UP Awas Vikas Yojana- Paving the way for Heavenly Abode of Dreams

UP Awas Vikas Yojana is a well-structured initiative taken by the Government of Uttar Pradesh. Under this scheme, the government has taken the vow to provide economical and low-cost housing to the less privileged people of Uttar Pradesh. Under this yojana, people belonging to the BPL/EWS category will be put at priority. 

We all understand and know the importance of having a house. But sadly, there are lakhs of people in our country who crave to live in their homes. People also dream of owning their house and spending their entire life in their homes. But unfortunately, their dream of owning a house remains a dream only. 

Therefore, to grant aid to people living under reduced circumstances or people belonging to the economically weaker sections of Uttar Pradesh, Chief Minister Yogi Adityanath has introduced the UP Awas Vikas Yojana. This yojana aims at providing affordable housing to the people of the state. 

Scheme Name and its Details
Name of the Scheme	Uttar Pradesh Awas Vikas Yojana
Launched by	State Government of Uttar Pradesh
Authority	Uttar Pradesh Housing and Development Board (UPAVP)
Benefits of the Scheme	Providing economical and low-cost housing to the less-fortunate people of Uttar Pradesh.
Beneficiaries	Economically Weaker Sections (EWS) or Low Income Group (LIG) and Medium Income Group (both MIFG- I and II)
Major Benefit	Low-cost Housing is provided to all the indigent and needy people
Scheme Objective	Provide low-cost and affordable housing to citizens of Uttar Pradesh
Scheme under	State Government
Post Category	Scheme/ Yojana
Official Website	http://pmaymis.gov.in/

Introduction

Announced in favour of providing shelter to the inferior, suffering, lower-middle class and economically weaker section of the states of Uttar Pradesh, UP Awas Vikas Yojana has been introduced. Living in an owned house gives every individual the space to relax.

This yojana has been formed with an intention of building 20 million houses by 31 March 2022. The scheme has been introduced and segregated into two components onefor the urban section of the society and other for the rural section of the society.

Components of UP Awas Vikas Yojana

Below given infographics consist of the following components-

Objective of the Yojana

This scheme has been introduced for the people of Uttar Pradesh who cannot afford to own a house. This yojana is a well-thought step taken by the government of Uttar Pradesh to benefit its people who struggle to buy their own house. The scheme revolves around providing homes to the underprivileged and needy people of the state. Its objective is to benefit the disadvantaged people who are in the search of their residence.

The motive behind the launch of UP Awas Vikas Yojana is based on the idea of “Housing for all”. Owning a house is a dream of lakhs of people. Having a house means having a personal space that belongs totally to that person. In other words, an owned house is a roof over the head. Owning a house develops not only the confidence of a person but also helps the person in staying close to society.

Purpose of the Scheme

The purpose of this UP Government scheme is to provide affordable housing to the citizens of the economically weak families of Uttar Pradesh. People belonging to the Category of Economically Weaker Sections (EWS) or Low Income Group (LIG), MIG-I, and MIG-II will be provided an interest subsidy of 6.50. UP Awas Vikas Yojana is a scheme introduced by the Uttar Pradesh government. This scheme is introduced only for the needy and indigent people of Uttar Pradesh who are unable to buy a house for themselves. With the launch of this scheme, the state government of Uttar Pradesh has taken the charge to grant economical housing to the poor people of the state.

Features of the UP Awas Vikas Yojana

Mentioned below are the features of UP Awas Vikas Yojana:-

Under this yojana the government of Uttar Pradesh will be providing an interest subsidy in the following manner:-

• An interest subsidy of 6.50% will be provided to the Economically Weaker Sections (EWS) or Low Income Group (LIG)
• Interest subsidy of 4% will be provided to the MIG-I (Medium Income Group)
• Interest subsidy of 3% will be provided to the MIG-II (Medium Income Group)
• Houses which will be constructed under the UP Awas Vikas Yojana will be constructed using an eco-friendly technology. Also, while allotting the ground floors under this scheme, the preference will be given to the elderly people.

Note: – This interest subsidy will be provided for the housing loans that will be availed of by the beneficiaries. Based on the Credit link subsidy scheme (CLSS), the duration of this interest subsidy will be of 20 years from the start of the loan.

Definitions

• Medium Income Group (MIG-I) – This category comprises of people whose annual household income or total gross income of all family members is between ₹ 6, 00,001 up to ₹12, 00,000.
• Medium Income Group (MIG-II) – Households who have an annual income between ₹ 12, 00,001 up to ₹ 18, 00,000 falls under this category.

Beneficiaries of the Uttar Pradesh Awas Vikas Yojana

Given below is the list of all the beneficiaries that fall under this yojana:-

• Scheduled Caste
• Scheduled Tribe
• People belonging to Below Poverty Line (BPL)
• Economically Weaker Section (EWS)
• Lower-Income Groups
• Medium Income Group- I
• Medium Income Group- II

Eligibility Criteria of UP Awas Vikas Yojana

The following points describe the eligibility criteria of this scheme:-

• The applicant should be a permanent domicile of Uttar Pradesh.
• The applicant must belong to the BPL/EWS or MIG-I and MIG-II category.
• Only households with a total annual income between ₹6, 00,000 to ₹8, 00,000 are eligible to apply for this scheme.
• Senior citizens
• Different abled people
• People who do not own a house
• Citizens of Uttar Pradesh who belong to the economically weaker section of the society are eligible to apply under this scheme.
• People who belong to the Low-income group (LIG) are also eligible.

Application and Registration Process

Applicants who meet the eligibility criteria to avail of the benefits of this scheme, are required to fill an online application using the official website- http://pmaymis.gov.in/

Given below is the image of the home page of the official website.

How to Apply for UP Awas Vikas Yojana?

Given below are the steps that you to follow while applying for this scheme:-

• Visit the official website http://pmaymis.gov.in/
• Once you reach the homepage, go to the “Menu tab” and click on the option “Citizen Assessment”.
• Now, enter your 12 digit aadhaar number.
• As you will be done entering your aadhaar number, you will be redirected to the application page.
• Fill in all the required details now.

The following details are required for applying:-

• Details of your income
• Personal details
• Bank account details
• Present residential address
• After filling in all the asked details, click on the option “I am aware of”. Applicants can see this option at the end of the page.
• After clicking on this option, click on “Save.”
• Here, you will see an auto-generated application number that can be used in the future as a reference.
• You can now download and print the application.
• After generating the print out of the filled application, submit it to your nearby banks and Common Service Centre Office.
• Submit this application form with all the supporting documents.

Additional Information

Applicants who wish to apply for this yojana, but are not having access to the internet, can also apply using the Offline mode. To apply offline for Uttar Pradesh Awas Vikas Yojana, the applicant is required to visit a PMAY listed bank or to a Common Service Centre (CSC), which is run by the state government. Also, to apply offline for this yojana, applicants are required to pay a registration fee of ₹ 25 (Plus GST).

Required Documents

Following is the list of documents that are required to apply for the UP Awas Vikas Yojana:-

Identification Proof

• Aadhaar Card
• Pan Card
• Voter Id
• Driving License
• Passport
• Photo Credit Card
• A Photo Identity Card (This Document should be Issued by the Government)
• A Letter issued by a Recognized Authority Confirming the Identity of the Applicant with a Photograph Attached to it

Residential Proof

• Residence Certificate
• Life Insurance Policy (LIC)
• Rent Agreement
• A Letter Issued by a Recognized Authority Confirming the Identity and the Residence of the Applicant with a Photograph Attached
• Income Proof

Additional Documents

• Bank Statement of the Last Six Months
• ITR Receipts
• Salary Slips( Last Two Months)

Role of Aatmnirbhar Sena

Aatmnirbhar Sena encompasses a unit of people that works tirelessly to support the government with its schemes introduced to benefit the economically weaker sections of the country. Aatmnirbhar Sena firmly believes in nurturing the youth and all the less-privileged people to give them the quality life they deserve to live.

Conclusion

Introduced by the government of Uttar Pradesh, Uttar Pradesh Awas Vikas Yojana is a thoughtful scheme initiated to benefit the economically weaker sections of the state. The motive of this yojana is to provide aid to the struggling people by granting them affordable housing. Providing low-cost houses for homeless people is the aim of UP Awas Vikas Yojana.