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cater one crore urban poor under the PM Awaas Yojana \u2013 Urban 2.0 and will provide central assistance of Rs.2.20 lakh crore over next five years. "}}],"updatedOn":"2024-07-23"},{"updatedOn":"2024-07-19","article":[{"data":{"text":"Affordable housing is likely to get a boost with predictions of more funding through the Pradhan Mantri Awas Yojana (PMAY) and housing loan subsidies in Budget 2025. If these plans are realized, it could boost the housing finance sector and increase investor interest in related stocks. "},"type":"paragraph"},{"data":{"text":"Since the election results were announced on June 4, housing finance companies have seen a significant increase in their stock prices. Companies like LIC Housing Finance, Can Fin Homes, HUDCO, PNB Housing Finance, Home First, Aptus Value Housing, and Aavas Financiers have seen their shares rise by 46 percent, outpacing the Nifty 50's 12% increase. "},"type":"paragraph"}],"title":"Number of houses allocated under PMAY is expected to rise "}]},"metaDescription":"Pradhan Mantri Awas Yojana - Check What is PMAY, Highlights of PMAY Scheme and Official details. Also know the Beneficiaries and Types of PMAY Schemes.","hungryForMore":[{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_70771","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"paragraph","data":{"text":"The initiative aims to provide a pucca house to all eligible urban households by 2022 in order to address the lack of urban housing among the EWS\/LIG and MIG categories, which includes those living in slums. The Union Cabinet has decided to extend <strong>PMAY(U)<\/strong> <strong>till 31 December 2024<\/strong>.  "}},{"type":"header","data":{"text":"Key Advantages of the Pradhan Mantri Awas Yojana (Urban)","level":2}},{"type":"paragraph","data":{"text":"Basic utilities including a kitchen, toilet, water supply, and electricity are provided in every house under the PMAY-U. The mission offers homeownership under the joint or sole name of a female member, thereby promoting women empowerment. "}},{"type":"paragraph","data":{"text":"Additionally, SCs, STs, OBCs, single women, transgender people, differently-abled people, senior citizens, and other vulnerable groups in society have all been given preference. The PMAY-U ensures that the beneficiaries have a sense of security and pride in their houses and live a dignified life.   "}},{"type":"header","data":{"text":"Highlights of PMAY Scheme:","level":2}},{"type":"image","data":{"title":"PM Awas Yojana","alt":"PMAY","src":"https:\/\/static.bankbazaar.com\/images\/india\/infographic\/pradhan-mantri-awas-yojana.webp","lazy":true,"float":"right"}},{"type":"list","data":{"style":"ordered","items":[{"content":"<strong>Subsidized Interest Rate -<\/strong> Enjoy a low 6.50% p.a. interest rate on housing loans for 20 years.","items":[]},{"content":"<strong>Priority for Special Groups -<\/strong> Differently-abled and senior citizens receive preferential ground floor allocations.","items":[]},{"content":"<strong>Eco-Friendly Construction -<\/strong> Sustainable and environmentally conscious technologies utilized in building.","items":[]},{"content":"<strong>Pan-India Coverage -<\/strong> The scheme spans 4041 statutory towns, with initial priority given to 500 Class I cities in 3 phases.","items":[]},{"content":"<strong>Early Credit-Linked Subsidy -<\/strong> Implementation of the credit-linked subsidy begins at the project's inception, covering all statutory towns in India.","items":[]}]}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"Official Website"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"<a href=\"https:\/\/pmaymis.gov.in\/\" target=\"_blank\" rel=\"nofollow\">https:\/\/pmaymis.gov.in\/<\/a>"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Launch Date"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"25th June 2015"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Expected Completion"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"By 31 December 2024"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Toll Free Number"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"1800-11-6163 - HUDCO 1800 11 3377, 1800 11 3388 - NHB"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Complaints or Suggestion"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"<a href=\"mailto:grievance-pmay@gov.in\" target=\"_blank\">grievance-pmay@gov.in<\/a>"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Office Address"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Pradhan Mantri Awas Yojana Ministry of Housing and Urban Affairs Nirman Bhawan, New Delhi- 110 011 Contact: 011 2306 3285, 011 2306 0484 Email: pmaymis-mhupa@gov.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"PMAY Guidelines"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"<a href=\"http:\/\/pmaymis.gov.in\/PDF\/HFA_Guidelines\/hfa_Guidelines.pdf\" target=\"_blank\" rel=\"nofollow\">Click to Download Manual<\/a>"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_70771","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Pradhan Mantri Awas Yojana Beneficiaries (PMAY) ","level":2}},{"type":"paragraph","data":{"text":"The beneficiaries under the PMAY scheme can be listed as follows:"}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"Beneficiary"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Annual Income"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Middle Income Group I (MIG I)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.6 lakh to Rs.12 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Middle Income Group I (MIG II"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.12 lakh to Rs.18 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Lower Income Group (LIG)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.3 lakh to Rs.6 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Economically Weaker Section (EWS)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to Rs.3 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_70771","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"paragraph","data":{"text":"In addition to these, people belonging to SC, ST, and OBC categories and women belonging to EWS and LIG income groups will also be eligible for the PMAY scheme."}},{"type":"paragraph","data":{"text":"<strong>Identification and Selection of Beneficiaries under PMAY<\/strong>"}},{"type":"paragraph","data":{"text":"<strong>The Pradhan Mantri Awas Yojana <\/strong><a href=\"https:\/\/www.bankbazaar.com\/home-loan\/pmay-urban.html\" target=\"_blank\">(PMAY-Urban)<\/a> - Urban schemes primarily target the housing needs of urban poor. Apart from this, the scheme also addresses the housing needs of slum residents living in narrow pockets of slums where infrastructure, sanitation and drinking water are poor. "}},{"type":"paragraph","data":{"text":"<strong>Beneficiaries of PMAY<\/strong>-U mainly include Middle Income Groups (MIGs), Low-income Groups (LIGs) and Economically Weaker Section (EWS)."}},{"type":"paragraph","data":{"text":"While the beneficiaries from the EWS category are eligible for complete assistance under the scheme, beneficiaries from LIG and LIG categories are only eligible for the <a href=\"https:\/\/www.bankbazaar.com\/home-loan\/pradhan-mantri-awas-yojna-credit-linked-subsidy-scheme.html\" target=\"_blank\">Credit Linked Subsidy Scheme (CLSS)<\/a> under PMAY."}},{"type":"paragraph","data":{"text":"In order to be recognised as a LIG or EWS beneficiary under the Scheme, the applicant is required to submit an affidavit as income proof to the authority."}},{"type":"header","data":{"text":"Key Highlights of PMAY Scheme","level":2}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"Particulars"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"EWS"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"LIG"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Eligible Housing Loan Amount"}},{"type":"paragraph","data":{"text":"for Interest Subsidy"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to Rs.6 lakh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to Rs.6 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Maximum Loan Tenure"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"20 years"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"20 years"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Discounted Rate for Calculation"}},{"type":"paragraph","data":{"text":"of Net Present Value of Interest"}},{"type":"paragraph","data":{"text":"Subsidy"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"9.00%"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"9.00%"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Dwelling Unit Carpet Area"}},{"type":"paragraph","data":{"text":"(sq.m.)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to 30 sq.m."}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to 60 sq.m."}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Duration of Scheme"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"17 June 2015 to 31 December 2024"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"17 June 2015 to 31 December 2024"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Applicability of No Pucca House"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Not for upgradation or renovation"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Woman Ownership\/Co-"}},{"type":"paragraph","data":{"text":"ownership"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Not required for an existing property. Compulsory for a new acquisition."}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Amount Paid in Lump Payment"}},{"type":"paragraph","data":{"text":"for Each Sanctioned Housing"}},{"type":"paragraph","data":{"text":"Loan application"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.3,000"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.3,000"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Quality of Flat\/House"}},{"type":"paragraph","data":{"text":"Construction"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"BIS Codes, National Building Code, and according to the NDMA Guidelines adopted"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Approvals for the Building"}},{"type":"paragraph","data":{"text":"Design"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Basic Civic Infrastructure (water,"}},{"type":"paragraph","data":{"text":"electricity, sanitation, sewerage,"}},{"type":"paragraph","data":{"text":"road etc.)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Maximum Interest Subsidy"}},{"type":"paragraph","data":{"text":"Amount"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.2,67,280"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.2,67,280"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_70771","linkText":"Know your Credit Score for Free"}},{"type":"header","data":{"text":"Key Parameters of PMAY","level":2}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Particulars<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"<strong>MIG I<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"<strong>MIG II<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Eligible Housing Loan Amount"}},{"type":"paragraph","data":{"text":"for Interest Subsidy"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to Rs.9 lakh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to Rs.12 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Maximum Loan Tenure"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"20 years"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"20 years"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Dwelling Unit Carpet Area"}},{"type":"paragraph","data":{"text":"(sq.m.)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"160 sq.m."}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"200 sq.m"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Maximum Interest Subsidy Amount"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.2,35,068"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.2,30,156"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Lump Sum Amount Paid for"}},{"type":"paragraph","data":{"text":"Each Sanctioned Housing Loan"}},{"type":"paragraph","data":{"text":"Application Instead of"}},{"type":"paragraph","data":{"text":"processing fee"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.2,000"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.2,000"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Discounted Rate for Calculation"}},{"type":"paragraph","data":{"text":"of Net Present Value of Interest"}},{"type":"paragraph","data":{"text":"Subsidy"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"9.00%"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"9.00%"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Duration of Scheme"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"1 January 2017 to 31 December 2024"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"1 January 2017 to 31 December 2024"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Woman Ownership\/Co-"}},{"type":"paragraph","data":{"text":"ownership"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Not compulsory"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Not compulsory"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Applicability of No Pucca House"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Yes"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Yes"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Approvals for the Building"}},{"type":"paragraph","data":{"text":"Design"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Quality of House\/Flat"}},{"type":"paragraph","data":{"text":"Construction"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"BIS Codes, National Building Code, and according to the NDMA Guidelines adopted"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Basic Civic Infrastructure (water,"}},{"type":"paragraph","data":{"text":"road, sanitation, sewerage,"}},{"type":"paragraph","data":{"text":"electricity etc.)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mandatory"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Income Proof to Claim Subsidy"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Self-Declaration"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Self-Declaration"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Identity Proof"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Aadhaar Card Number"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Aadhaar Card Number"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"header","data":{"text":"Types of PMAY Scheme","level":2}},{"type":"paragraph","data":{"text":"There are two sub-sections of the PMAY scheme which are divided on the basis of the area on which they focus: "}},{"type":"paragraph","data":{"text":"<strong>Pradhan Mantri Awas Yojana Gramin<\/strong> - The<a href=\"\/home-loan\/pradhan-mantri-awas-yojana-gramin.html\" target=\"_blank\"> Pradhan Mantri Awas Yojana \u2013 Gramin (PMAY-G)<\/a> was previously known as the Indira Awas Yojana and was christened as PMAY-G in 2016. The scheme is aimed at the provision of affordable and accessible housing units to eligible beneficiaries in rural regions of India (excluding Chandigarh and Delhi)."}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_70771","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"paragraph","data":{"text":"Under this scheme, the Government of India and the respective state governments share the cost of development of housing units in the ratio of 60:40 for plain regions and 90:10 for North-Eastern and hilly regions. "}},{"type":"paragraph","data":{"text":"<strong>Pradhan Mantri Awas Yojana Urban<\/strong> - The <a href=\"\/home-loan\/pmay-urban.html\" target=\"_blank\">Pradhan Mantri Awas Yojana \u2013 Urban (PMAYU<\/a>), as the name suggests, is focussed towards the urban areas in India. At present, there 4,331 towns and cities which are enlisted under this scheme. The scheme is set to function under three different phases:"}},{"type":"paragraph","data":{"text":"<strong>Phase 1:<\/strong> Under Phase 1, the government targeted to cover 100 cities in different states and UTs across the country from April 2015 to March 2017."}},{"type":"paragraph","data":{"text":"<strong>Phase 2:<\/strong> Under Phase 2, the government targeted to cover 200 more cities in different states and UTs across the country from April 2017 to March 2019."}},{"type":"paragraph","data":{"text":"<strong>Phase 3:<\/strong> Under Phase 3, the government targeted to cover the cities which have been left out in Phase 1 and Phase 2 and attain the target by the end of December 2024."}},{"type":"header","data":{"text":"PMAY Interest Subsidy","level":2}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"<strong>Particulars<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"<strong>Interest Subsidy<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"<strong>Maximum Loan for Subsidy<\/strong>"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"EWS"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"6.50% p.a."}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.6 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"LIG"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"6.50% p.a."}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.6 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"MIG -1"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"4.00% p.a."}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.9 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"MIG-2"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"3.00% p.a."}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs.12 lakh"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"header","data":{"text":"Pradhan Mantri Awas Yojana (PMAY) Subsidy Calculator","level":3}},{"type":"paragraph","data":{"text":"<strong>Pradhan Mantri Awas Yojana (PMAY)<\/strong> scheme aims to simplify the process of purchasing a home for the urban poor and weaker sections of society through EMIs at reasonable rates of interest. The rate of interest is comparatively much lesser than commercial rates, thus offering people subsidised loans."}},{"type":"paragraph","data":{"text":"To calculate the <a href=\"https:\/\/www.bankbazaar.com\/home-loan\/emi-calculator.html\" target=\"_blank\">EMI<\/a>, log on to the Pradhan Mantri Awas Yojana website and fill in the following details: <a href=\"http:\/\/pmaymis.gov.in\/EMI_Calculator.aspx\" target=\"_blank\" rel=\"nofollow\">http:\/\/pmaymis.gov.in\/EMI_Calculator.aspx<\/a>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The total loan amount in rupees","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The rate of interest","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The total loan period in months","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Once the following details are submitted, click on the \u2018Calculate\u2019 option. This will give you the monthly installment or EMI payable in rupees. ","items":[]}]}},{"type":"header","data":{"text":"How to Get PMAY Interest Subsidy? ","level":3}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/home-loan.html\" target=\"_blank\">Apply for a home loan<\/a> from any listed lending institution asking for subsidy.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The lending institution will review your application and you are eligible, your application will be sent to the Central Nodal Agency.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Upon verification, if your application is approved and no discrepancies are found, the Central Nodal Agency will disburse the subsidy amount to the lending institution.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"This amount will be credited to your account by the lending institution which will lower your total loan amount.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"You can continue paying the EMIs towards the balance loan amount.","items":[]}]}},{"type":"header","data":{"text":"How to transfer PMAY Subsidy to the Borrower's Bank?","level":3}},{"type":"paragraph","data":{"text":"The bank from where the individual is taking the loan will claim the subsidy benefit for the eligible applicants from the National Housing Bank (NHB). The National Housing Bank will then check to investigate whether anyone is making multiple applications under the scheme. "}},{"type":"paragraph","data":{"text":"Once confirmed, the CLSS or subsidy amount will be given to the borrower's Bank. Once the amount is received, the money will be credited directly to the Loan Account."}},{"type":"cta","data":{"link":"\/home-loan\/subsidy-on-home-loan.html","prefix":"Check","linkText":"Understand Subsidy on Home Loan"}},{"type":"header","data":{"text":"PMAY Loan Eligibility","level":2}},{"type":"paragraph","data":{"text":"The PMAY beneficiaries will be selected on the basis of the \u2018The Socio economic and caste Census 2011\u2019. The government will consult the panchayat and the tehsil before finalising the PMAY beneficiaries list. This will be done to ensure transparency in the project and to ensure that only the right people get the housing. "}},{"type":"paragraph","data":{"text":" <strong>Learn more about the<\/strong> <a href=\"https:\/\/www.bankbazaar.com\/home-loan\/pradhan-mantri-awas-yojana-eligibility-criteria.html\" target=\"_blank\">PMAY Eligibility<\/a>.  "}},{"type":"header","data":{"text":"How to Apply for the PM Awas Yojana Online? ","level":2}},{"type":"paragraph","data":{"text":"You can <a href=\"https:\/\/www.bankbazaar.com\/home-loan\/how-to-apply-pradhan-mantri-awas-yojana.html\" target=\"_blank\">apply for PM Awas Yojana (PMAY)<\/a> through the PMAY portal. The PMAY application process is very straightforward and easy to use. All you need to do is enter your Aadhaar number. Follow the on-screen instructions and complete and submit the PMAY application form. "}},{"type":"image","data":{"float":"no-float","lazy":true,"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_70771","src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg","alt":"Check Free credit Score Now","width":230,"height":50,"title":"Check Free credit Score Now"}},{"type":"header","data":{"text":"Urban PMAY ","level":3}},{"type":"paragraph","data":{"text":"<strong>Step 1 -<\/strong> Visit the official PMAY portal. "}},{"type":"paragraph","data":{"text":"<strong>Step 2 - <\/strong> Click on the \u2018Citizen Assessment\u2019 option or the \u2018Apply Online\u2019 option. "}},{"type":"paragraph","data":{"text":"<strong>Step 3 -<\/strong> Depending on your income group choose EWS\/LIG\/MIG. "}},{"type":"paragraph","data":{"text":"<strong>Step 4 - <\/strong>Enter all the requested details such as your personal information, Aadhaar number, income details, etc.  "}},{"type":"paragraph","data":{"text":"<strong>Step 5 -<\/strong> Submit your application. "}},{"type":"paragraph","data":{"text":"Your application will be verified by the concerned authority. You can visit the PMAY portal to track the status of your application.  "}},{"type":"header","data":{"text":"Rural PMAY ","level":3}},{"type":"paragraph","data":{"text":"<strong>Step 1 -<\/strong> Visit the official website of PMAY Gramin. "}},{"type":"paragraph","data":{"text":"<strong>Step 2 -<\/strong> On the main page, click on the \u2018IAY\/PMAYG\u2019 option. "}},{"type":"paragraph","data":{"text":"<strong>Step 3 -<\/strong> Enter all the requested details such as your personal information, Aadhaar number, and bank account details. "}},{"type":"paragraph","data":{"text":"<strong>Step 4 -<\/strong> Submit your application. "}},{"type":"paragraph","data":{"text":"Your application will be verified by the concerned authority. You can visit the PMAY portal to track the status of your application. "}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_70771","linkText":"Know your Credit Score for Free"}},{"type":"header","data":{"text":"How to check PMAY Application Status? ","level":3}},{"type":"paragraph","data":{"text":"To check the status of your PMAY application, you can simply log in to the official portal of <strong>Pradhan Mantri Awas Yojana <\/strong>at <strong>https:\/\/pmaymis.gov.in<\/strong>. After that, you can just navigate to the tracking option and follow the on-screen directions to check the status of your application."}},{"type":"paragraph","data":{"text":"<strong>How to Edit Your Details After Submitting Application for PMAY<\/strong>"}},{"type":"list","data":{"style":"ordered","items":[{"content":"Visit the official website of Pradhan Mantri Awas Yojana","items":[]},{"content":"Enter your application reference number and your Aadhaar details","items":[]},{"content":"Click on the \u201C<strong>Edit<\/strong>\u201D option","items":[]},{"content":"You will now be allowed to edit your application details","items":[]},{"content":"  PMAY Resource: PMAY Online Application Form","items":[]}]}},{"type":"header","data":{"text":"Phases of Pradhan Mantri Awas Yojana (PMAY)","level":3}},{"type":"paragraph","data":{"text":"<strong>The PMAY Scheme will be executed in three phases. Refer to the table below for more details:<\/strong>"}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"Stage"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Phase 1"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Phase 2"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Phase 3"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Start date"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"04\/01\/15"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"04\/01\/17"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"04\/01\/19"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"End date"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"03\/01\/17"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"03\/01\/19"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"03\/01\/22"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Cities covered"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"100"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"200"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Remaining cities"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"paragraph","data":{"text":"<strong>PMAY Functions of Technology Sub-Mission<\/strong>"}},{"type":"paragraph","data":{"text":"PM Awas Yojana Technology Sub Mission will cover following:"}},{"type":"list","data":{"style":"ordered","items":[{"content":"Better Habitat Designing & Planning of the Buildings ","items":[]},{"content":"Planning to Develop Environment Friendly Houses","items":[]},{"content":"Best Construction Practices","items":[]},{"content":"Arranging the Most Innovative Technologies","items":[]},{"content":"Picking the Most Suitable Materials","items":[]}]}},{"type":"header","data":{"text":"PMAY Customer Care Helpline Numbers","level":3}},{"type":"paragraph","data":{"text":"In case of any queries relating to the application process, interest rates and any other scheme related queries, customers can contact the toll free helpline number:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"1800-11-6163 (Urban, HUDCO)","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"1800-11-3388 (Urban,NHB)","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"1800-11-3377 (Urban,NHB)","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"1800-11-6446 (Gramin)","items":[]}]}},{"type":"paragraph","data":{"text":"Those facing any issues related to the application process can contact the above<strong> toll-free numbers<\/strong> according to the locations."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_70771&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_70771","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"List of State Level Nodal Agencies for PMAY (U)","level":3}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"State\/UT"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Organisation Name"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Address and Email"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Andaman and Nicobar Islands"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Union Territory of Andaman and Nicobar Islands"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Municipal Council, Port Blair \u2013 744101 Email: jspwdud@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Andhra Pradesh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Andhra Pradesh State Housing Corporation Limited"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Andhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad \u2013 500029 Email: apshcl.ed@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Andhra Pradesh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Andhra Pradesh Township Infrastructure Development Corporation Limited"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Flat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada \u2013 520004 Email: aptsidco@gmail.com, mdswachchandhra@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Arunachal Pradesh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Arunachal Pradesh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Department of Urban Development and Housing, Mob-II, Itanagar Email: chiefengineercumdir2009@yahoo.com, cecumdirector@udarunachal.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Assam"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Assam"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Block A, Room no. 219, Assam Secretariat, Dispur, Guwahati \u2013 781006 Email: directorcpassam@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Bihar"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Bihar"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Urban Development and Housing Department, Vikas Bhawan, Bailey road, New Secretariat, Patna, Bihar \u2013 15 Email: sltcraybihar@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Chandigarh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Chandigarh Housing Board"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Sector 9-D, Chandigarh \u2013 160017 Email: chb_chd@yahoo.com, infor@chb.co.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Chhattisgarh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Chhattisgarh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Mahanadi Bhawan Mantralaya, Room No. S-1\/4, Naya Raipur, Chhattisgarh Email: pmay.cg@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Dadra and Nagar Haveli, and"}},{"type":"paragraph","data":{"text":"Daman and Diu"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Union Territory of Dadra and Nagar Haveli, and Daman and Diu"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Secretariat, Silvassa \u2013 396220 Email: devcom-dd@nic.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Dadra and Nagar Haveli"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Union Territory of Dadra and Nagar Haveli"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Secretariat, Silvassa \u2013 396220 Email: pp_parmar@yahoo.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Goa"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Goa"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"GSUDA, 6th Floor, Shram Shakti Bhavan, Patto \u2013 Panaji "}},{"type":"paragraph","data":{"text":"Email: gsuda.gsuda@yahoo.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Gujarat"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Gujarat"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Affordable Housing Mission, New Sachivalaya, Block No. 14\/7, 7th floor, Gandhinagar \u2013 382010 Email: gujarat.ahm@gmail.com, mis.ahm2014@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Haryana"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"State Urban Development Agency"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Bays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana \u2013 134112 Email: suda.haryana@yahoo.co.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Himachal Pradesh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Directorate of Urban Development"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Palika Bhawan, Talland, Shimla "}},{"type":"paragraph","data":{"text":"Email: ud-hp@nic.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Jammu and Kashmir"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Jammu and Kashmir Housing Board"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Email: Jkhousingboard@yahoo.com, raysltcjkhb@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Jharkhand"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Urban Development Department"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand \u2013 834004 Email: jhsltcray@gmail.com, director.ma.goj@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Kerala"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"State Poverty Eradication Mission"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"TRIDA Building, Jn. Medical College, PO Thiruvananthapuram "}},{"type":"paragraph","data":{"text":"Email: uhmkerala@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Madhya Pradesh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Urban Administration and Development, GoMP"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Palika Bhawan, Shivaji Nagar, Bhopal \u2013 462016 Email: addlcommuad@mpurban.gov.in, mohit.bundas@mpurban.gov.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Maharashtra"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Maharashtra"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai \u2013 400051 Email: mhdirhfa@gmail.com, cemhadapmay@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Manipur"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Manipur"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal \u2013 795001 Email: hfamanipur@gmail.com, tpmanipur@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Meghalaya"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Meghalaya"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Town Planning Department, Government of Manipur,"}},{"type":"paragraph","data":{"text":"Directorate Complex, North AOC, Imphal \u2013 795001 Email: hfamanipur@gmail.com, tpmanipur@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Mizoram"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Urban Development & Poverty Alleviation, Government of Mizoram"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram \u2013 796005 Email: hvlzara@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Nagaland"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Nagaland"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Municipal Affairs cell, A.G. Colony, Kohima \u2013 797001 Email: zanbe07@yahoo.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Odisha"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Housing and Urban Development (H&UD) Department"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"1st Floor, State Secretariat, Annex - B, Bhubaneswar \u2013 751001 Email: ouhmodisha@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Puducherry"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Puducherry"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Town & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry \u2013 605005 Email: tcppondy@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Punjab"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Punjab Urban Development Authority"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"PUDA Bhawan, Sector 62, SAS Nagar, Mohali, Punjab Email: office@puda.gov.in, ca@puda.gov.in"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Rajasthan"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"4-SA-24, Jawahar Nagar, Jaipur, Rajasthan Email: hfarajasthan2015@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Sikkim"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Sikkim"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Department of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok \u2013 737102 Email: gurungdinker@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Tamil Nadu"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Tamil Nadu"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Tamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu \u2013 600005 Email: raytnscb@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Telangana"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Telangana"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Commissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, Hyderabad Email: tsmepma@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Tripura"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Tripura"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Directorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor,"}},{"type":"paragraph","data":{"text":"Khadya Bhawan, Agartala \u2013 799006 Email: sipmiutripura@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Uttarakhand"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Directorate of Urban Development"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"State Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, Dehradun Email: pmayurbanuk@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Karnataka"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Government of Karnataka"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore \u2013 560001 Email: dmaray2012@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"West Bengal"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"State Urban Development Authority"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"ILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata \u2013 700106 Email: wbsuda.hfa@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Uttar Pradesh"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"State Urban Development Agency (SUDA)"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Navchetana Kendra, 10, Ashok Marg, Lucknow \u2013 226002 Email: hfaup1@gmail.com"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"header","data":{"text":"Top 10 Banks offering Home Loans Under PMAY Scheme","level":3}},{"type":"paragraph","data":{"text":"Top 10 banks in India which offer loans under the PMAY scheme are listed below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/bank-of-baroda-home-loan.html\" target=\"_blank\">Bank of Baroda<\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/sbi-home-loan.html\" target=\"_blank\">State Bank of India<\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/axis-home-loan.html\" target=\"_blank\">Axis Bank <\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/home-loan\/idfc-bank-home-loan.html\" target=\"_blank\">IDFC First Bank <\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/bandhan-bank-home-loan.html\" target=\"_blank\">Bandhan Bank <\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/bank-of-india-home-loan.html\" target=\"_blank\">Bank of India <\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/hdfc-home-loan.html\" target=\"_blank\">HDFC Bank <\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/idbi-home-loan.html\" target=\"_blank\">IDBI Bank <\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/punjab-national-bank-home-loan.html\" target=\"_blank\">Punjab National Bank <\/a>","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"<a href=\"\/canara-bank-home-loan.html\" target=\"_blank\">Canara Bank<\/a>","items":[]}]}}],"topContent":[{"type":"paragraph","data":{"text":" The Ministry of Housing and Urban Affairs (MoHUA) introduced the <strong>Pradhan Mantri Awas Yojana<\/strong> \u2013 <strong>Urban (PMAY-U)<\/strong> on 25 June 2015.  "}}],"metaTitle":" Pradhan Mantri Awas Yojana (Urban) 2024","hideUserReviews":true,"interLinks":{"asLeftNav":false,"items":[{"title":"Home Loans by Banks","items":[{"title":"SBI Home Loan","link":"\/sbi-home-loan.html","text":"SBI Home Loan"},{"title":"Axis Home Loan","link":"\/axis-home-loan.html","text":"Axis Home Loan"},{"title":"HDFC Home Loan","link":"\/hdfc-home-loan.html","text":"HDFC Home Loan"},{"title":"Canara Home Loan","link":"\/canara-bank-home-loan.html","text":"Canara Home Loan"},{"title":"PNB Home Loan","link":"\/punjab-national-bank-home-loan.html","text":"PNB Home Loan"},{"title":"IDBI Home Loan","link":"\/idbi-home-loan.html","text":"IDBI Home Loan"},{"title":"Kotak Home Loan","link":"\/kotak-home-loan.html","text":"Kotak Home Loan"},{"title":"IOB Home Loan","link":"\/iob-home-loan.html","text":"IOB Home Loan"},{"title":"YES Bank Home Loan","link":"\/yes-bank-home-loan.html","text":"YES Bank Home Loan"}]},{"title":"Home Loans by 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Articles","items":[{"title":"Top Housing Finance Companies In India","link":"\/home-loan\/top-housing-finance-companies-in-india.html","text":"Top Housing Finance Companies In India"},{"title":"Types Of Bank Loans In India","link":"\/home-loan\/different-types-of-bank-loans-in-india.html","text":"Types of Bank Loans In India"},{"title":"What is Home Loan Process","link":"\/home-loan-procedure.html","text":"What is Home Loan Process"},{"title":"What is Home Loan Provisional Certificate","link":"\/home-loan\/home-loan-provisional-certificate.html","text":"What is Home Loan Provisional Certificate"},{"title":"What is Benami Property","link":"\/home-loan\/benami-property-act.html","text":"What is Benami Property"},{"title":"What is Commercial Property Loan","link":"\/home-loan\/commercial-property-loan.html","text":"What is Commercial Property Loan"},{"title":"Partition Deed of Ancestral Property","link":"https:\/\/www.bankbazaar.com\/home-loan\/partition-deed-of-ancestral-property.html","text":"Partition Deed of Ancestral Property"},{"title":"Home Loan Tips","link":"\/home-loan-tips.html","text":"Home Loan Tips"},{"title":"Reasons For Home Loan Rejection","link":"\/reasons-for-home-loan-rejection.html","text":"Reasons For Home Loan Rejection"}]},{"title":"Home Loan Resources","expand":true,"items":[{"link":"\/home-loan-interest-rate.html","title":"Home Loan Interest Rate","text":"Home Loan Interest Rate"},{"link":"\/home-loan\/repo-rate.html","title":"Repo Rates","text":"Repo Rates"},{"link":"\/home-loan\/mclr.html","title":"MCLR Rates","text":"MCLR Rates"},{"link":"\/home-loan\/home-loan-processing-fee.html","title":"Home Loan Processing Fee","text":"Home Loan Processing Fee"},{"link":"\/home-loan\/documents-required-for-home-loan.html","title":"Home Loan Documents Required","text":"Home Loan Documents Required"},{"link":"\/home-loan\/plot-loan.html","title":"Compare Plot Loan","text":"Compare Plot Loan"},{"link":"\/tax-benefit-on-home-loan.html","title":"Home Loan Tax Benefits","text":"Home Loan Tax Benefits"},{"link":"\/home-loan\/home-renovation-loan.html","title":"Home Renovation Loan","text":"Home Renovation Loan"}]},{"title":"Schemes and Acts","expand":true,"items":[{"link":"\/home-loan\/pradhan-mantri-awas-yojana.html","title":"Pradhan Mantri Awas Yojana","text":"Pradhan Mantri Awas Yojana"},{"link":"\/home-loan\/pradhan-mantri-awas-yojana-gramin.html","title":"PMAY Gramin","text":"PMAY Gramin"},{"link":"\/home-loan\/pmay-urban.html","title":"PMAY Urban","text":"PMAY Urban"},{"link":"\/home-loan\/rera-act.html","title":"RERA Act","text":"RERA Act"},{"link":"\/home-loan\/property-registration-fees-and-stamp-duty-charges.html","title":"Stamp Duty Charges","text":"Stamp Duty Charges"},{"link":"\/home-loan\/encumbrance-certificate.html","title":"Encumbrance Certificate","text":"Encumbrance Certificate"},{"link":"\/home-loan\/dda-housing-scheme.html","title":"DDA Housing Scheme","text":"DDA Housing Scheme"},{"link":"\/home-loan\/land-record.html","title":"Land Records","text":"Land Records"}]}]},"id":70771,"showUpdatedOn":false,"hideOfferTable":true,"breadCrumb":{"otherLinks":[{"text":"Home Loan","link":"\/home-loan.html"}],"currentPageText":"PMAY"},"faqs":{"title":"FAQs on Pradhan Mantri Awas Yojana \u2013 Urban 2024","items":[{"question":"How much time does it take to get the subsidy amount from PMAY?","answer":[{"type":"paragraph","data":{"text":"It usually takes around 3 to 4 months for the subsidy amount from PMAY to be credited to the beneficiary. This is subject to the verification process of the government."}}]},{"question":"How to get the Assessment ID for PMAY?","answer":[{"type":"paragraph","data":{"text":"The Assessment ID for PMAY is generated by the PMAY portal after an applicant successfully completes the registration process. This ID can be used to track the status of the application as well."}}]},{"question":"If I am a woman can I apply for this scheme?","answer":[{"type":"paragraph","data":{"text":"Yes, this scheme gives priority to women who are running a family within the lower income groups. However, if your husband, father or any other family member that you reside with has applied, your application will be rejected."}}]},{"question":"I am a senior citizen and fall under the local income groups? While the PMAY scheme seems financially viable, as an elderly person I would prefer a housing in the Ground Floor. What should I do?","answer":[{"type":"paragraph","data":{"text":"You simply need to apply as a senior citizen, since all senior citizens are provided the priority for having access to Ground floor housing. However, ensure that you apply early since the priorities among senior citizens for ground floor is also shared with differently abled beneficiaries as well."}}]},{"question":"How long will the PMAY project last?","answer":[{"type":"paragraph","data":{"text":"The PMAY project is supposed to last until 2024. But this is the date, which ensures that all the regions in India have beneficiaries, who can avail the scheme. The construction and ultimately the beneficiaries moving in may take longer."}}]},{"question":"What is the maximum annual income should I have to be eligible for PMAY?","answer":[{"data":{"text":"Your annual income should not be more than Rs. 18 lakh. However, there are no lower limits for the PMAY income requirement."},"type":"paragraph"}]},{"question":"What is a Central Nodal Agency when we are talking about PMAY?","answer":[{"data":{"text":"These are basically nodal agencies that are identified by the Ministry or Government to function as bodies which implement the Credit linked subsidy."},"type":"paragraph"}]},{"question":"What does one mean, by carpet area in lieu with Pradhan Mantri Awas Yojana?","answer":[{"type":"paragraph","data":{"text":"Area enclosed within the walls, actual area to lay the carpet. This area does not include the thickness of the inner walls."}}]},{"question":"What is TDR or Transfer of Development Rights?","answer":[{"type":"paragraph","data":{"text":"This term simply ensures the availability of a particular amount that is additional on the built up with respect to the surrendered or relinquished area of land which allows the owner to use an added built-up area for himself\/herself in some other land."}}]},{"question":"Can I apply if I do not have an Aadhaar Card?","answer":[{"type":"paragraph","data":{"text":"In order to apply online, it is mandatory for all citizens to have an Aadhaar Card. It is advised to get your Aadhar Number from the nearest Common Service Centers (CSC) as soon as possible."}}]},{"question":"Do I have to pay for the registration?","answer":[{"type":"paragraph","data":{"text":"You will only have to pay an application fee of Rs.25 plus service tax at the Common Service Centres. However, there are no charges levied if you are applying online."}}]}]},"h1Title":"Pradhan Mantri Awas Yojana - Urban - PMAY(U)","metaKeyword":"PMAY-U, PMAY Scheme, pradhan mantri awas yojana","updatedOn":"28 Nov 2024","hideEligForm":true}; var staticOfferFeaturesJson = []; var personalizedOffersJson = {}; var commodityJSON = {}; var footerJson = {"learnMore":[{"label":"Credit Cards","link":"https:\/\/blog.bankbazaar.com\/category\/credit-cards\/"},{"label":"Credit Card Offers","link":"https:\/\/blog.bankbazaar.com\/yes-bank-bankbazaar-finbooster-credit-card\/"},{"label":"Investments","link":"https:\/\/blog.bankbazaar.com\/category\/investment\/"},{"label":"Money Management","link":"https:\/\/blog.bankbazaar.com\/category\/money-management\/"}],"others":[{"label":"Car Loan","link":"\/car-loan.html"},{"label":"Income Tax","link":"\/tax.html"},{"label":"Bank IFSC Code","link":"\/ifsc-code.html"},{"label":"Gold Rate","link":"\/gold-rate-india.html"},{"label":"Indian Holidays","link":"\/indian-holiday-calendar.html"},{"label":"Visa","link":"\/visa.html"}],"exploreMore":[{"label":"Credit Cards","link":"\/credit-card.html"},{"label":"Insurance","link":"\/insurance.html"},{"label":"Saving Schemes","link":"\/saving-schemes.html"},{"label":"Aspiration Index 2023","link":"\/aspiration-index-2023.html"}],"collections":[{"label":"Credit Card","links":[{"label":"Compare Credit Cards","link":"\/credit-card.html"},{"label":"YES BANK BankBazaar FinBooster Credit Card","link":"\/credit-card\/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html"},{"label":"RBL Bank BankBazaar SaveMax Credit Card","link":"\/credit-card\/rbl-bank-bankbazaar-savemax-credit-card.html"},{"label":"SBI Credit Card","link":"\/sbi-credit-card.html"},{"label":"Lifetime Free Credit Card","link":"\/credit-card\/credit-cards-without-annual-fee-charges-in-india.html"},{"label":"Top 10 Credit Cards","link":"\/credit-card\/top-10-credit-cards-in-india.html"},{"label":"Co-Branded Credit Cards","link":"\/credit-card\/best-co-branded-credit-cards-in-india.html"}]},{"label":"Credit Score","links":[{"label":"Credit Score","link":"\/credit-score.html"},{"label":"Experian","link":"\/experian.html"},{"label":"CIBIL Score","link":"\/cibil\/cibil-credit-score.html"},{"label":"CIBIL Report","link":"\/cibil\/cibil-credit-report.html"},{"label":"CIBIL Score Calculation","link":"\/cibil\/cibil-score-calculation.html"},{"label":"How to Improve Credit Score","link":"\/cibil\/how-to-improve-cibil-credit-score.html"},{"label":"How to Monitor Credit Score","link":"\/cibil\/credit-monitoring.html"}]},{"label":"Personal Loan","links":[{"label":"Compare Personal Loans","link":"\/personal-loan.html"},{"label":"SBI Personal Loan","link":"\/sbi-personal-loan.html"},{"label":"HDFC Personal Loan","link":"\/hdfc-personal-loan.html"},{"label":"Axis Personal Loan","link":"\/axis-personal-loan.html"},{"label":"Personal Loan Eligibility","link":"\/personal-loan-eligibility.html"},{"label":"Personal Loan Interest Rates","link":"\/personal-loan-interest-rate.html"},{"label":"Instant Loans","link":"\/personal-loan\/instant-loans.html"}]},{"label":"Home Loan","links":[{"label":"Compare Home Loans","link":"\/home-loan.html"},{"label":"SBI Home Loan","link":"\/sbi-home-loan.html"},{"label":"HDFC Home Loan","link":"\/hdfc-home-loan.html"},{"label":"Axis Home Loan","link":"\/axis-home-loan.html"},{"label":"Home Loan Interest Rates","link":"\/home-loan-interest-rate.html"},{"label":"Home Loan Eligibility","link":"\/home-loan-eligibility.html"},{"label":"Current Repo Rate 2023","link":"\/home-loan\/repo-rate.html"}]},{"label":"Fixed Deposit","links":[{"label":"SBI Fixed Deposit","link":"\/fixed-deposit\/sbi-fixed-deposit.html"},{"label":"HDFC Fixed Deposit","link":"\/fixed-deposit\/hdfc-fixed-deposit.html"},{"label":"Axis Fixed Deposit","link":"\/fixed-deposit\/axis-fixed-deposit.html"},{"label":"Post Office Fixed Deposit","link":"\/fixed-deposit\/post-office-fixed-deposit-rate.html"},{"label":"Senior Citizen Fixed Deposit","link":"\/fixed-deposit\/senior-citizen-fixed-deposit.html"},{"label":"5 Years FD Interest Rates","link":"\/fixed-deposit\/5years-fd-interest-rates.html"},{"label":"Monthly Income FD Schemes","link":"\/fixed-deposit\/monthly-income-scheme.html"}]},{"label":"Calculator","links":[{"label":"All Finance Calculators","link":"\/calculators.html"},{"label":"Home Loan Calculator","link":"\/home-loan\/emi-calculator.html"},{"label":"Personal Loan EMI Calculator","link":"\/personal-loan\/emi-calculator.html"},{"label":"Car Loan EMI Calculator","link":"\/car-loan\/emi-calculator.html"},{"label":"FD Calculator","link":"\/fixed-deposit\/fd-calculator.html"},{"label":"RD Calculator","link":"\/recurring-deposit\/rd-interest-calculator.html"},{"label":"EMI Calculator","link":"\/finance-tools\/emi-calculator.html"}]}]}; 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