Pradhan Mantri Awas Yojana In Chhattisgarh: Eligibility, Benefits, and More

The Pradhan Mantri Awas Yojana was launched in Chhattisgarh in the year 2015. Since then, numerous families in the rural and urban regions have been provided financial assistance to build their permanent houses.

As per the official record, around 13,570 projects have been completed under Beneficiary-Led Construction or improvement (BLC), along with 2,700 under Affordable Housing in Partnership (AHP), and 20,000 under the Credit-Linked Subsidy Scheme (CLSS).

Objective of Pradhan Mantri Awas Yojana

The primary objective of the PM Awas Yojana is to make housing affordable for all citizens. Under this scheme, eligible beneficiaries receive financial support from the government to build, rent, and renovate their dwellings. 

Benefits of PM Awas Yojana in Uttarakhand

For PM Awas Yojana-Gramin

The eligible beneficiaries under the Pradhan Mantri Awas Yojana get financial assistance of ₹1.2 lakhs, where 60% of the amount will be provided by the centre and 40% will be provided by the state government.

New houses constructed under this scheme will have 2 rooms, but you can extend the number of rooms at your own expense.

You can also opt for 100 days of employment for house construction under the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) to get an additional benefit of ₹18,000.

The government also provides financial assistance of ₹12,000 to construct a toilet under the Sauchalay Sahayata Yojana.

So, if you opt for all the options mentioned above, the total amount you’ll receive in your bank account will be around ₹1,50,000.

For PM Awas Yojana-Urban

For urban areas, the beneficiaries are provided with a loan amount to construct, buy, or make improvements to their existing house, based on their income status.
Here is a breakdown of the loan/subsidy amount based on the income group:

Category	Annual Income	Loan Amount	Interest Subsidy
Economically Weaker Section (EWS)	Less than ₹3 lakhs	Up to ₹6 lakhs	6.5%
Lower Income Group (LIG)	₹3 to ₹6 lakhs	Up to ₹6 lakhs	6.5%
Medium Income Group (MIG 1)	₹6 to ₹12 lakhs	Up to ₹9 lakhs	4%
MIG 2	₹12 to ₹18 lakhs	Up to ₹12 lakhs	3%

Eligibility

The applicant must belong to at least one of the following categories:

• Homeless families.
• Families residing in houses with one or two rooms, constructed with rough walls and a rough roof.
• Should not own a pucca house anywhere in India.
• Families with no literate adult member above 25 years of age.
• Families without any adult male members aged between 16 and 59 years.
• Families with no capable or working members and containing a disabled member.
• Landless families earning income through casual labour.
• Belonging to Scheduled Castes (SC), Scheduled Tribes (ST), Other Backwards Classes (OBC), or Minority communities.

Here are some Additional eligibility conditions: 

• The applicant must be a resident of India.
• The applicant must not own a permanent house.
• The applicant should be at least 18 years old.
• The applicant’s name must be listed in the ration card or the BPL (Below Poverty Line) list.
• It is compulsory for the applicant to be registered in the voter list and possess a valid identity proof linked to the voter ID.
• The scheme encourages the female head of the family to be the owner or co-owner of the house.

Who is Not Eligible

• Anyone with an annual family income of more than ₹18 lakhs is not eligible for this scheme.
• Individuals owning a pucca house anywhere in the country are not eligible to apply for the PMAY scheme.
• Families receiving benefits from central and state government-run housing projects are not eligible for this scheme.
  

Application Process

The application process for this scheme is straightforward. You can choose an online or offline process based on your convenience.

Application process for PMAY-U

• Visit the official portal: pmay-urban.gov.in
• Click on the ‘Apply for PMAY-U 2.0’ option.
• Scroll down and click on the Proceed button after the user instructions and document sections.
• On the following screen, enter your state, annual income, verticals, and other details to check eligibility.
• If eligible, a new screen will appear to enter your name and Aadhaar number.
• You will receive an OTP on your Aadhaar-linked mobile number.
• Enter the OTP to access the online form.
• Fill out the form and submit it.
  

Application process for PMAY-G

For PMAY-Gramin, there is no direct online application process for the applicant. However, the beneficiaries will be selected based on the caste census as notified by your panchayat office.
If you are left out of the survey and are eligible for this scheme, you can visit your panchayat office with all necessary documents to complete the application process.

Required Documents

1. Applicant’s Aadhaar details (Aadhaar number, name as per Aadhaar, date of birth).
2. Aadhaar details of family members (Aadhaar number, name as per Aadhaar, date of birth).
3. Active bank account details of the applicant (account number, bank name, branch, IFSC code) linked with Aadhaar.
4. Income proof (Only PDF file, size up to 100 KB).
5. Land document (In case of BLC vertical) (Only PDF file, size up to 1 MB).

How to Track Application Status

For PMAY-U

If you applied for a housing subsidy under PMAY-Urban, you can check your status through the PMAYUCLAP website using your username and password.
You can also visit the PMAY-U tracking page directly and search for your application status by entering the beneficiary code or application number.

For PMAY-G

• Visit the official PMAY-Gramin website: pmayg.gov.in
• Click on the “Awassoft” option from the top menu bar.

• Select the “Report” option from the dropdown menu.
• After this, you will be taken to this page: rhreporting.nic.in/netiay/newreport.aspx 
• On this page, scroll down to the bottom and select the “Beneficiary details for verification” option.

• In the following page, you need to select your state, district, block name, village name, and financial year from the dropdown options. 
• Select Pradhan Mantri Awas Yojana Gramin in the last menu.

• Enter the captcha and click on the submit button.
• The list of beneficiaries will appear on your screen. 

FAQs