Check Awas Yojana Loan details under Pradhan Mantri Awas Yojana (PMAY). Know eligibility, subsidy benefits, interest rates, required documents, and step-by-step process to apply for Awas Yojana Home Loan 2025.
Introduction
Ghar kharidna har ek Indian parivaar ka sapna hota hai, lekin badhte property rates ke wajah se ye sapna adhoora reh jata hai. Is problem ko solve karne ke liye Government of India ne Pradhan Mantri Awas Yojana (PMAY) launch kiya jisme eligible families ko Awas Yojana Loan ke through ghar kharidne ya banane ke liye sasti EMI aur subsidy ka benefit milta hai.
Is blog me hum detail me samjhenge – Awas Yojana Loan kya hai, kaun le sakta hai, subsidy kitni milegi, aur apply kaise karna hai.
🔎 What is Awas Yojana Loan?
Awas Yojana Loan ek government-backed home loan subsidy scheme hai jo Pradhan Mantri Awas Yojana – Housing for All (Urban & Rural) ke under chalta hai.
Is scheme me government eligible borrowers ko up to 6.5% interest subsidy deti hai jisse loan ki EMI bahut kam ho jaati hai. Ye subsidy directly bank/financial institution ke through adjust ki jaati hai.
✅ Benefits of Awas Yojana Loan
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🏠 Subsidy up to ₹2.67 lakh on home loan
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📉 Interest rate subsidy up to 6.5%
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⏳ Repayment tenure up to 20 years
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👨👩👧 Applicable for EWS (Economically Weaker Section), LIG (Low Income Group), MIG (Middle Income Group)
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🏗️ Loan available for new construction, home purchase, extension, or improvement
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🌍 Available across urban & rural areas through multiple banks, housing finance companies, NBFCs
👨👩👧 Eligibility Criteria for Awas Yojana Loan
Government ne alag-alag income categories ke liye alag subsidy benefits define kiye hain:
| Category | Annual Household Income | Subsidy | Loan Tenure | Max Subsidy Amount |
|---|---|---|---|---|
| EWS (Economically Weaker Section) | Up to ₹3 lakh | 6.5% | 20 years | ₹2.67 lakh |
| LIG (Low Income Group) | ₹3 – ₹6 lakh | 6.5% | 20 years | ₹2.67 lakh |
| MIG-I (Middle Income Group I) | ₹6 – ₹12 lakh | 4% | 20 years | ₹2.35 lakh |
| MIG-II (Middle Income Group II) | ₹12 – ₹18 lakh | 3% | 20 years | ₹2.30 lakh |
⚡ Important Condition:
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Applicant ke paas apne naam pe koi pucca ghar nahi hona chahiye India ke kisi bhi part me.
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Family members (husband, wife, unmarried children) ke naam pe bhi pehle se ghar nahi hona chahiye.
📑 Documents Required for Awas Yojana Loan
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Aadhaar Card (mandatory)
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PAN Card
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Address proof (Electricity Bill, Voter ID, Passport)
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Income proof (Salary slips, ITR, bank statements)
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Property documents (sale agreement, land records, construction plan)
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Self-declaration form (no pucca house)
🏦 Interest Rate under Awas Yojana Loan
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Interest subsidy up to 6.5% p.a. depending on income category
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Loan tenure maximum 20 years
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Final EMI kam ho jata hai subsidy adjust hone ke baad
👉 Example: Agar aap ₹10 lakh ka loan lete ho 6.5% subsidy ke saath, to aapko approx ₹2.67 lakh subsidy mil sakti hai jo EMI ko bahut reduce kar deta hai.
📝 How to Apply for Awas Yojana Loan?
Aap online aur offline dono tareeko se apply kar sakte ho.
Online Application (PMAY Portal)
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Visit official website: PMAY – CLSS
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“Citizen Assessment” option select karein
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Aadhaar number enter karke form fill karein
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Income group, family details & housing requirement submit karein
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Application ID generate hoga jisme status track kar sakte ho
Through Banks & Housing Finance Companies
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Almost saare leading banks (SBI, Canara Bank, HDFC, ICICI, PNB, etc.) aur housing finance companies Awas Yojana Loan provide karte hain
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Bank me loan application submit karein
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Eligibility verify hone ke baad subsidy credit hota hai
🙋 FAQs – Awas Yojana Loan
Q1. Awas Yojana Loan ka maximum subsidy benefit kitna hai?
👉 Up to ₹2.67 lakh depending on your income group.
Q2. Kya Awas Yojana Loan ke liye Aadhaar card mandatory hai?
👉 Haan, Aadhaar number ke bina application accept nahi hota.
Q3. Kaunse banks Awas Yojana Loan dete hain?
👉 SBI, HDFC, ICICI, Canara Bank, PNB, Axis Bank aur bahut saare housing finance companies provide karti hain.
Q4. Kya existing home loan par bhi subsidy mil sakti hai?
👉 Haan, agar loan PMAY guidelines ke under hai aur aap eligible ho to subsidy mil sakti hai.
Q5. Awas Yojana Loan apply karne ka last date kya hai?
👉 Government ne deadline extend ki hai, filhaal scheme 31 December 2024 tak valid thi, lekin 2025 ke liye naye update ke liye PMAY Official Portal check karein.
🏁 Conclusion
Agar aapke paas apna ghar nahi hai aur aap apna dream home lena chahte ho to Awas Yojana Loan ek golden opportunity hai. Subsidy ka benefit lekar aap kam EMI me ghar bana sakte ho.
👉 Apply today via your nearest bank or directly on PMAY official portal and fulfill your dream of owning a home.
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