PMAY-HFA Urban: Everything To Know About [Ultimate Guide]

Objective | Achievement | Construction | Financial Progress | Overview | ISSR | CLSS | Affordable Housing | Enhancements | Guidelines | Criteria | Application Process | Application Status | Calculator | Banks | Latest Updates | Union Territory | FAQs

Although there were initial hiccups, the Pradhan Mantri Awas Yojana Housing For All Urban Scheme launched in June 2015 managed to pick up pace in 2019.

Throughout this article, we will examine the furtherance of Housing For All Urban in India.

PMAYU, known as Pradhan Mantri Awas Yojana Urban Housing For All Scheme, was launched by the Government Of India in June 2015. As the name implies, this scheme focused on the country’s urban areas. The scheme now covers about 4,000 cities and towns.

It was designed to aid the Central Government and the local authorities in implementing the scheme across India’s Union and state territories.

This scheme provides a:

• 6.5% of interest subsidy to the Lower Income Group and the Economically Weaker Section of the society
• 4% interest subsidy to Middle Income Group I
• 3% interest subsidy to Middle Income Group II

For housing loans taken by the eligible applicants under the Credit Linked Subsidy Scheme (CLSS) for 20 years.

Under the Pradhan Mantri Awas Yojana Urban Scheme, houses will be built using eco-friendly technology, with a preference for the ground floor given to older people and people with disabilities.

Currently, 1.05 crore houses have been sanctioned under the Pradhan Mantri Awas Yojana Urban Scheme to provide affordable housing to poor people in urban areas.

Also, read about PMAY application Status!

Key Features And Objectives Of PMAY-HFA Urban

Following are Pradhan Mantri Awas Yojana Housing For All Urban Scheme’s Key Features And Objectives

• Applicants are eligible for an interest subsidy of 6.5% on housing loans based on their income.
• A loan under PMAY U can be obtained by the beneficiaries to construct a house or to purchase a resale home.
• The tenure of a Housing loan under this scheme is up to 20 years.
• This scheme gives priority to women beneficiaries.
• Construction of houses is done using eco-friendly technologies.
• PMAY beneficiaries are eligible for PMAY until a cut-off date is determined by the States/Union Territories (UTs).
• Pradhan Mantri Awas Yojana Urban’s Beneficiaries must have a Bank Account Number, Permanent Account Number (PAN card), and an Aadhaar Card Number.
• The houses will not be considered complete under the PMAY U Scheme until the necessary infrastructure, such as power supply, water supply, drainage, and sanitation, is in place.
• Geotagged photographs will be used for tracking the progress of the houses under Pradhan Mantri Awas Yojana Housing For All Urban’s BLC component.

Achievement Report Of PMAY-HFA Urban [August 2022]

As you can see, under the PMAYU Scheme, 1.23 Crore houses have been sanctioned.

If we talk about the Construction Of Houses on 1st August 2022

• There was a demand for 112.24 lakh houses in urban areas.
• Out of which 112.63 lakh houses were sanctioned.
• 102.59 lakh houses were grounded.
• And a total of 61.77 lakh houses were completed and delivered.

Now, if we talk about the Financial Progress Of Houses on 1st August 2022

• The amount of RS 2,03,427 crores have been committed.
• The amount of RS 1,20,130 crores has been released.
• The amount of RS 1,13,770 crore has been used for expenditure.
• Utilisation Certificates Received is RS 1,13,354 crore.

An overview of the PMAY-HFA Urban Various Components

Below is a list of PMAY U’s various components

In-situ Slum Redevelopment (ISSR)

• In this component, the Government Of India aims to rehabilitate the slum land by partnering with Private firms to provide households to families living in such slums.
• The Central Government will make the price determination (of the house).
• And the beneficiary contribution will be determined by the State Government/Union Territory.
• Each eligible house will receive a Rs 1 lakh rehabilitation grant.

Credit Linked Subsidy Scheme (CLSS)

• The Second component of the Pradhan Mantri Awas Yojana Urban Scheme is the CLSS, in which the Government of India provides subsidies on interest rates to its beneficiaries.
• The subsidy interest rate varies depending on the group.

Here’s a nutshell explanation through this table

Categories	Economically Weaker Section	Lower Income Group	Middle Income Group I	Middle Income Group II
Duration Of Scheme	17th June 2015 To 31st March 2022	17th June 2015 To 31st March 2022	1st January 2017 To 31st March 2021	1st January 2017 To 31st March 2021
Income Of The Households	Up Till RS 3,00,00	RS 3,00,000 To RS 6,00,000	RS 6,00,000 To RS 12,00,000	RS 12,00,000 To RS 18,00,000
Subsidies Interest Rate	6.5 Percent (per annum)	6.5 Percent (per annum)	4 Percent (per annum)	3 Percent (per annum)
Tenure Of The Loan	20 Years	20 Years	20 Years	20 Years
The Maximum Amount of Loan Entitled to Subsidies	RS 6,00,000	RS 6,00,000	RS 9,00,000	RS 12,00,000
Maximum Adobe Unit Carpet Area	30 Square metre	60 Square metre	160 Square metre	200 Square metre
Calculation Of Subsidies Interest Rate Through NPV	9%	9%	9%	9%

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Affordable Housing in Partnership (AHP)

• Through this component, public and private partners will collaborate to construct housing for the Economically Weaker Section category.
• The Government Of India will provide aid of Rs 1.5 lakh per house.
• If the project offers at least 250 houses and at least 35% of the housing is for the Economically Weaker Section category, assistance will be provided by the Central Government. 

Beneficiary-led individual house construction/enhancements (BLC)

• Under this component, aid is provided to the families of beneficiaries who cannot avail of the benefits from the abovementioned components.
• Central aid of RS 1.5 Lakhs is being provided to the families of beneficiaries who fall (part) under the Pradhan Mantri Awas Yojana Urban Housing For All Scheme.
• The advantage of this component can be taken by beneficiaries only when the existing house can be extended by no less than 9.0 square meters.
• Kuccha or Semi pucca houses of beneficiaries can be re-developed through this component.

Guidelines And Eligibility Criteria For PMAY-HFA Urban

To be eligible for this scheme, you must adhere to these guidelines and meet the necessary criteria:

• No pucca house can be owned by either the beneficiary or his family in the country.
• A married couple or joint owner will receive one subsidy.
• The beneficiary shouldn’t have received any housing benefits in the past.
• Aadhar cards must be provided by the beneficiary and his family while applying for the loan.
• An unmarried son or daughter, as well as the beneficiary’s wife, comprises the beneficiary’s family.

Criteria

Categories	Income Of Households
Economically Weaker Sections Of Society (EWS) whose income is up to	RS 3,00,000
Low Income Group whose income is up to	RS 3,00,000 To RS 6,00,000
Middle Income Group-I, whose income is up to	RS 6,00,000 To RS 12,00,000
Middle Income Group-II, whose income is up to	RS 12,00,000 To RS 18,00,000

Application Process Under PMAY-HFA Urban

The following steps will guide you through the PMAY-Urban application process:

• The candidate has to visit the Official Website of Pradhan Mantri Awas Yojana Urban, where they have to log in their details.

• After logging in, click on the Citizen Assessment option on the homepage.

• After clicking, choose either from “Slum Dweller option” or “Benefit Under Other 3 Components”.
• After choosing any one option, you will be redirected to a new page where you will be asked for your Virtual ID Number or Aadhar Card Number.

• Input your details and make sure the details you are mentioning are authentic; otherwise, your application will be called off.

• After furnishing all the details, fill in the captcha code given and hit on to the submit button.

How To Keep Track Of Your PMAY-HFA Urban Application Status

Your query can be answered by following the steps below:

• The beneficiary must log in to the Official Website of Pradhan Mantri Awas Yojana Urban.

• Go to the Citizen Assessment option on the homepage, where you will find an option to Track Your Assessment Status.

• Upon clicking the option, the beneficiary will be prompted to enter their registered mobile number or father’s name.

• Input the details and hit the submit option; your device will show your application status.

An Interactive Calculator To Calculate Subsidy Under PMAY-HFA Urban

• The beneficiary must visit the PMAYU-HFA Scheme page.
• The beneficiary should input the following information:

-Mention your annual family income

-Input the loan amount

-Input the tenure period

-Answer the question “Is this your first pucca house?” by choosing from Yes or No

• Once the details are provided, press the ‘Calculate’ button.
• It will show you how much subsidy you will receive on your loan amount.

Top 10 Banks offering Home Loans Under PMAY-HFA Urban

The top 10 banks in India which offer loans under the PMAY scheme are listed below:

• Bank of Baroda
• State Bank of India
• Axis Bank
• IDFC First Bank
• Bandhan Bank
• Bank of India
• HDFC Bank
• IDBI Bank
• Punjab National Bank
• Canara Bank

Latest Updates On Pradhan Mantri Awas Yojana Urban Housing For All Scheme (PMAYU-HFA)

• The Government Of India launched the Pradhan Mantri Awas Yojana Urban Housing For All Scheme in June 2015, intending to construct a total of 1.12 crore residential units by the end of 2022.
• On 17th August 2022, the Cabinet Minister approved prorating the scheme until 31st December 2024 to ensure the speedy completion of houses under the PMAY-Urban Scheme.
• Following the most recent government reports, 112.63 lakh houses were sanctioned, 102.59 lakh houses were grounded, and 61.77 lakh houses were completed and delivered.

States/Union Territory Progress Under PMAY-HFA Urban

			Physical Progress Of Houses (NOs)	Physical Progress Of Houses (NOs)	Physical Progress Of Houses (NOs)	Financial Progress (RS IN CRORE)	Financial Progress (RS IN CRORE)	Financial Progress (RS IN CRORE)
	Name Of the State & Union Territory	Project Proposal Considered	Sanctioned	Grounded	Completed/Delivered	Investment	Sanctioned	Released
States	Andhra Pradesh	1,203	20,71,776	19,21,824	5,82,717	88,685.56	31,555.35	14,223.58
States	Bihar	520	326546	307781	96092	18329.26	5165.61	2544.76
States	Chhattisgarh	1796	301781	254123	148380	13313.86	4755.72	2899.23
States	Goa	10	3097	2867	2865	657.98	72.21	67.72
States	Gujarat	1717	1054790	874321	737945	106172.84	21060.84	15256.81
States	Haryana	457	165427	87948	53256	15510.32	2944.68	1349.18
States	Himachal Pradesh	308	13053	12625	7876	863.33	235.81	172.41
States	Jharkhand	453	234114	209897	112612	11541.54	3682.33	2520.23
States	Karnataka	2760	700578	591102	273962	51193.35	11493.56	5407.70
States	Kerala	699	157430	128878	102396	8270.76	2611.60	1832.43
States	Madhya Pradesh	1853	958100	858671	520939	52506.62	15709.71	11671.14
States	Maharashtra	1556	1634553	869405	639232	190648.19	28620.19	13916.70
States	Odisha	976	212950	161531	108615	9727.56	3350.97	1885.86
States	Punjab	871	111896	100430	55042	7977.06	1986.21	1294.36
States	Rajasthan	422	266692	630336	137516	21857.38	5039.92	3313.22
States	Tamil Nadu	4708	691236	235413	463030	48598.21	11257.92	8591.22
States	Telangana	303	247079	1529132	210079	30099.27	4396.03	3044.09
States	Uttar Pradesh	4536	1714013	39775	1140483	83785.89	26978.71	19340.62
States	Uttarakhand	243	66473	39775	24991	5289.01	1209.46	636.35
States	West Bengal	656	693436	489722	283839	37500.52	11070.19	5582.14
	Sub-Total (States)	26047	11325020	9475968	5701667	802528.52	193197.02	115549.76
North East States	Arunachal Pradesh	61	8999	8243	3358	510.70	189.84	143.13
North East States	Assam	441	161309	155514	54229	4884.85	2441.23	115.92
North East States	Manipur	45	56029	45429	6481	1445.21	841.11	337.13
North East States	Meghalaya	36	4752	3648	902	185.29	72.08	24.95
North East States	Mizoram	52	40452	35623	5330	917.31	618.81	204.60
North East States	Nagaland	75	32335	31950	8027	1050.01	511.02	306.97
North East States	Sikkim	11	701	562	179	34.26	11.88	6.41
North East States	Tripura	122	94289	80689	60117	2948.44	1512.97	1091.21
	Sub-Total (North Eastern States)	843	398866	361658	138623	11976.07	6198.92	3273.33
Union Territory	Andaman & Nicobar (Union Territory)	2	378	377	45	95.74	5.87	1.97
Union Territory	Chandigarh (Union Territory)	–	1194	1129	1129	253.29	27.13	25.56
Union Territory	Union Territory Of DNH & DD	9	10011	8789	6370	848.33	210.26	164.95
Union Territory	Delhi (NCR)	–	28449	27288	27288	5444.16	653.44	624.76
Union Territory	Jammu & Kashmir (Union Territory)	403	48832	46656	14466	2666.48	750.03	363.50
Union Territory	Ladakh (Union Territory)	8	1363	1071	596	67.73	31.05	22.15
Union Territory	Lakshadweep(Union Territory)	–	–	–	–	–	–	–
Union Territory	Puducherry (Union Territory)	45	16039	15632	6845	901.61	252.43	167.64
Union Territory	Subtotal (Union Territory)	467	106266	100942	56736	10277.3	1930.22	1370.53
	GrandTotal	27357	121.30 Lakhs	103.40Lakhs	62.38 Lakhs	8.25 Lakh Crore	2.01 Lakh Crore	1.20 Lakh Crore

Out of total 122.69 lakh houses approved and allotted as on 31.3.2022, around 1.4 lakh non-starter homes have been curtailed by some States against which States to put up new proposals by August 2022.

सबका सपना, घर हो अपना

Frequently Asked Questions

Can I apply for Pradhan Mantri Awas Yojana Urban Housing For All Scheme if I own an unconstructed plot?

Yes, people with an unconstructed plot can avail the benefits and apply for Pradhan Mantri Awas Yojana Urban Housing For All Scheme.

When did Pradhan Mantri Awas Yojana Urban Housing For All Scheme (PMAYU-HFA) come into existence?

The Government Of India launched this scheme on 25th June 2015.

Would it be possible for me to apply for more than one income category under the Pradhan Mantri Awas Yojana Urban Scheme?

The scheme’s benefits can only be accessed by one income category.

Can I apply for PMAY-Urban if my parents own a house?

Let’s say that you fall into the income category described above.

In that case, Pradhan Mantri Awas Yojana Urban applies despite your parents owning a house. This is because both adults earning income are considered separate households. However, you should not own a pucca house anywhere else.

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