Under the Pradhan Mantri Awas Yojana (PMAY) 2.0, the government has set a target to construct 3 crore additional homes. Now, individuals with a monthly income of ₹15,000 are also eligible, and homes will be provided within 90 days. The online application process is simple, and a survey to identify eligible individuals will soon begin. This scheme offers a golden opportunity for the economically weaker and middle-class sections to fulfill their dream of owning a house.

About PM Awas Yojana (PMAY)
Launched by the government on June 25, 2015, the PM Awas Yojana aims to provide affordable housing to the economically weaker sections of society. The scheme has already helped millions of people achieve their dream of owning a home. In PMAY 2.0, the government has set a new target of building an additional 3 crore homes, with a budget of ₹10 lakh crore allocated for this financial year.

Eligibility Criteria Changes in PMAY 2.0
The eligibility criteria have undergone significant changes to allow more people to benefit from the scheme. Previously, only those earning up to ₹10,000 per month were eligible. Now, this limit has been raised to ₹15,000 per month, making it accessible to middle-class families as well.
Additionally, those who previously owned two-room houses, a fridge, or a two-wheeler were ineligible. However, these conditions have been relaxed under the new scheme, allowing such individuals to benefit as well. The selection process will also be more transparent, with open meetings at the village level to select eligible individuals.

Home Delivery in 90 Days
The government has announced that under PMAY 2.0, eligible individuals will be provided with their homes within 90 days. A survey to identify beneficiaries will begin soon, covering both urban and rural areas to ensure that no one is left behind.

How to Apply for PMAY?
The application process for this scheme is simple and digital. Interested individuals can apply online through the official PMAY website at pmaymis.gov.in. Here is the application process:

1. Visit the official website and select the "Citizen Assessment" menu under "Other 3 Components for Benefits."
2. Enter your Aadhaar card number and name.
3. After Aadhaar verification, the application page will open where the applicant can fill in their details.
4. Fill in all necessary information, enter the CAPTCHA, and click the "Save" button.
5. Download the application form, take a printout, and keep it safe for future reference.
6. Submit the form with required documents at the nearest Common Service Center (CSC) or bank.
7. You can track the status of your application on the website by entering the assessment ID, name, father’s name, and mobile number.

Who Can Apply?

• If only male members are present in the family, they can still apply.
• The applicant must be under 70 years of age.
• The applicant or their family members should not already own a house.
• The applicant should not have previously availed of benefits under any government housing scheme.
• The government's aim is to ensure that the ownership of the house is in the woman’s name, as a step towards economic empowerment of women.

Who Will Benefit?
The PMAY scheme categorizes beneficiaries into four groups, each receiving different levels of assistance:

1. Economically Weaker Section (EWS): This is the lowest-income category, and families in this group receive the maximum assistance under the housing scheme.
2. Low Income Group (LIG): Families in this category have slightly higher income than EWS and receive significant support as well.
3. Middle Income Group-1 (MIG-I): Families in this category earn more than LIG and receive a moderate amount of assistance.
4. Middle Income Group-2 (MIG-II): This is the highest-income category and receives comparatively lesser assistance than the other groups.

This scheme is designed to make home ownership accessible to a wide range of individuals, helping them achieve financial security and stability.