What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

Details About Pradhan Mantri Awas Yojana

  • The Honorable. Prime Minister Sri Narendra Modi introduced the  Pradhan Mantri Awas Yojana Scheme (PMAY) on June 25, 2015. Between 2015 and 2022, it plans to build roughly 2 crore homes throughout the nation.
  •  It aims to support a respectable and sanitary lifestyle for the country’s underprivileged population.
  • By 2022, “Housing for All”(HFA) was to be a reality. 
  • Credit Linked Subsidy Scheme (CLSS), a program designed to give interest subsidies on loans taken out for the purchase, building, expansion, or improvement of a home, was introduced as part of this aim. 

What is a Credit Linked Subsidy Scheme (CLSS)?

  • The PMAY Program offers the Credit Linked Subsidy Scheme (CLSS), which enables members of the Economically Weaker Section (EWS), Low Income Group (LIG), and Medium Income Group (MIG) to get EMIs for house loans reduced thanks to an interest subsidy.
  • The beneficiary will receive an upfront credit for the interest subsidy on the principal amount, which would lower the effective home loan and EMI.
  • The Credit Linked Subsidy Scheme (CLSS) under PMAY makes the mortgage affordable by providing a subsidy on the interest component, which lowers the customer’s outflow on the mortgage. 
  • The size of the property unit being financed and the customer’s income category are the two main factors that affect the subsidy amount under the scheme.

PM Awas Yojana is Split Into Two Sections

  • Pradhan Mantri Awas Yojana Gramin (PMAY Gramin)
  • Pradhan Mantri Awas Yojana Urban (PMAY Urban)

Pradhan Mantri Awas Yojana Gramin (PMAY Gramin)

  • Housing for everyone is a goal of the Pradhan Mantri Awas Yojana Gramin (PMAY Gramin), which was started in 2012.
  • A 25-square-meter pucca house with other essential amenities is what this PMAY program for rural housing construction in India strives to provide.
  • Some State Governments may even offer the applicants financial assistance to purchase land for beneficiaries who are landless under the PMAY Gramin plan.
  • The Indira Awas Yojana, which was introduced in January 1996, has been updated as part of the current program.
  • The minimum size of the homes that must be constructed under the PMAY-G scheme has currently been increased from 20 sq. mt. to 25 sq. mt.

PMAYG Subsidy Scheme

  • Beneficiaries of the program are eligible to borrow up to Rs. 70,000 from financial institutions.
  • Interest is subsidized by 3%.
  • The subsidy’s maximum principle amount is Rs. 2 lakh.
  • The most that can be subsidized for the monthly installment is Rs.38,359

Pradhan Mantri Awas Yojana Urban (PMAY Urban)

  • The PMAY Urban program was established to aid India’s urban poor.
  • The PMAY program offers all beneficiaries a housing loan with an annual interest rate subsidy ranging from 3 to 6.5 percent over a 20-year term.
  • EWS, LIG, MIG-1, and MIG-2 participants receive the PMAY interest subsidy according to their annual household income.
  • Homes will be constructed using environmentally friendly building techniques and materials.
  • When assigning ground floors under the houses erected by the government, senior residents and individuals with disabilities must be given preference.
  • The program is accessible to 4041 towns, with Class-I 500 cities receiving precedence.

The system is designed to Run in Three Stages:

  • Phase 1:  From April 2015 to March 2017, the government planned to cover 100 cities in various states and UTs as part of Phase 1.
  • Phase 2: From April 2017 to March 2019, the government aimed to cover 200 additional cities in various states and UTs around the nation under Phase 2.
  • Phase 3: By the end of March 2022, the government hopes to have completed Phase 3 and covered all the cities that were unaffected by Phases 1 and 2.

Pradhan Mantri Awas Yojana Eligibility

  • You may apply for PMAY if your yearly household income is between Rs. 3 lakh and Rs. 18 lakh.
  • For the PMAY, female Indian citizens may apply. No other conditions and demographics will be taken into consideration until and until an applicant is a woman.
  • Only new homes will be available for the applicant to purchase under this program.
  • People who already own a home are not eligible to enroll in the PMAY program.
  • The applicant must not own a pucca home in any region of India, nor may any member of their family.
  • An applicant will not be permitted to use the PMAY incentives on a residence that is already built.
  • People belonging to Scheduled Castes or Tribes (SC or ST) are also eligible.
  • If an applicant is handicapped or a senior citizen, then special priority will be given to them at the ground floor allocation in the houses being built by the Government.
  • The four categories defined under this schema are

                                           Economically Weaker Sections(EWS)

                                           Lower Income Group (LIG)

                                           Middle Income Group (MIG) – I

                                           Middle Income Group (MIG) – II

PMAY(2022) Schema Details

 

Particulars

EWS

LIG

MIG I

MIG II

PMAY Criteria(Annual Household income)

Up to 3 Lakh

3 to 6 Lakh

6 to 12 lakh

12 to 18 Lakh

Interest Subsidy (per year)

6.50%

6.50%

4.00%

3.00%

Maximum Home Loan Amount (RS)

6 Lakh

6 Lakh

9 Lakh

12 Lakh

Maximum Interest Subsidy Amount

2.67 Lakh

2.67 Lakh

2.35 Lakh

2.30 Lakh

PMAY Carpet Area (Max)

30 Sq. M.

60 Sq. M.

160 Sq. M.

200 Sq. M.

Maximum Home Loan Tenor (in years)

20

20

20

20

Not Eligible For PMAY Schema

  • Individuals who already have a pucca house in the country or have availed benefit from a central/state government-run housing scheme earlier have an annual income of more than ₹ 18 lakhs; are not eligible for PMAY

Documents Needed to Apply PMAY Scheme

  • One cannot apply for this program without providing their Aadhaar details, hence they must do so.
  • PAN cards, voter IDs, and driving licenses are among the documents that can be used as evidence of identity and residency.
  • If the candidate is a member of a minority group, documentation proving this is required.
  • You must present documentation of your nationality. The passport can be used for this.
  • A certificate from the economically weaker section or the low-income group should be shown.
  • salary slips
  • Return statements for IT
  • A certificate of property valuation
  • Account statements and bank details
  • Evidence indicating the petitioner does not possess a “pucca” home
  • Evidence that the applicant is building a house under the scheme
  • Keep the following documents handy to enjoy a simple and hassle-free loan

PMAY Official Details

 

Official Website

https://pmaymis.gov.in/

Launch Date

25th June 2015

Expected Completion

By 2022

Toll-Free Number

1800-11-6163 – HUDCO

1800 11 3377, 1800 11 3388 – NHB

Complaints or Suggestion

grievance-pmay@gov.in

Office Address

PMAY Ministry of Housing and Urban Affairs Nirman Bhawan,

New Delhi- 110 011Contact: 011 2306 3285, 011 2306 0484

Email: pmaymis-mhupa@gov.in

PMAY Guidelines

Click to Download Manual

How to Apply Online for PMAY 2022 @ https://pmaymis.gov.in/

On the homepage, click on the ‘apply online’ option under the ‘citizen assessment’ tab. Now, select one among the four verticals for which you want to apply.

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?
  • The Pradhan Mantri Awas Yojana program accepts applications via both online and offline channels. 
  • Under the Pradhan Mantri Awas Yojana (PMAY), you can apply for a home by selecting one of the two main categories listed below:

Slum Dwellers:

  • According to the Ministry of Housing & Urban Affairs (MoHUA), slums are areas with 60–70 homes, or a minimum of 300 individuals, living in subpar residential buildings. 
  • The residents of slums are known as slum dwellers. Therefore, if you fit this description, you can apply to choose the same.

Other 3 Components:

  • The Low-Income Group (LIG), Economically Weaker Section (EWS), or Middle Income Group (MIG) are primary beneficiaries of the Housing for All initiative by 2022. 
  • You fall into the EWS group if your annual income is less than Rs 3 lakh. If your annual income is between Rs 3 lakh and Rs 6 lakh, you can apply under the LIG category. Finally, if your yearly income is between Rs 6 lakh and Rs 18 lakh, you can apply under the MIG (1 & 2) category.

Pradhan Mantri Awas Yojana Application Form 2022 (Online)

Step1:

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

Login page of PMAY website

Step 2:

  • Under Citizen Assessment, select “Slum Dwellers” or “Benefits Under 3 Components” (as per your suitable category).

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

  Select a category to fill the form on the PMAY website

Step 3:

  • Input the Aadhar Number and select Check to confirm your Aadhar information.

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

Verify Aadhar identification on the PMAY website to fill a form

Step 4:

  • Once verified, enter the information requested in the form. Make sure all of the information you enter is accurate; else, your application will be rejected.

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

Fill the details in Format B

Step 5:

  •  Scroll down after filling out all the fields, input the captcha, and then press the submit button. Your application has been submitted successfully.

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

Enter captcha to complete the application process

Note:  You can edit the form using your Application & Aadhar no. if you believe that you have supplied any wrong information.

Pradhan Mantri Awas Yojana Application Form 2022 (Offline)

  • If you are unable to submit the application online, you can do so physically by going to a Common Service Center (CSC) run by the state government or a bank on the PMAY list.
  •  Request an application form there, which may be obtained for a little price of Rs 25 + GST. Complete and submit the form

 

How to check PMAY Application Status?

  • The following are the steps you need to follow:
  • Check out the PMAY website.
  • You must choose one of the two choices available here to check the progress of your application. (You have the option to either enter your name, your father’s name, and your mobile number OR only the assessment ID.)

1:Track the status of your PMAY application by name, father's name, and mobile number.

 

  • If you choose the first option, you must provide information such as your name, father’s name, mobile number, state, district, and city names.

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

2: Track PMAY Application Status - By Assessment ID

  • Since all you need to enter here is your Assessment ID and Mobile number, this option could appear to be rather straightforward. 
  • You will be taken to a screen that shows the status of your assessment after providing the information.
What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

Top Banks Providing Mortgage Loans Under the PMAY Program

  • Bank of Baroda
  • State Bank of India
  • Axis Bank
  • IDFC First Bank
  • Bandhan Bank
  • Bank of India
  • HDFC Bank
  • IDBI Bank
  • Punjab National Bank
  • Canara Bank

PMAY's components

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

In-situ Slum Redevelopment (ISSR):

It aims to utilize the locked potential of the land under slum areas and construct houses on it for eligible slum dwellers to bring them into a formal urban settlements.

Credit-Linked Subsidy Scheme (CLSS):

Provides for a central subsidy on low-interest house loans between Rs 6 lakh and Rs 12 lakh for the building of new dwellings or the rehabilitation of existing ones.

Affordable Housing in Partnership (AHP):

Economically backward sections will be provided with affordable housing in collaboration with the public and private sectors.

Enhancement and construction of the beneficiary-led house (BLH)

Provides that individuals who fall under the EWS group may, with central aid of Rs. 1,50,000, build a new home or improve an existing one.

How Can I Receive PMAY Interest Subsidy?

  • Request a house loan from one of the leading
  • companies on the list.
  • If you are approved, the lending institution will assess your application and send it to the Central Nodal Agency.
  • If your application is accepted and there are no problems discovered after verification, the Central Nodal Agency will pay the subsidy amount to the lending institution.
  • The lending firm will credit this sum to your account, reducing the total loan amount.
  • You can keep making EMI payments toward the remaining loan balance.

PMAY subsidy calculator

  • Enter your loan amount.
  • Enter the tenure of your loan.

How are PMAY subsidies determined?

  • The subsidy amount is used as the interest subsidy amount’s Net Present Value (NPV). A 9 percent discount rate is used to compute NPV.

What Is the Pradhan Mantri Awas Yojana Scheme (PMAY) and How Can I Apply?

Conclusion:

  • Budget 2022: Govt allocates Rs 48k crore for universal housing, pushes for easy approvals for the middle class and EWS in urban areas
  • The government will construct over 2 million houses in 26 states. Pradhan Mantri Awas Yojana (Gramin) has been extended up to 2024.
  • The plan was made in an effort to reach the 2.95 crore residences sanctioned under the aforementioned program, which took a setback once COVID-19 broke out in 2020.
  • By March 2024, it would cost Rs 2.17 lakh crore to build the remaining 155.75 lakhs in rural areas. 
  • The Union Government will contribute Rs. 1.23 lakh crore of the expected budget, and the State would contribute the remaining amount.
  • Under PMAY-Gramin, 1.65 crore pucca dwellings have already been constructed. The goal of constructing 2.02 crore units is anticipated to be reached by August 15, 2022. Functionaries would be able to build 2.95 crore homes in India’s rural areas thanks to the extension.

How to Obtain Adangal ?

FAQ

1. How many crores is allocated for PM Awas Yojana this year?

  • Finance minister Nirmala Sitharaman on Tuesday announced the allocation of a whopping Rs 48,000 crore for the completion of 80 lakh houses under the Pradhan Mantri Awas Yojana (PMAY), both rural and urban, during the next fiscal year

2. Is there any registration fee for this scheme?

If you are applying through the online portal, there will be no charges. If you apply offline, you will have to pay a registration fee of Rs. 25 plus GST.

3. Can I sell my house after getting PMAY subsidy?

NEW DELHI: Those who have purchased the houses availing benefits of Pradhan Mantri Awas Yojana (PMAY) will not be able to sell properties within five years of its buying.



4. What is the difference between Indira Awas and Pradhan Mantri Awas Yojana?

  • Indira Awaas Yojana (IAY) now revamped as Pradhan Mantri Awas Yojna-Gramin(PMAY-G) The Govt. of India has revamped the Indira Awaas Yojana (IAY) as Pradhan Mantri Awaas Yojana-Gramin (PMAY-G) w.e.f. 2016-17 to realize the vision of “Housing for All by 2022”.

5. Can I apply for the PMAY scheme twice?

  • No, your bank accounts are linked to your Aadhaar Number, therefore, you cannot avail the benefit under the PMAY scheme twice.

6. How long does it take for PMAY to provide the subsidy amount?

  • Typically, it takes 3 to 4 months for the beneficiary to receive credit for the PMAY subsidy. This is subject to government verification procedures.

7. How can I obtain the PMAY Assessment ID?

  • After an applicant completes the registration process successfully, the PMAY portal generates the Assessment ID for PMAY. 
  • This ID can also be used to monitor the progress of the application.

8. Can I apply if I'm a woman for this program?

  • Yes, this program prioritizes women who are raising families and belong to lower socioeconomic groups. 
  • Your application will be denied if your husband, father, or any other family member with whom you share a residence has already applied.

9. How many houses have been sanctioned under Pradhan Mantri Awas Yojana urban?

  • The government said 122.69 lakh houses have so far been sanctioned under the Pradhan Mantri Awas Yojana (Urban) as the initiative celebrated its seventh anniversary.

 

10. Can a married couple apply for two separate interest subsidies for two separate home loans under PMAY-Urban?

  • No, a married couple is only eligible for a single house under the PMAY-Urban scheme. 

This Post Has 90 Comments

  1. Suganya

    I wanted to thank you for this fantastic read!! I certainly enjoyed every little bit of it. I have got you saved as a favorite to check out new stuff you post

    1. NFBD Pvt Ltd

      Thank you for taking the time to give us your valuable feedback

  2. Sundhar

    Thаnks for a marvelous posting! I actually enjoyed reading
    it, you may be a great author. I will be sure to bookmark
    your blog and return at some point. I want
    to encouгage that you ⅽontinue your great work, have a nice day!

    1. NFBD Pvt Ltd

      Thanks for providing us with detailed feedback about our Blog

  3. Akash Kumar

    Excellent way of telling, and nice piece of writing to obtain information regarding my presentation topic, which i am
    going to deliver in college.

    1. NFBD Pvt Ltd

      Thank you for taking the time to give us your valuable feedback

  4. Prabu

    Nice post. I used to be checking constantly
    this blog and I am impressed! Extremely useful info
    particularly the closing section 🙂 I care for such info a lot.
    I used to be seeking this certain info for a very lengthy time.

    Thanks and good luck.

    1. NFBD Pvt Ltd

      Thank you for taking the time to leave us such a fantastic review!
      Your satisfaction is our priority, and as affirmed by your review,
      we pride ourselves on our exceptional service

  5. Suganya

    Wow, incredible blog layout! How long have you been blogging
    for? you made blogging look easy. The overall
    look of your site is great, as well as the content!

    1. NFBD Pvt Ltd

      Thanks for your feedback; it is much appreciated.

  6. Saravanan

    Gгеat article, exactly what I was loоking for it.

    1. NFBD Pvt Ltd

      Thank you for taking the time to leave us such a fantastic review!

  7. Akash

    Aw, tһis was a verү nice post. Taking a few
    minutes ɑnd actual effort to make a really
    ցood article

    1. NFBD Pvt Ltd

      Thanks for your feedback; it is much appreciated.

  8. Durai

    Wߋah! I’m really loving the template/theme of this blog.
    It’s simple, yеt effective. A lot of times it’s challenging to get that “perfect balance” between usability
    and vіѕual appearance. I must say you’ve ԁone a very good job with this.
    Also, the blog ⅼ᧐ads super quick for me
    on Opera. Exceptional Blog!

    1. NFBD Pvt Ltd

      Thank You So Much Your Fantastic Review

  9. Arun Prabhu

    Wow! At last I ɡot a website from where I be capable of really taking helpful information concerning my study and knowledge.
    Amazing Blog.

    1. NFBD Pvt Ltd

      Thanks For Your Feed Back

  10. Ashok Kumar

    Pretty! This has been an incredibly wonderful post.
    Thank you for providing this info.

    1. NFBD Pvt Ltd

      Thanks For Your Review

  11. Mathava Kannan

    Excellent blog you have got here.. It’s difficult to find high-quality writing like yours nowadays.
    I truly appreciate individuals like you! Take care!!

    1. NFBD Pvt Ltd

      Thanks For Your Fantastic Review

  12. Sundhar Raj

    Thаt is a gopd tiр esρecially to those new to the blogoѕpherе.
    Brief but very accurɑte info… Маnny thanks forr
    sharing thіs one. A must read article!

    1. NFBD Pvt Ltd

      Thanks For Your Wonderful Comments

  13. Vijayan

    whoah this blog is magnificent i really like reading your
    posts. Stay up the great work! You already know, a lot of persons are looking round for
    this information, you can help them greatly.

    1. NFBD Pvt Ltd

      Thank You For Your VALUABLE Reviews

  14. Vikram

    Excellent, what a blog it is! This webpage presents useful information to us, keep it up.

    1. NFBD Pvt Ltd

      Thanks For Your Valuable Words

  15. Guru

    I am truly grateful to the holder of this web site who has shared this great paragraph at here.

    1. NFBD Pvt Ltd

      Thank You Sir

  16. Tamizharasan

    Very nice post. I just stumbled upon your weblog and
    wanted to mention that I’ve really enjoyed browsing your blog posts.
    After all I will be subscribing in your feed and I am hoping you write once more
    very soon!

    1. NFBD Pvt Ltd

      Yes Sure
      Thank you for taking the time to leave us such a fantastic review!
      Your satisfaction is our priority, and as affirmed by your review,
      we pride ourselves on our exceptional service

  17. Vanitha Kumar

    Greetings! Very useful advice in this particular post!
    It’s the little changes which will make the biggest changes.
    Thanks for sharing!

    1. NFBD Pvt Ltd

      Thanks For Your Fantastic Word

  18. Sakthivel

    Hi there, this weekend is nice in support of me, because this occasion i am reading this fantastic informative article here at my house.

    1. NFBD Pvt Ltd

      Thanks For Your Wonderful Feedback

  19. Ajith Sir

    I am genuinely grateful to the holder of this web site who has shared this great post at at this time.

    1. NFBD Pvt Ltd

      Thanks For Your Wonderful Feedback

  20. Durai

    It’s awesome in support of me to have a web page, which is valuable in favor
    of my knowledge. thanks admin

    1. NFBD Pvt Ltd

      Thanks For Your Review

  21. Indhumathi

    I am ѕᥙre this paragraрh has touched all the іnternet visitors, its really really good post on building .

    1. NFBD Pvt Ltd

      Thanks For Your Wonderful Feedback

  22. Prakash

    Awesome! Its truly amazing article, I have got much clear idea on the topic of from this
    piece of writing.

    1. NFBD Pvt Ltd

      Thanks For Your Wonderful Comment

  23. Thamizharasan

    Having read this I believed it was really informative.
    I appreciate you taking the time and energy to put this informative article together.

    1. NFBD Pvt Ltd

      Thanks For Your Valuable Words

  24. Sudha

    This is the perfect website for anyone who really wants to
    understand this topic. You realize so much its almost tough to argue
    with you (not that I really will need to…HaHa). You definitely put a fresh spin on a subject which has been discussed for many
    years. Wonderful stuff, just wonderful!

    1. NFBD Pvt Ltd

      Thanks for your feedback; it is much appreciated.

  25. Balaji

    You are so awesome! I don’t suppose I’ve read through anything like that before.
    So wonderful to find someone with a few unique
    thoughts on this issue. Really.. thanks for starting this up.
    This website is one thing that’s needed on the internet

    1. NFBD Pvt Ltd

      Thank you for taking the time to leave us such a fantastic review!
      Your satisfaction is our priority, and as affirmed by your review,
      we pride ourselves on our exceptional service

  26. Sumathi

    What’s up to everyone, the contents present at this website
    are in fact remarkable for people knowledge, well,
    keep up the nice work fellows.

    1. NFBD Pvt Ltd

      Thanks for your valuable comments

  27. Gurubalan

    Your method of explaining all in this article is really good, every one be able to effortlessly understand it,
    Thanks a lot.

    1. NFBD Pvt Ltd

      Thank you for taking the time to leave us such a fantastic review!
      Your satisfaction is our priority, and as affirmed by your review,
      we pride ourselves on our exceptional service

  28. Kanishka

    Ηi theгe, all is going sound here and ofcourse every one is sharing
    information, thаt’s really fine, keep up writing.

    1. NFBD Pvt Ltd

      Thanks For Your Comments

  29. Prakash

    I ɑm sure thiѕ post һas touched all the internet people, its really really gooԁ
    post on building up new blog.

    1. NFBD Pvt Ltd

      Thanks For You valuable Reviews

  30. Lavanya

    I feel this is one of the so much significant information for me.
    And i am glad reading your article. However should commentary on some normal issues, The
    web site taste is wonderful, the articles is in point of
    fact excellent : D. Good process, cheers

    1. NFBD Pvt Ltd

      Thanks For Your Wonderful Comments

  31. Santhosh

    I’m not that much of a online reader to
    be honest but your blogs really nice, keep it up!

    I’ll go ahead and bookmark your site to come back in the future.
    Cheers

    1. NFBD Pvt Ltd

      Thanks For Your Comments

  32. Aravind

    Verʏ ѕoon tһis sitе will be famous amid aⅼl blogging people, due to it’s nice posts

    1. NFBD Pvt Ltd

      Thanks For Your Comments

  33. Arunachalam

    That is a really good tip especially to those fresh to the blogosphere.

    Short but very precise info? Thank you for sharing this one.
    A must read post!

    1. NFBD Pvt Ltd

      Thanks For Your Comments

  34. Mani

    Hеy! Thiѕ is my first comment heгe so I just wanted to give a quick shout-out and say I really enjoy reɑding your bⅼog posts.

    1. NFBD Pvt Ltd

      Thanks for your feedback; it is much appreciated.

  35. Kaviya

    This post gives clear idea in support of the new visitors of blogging, that in fact how to do running a blog.

    1. NFBD Pvt Ltd

      Thanks For Your Comments

  36. Bose

    Hi there, this weekend is nice designed for me, as this point in time i am reading this wonderful educational
    post here at my house.

    1. NFBD Pvt Ltd

      Thank You So Much For Your Comment

  37. Anand

    Hi thеre to all, how is thе whole thing, I think every ⲟne
    is getting mοre from this web page, and your vieԝs aгe nice designed for new visitors.

    1. NFBD Pvt Ltd

      Thanks For Your Valuable Feed Back

  38. Jagan

    Wօnderful site. Plentʏ of useful information here.
    I am sеnding it to several pals ans also ѕharing in delіcious.
    And of course, thanks on your effort!

    1. NFBD Pvt Ltd

      Thank you for taking the time to leave us such a fantastic review!
      Your satisfaction is our priority, and as affirmed by your review,
      we pride ourselves on our exceptional service

  39. Prakash

    You made some good points there. I looked on the web for addіtional inf᧐rmation aƅout the issue and found most individuals will go along with
    your views on thіs website.

    1. NFBD Pvt Ltd

      Thank You So Much for Your Fantastic Review

  40. Ram

    Thanks for including the attractive depictions —
    thus susceptible to a feeling of reflection.

    1. NFBD Pvt Ltd

      Thank You So Much For Your Comment

  41. Pradeep

    Heya i am for the primary time here. I came across this board and I in finding It rеally ᥙseful
    & it helped me out a lߋt. I һope to offer something again and help others such as you helped me.

    1. NFBD Pvt Ltd

      Thanks For Your Valuable Feed Back

  42. Subashan

    Wow, wonderful blog layout! How long have you been blogging for?

    you made blogging look easy. The overall look of your website is
    great, as well as the content!

    1. NFBD Pvt Ltd

      Thanks For Your Valuable Feed Back

  43. Udhayanithi

    I got this web page from my buddy who shared with me about this site and
    at the moment this time I am visiting this site and reading very informative articles at this place.

    1. NFBD Pvt Ltd

      Thanks For Your Valuable Feed Back

  44. Ranganathan

    Thanks for the good wгiteup. It in truth used to be a leisure account it.
    Glance complex to far brought agreeable from you!

    1. NFBD Pvt Ltd

      Thank You So Much For Your Comment

  45. Kannan

    Hi tⲟ every body, it’s my first go to see of this blοg; this blog includes awesome and genuinelү fine information for visitors.

    1. NFBD Pvt Ltd

      Thanks For Your Valuable Feed Back

Leave a Reply