PMAY urban is a progressive operation designed by MoHUA, India for the welfare & betterment of society. Since its launch in 2015, PMAY has been running successfully to overcome urban housing shortages amongst the weaker sections, poor, less-fortunate, low- & mid-income sections. The motto behind the formulation of PMAY is to provide a home for all eligible urban families. 

Pradhan Mantri Awas Yojana Urban is referred to as PMAY-U popularly. https://pmaymis.gov.in/, the website provides you with relevant details to sign in and apply for services.  

Key Stakeholders: 

• State Level Nodal Agencies 
• Urban Local Bodies/ Implementing Agencies, 
• Central Nodal Agencies 
• Primary Lending Institutions 

Beneficiaries: 

• EWS – Economically Weaker Section 
• LIG – Lower Income Group 
• MIG – Middle Income Group 
• Slum Dwellers 

Source: https://pmaymis.gov.in/ 

Key features: 

• All-weather homes with basics including water, kitchen, electricity, and toilet. 
• Women Empowerment – Either female member house ownership or the joint name. 
• Quality life for urban poor. 
• Preferences to the special category [differently abled, aged, SCs, STs, OBC castes, Minorities, unmarried/divorced women, transgender & other weaker parts of the society. 
• Security of occupancy/tenure. 
• Sufficient physical and social infrastructure. 

Four Components of PMAY-U: 

CLSS is a scheme benefiting the low & mid-income and the weaker sections of society. Under this scheme, affordable housing plans are strategized. These low salary sections of society (categorized into different segments) can avail home loans from various institutions, banks, finance firms, etc., with lower interest rates ranging 6.5, 4 & percentage on 6, 9, and 12 lakhs. 

BLC –The Government provides Central Assistance of about 1.5 lakh per economically weaker society (EWS) house. The families belonging to the low paid category are eligible for this benefit for housing construction/enhancement. 

AHP – Under this scheme, about 1.5 Lakhs Assistance is provided from the Government for each EWS house, alliancing with the private or public sector. Along with the central assistance, the respective states and cities also offer particular state shares, affordable prices, free stamp duty, etc. 

ISSR – Under this scheme, 1 Lakh assistance is provided for qualified slum dwellers. ISSR component is executed by utilizing the land as a resource and the construction by private developers. In the scenario where a slum dweller is on privately owned land, the respective states/cities offer further Floor Space Index (FSI)/ Floor area ratio (FAR) or Transfer of Development Rights (TDR) to the landowner according to the policies. Here, the central assistance isn’t permissible. 

The loan tenure limit is 20 years. And the housing unit carpet area for EWS and LIG is 30 and 60 sq.m respectively. Similarly for the MIG -I and MIG-II up to 160 & 200 sq.m  respectively is area limit. One can track the status of their application online.

Progress under PMAY-U: So far, 

• Houses Sanctioned: 113.06 Lakh 
• Houses Grounded: 85.66 Lakh 
• Houses Completed: 50.18 Lakh 
• Central Assistance Committed: 1.82 Lakh Cr 
• Central Assistance Released: 106390 Cr 
• Overall Investment: ₹ 7.39 Lakh Cr 

Checking your application status in the CLSS tracker 

• Get into the link https://pmay-urban.gov.in/about. 
• Next, click on CLSS from the selection pane. To the extreme left, there is an option where you need to enter the application ID & click on ‘get status.’ 
• As you receive OTP on your mobile number, enter the digits. 
• The result page would be displayed wherein green shows completed and the phases in blue color indicate it is in progress. 

The PMAY site provides all the details; you can find the exact eligibility criteria under each category (EWS, LIG, MIG-I, MIG-II). There is a subsidy calculator for your convenience. You can explore the site, click through its sub-links to know more on application process & about the scheme. 

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