Pradhan Mantri Aavas Yojana (PMAY – Urban), also known as Housing for All. An initiative launched by the Government of India to provide affordable housing to the urban poor. The plan will be implemented in more than 300 cities in India. Surat is amongst the 300 cities. The response to the PMAY scheme has been overwhelming, as thousands of people throughout the country have already submitted their applications to avail benefits and subsidies and become a proud owner of their “Apna Ghar.”
People of Gujarat, particularly Surat, have welcomed the PMAY with open arms. In fact, the state government is now going to construct 5,000 new houses, in addition to the 8,000 housing units that are already under construction in the city. The Metropolitan Municipality also prepared a detailed project report in order to implement the housing scheme successfully in Surat.
More than 50,000 applications have been received by the government for those 8,000 units and it is now in the process of allocating the houses to eligible candidates. Since it is expected that the number of applications will increase in the coming months, the government is quite likely to allot the additional 5,000 houses too. This gives a chance to those people who missed on applying for the housing units and subsidies under the Pradhan Mantri Awas Yojana for the first time.
If you are looking to apply for the PMAY in Surat, then you need to first determine whether you are eligible for the scheme or not. This will then be followed by identifying the category through which you need to submit your application. Once you have figured these out, you need to collect the required documents and upload them online, or submit them to the officials. Your application will be processed by the respective authorities and you can check its status online by visiting the official site.
How to Apply for the Pradhan Mantri Aavas Yojana in Surat
If you are looking to get the benefits of the PMAY scheme as a resident of Surat, then follow the following steps mentioned below:
- Visit the official PMAY website at http://pmaymis.gov.in
- Once you have identified your category, select the appropriate component under the ‘Citizen Assessment’ section
- Enter your Aadhaar number and fill in the survey form. Remember that if your monthly income is more than Rs. 50,000, then you need to contact banks directly to apply for the PMAY scheme under the CLSS scheme.
- Once you have filled the online form, type the captcha code at the end and submit the form. Your PMAY application process is now over.
- You can track the status of your application as well, in the ‘Track Your Assessment Status’ section.
Eligibility Criteria for Applying Pradhan Mantri Aavas Yojana in Surat
PMAY has been designed keeping the urban poor of the country in mind. The mission basically targets four groups:
- Citizens who lives in slum
- Citizens who have a land of their own and are interested in construction. In order to get the benefit they need to select the Beneficiary Led Construction category
- Citizens who can afford to construct/repair a house of their own. In that case, citizens will be eligible for subsidies on their home loan and they need to select the Credit Linked Subsidy Scheme (CLSS)
- Citizens who don’t have any land or cannot afford a home loan. So in this scenario, they need to select Affordable Housing in Partnership category
People belongs to Economically Weaker Sections (EWS), Lower Income Groups (LIG) and Middle Income Groups (MIG) are eligible to get the benefits from the PMAY scheme.
Income criteria and the maximum subsidy eligibility, under the CLSS component.
Apart from this there are few things an applicant keep in mind
- The applicant’s family must include husband, wife and unmarried children.
- The applicant and his family should not own a pakka makan in any part of the country.
- People belonging to minority groups like SC/ST will be considered, provided they submit the necessary documents and fulfill the caste requirements.
- Women belonging to either of the aforementioned categories or minority communities will be eligible for benefits if they apply for the Pradhan Mantri Aavas Yojana plan.
- The applicant and his family should not have taken assistance from the Government of India under any housing scheme before.
Required documents for Applying PMAY Scheme in Surat
- Application form (completed)
- If the income is below the taxable limit, then a self-affidavit income certificate is necessary
- Permanent Account Number (PAN), Aadhaar number, voter’s ID, driving license, et cetera.
- Voter ID
- Copy of address proof
- Income proof
- Latest income tax return/Form 16, if applicable
- Proof of category, if you belong to OBC/SC/ST/Minority
- Bank statement of last six months
- Self-drawn and attested financial statement/business license/a short note on the nature of business or job of an applicant
- Valuation certificate from a certified valuer
- Affidavit from the applicant that he/she or any of the family members do not own a pakka makan in any part of the country
- Affidavit and Undertaking, stating that the construction is in an authorized area and it is as per the laws. Moreover, it should also clear that the loan is taken for residential purpose only
- Architects/Engineers Certificate confirming the following – the cost of construction/enhancement and in a case of purchase, it should also mention the expected life and the future of the house/flat
- Receipt of advance payment made to seller/builder, if applicable
- NOC from housing society or a respected authority
- The approved plan of construction
- Letter of allotment of property/Title deeds/Agreement of sale/Lease Deed
- Construction agreement with builder
Helpline Number for Pradhan Mantri Aavas Yojana in Surat
In case of any doubts regarding the Pradhan Mantri Aavas Yojana scheme in Surat, you can always approach the officials directly like go there and meet them in person. Alternately, you can call the toll-free PMAY customer care numbers to solve your queries.
- PMAY – Gramin – 1800-11-6446
- PMAY, Urban – 1800-11-3377, 1800-11-3388 (National Housing Bank)
- PMAY, Urban – 1800-11-6163 (Housing and Urban Development Corporation)