Bajaj Finserv to access up to Rs.3.5 crore without delay.
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