The Pradhan Mantri Awas Yojana (PMAY) Mission was launched with the view to provide housing for every person in India.
This scheme has two components which are Pradhan Mantri Awas Yojana Gramin (PMAY – G) which is also known as Pradhan Mantri Awas Yojana Rural (PMAY – R) and Pradhan Mantri Awas Yojana Urban (PMAY – U).
There is, however, an eligibility criterion for those who will be receiving the benefits of this scheme.
Only the eligible person will have to submit a few documents to purchase a house under the scheme PMAY.
You have to select the PMAY Credit Linked Subsidy (CLSS). The PMAY Application is required to be filled with self-declaration.
There are simple steps provided below that you need to follow along with submitting all the required documents.
Below is the list of documents important for PMAY which is required to be submitted:
- A person who is Self-Employed or has a Business
| Income Certificate (necessary only if the income is taxable) |
| Aadhar Card |
| EWS/LIG Income Certificate |
| Pan Card |
| MNREGA Number |
| Driving License |
| Copy of address proof |
| Voter ID Card |
| Nationality ID Proof |
| Caste Certificate (SC/ST/OBC/Minority etc.) |
| Income proof (original salary slip/ salary certificate/other income) |
| Latest Income Tax Return/ Income Tax Assessment Order/ Form no 16 (If applicable) |
| Last six months’ bank statement |
| If not approved before, then a valuation certificate from the qualified valuer has also required |
| The certificate of the approved plan of the construction |
| The certificates of architects/engineers should confirm the cost of the construction/cost of repairs/cost of improvement/ cost of extension |
| NOC from the housing society/component authority |
| During the time of purchase of the flat/house, an architect’s certificate stating the estimated life, fitness, and future of the house is required. |
| Affidavit-cum-undertaking stating that the construction is done in an authorized area. The construction should be strictly according to the sanctioned plan/building and those should amend by the law as well. The loan will be sanctioned only for acquiring the house for residential purposes only. |
| A note should also be provided which states the nature of the business/ the activities done there/ self-attested financial statement/ the business license if the person is self-employed |
| If there is any receipt of advance payment made to the builder or seller, then that should also be submitted. |
| An affidavit from the beneficiary should also be submitted stating that either he/she or any of the other family members do not own any pucca house in any part of the country. |
| The letter of allotment of the property/ or agreement to sale, title deed/ lease deed/ mutation in respect of the pre-owned property, which requires to get extended according to where the property or resale property is proposed to be purchased from the builder. |
- A person who is a salaried employee:
| Income Certificate (necessary only if the income is taxable) |
| Aadhar Card |
| EWS/LIG Income Certificate |
| Pan Card |
| MNREGA Number |
| Driving License |
| Copy of address proof |
| Voter ID Card |
| Nationality ID Proof |
| Caste Certificate (SC/ST/OBC/Minority etc.) |
| Certificate of architects which confirms the expected life, |
| During the time of purchase of the flat/house, an architect’s certificate stating the estimated life, fitness, and future of the house is required. |
| Income proof (original salary slip/ salary certificate/other income) |
| Latest Income Tax Return/ Income Tax Assessment Order/ Form no 16 (If applicable) |
| Last six months’ bank statement |
| If not approved before, then a valuation certificate from the qualified valuer is also required |
| Agreement for the construction with the builder or the developer |
| The certificate of the approved plan of the construction |
| The certificates of architects/engineers should confirm the cost of the construction/cost of repairs/cost of improvement/ cost of extension |
| NOC from the housing society/component authority |
| Affidavit-cum-undertaking stating that the construction is done in an authorized area. The construction should be strictly according to the sanctioned plan/building and those should amend by the law as well. The loan will be sanctioned only for acquiring the house for residential purposes only. |
| The letter of allotment of the property/ or agreement to sale, title deed/ lease deed/ mutation in respect of the pre-owned property, which requires to get extended according to where the property or resale property is proposed to be purchased from the builder. |
| An affidavit from the beneficiary should also be submitted stating that either he/she or any of the other family members do not own any pucca house in any part of the country. |
| If there is any receipt of advance payment made to the builder or seller, then that should also be submitted. |
FAQs
| Q: What are all the documents required for the PMAY scheme?
Ans: For PMAY the main documents which are required to the submitted are:
|
| Q: Who is not eligible for the PMAY scheme?
Ans: Any person with 18 Lakhs of annual income, who has a pucca house in any part of the country, or any person who receives benefits from the government is not eligible for the scheme. |
| Q: How do I know that my PMAY is approved?
Ans: You can check your approval status from the official website. |
| Q: What is the carpet area provided in the PMAY scheme?
Ans: Around 30 sq. mt. of carpet area is provided to every family who is eligible for the scheme. |
