Launched in 2015, the Pradhan Mantri Awas Yojana (PMAY) is a mission to provide "Housing for All" by 2025. This comprehensive program aims to address the housing shortage in urban and rural areas of India.

Key Features of PM Awas Yojana

Two Components

PMAY-Urban for city dwellers and PMAY-Gramin for rural households

Interest Subsidy

Up to 6.5% subsidy on home loans under Credit Linked Subsidy Scheme (CLSS)

Income Categories

Tailored benefits for EWS, LIG, MIG-I, and MIG-II income groups

Women Empowerment

Mandatory house ownership in female family member's name

Eligibility Criteria

For PMAY-U (Urban)

  • No pucca house ownership in family's name
  • Annual income within specified limits:
    • EWS: Up to ₹3 lakh
    • LIG: ₹3-6 lakh
    • MIG-I: ₹6-12 lakh
    • MIG-II: ₹12-18 lakh
  • Urban resident as per Census 2011 definition
  • First-time home buyer

For PMAY-G (Rural)

  • Living in kutcha or dilapidated houses
  • Priority given to:
    • SC/ST households
    • Minorities
    • Persons with disabilities
    • Women-headed households
    • Disaster-affected families
  • Must be on SECC-2011 list

Benefits of PM Awas Yojana

Financial Assistance

  • Affordable home loans with interest subsidy
  • Direct financial assistance of ₹1.5-2.5 lakh
  • Construction assistance for rural housing

Additional Benefits

  • Slum rehabilitation programs
  • Eco-friendly building incentives
  • Technology support for faster construction
  • Convergence with other schemes

How to Apply for PM Awas Yojana

1
Visit Official Portals

Access PMAY-U or PMAY-G websites based on your location

2
Register with Aadhaar

Create an account using your Aadhaar number for identity verification

3
Fill Application Form

Complete the online application with personal, income, and property details

4
Upload Documents

Submit all required documents as per the checklist provided

5
Track Application Status

Monitor your application progress through the online portal

Documents Required

  • Aadhaar Card
  • Income Certificate
  • Ration Card
  • Bank Details
  • Swachh Bharat Registration (rural)
  • Property Documents (if applicable)

PMAY Subsidy Calculator

For precise calculations, visit the official CLSS Calculator on the PMAY portal.

Success Stories

3+ Crore
Houses sanctioned across India

Transforming Lives

PMAY has empowered millions of families across India through its urban and rural missions, providing not just houses but homes filled with dignity and hope.

Frequently Asked Questions

Families earning up to ₹18 lakh annually and not owning a pucca house. The scheme categorizes beneficiaries into EWS, LIG, MIG-I, and MIG-II based on annual household income.

Annual income must be ₹3 lakh or below to qualify for the Economically Weaker Section (EWS) category under PMAY.

Up to ₹2.67 lakh for EWS/LIG categories through 6.5% interest subsidy and up to ₹2.3 lakh for MIG categories through 4% (MIG-I) and 3% (MIG-II) interest subsidies.

Yes, PMAY provides loans for construction on owned plots. The subsidy applies to the construction cost if you don't own any other pucca house.

Visit pmaymis.gov.in and use the Track Assessment Status feature by entering your application number or Aadhaar number to check your current status.

Ready to Apply for PM Awas Yojana?

Take the first step towards owning your dream home with government support.

Apply Now

Conclusion

The PM Awas Yojana is revolutionizing affordable housing in India by making homeownership accessible to millions of families. With its comprehensive approach to urban and rural housing needs, PMAY is not just building houses but creating communities and transforming lives. Apply today and move one step closer to your dream home!