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Pradhan Mantri Awas Yojana (PMAY) A Customer Education Initiative by DHFL

What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Vinodji: Hello Sharmaji! How are you?

What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Sharmaji: Hello Vinodji, I am fine. Can you please tell me about Pradhan Mantri Awas Yojana? What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Vinodji: Pradhan Mantri Awas Yojana is a programme by Government of India to ensure “Housing for all by 2022’’. What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Under this, there is a Credit Linked Subsidy Scheme on home loans for properties in urban market belonging to Economically Weaker Section, Low Income Group and Middle Income Group 1 & 2 What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


It can be availed for new or resale purchase of home, What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Construction, What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


or for extension or improvement of rooms, kitchen, toilet etc., What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Sharmaji: And, who is eligible for this scheme? What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


The eligibility is dependent on the income group you fall in What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


For EWS and LIG, it is mandatory for a female to be the property owner What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


In certain exception cases, the lender may inform you What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Also, the applicant or its dependents should be a first time home buyer and should not own a pucca property at the time of availing the scheme. What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Sharmaji: So, what are the benefits and subsidy offered in this Yojana? What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Vinodji: The subsidy offered is dependent upon the loan amount and the income group you fall in. Applicants with income up to Rs. 6 Lacs, can avail a maximum subsidy of Rs 2.67 Lacs. Applicants with income up to Rs. 12 Lacs, can avail a maximum subsidy of Rs 2.35 Lacs. Applicants with income up to Rs. 18 Lacs, can avail a maximum subsidy of Rs 2.30 Lacs What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Sharmaji: Okay. And, what are the documents required for this scheme? What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Vinodji: The documents required are very basic like: KYC Documents & Photograph What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Aadhar Card is mandatory What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Salary slip or Certificate & updated bank statement for salaried applicants What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Income Tax Returns of last two years and bank statement for self employed applicants What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Self-certificate/affidavit as proof of income What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Customer declaration undertaking What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Additional Application form What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Sharmaji: Any idea how do I avail this scheme? What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Vinodji: You can visit any bank or housing finance company like DHFL and enquire about the Pradhan Mantri Awas Yojana scheme What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


Thank you Vinodji for all the guidance on Pradhan Mantri Awas Yojana.. I will call DHFL’s toll free number 1800 22 3435 right away and apply for the subsidy scheme. Jan Awas Home Loans from DHFL - www.dhfl.com/loans/home-loans/jan-awas-home-loans/


Vinodji: Definitely! What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana


What is Pradhan Mantri Awas Yojana (PMAY): http://www.dhfl.com/resources/home-loan-educational-videos/what-is-pradhan-mantri-awas-yojana

Pradhan Mantri Awas Yojana: Affordable Housing Scheme by GOI | DHFL  

Pradhan Mantri Awas Yojana Scheme, is a government initiative to offer affordable housing for all type of home requirements to ensure 'Housi...

Pradhan Mantri Awas Yojana: Affordable Housing Scheme by GOI | DHFL  

Pradhan Mantri Awas Yojana Scheme, is a government initiative to offer affordable housing for all type of home requirements to ensure 'Housi...

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