Pradhan Mantri Awas Yojana Lucknow

The government of Uttar Pradesh is taking great initiatives to ensure that all individuals of the state get housing. The Chief Minister of Uttar Pradesh, Yogi Adityanath, headed the establishment of the housing scheme. As per the proposal, more than 1 Lakh homes will be constructed under the Pradhan Mantri Awas Yojana, Lucknow. The Housing & Urban Development Corporation (HUDCO) has offered a loan of ₹ 1000 crore for this program.

Through the scheme, the Central Government and the State Government will contribute towards the construction cost in a ratio of 60:40. The Lucknow PMAY scheme offers families from the lower-income background the opportunity to live in decent establishments. 

The Pradhan Mantri Awas Yojana carries some of the following features:

• The scheme makes housing affordable for lower-income groups. 

• The scheme includes four pillars i.e, Beneficiary Led Construction (BLC), Affordable Housing Partnership (AHP), Credit Linked Subsidy Scheme (CLSS), and In Setu Slum Rehabilitation (ISSR). 

The PMAY scheme in Uttar Pradesh is primarily aimed at providing affordable homes to the people belonging to the Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group -I and II (MIG-I and II) categories. Depending on the household income, the beneficiaries of PMAY who availed of a Home Loan are entitled to receive a subsidy on the interest amount. The following table reflects the eligibility criteria to be a PMAY beneficiary in Uttar Pradesh:

• Credit-Linked Subsidy Scheme (CLSS)

One of the key components of PMAY Uttar Pradesh under which the beneficiaries can avail subsidy on Home Loan amount is the Credit-Linked Subsidy Scheme (CLSS). The CLSS offers an interest subsidy to the beneficiaries for the Home Loan amount sanctioned based on their respective household incomes. A couple applying for the PMAY under the CLSS is entitled to receive only one subsidy, irrespective of the property owner status. Here is a table that encapsulates the eligible loan amount, interest subsidy, and carpet area under the CLSS for a tenure of 20 years:

• Beneficiary Led Construction (BLC)

This component can be utilised by the beneficiaries in Uttar Pradesh who already possess a piece of plot or house and want to build on the existing condition. Under BLC, the eligible beneficiaries can avail themselves of financial assistance of Rs. 1.5 Lakhs per unit for the enhancement of the property.

• Affordable Housing Partnership (AHP)

AHP has been designed keeping in view the eligible beneficiaries who neither own a piece of land nor can afford a Home Loan for house construction. In such cases, the AHP provides them with the financial support of Rs. 1.5 Lakhs per housing unit.

• In-situ Slum Rehabilitation (ISSR)

This component has been designed for the benefit of individuals residing in slums and wish to own a basic yet decent home. Under ISSR, the eligible beneficiaries are offered a financial grant of Rs. 1 Lakh from the government.

The process to apply for PMAY Lucknow is very simple. All you have to do is:

• Step 1: Visit the official PMAY or Pradhan Mantri Awas Yojana website i.e PMAY-HFA(Urban) (pmaymis.gov.in)

• Step 2: Choose the appropriate category you choose to apply i.e., other three components or slum dwellers.

• Step 3: On the PMAY - Urban (PMAY-U) page, click on the ‘Citizen Assessment’ option. 

• Step 4: Let’s say you select ‘Benefits under other three components’ if this is your category (Select ‘Slum Dwellers’ if otherwise’).

• Step 5: Enter all your Aadhaar card details before clicking on the ‘Check’ button. 

• Step 6: You will then be directed to another page where you must fill in other personal details that include name, caste, address, nationality, and more. 

• Step 7: Enter the ‘Captcha’ code and click on ‘Save’.

If you realize that you have entered any incorrect information, you can click on ‘Edit’ and modify the details.

To verify if your name exists as a beneficiary in the Uttar Pradesh Awas Yojana for 2020, you may navigate through the following steps:

• Visit the PMAY website at http://pmaymis.gov.in/

• On the home page, click on the ‘Search Beneficiary’ tab.

• Input your Aadhaar number and click on the ‘Show’ button.

• Now, your name along with other details are displayed on the screen.

Once you verify your name in the beneficiary list, you may avail the CLSS subsidy under PMAY Uttar Pradesh by applying for a Home Loan on trusted financial platforms like the Bajaj Markets. On Bajaj Markets, you can now avail of a Home Loan of up to Rs. 5 Crores at attractive interest rates to secure your dream home.