Housing facility is one of the basic needs as it isn’t only about having a roof over one’s head but it is one of the ways through which one feels safe and secure. As important as it is, in reality, not everyone enjoys the fruits of this basic need, especially people residing in the urban parts of a country like India.
To ensure that every citizen of India has a roof over their head, a place they can call home and return to at the end of a hectic day, the government of India launched the Pradhan Mantri Awas Yojana—Urban. The Sarkari Yojana aims to help people from low-income groups and middle-income groups get their own houses that they can turn into homes later.
Recently, the central govt launched the second phase of the Pradhan Mantri Awas Yojana—Urban. The second phase of PMAY-U aims to provide funds of Rs 1 crore to people from low-income groups so that they can build their houses.
Details Of The PMAY-U 2.0
The second phase of the Pradhan Mantri Awas Yojana—Urban was launched to provide Rs. 1 crore to people from low-income groups and middle-income groups who reside in the urban parts of India so that they can begin the construction process of their houses. Some of the key details of the housing scheme are:
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Subsidy: The govt scheme would provide a subsidy of Rs. 2.5 lakh to one lakh beneficiaries of the scheme in the next five years.
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Pucca houses: PMAY-U 2.0 helps people in the construction of Pucca houses only.
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Verticals: The Sarkari Yojana has four major verticals that help streamline its work. Those 4 verticals are:
- Beneficiary-Led Construction (BLC)
- Affordable Housing in Partnership (AHP)
- Affordable Rental Housing (ARH)
- Interest Subsidy Scheme
Eligibility Of PMAY-U 2.0
Interested individuals first need to ensure whether they fit into the eligibility criteria or not. The eligibility criteria are laid down below covering all the points:
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People must be from low-income groups with no pucca houses.
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The annual income of people from low-income groups should range from Rs. 3 lakh to Rs. 6 lakh.
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The annual income of people from middle-income groups should range from Rs. 6 lakh to Rs. 9 lakh.
Online Application Process Of PMAY-U 2.0
Interested and eligible individuals can apply for the govt scheme without going to any govt office as the application process is online. The application process is mentioned below in the step-wise format:
Step 1: Please visit the official website of PMAY-U.
Step 2: Click on the ‘Apply for PMAY 2.0’ option.
Step 3: Fill in your details like name, annual income, etc.
Step 4: Upload the necessary supporting documents like an Aadhaar card, Income certificate, etc.
Step 5: Apply and wait for approval.
Conclusion
The second phase of the Pradhan Mantri Awas Yojana—Urban aims to provide subsidies to people from low and middle-income groups so that they have their own houses in the urban parts of India. It isn’t merely a Sarkari scheme that was designed to provide people with facilities but a scheme that aims to put a roof over people’s heads.
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