The Pradhan Mantri Awas Yojana (PMAY) is a government initiative that provides affordable housing for all first-time homeowners. People belonging to the economically weaker section (EWS), low-income group (LIG) and mid-income group (MIG) can participate in the PMAY and avail interest subsidies on home loans. One can register and apply for PMAY2025 by visiting the PMAY online website or apply offline by visiting the Common service centre (CSC). While you may have gone through a number of PMAY-related articles, note that this guide focuses on the latest information on how to apply online for Pradhan Mantri Awas Yojana online in 2025 as the official website has been revamped to suit the PMAY-U 2.0 vision.
Currently in the second phase – 2025 to 2029, the PMAY has set a target of providing around 3 crore houses that will include basic amenities such as gas, electricity, water supply and toilets. Under this target, around 1 crore pucca houses will be built under PMAY-Urban 2.0 and 2 crore houses will be constructed under PMAY-Gramin.
The first phase of PMAY was for nine years from 2015 to 2024 where 118.64 lakh houses have been sanctioned and around 92 lakh houses have already been constructed and delivered to beneficiaries.
Pradhan mantri awas yojana apply online in 2025
The PM Awas Yojana online application form is available on the PMAY website. You can follow the steps below to successfully submit your application. However, you must identify your accurate category before filling out the PMAY application form. The categories determine your eligibility and the type of subsidy you can receive.
Income-based beneficiary groups (Categories):
- EWS (Economically Weaker Section) – Annual household income up to Rs. 3 lakhs
- LIG (Low-Income Group) – Annual household income between Rs. 3–6 lakhs
- MIG-I (Middle-Income Group I) – Income between Rs. 6–12 lakhs
- MIG-II (Middle-Income Group II) – Income between Rs. 12–18 lakhs
You must choose the correct category while applying online, as each has different subsidy benefits and documentation requirements.
PM Awas Yojana application process
- Visit the PMAY website at https://pmaymis.gov.in/
2. Click on Apply for PMAY U 2.0 and you will reach https://pmaymis.gov.in/PMAYMIS2_2024/PMAY_SURVEY/EligiblityCheck.aspx where you can see instructions for the user. Once the instructions are read, click to proceed.
3. You will reach https://pmaymis.gov.in/PMAYMIS2_2024/PMAY_SURVEY/EligiblityCheck.aspx where you can check your eligibility.
4. Enter details such as the state in which you want to apply for your PMAY-U 2.0 unit, the household annual income, and the vertical. Remember that once a vertical is selected, then it cannot be changed at a later stage. Next, answer if you own a pucca house in any part of India and if you have availed benefits of any government housing scheme in the past 20 years.
5. Next, you will get the form where you will give consent for Aadhaar authentication. Enter Aadhaar no and name as per Aadhaar. Click on terms and conditions and click on Generate OTP.
Once this is done, fill the online form, upload the documents, and submit the online PMAY2025 form.
We bring to your notice that by simply filling up the application form shall not entitle a citizen to get the benefit of PMAY-U 2.0 scheme, unless the eligibility is verified by the respective States/UTs/ULBs/CNAs/PLIs.
PM Awas Yojana eligibility criteria
It is essential to understand the eligibility criteria for receiving the PMAY subsidy. The eligibility criteria vary between the rural and urban components of the scheme.
PMAY-Gramin (Rural) eligibility
PMAY-Gramin targets rural households lacking adequate housing. Eligibility is primarily determined based on the Socio-Economic Caste Census (SECC) 2011 data, with further verification by Gram Sabhas.
Automatically included households:
- Households living in kutcha houses (0–2 rooms with kutcha walls and roof).
- Households without any shelter.
- Destitute individuals relying on alms.
- Manual scavengers.
- Members of primitive tribal groups.
- Legally released bonded laborers.
Exclusion criteria:
Households meeting any of the following conditions are excluded:
- Ownership of motorized vehicles (two-wheelers, three-wheelers, four-wheelers, or motorized boats).
- Possession of mechanized agricultural equipment.
- Holding a Kisan Credit Card with a credit limit exceeding ₹50,000.
- Presence of a government employee in the household.
- Monthly income of any family member exceeding ₹15,000.
- Payment of income tax or professional tax.
- Ownership of landline phones or refrigerators.
- Ownership of more than 2.5 acres of irrigated land, or 5 acres suitable for two or more crop seasons, or a total of 7.5 acres (irrigated or non-irrigated).Wikipedia
Recent updates have expanded eligibility by increasing the annual income limit from ₹10 lakh to ₹15 lakh and allowing families with assets like bikes or fridges to qualify. Wikipedia
PMAY-Urban (Urban) eligibility
PMAY-Urban focuses on providing housing solutions for urban residents. Eligibility under this scheme is categorized based on annual household income:Wikipedia
- Economically Weaker Section (EWS): Income up to ₹3 lakh.
- Lower Income Group (LIG): Income between ₹3 lakh and ₹6 lakh.
- Middle Income Group I (MIG-I): Income between ₹6 lakh and ₹12 lakh.
- Middle Income Group II (MIG-II): Income between ₹12 lakh and ₹18 lakh.
General eligibility criteria:
- The beneficiary family must not own a pucca house in any part of India.
- The applicant should not have availed any central or state government housing scheme benefits previously.
- For EWS and LIG categories, the scheme supports home construction, enhancement, and renovation.
- Preference is given to female applicants or joint ownership with a female family member.
- The maximum age of the beneficiary should be 70 years.
Important points while applying for PMAY online
- Check who is eligible for PMAY and then only proceed.
- To know this, log on to the PMAY website at https://pmay-urban.gov.in/ and check PMAY-U 2.0 scheme guidelines.
- Have a valid Aadhaar card, else you cannot apply for PMAY unit.
- All the details asked should be filled and should be accurate so that the form is not rejected.
How to apply for Pradhan Mantri Awas Yojana offline?
Applicants can fill the PMAY offline form at state-run Common Service Centres (CSCs) or banks listed under the PMAY. You will have to pay a fee of Rs 25 to fill the PMAY 2025 registration form. Note that the Ministry of Housing and Urban Affairs (MOHUA) has not given authority to any private entity or person to collect a fee from any beneficiary under this scheme.
How to apply for PM Awas Yojana 2025 through bank?
To apply for the PM Awas Yojana through a bank, the beneficiaries should get in touch with the empaneled bank that gives home loans for credit-linked subsidy schemes. Beneficiaries of the Pradhan Mantri Awas Yojana 2025 should submit the PMAY filled form with a copy of Aadhaar Card and other supporting documents to the bank.
What are the documents required for registering with PMAY-U 2.0?
- Applicant’s Aadhaar details
- Aadhaar details of family members
- Active bank account details of the applicant linked with Aadhaar.
- Income proof (Only PDF file, size up to 100kb.)
- Land document (In case of BLC vertical). (Only PDF file, Size up to 1mb.)
Who is not eligible for Pradhan Mantri Awas Yojana 2025?
- People with annual income of more than Rs 18 lakh cannot apply for any PMAY related scheme.
- People who own a pucca house anywhere in the country. However, an exception to this is enhancement of the existing house if the pucca house is less than 21 sqm.
- People who have previously taken any government grant to buy a home
How to apply for PMAY-Gramin?
The Survey to update Awaas Plus list is going on. Interested applicants can download the Awaas Plus app and upload details on the self survey feature.
How to apply for PMAYG online?
- Log on to official website for login PMAYG.
- Fill the Aadhaar details and ‘select to register’. The remaining details will be filled automatically.
- After filling personal details, next give bank details. You can also click on Yes if you (beneficiary) want to avail a loan. Next, enter the loan amount.
- Next enter convergence details by entering job card no and SBM No.
- The last part of the form will be filled by the concerned office.
How to apply for PMAYG offline?
- To apply for PMAYG contact the concerned ward member at the gram panchayat and fill the application form.
- If the PM Awas Yojana Gramin prospective beneficiary is not able to fill the form and wants assistance from a third party, a consent form should be signed and submitted.
What happens after your PMAY form is submitted?
Submitting the PMAY form is just the beginning of the process. Once you complete your application, it undergoes a multi-stage verification before you can be considered for subsidy or allotment. Here’s what happens next:
- Aadhaar authentication and duplication check:
Your application is first validated using your Aadhaar details to ensure that no other family member has already applied or availed benefits under any government housing scheme. If a duplicate entry is detected, the application is rejected at this stage. - Verification by Urban Local Body (ULB) or Gram Panchayat:
In urban areas, the ULB (Municipal Corporation or Nagar Palika) verifies the application by checking your income category, property status, and past housing benefit records. In rural areas, the Gram Sabha or local authorities confirm whether your name is on the SECC list or the Awas+ survey. Physical verification may be done, especially under BLC or PMAY-G. - Shortlisting of beneficiaries:
If all the details are found correct, and you fall under an approved vertical (such as CLSS, BLC, AHP, or ISSR), your name is included in the beneficiary list. This list is published by the state or local authority and uploaded to the PMAY portal. - Notification of selection:
Selected applicants are either informed through SMS alerts, physical letters, or notifications from the local housing board. If you’ve applied online, you can also check the status on the PMAYMIS portal using your Assessment ID. - Credit-Linked Subsidy (if applicable):
For those applying under CLSS, your application is forwarded to the bank or financial institution. Once the home loan is sanctioned and disbursed, the Central Nodal Agency (NHB, HUDCO, or SBI) releases the interest subsidy to the bank. This subsidy is credited upfront to your loan account, reducing the principal. - Rejection and appeal process:
If your application is rejected, no subsidy or allotment is granted. In such cases, you can approach the ULB or use the grievance redressal link on the PMAY-Urban portal to raise an issue or seek clarification. - Final documentation and disbursement:
For successful applicants, especially under BLC and PMAY-G, the next step involves signing agreements, submitting land and building approvals, and receiving funds in stages — typically through DBT (Direct Benefit Transfer).
How long does it take for your PMAY application to be processed?
The processing time for a PMAY application typically ranges from 1 to 3 months, depending on the scheme component (PMAY-Urban or PMAY-Gramin) and the vertical (like CLSS or BLC). Initial Aadhaar and eligibility checks are usually completed within 1–2 weeks, followed by field verification by Urban Local Bodies (ULBs) or Gram Sabhas, which may take several weeks. For CLSS applicants, additional time is required for loan sanctioning and subsidy disbursal by banks and central agencies. Delays can occur due to document issues, local authority backlogs, or pending demand surveys.
What are the benefits of applying for PM Awas Yojana 2025 online?
- You can easily fill the online application.
- Once submitted, the applicant can easily track the status of the application online.
PMAY grievance registration
If you have any grievances that you want the authorities to notice and attend to, you can lodge grievances at https://pmay-urban.gov.in/pgrams/login
PM Awas Yojana 2025 assistance contact details
Manish Joon,
Deputy Secretary
Housing for All Directorate
Ministry of Housing and Urban Affairs
Room no 219, G Wing, NBO Building
Nirman Bhavan, New Delhi-110011
Phone No:
011-23060484, 011-23063620
011-23063567, 011-23061827
MIS: https://pmaymis.gov.in
Website: https://pmay-urban.gov.in
Toll-free number
NHB: 1800-11-3377, 1800-11-3388
SBI: 1800-11-2018
HUDCO: 1800-11-6163
Housing.com POV
The last date for the application of PMAY schemes in phase 1 was December 31, 2024. The online registration for 1 crore PMAY houses has started but the process has changed for applying for PMAY-U 2.0. The verticals in phase 2 have been replaced, which have been explained in detail in this guide. Note that the demand survey for the PMAY is being conducted by the ULBs both online and offline free of cost.
FAQs
What is the maximum subsidy you can get under PMAY?
Under the PMAY Urban 2.0, the Union Cabinet has reduced the maximum subsidy on home loans from Rs 2.67 lakh to Rs 1.80 lakh. The subsidy for the home loan beneficiaries will now be spread over five yearly instalments.
How many houses will be constructed under PMAY as announced in Budget 2024?
Three crore houses will be constructed of which 1 crore houses will be constructed under PMAY –Urban 2.0.
What is the deadline for PMAY 2024 applications?
The Pradhan Mantri Awas Yojana application deadline was December 31, 2024.
How can I download PMAY application form?
Once your application is submitted, go to https://pmaymis.gov.in/, select the ‘Citizen Assessment’ option, and select ‘Print Assessment’ from the drop-down menu.
You can check the application form by selecting one of the following options: By name, father's name and phone number, or By assessment ID. Select your option and click on ‘Print’ button to download the PMAY application form.
Can I apply for PMAY on my own?
Absolutely, eligible beneficiaries have the option to complete their online registration autonomously through the Ministry's official website.
Who is eligible for PMAY benefits?
PMAY is applicable to individuals who own kutcha houses and do not possess pucca houses anywhere in India. Furthermore, the applicant's annual income should not exceed Rs 18 lakh. Lastly, it's important that family members have not previously availed of any other government housing scheme.
Which documents are required for PMAY?
The list of essential address proof documents for PMAY includes the Passport, Voter Card, a document from a public servant verifying your identity and residence, a rental agreement on stamp paper, Residence Address Certificate, Aadhar card, Bank Statements reflecting the address and/or a Life Insurance Policy.
Can I get a home loan for PMAY from any bank?
Certainly, you have the flexibility to obtain a PMAY home loan from any bank.
Can I apply for PMAY twice?
No, PMAY does not permit multiple housing applications from the same individual.
How are beneficiaries identified?
The PMAY scheme follows a demand-driven approach under which states identify eligible beneficiaries through a demand survey, based on specific criteria.
How is PMAY subsidy released to beneficiaries?
The PMAY subsidy is released by the Central Nodal Agencies (CNAs) based on the disbursements made by primary lending institutes (PLIs) to the beneficiaries. Subsidy, so disbursed by the CNA to the PLI is credited by the PLI to the borrower’s account upfront by deducting it from the principal loan amount. As a result, the borrower will pay EMI on the remainder of the principal loan amount.
Can I edit my PMAY online form after submission?
No, one cannot edit their PMAY application once it is submitted. This is why all details must be checked before form submission to ensure accuracy. If there's a genuine need for correction, contact the authorities for guidance.
What is the process after submitting the PMAY online form?
After submitting the form, your application will be verified by officials concerned. If you meet the eligibility criterion, you will be selected for PMAY benefit.
How can I check the status of my PMAY application after filling out the online form?
You can check the status of your PMAY application online through the official PMAY website using your application reference number.
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |
