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.
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 required for salaried person:
DL or a copy of the Driving Licence
Aadhaar Card
Voter ID 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
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
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.
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
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
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.
Your dream of owning a home need not wait!, Pradhan Mantri Awas Yojana (PMAY) along with Bajaj Markets will make your dream come true And the best part! With PMAY scheme, you can get a significant subsidy on your Home Loan interest amount.
The following Awas Yojana documents are needed in the case of a salaried person are:
ID Proof can be an Aadhaar card, PAN card, passport, DL or driving licence, etc
Address proof can be an Aadhaar card, Voter card, 3 months CC or Credit Card Statement, receipt of Property tax payment, LIC or Life Insurance Policy, etc.
Income proof can be the last 6 months' bank statement, ITR receipts, and Salary slips for the last 2 months
The Awas Yojana documents such as the Sales Agreement and deed, Certificate to Property Registration, Builder Payment Receipt, etc. may also be needed.
The following documents are needed in the case of a self-employed person are:
ID Proof can be an Aadhaar card, PAN card, passport, DL or driving licence, etc
Address proof can be an Aadhaar card, Voter card, Bank Statements having your address, Voter card, LIC or Life Insurance Policy, or Passport. etc.
Income Proof can be Firm or factory establishment certificate, trade licence, SEBI certificate, SSI registration, PAN card, VAT registration, sales tax and deed receipt, factory registration certificate, ROC-issued registration number, partnership deed, etc.