Pradhan Mantri Gramin Awas Yojana New List 2022 नई लिस्ट जारी, फ़टाफ़ट चेक करें अपना नाम
A loan is given for the greatest time of 30 years under the Pradhan Mantri Awas Yojana. Assuming the beneficiary accomplishes 65 years old before the fulfillment of 30 years, then, at that point, he/she should pay the loan first before his/her age of 65 years. If an individual is able to pay the loan even before this period, then, at that point, he can do as such. Under this plan, the public authority will give 1 crore houses to the required beneficiaries by the year 2022.
Under this plan, beneficiaries will be chosen based on the 2011 census. Through Pradhan Mantri Gramin Awas Yojana 2022, the sum given to monetarily weaker section families/ groups of country regions to build houses will be straightforwardly moved to the bank account and with this money, individuals of rustic regions can satisfy their dream about building a house.
Advance under Pradhan Mantri Gramin Awas Yojana is given for a time of 30 years. Assuming the applicant who has taken the advance turns 65 years before the completion of his 30 years, then the recipient can pay the credit even before that. To pay the loan even before the end of the loan tenure, they can do so prior too. To pay the loan amount, this special facility has been given to the residents through the central government, residents can pay the loan somewhat early according to their comfort. If the recipient resident has any desire to pay the loan even before the time of 30 years, then he can do it at his own circumspection.
Tax benefits under the Pradhan Mantri Gramin Awas Yojana 2022
Under the Pradhan Mantri Awas Yojana, the public authority has given a lot of tax exemptions, which are as per the following:
-
Segment 80C– Income charge exception up to 1.5 lakh per year on payment of the principal amount of home loan.
-
Section 24(b) – Income tax exception up to ₹ 200000 for each annum on interest payment of a home loan.
-
Segment 80EE – First-time home purchasers can get tax relief up to ₹ 50000 per year.
- Segment 80EEA– If your property comes under the classification of reasonable housing, then you will get an income tax exception on payment of interest up to Rs 1.5 lakh per year.
Overview of the PM Gramin Awas Yojana 2022
|
Name of the Scheme |
Pradhan Mantri Gramin Awas Yojana |
|
Concerned Department name |
Ministry of Rural Development |
|
Scheme launched in |
2015 |
|
Scheme under |
Central Govt. |
|
Application Type |
Online |
|
Beneficiary |
SECC-2011 Beneficiary |
|
Purpose of the scheme |
House For all needy people |
|
Official website |
- Under this plan, the selection /assurance of the beneficiaries will be done based on parameters showing housing lack in SECC 2011 information, after which approval will be done by Gram Sabha.
- Under the PM Gramin Awas Yojana list, those recipients will be chosen instead of the BPL list as indicated by SECC 2011 information for homeless families or those residing in houses with one or two rough (kutcha) walls and rough rooftop.
- First among the eligible beneficiaries, every category of homeless families, for example, SC, ST, minority, and others will be given a need based on one or 2 rough rooms. Under this plan, priority won’t be given to the houses of multiple or 2 rooms of each such class of families having a place with Scheduled Castes, Scheduled Castes, Minorities and not.
- The applicant has not owned any house.
- The yearly income of the family should not be more than 1800000 rupees.
- The applicant is not a beneficiary of any other housing scheme.
- The priority will be given to the handicapped people and senior citizens of the country.
- The construction of the house must be done within 36 months of the first payment.
- The applicant should not be any taxpayer.
- The applicant should not be a government employee. If the applicant is a government job holder then the monthly income of the applicant must be a maximum of 10000 rupees.
- Under this scheme, the Kisan Credit Card holders will also be the beneficiaries whose limit will be a maximum of ₹ 50000.
- The applicant should not have a motorized vehicle, agricultural equipment, fishing boat, etc.
- Under this scheme, SC, ST, and minority categories people can take benefit of the scheme.
- The proof of the identification
- The proof of income
- The property document
- The business address proof
- The aadhar card and bank account details
- An affidavit stating that the applicant does not have their own house.
- NOC is issued by the housing society.
- Swachh Bharat Mission Number
- Job card numbers of the MGNREGA beneficiaries
- Salary certificate of the applicant
- The beneficiaries who want to search for their name in the Pradhan Mantri Gramin Awas Yojana 2022 list, have to follow the given steps.
- The first step is that the beneficiaries have to go through the link http://pmayg.nic.in/netiay/home.aspx on the official website of the Pradhan Mantri Gramin Awas Yojana.
- After this, on the homepage, the beneficiaries have to click on the “Stakeholders” option.
- After that, under the Stakeholders option, the beneficiaries have to click on the “IAY / PMAY-G” link.
- Once, the beneficiaries have clicked on the link, on an opened window the required details are on the computer screen.
- If the beneficiaries need to check the ‘PMAYG‘ list online by using the registration number then the beneficiaries need to give the registration number and then hit on the ‘submit’ button.
- If the beneficiaries don’t have the registration number, then the beneficiaries need to click on the “Advance Search” option.
- Now, the beneficiaries need to give all the necessary details, and then select the scheme type and click on the ‘submit’ button.
- The first step is that the beneficiaries have to go through the link http://pmayg.nic.in/netiay/home.aspx on the official website of the Pradhan Mantri Gramin Awas Yojana.
- After this, on the home page, the beneficiaries will see the “Subsidy Calculator” option and the beneficiaries need to click on this option.
- After clicking on this option, the beneficiaries are required to enter the loan amount, loan tenure, interest rate, etc to know about the subsidy amount.
- The first step is that the beneficiaries have to go through the link http://pmayg.nic.in/netiay/home.aspx on the official website of the Pradhan Mantri Gramin Awas Yojana.
- Now, on the home page of the website, the beneficiaries will see the “Google Play” option, which will be available on the top right side of the website, and the beneficiary has to hit the option.
- After this, on the newly opened page, the beneficiaries can install the Awas App.
- To check e-payment, first of all, the beneficiaries have to go through the link http://pmayg.nic.in/netiay/home.aspx on the official website of the Pradhan Mantri Gramin Awas Yojana.
- Now, on the home page, the beneficiary needs to click on the Awassoft option and then, the beneficiary will have to click on the “e-payment” option.
- After that, on the opened page, the beneficiary will be required to fill in the information as asked on the page and then, press the submit button.
- After this, a page will appear with the complete information related to PMAY-G e-Payment on the computer screen.