Big change in PM Awas Yojana! Now everyone will get a free house! Know complete information PM Awas Yojana Update 2025 – StudyToper

PM Awas Yojana Update 2025: Pradhan Mantri Awas Yojana (PMAY) is an important initiative of the Government of India which aims to provide a house to every citizen of the country. The scheme was launched in 2015 and has benefited lakhs of people since then. Recently, some important changes have been made in the scheme which aim to make it more effective and inclusive.

With these new changes, PM Awas Yojana is now expected to reach more people. The government claims that through these changes, now all eligible beneficiaries will get houses free of cost. This is a big step that will not only help in solving the housing problem but will also contribute to the overall development of the country.

What is Pradhan Mantri Awas Yojana (PMAY)?

Pradhan Mantri Awas Yojana (PMAY) is a central sector scheme aimed at providing “Housing for All” by 2022. The scheme is divided into two major categories:

1. Pradhan Mantri Awas Yojana – Urban (PMAY-U)
2. Pradhan Mantri Awas Yojana – Rural (PMAY-G)

The main goal of this scheme is to provide affordable housing to people belonging to the Low Income Group (LIG) and Economically Weaker Section (EWS).

Brief description of PMAY

Major changes in PM Awas Yojana

Recently, the government has made some important changes in PMAY. These changes have been made with the aim of making the scheme more inclusive and effective. Let’s take a look at these changes:

1. Expansion of category of beneficiaries: Now apart from EWS and LIG, people from middle income group (MIG) can also avail the benefits of this scheme.
2. Increase in subsidy amount: The government has increased the subsidy amount to a maximum of ₹2.67 lakh.
3. Increase in carpet area: The maximum carpet area for EWS category has been increased from 30 square meters to 36 square meters.
4. Online Application Process: Now the application process can be done completely online, making the process faster and transparent.
5. Free House Facility: Some special categories of beneficiaries will now get free houses.

Free House Scheme: Detailed Information

The government claims that now some special categories of beneficiaries will get houses for free. This is a big step that will benefit the following categories of people:

1. Extremely poor families: Those whose annual income is less than ₹3 lakh.
2. Widows and single women: Those who are the sole earning member of their family.
3. Disabled Persons: Those whose disability is 40% or more.
4. Senior Citizen: Single senior citizen above 60 years of age.

The entire amount for the construction of the house will be provided by the government to the beneficiaries of these categories. However, there are some conditions for this:

• The beneficiary must have his own land.
• The construction of the house should be as per the standards set by the government.
• The construction work should be completed within the stipulated time limit.

Benefits under PMAY-Urban

PMAY-Urban focuses on four key components:

1. In-situ Slum Redevelopment (ISSR): Under this, slum areas are redeveloped.
2. Affordable Housing in Partnership (AHP): In this, affordable housing is built in collaboration with private developers.
3. Beneficiary-led Construction (BLC): In this, beneficiaries are given financial assistance for the construction or expansion of their houses.
4. Credit Linked Subsidy Scheme (CLSS): Under this, interest subsidy is given on home loan.

Interest Subsidy under CLSS

Benefits under PMAY-Gramin

PMAY-Gramin is for people living in rural areas. Its major benefits are:

• Financial Assistance: Financial assistance ranging from ₹1.20 lakh to ₹1.30 lakh.
• Additional assistance: Additional assistance of ₹12,000 for toilet construction.
• Employment: 90-95 days unskilled labor under MGNREGA.
• Training: Mason Training Program.

application process

The application process for PMAY is now completely online. Follow these steps to apply:

1. Visit the official website of PMAY.
2. Click on “Citizen Assessment” or “Citizen Registration”.
3. Enter your mobile number and receive OTP.
4. Create your account by entering OTP.
5. Fill the required information and upload the documents.
6. Submit the form and get the application number.

Required Documents

• Aadhar card
• PAN card
• income certificate
• Caste Certificate (if applicable)
• Bank account statement
• land ownership documents

Success Stories of PMAY Beneficiaries

PMAY has brought positive change in the lives of millions of people. Some Success Stories:

1. Ram Singh, Uttar Pradesh: Ram Singh was a daily wage labourer. Under PMAY-G, he received assistance of ₹1.20 lakh, so that he could build his own permanent house.
2. Sunita Devi, Bihar: Sunita was a widow who lived in a hut. He got a flat for free under PMAY-U.
3. Ahmed Khan, Rajasthan: Ahmed is a small shopkeeper. Under CLSS, they got interest subsidy on home loan, so that they could buy their house.

Impact and Achievements of PMAY

PMAY has made significant contributions to the housing sector of the country:

• Construction of houses: About 1.22 crore houses to be constructed by 2022.
• Employment Generation: Lakhs of new jobs were created in the construction sector.
• Improvement in the standard of living: The standard of living of millions of families improved.
• Urban Development: The number of slums decreased in urban areas.

Disclaimer

This article is for informational purposes only. Although we have tried to provide accurate information, government policies and schemes may change from time to time. Therefore, please verify the latest information from official government sources before taking any action. This article is not legal or financial advice of any kind. You will be responsible for any decisions regarding the scheme.