Checking the PMAY Beneficiary List

The Pradhan Mantri Awas Yojna, also abbreviated as PMAY, is a flagship scheme launched by the government of India. An individual eligible to apply for the PMAY (urban) or the PMAY (rural) as per the described qualification can register online to avail benefits of the subsidy. However, those who have already applied need to check their names in the PMAY beneficiary list to make sure they have been registered and are eligible for the government scheme.

About PMAY

It was launched on the 25th June in the year 2016 and put into implementation by the Housing and Urban Affairs (MoHUA). The major aim is to help the Indian population, which falls under the economically weaker sections, low-income subsidy, and the middle-income groups by providing pucca houses till the year 2022. It includes slum dwellers and those eligible for an urban household.

This mission can as well be considered as another step towards the empowerment of women. As per the policies, it is mandatory for the eldest women of the family to be the owner or co-owner of the house provided. As per the PMAY (urban) policies, a family who falls under the economically weaker sections of the society will be covering 30 sq. mt. of area. Federalism is the key factor used to implement the policy. Central assistance is provided to the implementing agencies through state and nodal agencies. A wide number of options depending upon one’s income, finance, and availability of land are included in the criterion to make sure the largest number of needy populations is covered.

Aims and objectives of PMAY

The honorable Prime Minister of our country has introduced the Pradhan Mantri Awas Yojna to be an important step in making the dreams of the underprivileged come true.

1. Have made slum rehabilitation possible

The PMAY scheme mainly aims to rehabilitate slum areas into proper ‘pucca’ houses, also known as cement and concrete homes. These factors contribute towards the positive GDP of the country. However, the government also sees it as a possibility for slum dwellers to accept urban settlements and make proper use of the land available.

2. A home for everyone

The scheme has facilitated a house for every citizen of the country. The government is aiming to construct 2 crore houses with a 1 bedroom, hall, kitchen accommodation. Notably, the construction work has already been started in certain states such as Maharashtra, Tamil Nadu, West Bengal, etc. The Government of India is making possible efforts to provide the people with better living standards.

3. Allowed even the EWS categories to afford their own house

Not just the urban residents but the rural citizens as well. PMAY scheme provides the subsidy to build a house of their own to certain sections of the society. These sections are divided based on their yearly income. These categories are – the Economically Weaker Sections (EWS), Lower Income Group (LIS), and Middle Income Group (MIG) categories. The MIG is further bifurcated into MIG 1 and MIG 2. It also considers the members of minority groups such as scheduled castes, scheduled tribes, other backward classes, women, senior citizens, even widows, and members of transgender or LGBTQIA communities.

4. Subsidized Interest rates

It is one of the highlighted PMAY benefits which provide leverage to the applicant. The government has launched a credit-linked subsidy policy to the PMAY(urban) and PMAY(rural) schemes. The major aim behind it is to increase the flow of institutional credit. This enables the rural and urban applicants to get a home loan under this scheme with much lower interest than any bank would provide under their regular schemes. They can as well get relief when paying off the loan.

As explained in an example- If a member of the above-mentioned economic group applies for a home loan, he/she will have to pay an interest amount of 8.40% per year, that too for a loan amount of ₹6, 00,000. An interest subsidy will be provided to the beneficiary’s loan account through the bank, which will reduce the principal amount on the home loan and EMI amount.

5. Economic security for females

The PMAY urban and PMAY Rural scheme works for the betterment of women folk in the society. It encourages women to apply for home loans as well as become homeowners. Moreover, the policy mandates a married man to mention his wife as the co-applicant of the loan and the co-owner of the house, even if she has no role in financing the property. The main aim behind this is to secure the future of women, especially in situations of old age or widowhood.

6. Offers eco-friendly housing

The builders and developers who have been given the responsibility for the project have got clear instructions from the Indian government to use eco-friendly methods in building the houses. The construction sites for this project cannot turn into hubs of pollution generation, causing damage to the air, water, and surrounding land. Sustainable building methods, good quality equipment, and raw material are being used to ensure that the need for renovation is not felt for a much longer period.

How to register for PMAY Scheme

So now you have a complete insight into the benefits of PMAY and how the scheme works. However, the scheme has a registration process first through which the applicant needs to enroll themselves to get the benefits of the scheme.

The silver lining is that the process has been shifted to online mode completely, thus making it easy for people to register either with their mobile phones or with the help of an internet café.

Steps to register

1. Visit the formal Pradhan Mantri Awas Yojna site through your internet browser – https://pmaymis.gov.in/.
2. On the top bar, you will be able to find an option saying citizenship assessment. On hovering your pointer on it, a drop-down menu will appear.
3. Select the option or apply online. You will get 4 options from here, out of which you will have to select the one most feasible to you.
4. Then enter the details such as Aadhar Card number and name as per Aadhar.
5. Then you will be redirected to a new webpage where the PMAY registration form will be present. After filling the form, check the disclaimer box, enter the captcha code, and click on save.

How to Check the PMAY Beneficiary List?

If you have already applied for the PMAY (urban) or the PMAY (rural) scheme subsidy, you are most likely to know already that the procedure has been shifted completely online to make it more feasible for the people as the government. The applicants can now easily track their applications and even check the beneficiary list online for rural and urban areas.

The below step by step guide will help you check the PMAY beneficiary list:-

PMAY (urban) beneficiary list

• To check your PMAY(urban) beneficiary list, visit the approved website of Pradhan Mantri Awas Yojna through your internet browser – https://pmaymis.gov.in/
• You will see the search beneficiary option on the upper left hand of the page.
• Click on search by name.
• Input your Aadhar Card number as asked. If it is present in the PMAY beneficiary list, your name and details will appear.
• The information can be tallied, and approval of the application can as well be checked.

PMAY (rural) beneficiary list

There are two ways to find out the PMAY (rural) beneficiary list, and the applicants can use whichever is more feasible to them.

With registration number

• Visit the official site for the Pradhan Mantri Awas Yojna Gramin.
• There you will be able to see a portal to enter your registration number.
• This is the same number that one gets when they apply for the PMAY (rural) So that has to be entered.
• Click on the green button saying ‘submit.’
• If your registration number is present in the PMAY Beneficiary list, the details will appear automatically.

Without registration number

Applicants who don’t have their registration number handy can use an alternative method.

• Visit the official site for Pradhan Mantri Awas Yojna Gramin with the help of your internet browser.
• Here you will see an option for advanced search.
• Clicking on that, you will be redirected to another page asking for your specific details.
• Enter these details: District, State, Block, Panchayat, financial year and Scheme name.
• Other details such as name, BPL number, account number, sanction order, and father or husband’s name are added.
• If the details tally to those in the PMAY beneficiary list, you will then be able to track your application status.

How can you check your PMAY application status?

If you cannot find your name on the beneficiary list for the PMAY (Rural) or the PMAY (Urban), you can then check your application status online. This helps you find out if your application is pending, approved, or under reconsideration. There are two ways for which one can check their PMAY Urban or PMAY rural application status.

By name, father’s name, and mobile number:

• First and foremost, visit the official site of the Pradhan Mantri Awas Yojana
• Here on the upper tab, you will see an option citizen assessment.
• Click on ‘track your assessment’ from the drop-down form.
• Click on the name, father’s name, and mobile number option out of the two.
• Here you will be needed to fill in your details like state name, city name, district name, your name, your father’s name, and your registered mobile number.
• Once done, you can then click on submit and view your PMAY application status.

By assessment ID

• Visit the official site of the Pradhan Mantri Awas Yojana, which is – https://pmaymis.gov.in/
• Here on the upper tab, you will see an option of citizen assessment.
• Click on ‘track your assessment’.
• Click on ‘By assessment id’ from the two options available.
• Subsequently, enter the assessment id given to you at the time of application and the registered mobile number.
• Once done, click on submit, and then you will be able to track your PMAY application, both rural and urban.

PMAY- Important Contact Numbers 

Conclusion

It is clear that the PMAY (urban) or the PMAY (rural) policy will bring a great revolution in the country’s economic and social stature. This is among the biggest development projects of the government of multi-purpose importance. The fact that the project does not aim at one single societal strata, nor does it prioritizes the already developed metropolitan cities. It works for rural development but is not just focused on the population of that area. The dynamic nature of the project and its efficient implementation system makes it the most commemorated initiative of the government.

It has been facilitated with a budget of 27,500 Crore in the financial year of 2021-22. It provides its applicants with a subsidy amount ranging from 2.50 lakhs to 2.75 lakhs. The benefit PMAY subsidy is available in all the private and public banks of the country.

FAQs:

What is the time period of PMAY subsidy?

An individual who has applied for the benefits under the PMAY subsidy CLSS scheme can avail of it for a time period of 20 years.

Who is not eligible for the Pradhan Mantri Awas Yojna?

A person with a family income exceeding the 18 lakhs per annum mark is not eligible to avail the benefits of PMAY.

How are the PMAY Beneficiary lists compiled?

The PMAY beneficiary list is made by using the data of the socio-economic and caste census conducted after every 10 years. The tehsil and panchayat units and the state and union territory government also provide their aid while selecting the list of beneficiaries for the PMAY (urban) and PMAY (rural) policies.

Which category should a slum dweller choose?

While applying for the benefits of PMAY, a slum dweller is supposed to select the category of In-situ slum rehabilitation (ISSR).

Can a person apply for PMAY without an Aadhar Card?

No, Having an Aadhar card is a mandate that every citizen must follow to avail the facilities of government schemes.