How To Check Pradhan Mantri Awas Yojana 2020. HOUSING FOR ALL : SUBSIDY ON LOAN INTEREST FULL DETAIL

How To Check Pradhan Mantri Awas Yojana 2020. HOUSING FOR ALL : SUBSIDY ON LOAN INTEREST FULL DETAIL

Gujarat Government Yojana

There is a very good news for the home seekers, central Government has announced even more subsidy in home loan interest rates under Pradhan Mantri Awas Yojana. Prime Minister Narendra Modi announced the interest subsidy on housing loans taken under Pradhan Mantri Awas Yojana during his speech to the nation on 31st December 2016.

The amount of home loan under the scheme has been increased by double to 12 Lakh and the interest subsidy would now be up to 4%. Below is the interest subsidy comparison of earlier PMAY scheme and revised scheme.

PMAY Home Loans Interest Rates/Subsidy for 2017

Subsidies Explained Earlier Scheme (2015) – CLSS for EWS/LIG

Revised Scheme (2017) – CLSS for MIG

Loan Amount

• Up to Rs. 6 Lakh 
• Up to Rs. 9 Lakh 
• Up to Rs. 12 Lakh

Eligibility Criteria

• EWS (Annual income of Up to Rs. 3 Lakh) and LIG (Income of up to Rs. 6 Lakh per annum). Women to be the co-owner along with the beneficiary. 
• MIG 1 – Up to Rs. 12 Lakh per annum 
• MIG 2 – Up to Rs. 18 Lakh per annum

Subsidy Calculation for a loan tenure of up to 15 years

• 6.5%
• 4%
• 3%

Subsidy Amount

• Rs. 2.2 Lakh for a loan of 6 lakh 
• Rs. 2.35 Lakh for a loan of Rs 9 Lakh 
• Rs. 2.3 Lakh for a loan of Rs. 12 Lakh

Interest Rates and Subsidy

• Interest Rate
• 10.5%
• 8.5%

Loan Amount Rs. 12 Lakh

• Rs. 9 Lakh or More
• Rs. 12 Lakh or More

Amount Eligible for Subsidy Rs. 6 Lakh

• Rs. 9 Lakh
• Rs. 12 Lakh

Subsidy Rate 6.5%

• 4%
• 3%

Subsidy Amount 2.2 Lakh

• 2.35 Lakh
• 2.3 Lakh

The increased loan amount under the PM Awas Yojana will significantly reduce the monthly installments. The central government instead of 6.5% subsidy on loans up to Rs. 6 Lakh, now providing 4% subsidy on loans up to Rs. 9 Lakh and 3% for home loans up to Rs. 12 Lakh. The loans under PMAY can be availed for a maximum tenure of 20 years (earlier 15). The government has also introduced two new middle income group categories under the scheme.

At present, the home loans are available from banks and non banking financing companies at interest rates of about 9%. After the interest subvention of 4%, the effective interest rate would fall to 5% which will result in significant reduction in EMI’s.

PMAY Home Loan Interest Rate CalculationFor example, if an individual takes loan of Rs 9 lakh for a 15 years, 4% lower interest rate would save him Rs. 2,011 in EMI every month as his EMI will come down from Rs 9,128 to Rs 7,117. Similarly, on a loan of Rs 12 lakh will save Rs 2,044 in EMI on account of the 3 per cent lower interest rate.

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Teachers have the very important responsibility of shaping the lives of young, impressionable children. With this responsibility comes great pride and joy. Therefore all teachers should strive for what can be considered to be a "good teacher." A good teacher can be defined as someone who always pushes students to want to do their best while at the same time trying to make learning interesting as well as creative. A positive or negative influence from a teacher early on in life can have a great effect on the life of a child. Teachers, especially at the elementary level, must be very creative with their teaching styles. Not every child learns the same way, nor are they interested in the same things. It is difficult to keep the attention of 15-20 children under the age of ten. Classroom setup and design is a good way to get and keep the attention of students. Workstations are a good way to encourage different types of learning. By allowing children a chance to choose which activities they want to participate in, children are taking control of their own education. At the elementary level, children are always learning and sometimes don't even know it. When I was in kindergarten, I can remember playing at the different stations in the classroom. One station was for gardening and we could plant seeds and check them every day to see how much they had grown. Another station in that classroom that sticks out in my mind is the arts and crafts station. There was a large array of crayons, markers, scissors, construction paper and building materials we could use to make pretty decorations to give to our parents for our homes. By choosing which station we wanted to work at, we were becoming much more interested in what we were learning because we were doing what we wanted to do, not what we had to do. By setting high standards for a student, the teacher is encouraging the student to do the same and will eventually...

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Lalbaugcharaja Opening Ceremony 2019 -Lalbagcha Raja 2019 Darshan-Lalbaugcharaja 2019 Charan Sparsh-Lalbagcha Raja 2019 Mukh Darshan 2019-Images 2019

Lalbaugcharaja Opening Ceremony 2019

Lalbagcha Raja Ganeshotsav 2019 will be inaugurated on Thursday 1st September 2019, early morning 4.00 AM by the Mandal’s President Mr.Balasaheb Sudam Kamble. The same will be further followed by Pratishthapana Puja.

Post the Puja, Lalbagcha Raja 2019 darshan will be opened to all the devotees from early morning 6.00 AM onwards and the Lalbaugcha Raja souvenir for 2018 will be published.

The Morning aarti will take place at 12.30 PM, by the Mandal’s President Mr.Balasaheb Sudam Kamble. The Evening aarti will take place at 08.30 PM.


Lalbagcha Raja 2019 Darshan

Lalbaugcha Raja darshan for all devotees will be available for 24 hours from early morning 6.00 AM, Thursday 1st September 2018 onwards to Saturday 22nd September 2018.


Lalbaugcharaja 2019 Charan Sparsh


Lalbaugcha Raja Charan Sparsh will be available for 24 hours from early morning 6.00 AM, Monday 1st September 2019 onwards. The darshan will be closed on Thursday 11th September 2019, Morning 10.00 A.M.

Charan Sparsh (Touch the Feet) will take the following route: Dinshaw Petit Lane – G.D. Ambekar Marg. To reach here one can come from Lower Parel Station on Western Line and Curry Road Station on Central Line.

Lalbagcha Raja 2019 Mukh Darshan 2019

Lalbaugcha Raja Mukh Darshan will be available for 24 hours from early morning 6.00 AM, Thursday 1st September 2019 onwards The darshan will be closed on Saturday 11th September 2019, Midnight 12.00 AM.

This ceremony of Lalbaugcha Raja’s first look and photoshoot will be organised by Lalbaug Sarvajanik Ganeshostav mandal.

Mukh Darshan line will take the following route:- Chhatrapati Shivaji Ground (Garam Khada) – Dr. B. A. Road – Dattaram Lad Marg – T.B. Kadam Marg – Add’l C.P. office – Dr. B. A. Road – RANI BAUG on Central Line. To reach here one can come from Chinchpokali or Byculla Station. (Depending upon the length of the line) The Mukh Darshan queue is also reachable from Cotton Green Station on Harbour Railway.)

Mukh Darshan Video Coming Soon 

Lalbagcha Raja 2019 Images 

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