How to Apply for Janavasati Yojana and PM Awas Yojana for New Home Builders. HOME 6

Complete Step-by-Step Guide, Eligibility, Documents, and Benefits

Owning a house is the dream of every Indian family. For lakhs of low- and middle-income families, this dream becomes possible through government housing schemes. Two major schemes that help new home builders in India are the PM Awas Yojana (Pradhan Mantri Awas Yojana – PMAY) and the Janavasati Yojana (State Housing Scheme).

Both schemes provide financial assistance and subsidies for constructing a new house, especially for economically weaker sections, low-income groups, and middle-income families.

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In this detailed guide, you will learn:

What is PM Awas Yojana
What is Janavasati Yojana
Who is eligible to apply
Benefits and subsidy amounts
Required documents
Step-by-step online and offline application process
Common mistakes to avoid

This article is written especially for new home builders who want to apply for these schemes in 2025 and beyond.

What Is PM Awas Yojana (PMAY)?

The Pradhan Mantri Awas Yojana (PMAY) is a flagship housing scheme launched by the Government of India to provide “Housing for All”. The scheme supports people who:

Do not own a permanent (pucca) house
Live in kutcha houses
Live in slums
Want to build a new house on their own land

PMAY has two major divisions:

PMAY-Urban (PMAY-U) – For city and town residents
PMAY-Gramin (PMAY-G) – For rural area residents

For new home builders, the scheme provides direct financial assistance for constructing a new house.

What Is Janavasati Yojana?

The Janavasati Yojana is a state government housing scheme that focuses on providing:

Affordable housing
Financial assistance for house construction
Support to poor families in urban and semi-urban areas

This scheme is implemented through state housing boards, municipalities, and urban development authorities. The main purpose is to help people who own land but do not have enough money to build a permanent house.

Janavasati Yojana usually works in coordination with central schemes like PMAY, allowing beneficiaries to get combined benefits.

Who Can Apply for These Housing Schemes?

For new home builders, eligibility is the most important factor.

Common Eligibility Conditions

Applicant must be an Indian citizen
Applicant should not own a pucca house anywhere in India
The house should be built in the applicant’s name
Applicant must belong to one of these income groups:
- EWS (Economically Weaker Section)
- LIG (Low Income Group)
- MIG (Middle Income Group)
Applicant must have legal ownership of land
Applicant must not have taken housing benefits from any other government scheme earlier

Income Criteria for PM Awas Yojana

PMAY categorizes beneficiaries based on annual family income:

EWS – Up to Rs. 3 lakh per year
LIG – Rs. 3 lakh to Rs. 6 lakh per year
MIG-1 – Rs. 6 lakh to Rs. 12 lakh per year
MIG-2 – Rs. 12 lakh to Rs. 18 lakh per year

Janavasati Yojana income limits depend on state rules but usually follow similar ranges.

Benefits of PM Awas Yojana for New Home Builders

Under PMAY, new home builders can receive:

Direct construction assistance
Interest subsidy on home loans
Lower EMI through Credit Linked Subsidy Scheme (CLSS)
Financial support for building toilets, kitchens, and basic infrastructure

Subsidy Amount (Construction Mode)

PMAY-G (Rural):
- Rs. 1.20 lakh in plain areas
- Rs. 1.30 lakh in hilly and difficult areas
PMAY-U (Urban – Individual House Construction):
- Up to Rs. 1.50 lakh, depending on state wise norms

Benefits of Janavasati Yojana for New Home Builders

Under Janavasati Yojana, beneficiaries may receive:

House construction assistance up to Rs. 2 lakh (varies by state)
Subsidy for building material
Layout development support
Water supply, roads, drainage facilities
Special benefits for:
- SC/ST beneficiaries
- Women-headed families
- Disabled persons

Required Documents for Both Schemes

To apply for PM Awas Yojana or Janavasati Yojana, the following documents are usually required:

Aadhaar Card
Voter ID / Driving License
Ration Card
Income Certificate
Caste Certificate (if applicable)
Bank Account Passbook
Passport Size Photographs
Land Ownership Documents (Patta, Sale Deed, RTC, etc.)
Building Plan Approval (from local authority)
Mobile Number Linked with Aadhaar

How to Apply for PM Awas Yojana for New Home Builders

Step-by-Step Online Application Process

Step 1: Visit Official PMAY Portal

Go to the official PMAY website.

Step 2: Choose the Correct Option

Select:

“Citizen Assessment”
Then choose “For Slum Dwellers” or “Benefits under Other 3 Components”

Step 3: Enter Aadhaar Number

Enter your 12-digit Aadhaar number and verify.

Step 4: Fill in Application Form

Provide details such as:

Name
Family income
Address
Bank details
Land/house status

Step 5: Upload Required Documents

Upload scanned copies of all required documents.

Step 6: Submit the Application

Review all details carefully and submit the form.

Step 7: Receive Acknowledgment

A unique Application ID will be generated. Save it for future tracking.

Offline Application for PM Awas Yojana

If online access is not available, you can apply through:

Municipal Corporation
Nagar Panchayat
Gram Panchayat
Common Service Centers (CSC)
District Rural Development Agency (DRDA)

Officials will assist with form submission.

How to Apply for Janavasati Yojana for New Home Builders

Janavasati Yojana is implemented at the state level, so the application process may vary slightly. The general steps are:

Step 1: Visit the State Housing Board Website

Or visit:

Municipal office
Urban Development Authority
Revenue office

Step 2: Check Active Notification

Look for “Janavasati Yojana New House Construction Assistance”.

Step 3: Fill the Application Form

Provide:

Personal details
Income details
Property details
Family information

Step 4: Attach Documents

Submit self-attested copies of required documents.

Step 5: Submit to Concerned Office

Submit online or at the housing department office.

Step 6: Field Verification

Officials will inspect:

Land location
Construction status
Income verification

Step 7: Approval and Sanction

After verification, assistance is sanctioned and released directly to your bank account in installments.

How the Subsidy Amount Is Paid

The financial assistance is usually released in three or four stages:

First installment – After foundation completion
Second installment – After wall construction
Third installment – After roof casting
Final installment – After house completion

This ensures proper utilization of funds.

Important Points for New Home Builders

The house must be built strictly as per approved plan
The beneficiary’s name must be on land records
The house should not exceed the carpet area limit specified by the scheme
Women ownership is mandatory in many states under PMAY
False information can lead to rejection and legal action

Common Reasons for Application Rejection

Wrong Aadhaar or bank details
Income exceeding the limit
Fake land documents
Already owning a pucca house
Incomplete document submission
Applying under the wrong income category

Can You Apply for Both Schemes Together?

Yes. In many states, Janavasati Yojana works as a state-level support on top of PM Awas Yojana. Eligible beneficiaries may receive:

Central government assistance under PMAY
Additional state government assistance under Janavasati Yojana

This helps reduce the overall cost of construction significantly.

Frequently Asked Questions (FAQ)

1. Can I apply if my house is partially constructed?

Yes, in most cases, if the house is not fully completed.

2. Is a home loan mandatory?

No. You can build using personal funds and still receive construction subsidy.

3. Can women apply separately?

Yes. Women beneficiaries get priority in most states.

4. How long does approval take?

Usually 2 to 6 months depending on verification speed.

5. Can I sell the house after receiving subsidy?

No. There is usually a lock-in period of 5 to 10 years.

If you want the official apply-link for Pradhan Mantri Awas Yojana (PMAY), here are the main ones:

🔗 Official portal for PMAY (Urban & Rural) — APPLY PM AVAS (PMAY-HFA)
🔗 Apply for PMAY-Urban 2.0 — via services.india.gov.in (National Government Services Portal)

If you want, I can also find and give you the apply-link for Janavasati / state housing scheme specific to your state (you tell me which state), so it’s ready to use.

Both PM Awas Yojana and Janavasati Yojana are powerful housing schemes for new home builders in India. They reduce the financial burden of house construction and help families live with dignity in a permanent home.

If you have land, belong to an eligible income group, and do not already own a pucca house, you should definitely apply for these schemes. With proper documents, correct application, and timely follow-up, you can receive government assistance and build your dream home at a much lower cost.