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Pradhan Mantri Awas Yojana (PMAY)

PMAY helps poor and middle-income families build or buy a house with direct financial support or home loan interest subsidy. Covers both urban (PMAY-U) and rural (PMAY-G) citizens.

Housing

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This page is written by an independent website. It is not affiliated with the Government of India. Always apply through the official government website linked below.

Simple Overview

Pradhan Mantri Awas Yojana (PMAY) is the government's flagship housing scheme to provide affordable housing to all eligible citizens. PMAY-Gramin gives cash assistance to build a home in villages. PMAY-Urban offers interest subsidies on home loans for city dwellers. The house must be registered in the woman's name (or jointly).

Who Can Apply?

  • Families who do not own a pucca (permanent) house anywhere in India
  • Families who have never received housing benefits from any previous government scheme
  • PMAY-Gramin: Families listed in the SECC-2011 database
  • PMAY-Urban: EWS, LIG, MIG-I, and MIG-II families based on income

Income Limits

EWS: up to ₹3 lakh | LIG: ₹3–6 lakh | MIG-I: ₹6–12 lakh | MIG-II: ₹12–18 lakh

Required Documents

  • Aadhaar Card (all adult family members)
  • Income certificate or salary proof
  • Declaration of no pucca house in family name
  • Bank account passbook
  • Affidavit of no previous housing scheme benefit
  • SC/ST/OBC certificate if applicable

📋 Quick Facts

Gramin Grant₹1.2–1.3 lakh
Urban Subsidy3–6.5% interest subsidy
EWS Income LimitUp to ₹3 lakh
Official Sitespmayg.nic.in (rural)
Urban Sitepmaymis.gov.in
Helpline1800-11-6163

🔗 Apply on Official Website

Always apply through the official government portal. It is free.

🌐 Go to Official Website

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Step-by-Step Application Process

  1. 1
    PMAY-Gramin: Check SECC list

    Visit pmayg.nic.in to check if your family is in the SECC-2011 beneficiary list. If not, approach your Gram Panchayat for the waiting list.

  2. 2
    PMAY-Gramin: Contact Gram Panchayat

    The Gram Pradhan or Panchayat Secretary will guide you through the local registration process.

  3. 3
    PMAY-Urban: Visit pmaymis.gov.in

    Click 'Citizen Assessment' and enter your Aadhaar to start the urban application.

  4. 4
    Select the correct component

    Choose Beneficiary Led Construction (to build on your own land) or Credit Linked Subsidy Scheme (for home loan applicants).

  5. 5
    Complete Aadhaar verification

    Your Aadhaar must be seeded with your bank account. Without this, instalments will be blocked.

  6. 6
    Receive money in stages

    For Gramin, money is released in stages as construction is completed and verified through geotagged photographs on the Awaas App.

Benefits of the Scheme

Common Mistakes to Avoid

Frequently Asked Questions

Q: I live in a rented house in a city. Can I apply for PMAY-Urban?
Yes, if your household income is within the eligible range, you don't own a pucca house anywhere in India, and haven't previously received government housing assistance.
Q: My name isn't in the SECC list. Can I still get PMAY-Gramin?
Your Gram Panchayat maintains a waiting list for eligible families not on the SECC list. You can request inclusion. Approvals happen as funds become available.
Q: Must the house be in a woman's name?
Under PMAY-Gramin it is mandatory to register the house in the woman's name, or jointly with her husband.
Ready to Apply?

Visit the official government website to start your application. It is free and takes only a few minutes to begin.

🌐 Apply on Official Website
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