Agar aap shehri ilake (urban area) mein rehte hain aur apne ghar ka sapna dekh rahe hain, toh pradhan mantri awas yojana 2.0 urban eligibility criteria ko samajhna aapke liye pehla kadam hai. Kendra sarkar ne is ambitious housing scheme ko December 2024 tak badha diya hai, jisse laakhon parivaron ko fayda mil raha hai. Is scheme ka mool uddeshya “Sabke Liye Awas” (Housing for All) mission ke tehat shehri garibon aur alag-alag aay varg (income groups) ke logon ko saste mein pakka ghar uplabdh karana hai.
Yeh scheme khaas taur par un logon ke liye hai jinke paas pehle se koi pakka makaan nahi hai. Jaise ki Delhi mein rehne wali Sunita ji, jo ek private school mein teacher hain. Unka parivar kiraye ke makaan mein rehta tha aur apna ghar unke liye ek door ka sapna tha. PMAY-U scheme ki jaankari milne par unhone apply kiya aur Credit Linked Subsidy Scheme (CLSS) ke tehat home loan par mili bhaari subsidy se aaj woh apne 2BHK flat ki maalkin hain. Unka kehna hai, “Sarkar ki is madad ke bina hum shayad agle 10 saal tak bhi apna ghar nahi le paate.” Aaiye, is article mein hum detail mein jaante hain ki is scheme ke liye kaun-kaun apply kar sakta hai aur iska poora process kya hai.
Table of Contents
PMAY Urban Eligibility Criteria: Kaun Kar Sakta Hai Apply?
Pradhan Mantri Awas Yojana – Urban (PMAY-U) ke antargat laabh paane ke liye, aavedak (applicant) ko kuch khaas maapdandon (criteria) ko poora karna zaroori hai. Ye criteria parivar ki aay, property ownership aur kuch anya kaarkon par adhaarit hain. Neeche di gayi list se aap aasani se apni eligibility check kar sakte hain:
- Parivarik Aay (Annual Family Income): Scheme ko alag-alag aay vargon mein baanta gaya hai:
- Economically Weaker Section (EWS): Saalana parivarik aay ₹3 lakh tak honi chahiye.
- Light Income Group (LIG): Saalana parivarik aay ₹3 lakh se ₹6 lakh ke beech honi chahiye.
- Middle Income Group-I (MIG-I): Saalana parivarik aay ₹6 lakh se ₹12 lakh ke beech honi chahiye.
- Middle Income Group-II (MIG-II): Saalana parivarik aay ₹12 lakh se ₹18 lakh ke beech honi chahiye.
- Property Ownership: Aavedak ya unke parivar ke kisi bhi sadasya (pati, patni aur avivahit bachche) ke naam par Bharat ke kisi bhi hisse mein koi pakka makaan nahi hona chahiye.
- Parivar ki Paribhasha: Is scheme ke liye ‘parivar’ ka matlab pati, patni aur avivahit bachchon (unmarried children) se hai.
- Pehle Se Fayda Na Liya Ho: Parivar ne Bharat Sarkar ki kisi bhi anya housing scheme ke tehat koi bhi central assistance (kendriya sahayata) na li ho.
- Aadhaar Card Zaroori: Aavedak aur unke parivar ke sabhi sadasyon ke paas Aadhaar card hona anivarya hai.
- Mahila ki Hissedari: EWS aur LIG category mein, ghar ka ownership parivar ki mahila sadasya ke naam par ya joint name mein hona anivarya hai (kuch khaas mamlon ko chhodkar).
Kis Income Group ko Kitna Fayda? (PMAY-U Benefits)
Is scheme ka sabse bada aakarshan Credit Linked Subsidy Scheme (CLSS) hai, jiske tehat home loan ke byaaj par subsidy milti hai. Isse aapki EMI ka bojh kaafi kam ho jaata hai.
| Income Group | Max. Home Loan for Subsidy | Subsidy % | Max. Subsidy Amount | Max. Carpet Area |
|---|---|---|---|---|
| EWS | ₹6 lakh | 6.50% | ₹2,67,280 | 30 sq. m. |
| LIG | ₹6 lakh | 6.50% | ₹2,67,280 | 60 sq. m. |
| MIG-I | ₹9 lakh | 4.00% | ₹2,35,068 | 160 sq. m. |
| MIG-II | ₹12 lakh | 3.00% | ₹2,30,156 | 200 sq. m. |
Note: Ye figures official guidelines ke anusaar hain, bank se loan lete samay updated details zaroor confirm karein.
PMAY-U Application Process: Aise Karein Apply
Pradhan Mantri Awas Yojana – Urban ke liye aap online aur offline, dono tarikon se aavedan kar sakte hain. Poora process Ministry of Housing and Urban Affairs (MoHUA) dwara manage kiya jaata hai.
Online Application Process (Step-by-Step)
- Official Website Visit Karein: Sabse pehle PMAY-U ki official website pmay-urban.gov.in par jaayein.
- Citizen Assessment Chunein: Homepage par ‘Citizen Assessment’ dropdown menu par click karein. Yahan aapko ‘Apply Online’ ka option dikhega.
- Sahi Category Select Karein: Aapko do categories dikhengi – “In Situ Slum Redevelopment (ISSR)” aur “Affordable Housing in Partnership (AHP)” / “Beneficiary-led individual house construction/enhancements (BLC)” / “Credit Linked Subsidy Scheme (CLSS)”. Apni zaroorat ke hisaab se sahi vikalp chunein. Adhiktar log CLSS ke liye apply karte hain.
- Aadhaar/Virtual ID Verify Karein: Apna Aadhaar number ya Virtual ID aur Aadhaar par likha naam enter karein. Verification ke baad hi aap aage badh payenge.
- Application Form Bharein: Iske baad ek detailed application form khulega. Ismein apni personal details, family details, address, bank account information aur income details savdhani se bharein.
- Form Submit Karein: Poori jaankari bharne ke baad, captcha code enter karke form ko submit kar dein. Submit karne ke baad aapko ek application number milega, jise future reference ke liye sambhal kar rakhein.
Offline Application Process
Agar aap online process mein sahaj nahi hain, toh aap apne nazdeeki Common Service Centre (CSC) ya nagar palika/nagar nigam dwara authorized centers par jaakar bhi form bhar sakte hain. Iske liye aapko मामूली si fees deni pad sakti hai.
Zaroori Documents ki Checklist
Application process ke dauraan aapko kuch important documents ki zaroorat padegi. In documents ko pehle se taiyar rakhne se aapka samay bachega:
- Identity Proof: Aadhaar Card (anivarya), PAN Card, Voter ID Card, Driving License.
- Address Proof: Aadhaar Card, Voter ID Card, Utility Bills (bijli, paani, gas), Rent Agreement.
- Income Proof:
- Naukri karne walon ke liye: Pichle 6 mahine ki salary slip, Form 16 ya Income Tax Return (ITR).
- Business karne walon ke liye: Pichle 2 saal ka ITR, Balance Sheet aur Profit & Loss account.
- Property Documents (Agar laagu ho): Allotment letter ya builder ke saath kiya gaya agreement.
- Affidavit/Self-Declaration: Ek affidavit jismein yeh pramanit kiya gaya ho ki aapke ya aapke parivar ke naam par koi pakka makaan nahi hai.
- Bank Account Details: Pichle 6 mahine ka bank statement.
Application Status Kaise Check Karein?
Aap apne application ka status PMAY-U official portal par check kar sakte hain. Iske liye aapko ‘Track Your Assessment Status’ section mein jaakar apna Application ID ya anya details jaise naam, पिता ka naam aur mobile number enter karna hoga.
PMAY-U scheme, kendra sarkar ka ek mahatvapurna kadam hai jo shehron mein rehne wale kam aur मध्यम aay varg ke logon ke ghar ke sapne ko sakar kar raha hai. Agar aap pradhan mantri awas yojana 2.0 urban eligibility criteria ke dayre mein aate hain, toh is sunahre mauke ka laabh zaroor uthayein aur apne parivar ko ek surakshit chat pradaan karein.