Pradhan Mantri Awas Yojana 2024 | PM Awas Yojana 2024

The Central Government has given special importance to the Pradhan Mantri Awas Yojana 2024 in 2024. When the budget was presented in the Parliament on 1 February 2024, Indian Finance Minister Nirmala Sitharaman gave the highest importance to the housing scheme apart from many important schemes of the Government of India. During this, he also mentioned the strategy of the Government of India regarding the housing scheme.

Let us today discuss some important information about the Pradhan Mantri Awas Yojana of the Government of India and the future strategy of the government. Apart from this, we should also pay attention to the changes that have taken place in the Prime Minister’s Housing Scheme.

What is Pradhan Mantri Awas Yojana

First of all, let me clarify one thing that Pradhan Mantri Awas Yojana is not a new scheme, before Shri Narendra Modi became the Prime Minister of India, this scheme was known as Indira Awas Yojana. But the beneficiaries of that scheme were very few.

When Narendra Modi became the Prime Minister, Indira Awas Yojana was renamed as Pradhan Mantri Awas Yojana in 2016 and the work of the scheme started with great enthusiasm. Between 2016 and 2020, this scheme has benefited many people in rural and urban areas.

The lockdown in India as well as in the rest of the world had hindered progress. Therefore, along with various government schemes, the housing scheme also took a back seat. Currently, before the Lok Sabha elections, Finance Minister Nirmala Sitharaman presented many updates and important strategies of the Pradhan Mantri Awas Yojana to the public.

Objective of Pradhan Mantri Awas Yojana

As I said earlier, Pradhan Mantri Awas Yojana was launched in 2016, with the aim of providing all the poor people of India who do not have pucca houses, and those who have broken roofs, the facility to build their own houses by 2022. Have to provide.

Later, along with other government schemes, this scheme also could not be successful in the stipulated time, but it cannot be denied that before this, most of the people of rural and Sahara areas had got the benefit of PM Awas Yojana.

If we look at the government figures, we will find that till now about 3 crore families have got the benefit of Pradhan Mantri Awas Yojana. At present, the government aims to provide benefits of this scheme to 2 crore more families by 2025.

So broadly the objective of Pradhan Mantri Awas Yojana is to provide permanent houses to all the poor families of India but there are some conditions in it. Which we will discuss below.

PM Awas Yojana Beneficiary

I think after reading till now you must have known who will benefit from this scheme. But let me clarify once again that this scheme will benefit all those poor people who do not have permanent houses. But some beneficiaries will get the benefits first, and some will get the benefits later. There are detailed guidelines on that.

Types of Pradhan Mantri Awas Yojana

Know here the different types of Pradhan Mantri Awas Yojana. This scheme is of two types, first Pradhan Mantri Awas Yojana Rural and second Pradhan Mantri Awas Yojana Urban. There are several differences between these two variants of the same plan. It is essential that you know the difference.

Pradhan Mantri Awas Yojana Gramin (PMAY-G)

The remarkable detail of Pradhan Mantri Awas Yojana Gramin is that the money given by the government to the beneficiaries of these two is never taken back. Or in other words, the beneficiary does not have to return the money.

Pradhan Mantri Awas Yojana Urban (PMAY-U)

In Pradhan Mantri Awas Yojana Urban, the amount given by the government to the beneficiaries is given in the form of a loan at low interest, which the beneficiary can repay after many years. In other words, the beneficiary of this scheme will have to return the money given. .

Pradhan Mantri Awas Yojana Eligibility Criteria

There are two types of Pradhan Mantri Awas Yojana which we have just discussed. So the eligibility is different in both these types of scheme which we have discussed below.

Pradhan Mantri Awas Yojana Gramin (PMAY-G) Eligibility Criteria

• Pradhan Mantri Awas Yojana (PMAY) scheme is available for households with annual income up to Rs 18 lakh.
• The applicant’s family should not own a house in any part of the country.
• The applicant’s family should not have availed the benefits of any housing related schemes established by the Government of India.

Pradhan Mantri Awas Yojana Urban (PMAY-U) Eligibility Criteria

• All landless or homeless families.
• All the families who have a dilapidated mud house with one or two rooms.
• Any household in which there is no literate male member above 25 years of age.
• Any household in which there is no member between the age of 15 to 59 years.
• Any family which has a disabled member is also eligible to avail benefits under the Pradhan Mantri Awas Gramin Yojana.
• Those who do not have permanent jobs and engage only in casual labour.
• Along with minority groups, people from Scheduled Tribes and Castes are also included in this scheme.

How to apply for Pradhan Mantri Awas Yojana

This scheme is different for people of rural and urban areas, hence the application process is different here, but let me tell you that if you live in an urban area then you can go to the nearest bank and complete the application process related to this scheme. can complete. And if you live in a rural area then you can complete the application process by going to the Gram Panchayat or your Block Development Office.

Conclusion:

The Pradhan Mantri Awas Yojana (PMAY), launched in 2016, aims to provide permanent housing for low-income families in India. While the initial goal was to achieve this by 2022, the scheme has been extended and aims to benefit 2 crore more families by 2025.

There are two main categories under PMAY: Pradhan Mantri Awas Yojana Gramin (PMAY-G) for rural areas and Pradhan Mantri Awas Yojana Urban (PMAY-U) for urban areas. The key difference is that PMAY-G provides a grant, while PMAY-U offers a subsidized loan.

Eligibility criteria vary between PMAY-G and PMAY-U. However, both prioritize families without a permanent home and those living in poor conditions.

If you believe you might be eligible for PMAY, you can apply through your local bank (urban areas) or Gram Panchayat/Block Development Office (rural areas).

#PMAY #PMAYYojana #HousingScheme #India #AffordableHousing #PradhanMantriAwasYojanaGramin #PradhanMantriAwasYojanaUrban #Homeownership #HousingForEveryone