Pradhan Mantri Awas Yojana Documents

The Pradhan Mantri Awas Yojana is a scheme offered by the Government of India to the citizens of India. As per the scheme, the citizens of the country can avail housing facilities. As per the Credit Linked Subsidy Scheme, eligible citizens of India can avail a subsidy of 6.5% on home loans.

To get the benefits of PMAY, the residents need to apply for the scheme which can be done online or offline. However, one important thing to note here is that the citizens will have to be meticulous in organising the Pradhan Mantri Awas Yojana documents. There is a long list of the Pradhan Mantri Awas Yojana documents you need to submit to get your application approved.

While applying for PMAY, it is a must for you to keep all the required Pradhan Mantri Awas Yojana documents handy. Ensure that you present only authentic documents. You must check the eligibility criteria before applying for the scheme. This scheme is formulated to encourage the Economically Weaker Sections or EWS people as well as the Lower-Income Groups or LIGs to participate in the ‘Housing for all’ scheme.

Here, we will update you with PM Awas yojana documents required to apply for this government scheme.

PMAY : ID or Identity Proof Documents

Furnishing all the required Pradhan Mantri Awas Yojana documents is one of the most essential parts of applying to the PMAY.

ID Proof required for PMAY document list for salaried person:

• The citizens need to present a copy of the Voter Card

• The applicant also needs to keep a valid Driving Licence ready

• Like in many other loans and property documentation requirements, Aadhaar Card is a must in the PMAY scheme too

• A Passport is another ID proof

• Govt. issued ID card carrying a photo is another significant part of the list

• A verified letter from a government worker carrying photographs will also work

ID Proof required for PMAY document list for self-employed person:

• The applicant can show a Voter Card

• The applicant can keep a valid DL or Driving Licence handy

• Aadhaar Card is also an ID proof for the PMAY scheme

• A Passport can also be one of the ID card proofs

• Govt. issued ID card having a photo needs to be attached

• Verified letter from a government worker having photographs

PMAY : Address Proof Documents

PMAY Address proof documents required for salaried person:

• DL or a copy of the Driving Licence

• Aadhaar Card

• Voter ID card

• Ration Card

• Utility bills such as electricity bills, gas bills, phone bills, etc.

• Passport

• Notarized Rent Agreement

• Letter by the employer, which must be on the company letterhead

• Bank Statement from PO or post office

• Bank Statements carrying your address details

• CC or Credit Card Statements

• Property tax receipt which you have paid

• Verified letter from a government worker carrying the photograph of the applicant

• LIC or Life Insurance Policy certificate

• Self or Family Pension payments orders

• Copy of the property deal. The same is made available at the time of buying the property

• The employers presented a Leave and licence agreement, which allocates official accommodations

• Government documents the department of a foreign jurisdiction. A letter issued by a foreign embassy may also work

PMAY address proof documents required for a self-employed person:

• Ration Card

• Utility bills such as electricity bills, gas bills, phone bills, etc.

• Passport

• Municipal Tax receipt

• Notarized Rent Agreement

• DL or a copy of the Driving Licence

• Aadhaar Card

• Voter ID card

• Bank Statement from PO or post office

• Bank Statements carrying your address details

• Self or Family Pension payments orders

• Copy of the property deal. The same is made available at the time of buying the property

• Government documents the department of a foreign jurisdiction. A letter issued by a foreign embassy may also work

• CC or Credit Card Statements

• Property tax receipt which you have paid

• LIC or Life Insurance Policy certificate

PMAY address proof documents required in case of commercial entities:

• Shareholding pattern list

• PAN Card

• Sales Tax details

• NO issued by ROC Registration

• Memorandum of Association or MOA

• Partnership deed

• SSI Registration Certificate

• Shops and Establishment Certificate

• The Certificate of VAT Registration

• Factory Registration Certificate

• Code Certificate of Export-Import

• A Certificate of SEBI Registration

• Professional qualification Certificate

• Trade Licence Certificate

• Degree Certificate for Professionals

• All the documents related to the loan repayment

• Repayment bank statements for the last 6 months if you have an ongoing loan

PMAY : Income Proof Documents

Income proof PMAY documents for PMAY for a salaried employee:

• Last two months' salary slip

• Bank statement for the last 6 months

• Form 16 or ITR

Income proof PMAY documents for a self-employed employee:

• ITR of last 2 years

• P&L sheet

• Balance sheet

• Statement of Current Account for last six months

• Factory establishment certificate

• Trade licence

• SEBI certificate

• SSI registration

• PAN card

• VAT registration

• Sales tax and deed receipt

• Factory registration certificate

• ROC issued a registration number

• Partnership deed, etc.

PMAY : Property Documents

Property-related PMAY documents required for a salaried individual:

• Allotment Letter copy

• Agreement to Sell document

• The document of a complete chain property

• Payment receipt

Property related PMAY documents required for a self-employed individual:

• Payment receipt

• Agreement to Sell document

• Allotment Letter copy

• The document of a complete chain property

PMAY : Other Documents

The list of other Awas Yojana document includes:

• Death Certificate

• Marriage Certificates

• Age Proof documents like Birth Certificates, School Leaving Certificates, etc.

• A Declaration proving that the beneficiary does not own a pucca house

• Construction Agreement with the builder, Valuation Certificate for the prospective property, Advance payment receipt, in case of property under construction declaration

• Processing Fee Cheques from the salary account in the case of a salaried individual and business account for a self-employed individual

• NOC from the Housing Society

PMAY Eligibility Criteria

• The beneficiary and the beneficiary family must not have any pucca house in the country

• The beneficiary or beneficiary’s family must not have used the subsidy provided under the CLSS scheme

• The borrower’s family must have a minimum of one female member as owner or co-owner of the property in the case of EWS and LIG

The PMAY subsidy scheme is available for four categories including the Economically Weaker Section, Lower Income Group, Middle Income Group - MIG I, and Middle Income Group 2- MIG 2. The annual household income of the applicant must be as per the details below. PMAY Eligibility Criteria for different applicant groups are:

• In the case of the Economically Weaker Section or EWS, the annual income needs to be less than Rs. 3 Lakhs

• For the Low-Income Group or LIG group, the annual income needs to be up to Rs. 6 Lakhs

• For the Mid-Income Group or MIG, the annual income can be up to 12 Lakhs in the case of MIG1, and an annual income of up to 18 Lakhs is fine for MIG2

In addition to obtaining a loan from the PMAY scheme, you can also avail a home loan through the wide network of providers that have partnered with Bajaj Markets. These home loans are available at very reasonable interest rates.

PMAY Useful Links