Pradhan Mantri Awas Yojana (PMAY) is a housing scheme that was initiated in 2015 with the promise of providing shelter to nearly 20 million Indians belonging to low-income and mid-income groups. 

Those who are eligible for this scheme can acquire a 6.5% subsidy on home loans according to the Credit Linked Subsidy Scheme (CLSS). 

Indian citizens can apply for this scheme by visiting the nearest Common Service Center managed by the state government and filling out the application form. They can submit the completed form to an authorised official by paying the charges of Rs 25 + GST. 

Eligible citizens can also apply online by logging on to the official website of PMAY and following the necessary steps to submit their application for the Pradhan Mantri Awas Yojana housing scheme.

Also Read: WHY IS OC CERTIFICATION IMPORTANT?

Eligibility Criteria For Pradhan Mantri Awas Yojana 

Before we take a look at the documents you require for the PMAY, let’s talk about the eligibility criteria for this scheme. 

Here are the applicant groups that can apply for the PMAY scheme; 

• EWS or economically weaker section earning less than Rs 3 lakhs annually
  
• Low-income groups with an annual income of up to Rs 6 lakhs
  
• Mid-income groups who have an annual income of up to Rs 12 lakhs or Rs 18 lakhs 

Nowadays, different eligibility calculators for the PMAY scheme are available online. You can simply fill in the required fields with your personal information, such as income, age, etc., and confirm your eligibility before gathering all the necessary documents.

Confirm your PMAY scheme eligibility, gather all the required documents, and double-check them for any errors or updates before submitting your Pradhan Mantri Awas Yojana housing scheme online application.

Documents Required For Pradhan Mantri Awas Yojana 

You must realise that the documents checklist for the Pradhan Mantri Awas Yojana is not a straightforward one. An eligible applicant must provide various documents as proof of their identity, address, income, and other information. 

But don’t worry, as we have divided the entire checklist into specific categories to help you develop a better understanding of the required documents and the purpose behind their submission.  

For Identity Verification: 

For starters, you have to provide the following documents to prove your identity, irrespective of the fact that you are an employee or self-employed:

• Driving licence
  
• Aadhar card
  
• Voter card
  
• ID card with photo issued by the government
  
• Passport
  
• Verified letter with photographs issued by a government official 

For Address Verification:

When it comes to submitting documents for address verification, there are slight differences between the documentation that needs to be completed by an employee and a self-employed individual. 

An employee or a salaried person has to submit the following documents:

• Electricity bill

• Notarized rent agreement

• Voter ID card

• Utility bill

• Passport

• Ration Card

• Driving licence 

• Telephone bills

• Aadhar card
  
• Property tax paid receipt

• Verified letter from a government official with a photograph

• Bank Statement from post office saving account

• Documents issued by the government department of a foreign jurisdiction or a letter issued by any foreign embassy

• Credit Card Statements

• Leave and licence agreement from employers allocating official accommodations

• Company letterhead
  
• Copy of the deal while purchasing the property

• Copy of Life Insurance Policy certificate

• Self/Family Pension payments orders Letter provided by your employer on a company letterhead
  
• Bank Statements showing your address

On the other hand, a self-employed individual has to provide the documents listed below: 

• Driving Licence
  
• Electricity bill
  
• Aadhar Card
  
• Copy of the deal while purchasing the property
  
• Verified letter from a government official with a photograph
  
• Passport
  
• Voter ID card
  
• Leave and licence agreement from employers allocating official accommodations
  
• Utility bill
  
• Telephone bills
  
• Notarized Rent Agreement
  
• Ration Card
  
• Documents issued by the government department of a foreign jurisdiction or a letter issued by any foreign embassy
  
• Property tax paid receipt
  
• Bank Statement from post office saving account
  
• Credit Card Statements
  
• Bank Statements showing your address
  
• Self/Family Pension payments orders Letter provided by your employer on a company letterhead

• Copy of Life Insurance Policy certificate

For Income Proof:

Next, the applicants are required to complete the documentation for income verification purposes. 

Salaried individuals are supposed to submit the following documents: 

• Salary slips for the last 2 months
  
• Bank statements for the last 6 months
  
• Latest Form 16/ITR
  

People who are self-employed are supposed to give the following documents for proof of income; 

• Balance sheet and income statement, also known as the profit and loss statement
  
• Statements of their current account for the last 6 months
  
• Income tax returns for the last 2 years 

Property-Related Documents 

For property-related verification, both salaried and self-employed individuals have to submit the copies of the following documents: 

• Allotment letter
  
• Receipt of payment
  
• Agreement to sale
  
• Complete chain property documents 

Now, you may also be asked to provide your marriage certificates or the death certificate of your late spouse if you are a widow. It all depends on the requirements. 

You need to submit all the updated documents to avoid rejection. Moreover, it is important to ensure that the information you provided on your PMAY application is the same as the details mentioned in your documents.

So make sure to follow this checklist before you submit your application. 

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