All about Pradhan Mantri Awas Yojana (PMAY)

The Pradhan Manti Awas Yojana (PMAY) targets to eliminate India’s housing shortage by focusing on urban and rural areas under the government’s broader housing-for-all mission. Launched on June 1, 2015, the programme follows a demand-driven approach under which states identify eligible beneficiaries through a demand survey, based on specific criteria.

PMAY: Key highlights

PMAY full form	Pradhan Mantri Awas Yojana
PMAY verticals	PMAY-Urban aka PMAY-Shahri PMAY-Rural aka PMAY-Gramin
Official website	PMAY urban: https://pmaymis.gov.in/ PMAY rural: http://iay.nic.in/
Launch date	June 25, 2015
Valid till	PMAY-Urban: December 31, 2024 PMAY-Gramin: March 31, 2024
Address	Pradhan Mantri Awas Yojana (Urban) Ministry of Housing and Urban Affairs Nirman Bhawan, New Delhi-110011
PMAY components	In-Situ Slum Redevelopment Credit Linked Subsidy Scheme Affordable Housing in Partnership Beneficiary-led Construction Scheme
Toll free number	1800-11-6163 – HUDCO 1800 11 3377, 1800 11 3388 – NHB

Find out how to fill Pradhan Mantri Awas Yojana Online Form 

 

Also read our guide on how to check PMAY status.

PMAY categories

The scheme has two components:

PMAY- Urban also known as the Pradhan Mantri Awas Yojana-Shahri

PMAY-Rural also known as the Pradhan Mantri Awas Yojana-Gramin

PMAY-Gramin or PMAY-Rural

To address the housing shortage in rural areas, the government restructured the Indira Awas Yojana (IAY) into the Pradhan Mantri Awas Yojana-Gramin (PMAY-G) with effect from April 1, 2016. The PMAY-G (or PMAY Rural) programme aims to replace the kuccha homes in India’s villages with pucca homes. In December 2021, the Cabinet had approved the extension of the PMAY-Gramin scheme till March 2024.

A total of 2.50 crore houses have also been completed under the Centre’s Pradhan Mantri Awas Yojana-Gramin till November 29, 2023, Parliament was informed on December 5, 2023. Against the mandated target of 2.95 crore houses under the government’s flagship scheme, more than 2.94 crore houses have already been sanctioned to the beneficiaries by various states, Union Minister of State for Rural Development Sadhvi Niranjan Jyoti told the Lok Sabha in a written reply. The Centre has released around Rs 1,60,853.38 crore for the construction of houses under the PMAY-G during the last five years, from the financial year 2018-19 to 2022-23, the minister added.  The corresponding utilisation of funds by states was Rs 2, 39,334.02 crore, including state/UT share.

Here is how to check PMAY status online

 

PMAY-Urban or PMAY-Urban

Launched on June 25, 2015, the PMAY Urban mission aims to end housing shortage in India’s urban areas. All in all, the government plans to build 20 million homes under the PMAY-U mission. As against the prior deadline of March 31, 2022, the urban scheme has now been extended till December 31, 2024.

1.19 crore homes sanctioned under PMAY-U

The government has sanctioned a total of 1.19 crore housing units under its flagship Pradhan Mantri Awas Yojana-Urban (PMAY-U) scheme, housing minister Hardeep Singh Puri said on August 31. The minister said that the groundwork for over 113 lakh units for construction has also been done.  Of these, 76.34 lakh units have been completed and delivered to the PMAY-U beneficiaries. More than 94 lakh houses under the PMAY-U were in the name of women or joint ownership, the minister informed.

Verticals of PMAY

The PMAY is divided in four verticals. These include:

In-situ Slum Redevelopment (ISSR)

Stands for rehabilitation of slums by building houses through private participation for the eligible slum dwellers on the land under the slums.

 

Credit-Linked Subsidy Scheme (CLSS)

Provides for central subsidy on home loans of between Rs 6 lakhs and Rs 12 lakhs at lower rates of interest, for the construction of new homes or renovation of existing homes.

 

Affordable Housing in Partnership (AHP)

States to build affordable housing projects with central assistance of Rs 1,50,000, either through central agencies or in partnership with the private sector for the EWS category.

 

Beneficiary-led individual house construction/enhancements (BLC)

Makes provisions that people belonging to the EWS category can either construct a new house or enhance the existing house on their own with central assistance of Rs 1,50,000.

PMAY Credit-Linked Subsidy Scheme (CLSS)

Under the Credit-Linked Subsidy Scheme (CLSS), borrowers can get a certain amount from their overall home loan at subsidised rates, depending on the buyer category they fall in.

Pradhan Mantri Awas Yojana: Beneficiary categories 

Beneficiaries under the PMAY list are divided into four categories, based on the annual income of the household.

Beneficiary	Annual income of the household
Economically Weaker Section (EWS)	Up to Rs 3 lakh
Lower Income Group (LIG)	Rs 3 lakh to Rs 6 lakh
Middle Income Group-1 (MIG-1)	Rs 6 lakh to Rs 12 lakh
Middle Income Group-2 (MIG-2)	Rs 12 lakh to Rs 18 lakh

Source: Housing Ministry

PMAY beneficiary eligibility

Family status

A family of husband, wife and unmarried children are considered a household, according to the parameters set under the Pradhan Mantri Aawas Yojana. A beneficiary applying for benefits under this scheme should not own a pucca house, either in his name or in the name of any member of his family, in any part of India.

Home ownership

People with a pucca house of less than 21 sq metres may be included under enhancement of the existing house.

Age

Adult earning members of a family are considered a separate household and thus, a beneficiary of the scheme, irrespective of their marital status.

Marital status

In the case of married couples, either of the spouses or both together in joint ownership, will be eligible for a single house, provided they meet the income eligibility criteria of the household under the scheme.

Category

The beneficiaries from the EWS category are eligible for assistance in all four verticals of the missions, whereas the LIG/MIG category is eligible under only the CLSS component of the mission. People belonging to the SC, the ST and the OBC categories and women belonging to the EWS and the LIG are also eligible to avail of benefits under the Pradhan Mantri Awas Yojana.

See also: How to use PMAY CLSS tracker portal to track application status

Carpet area limit under PMAY  

Category of applicant	Annual income in Rs	House carpet area in sqm	House carpet area in sqft
EWS	3 lakh	60	645.83
LIG	6 lakh	60	645.83
MIG-1	6-12 lakh	160	1,722.33
MIG-2	12-18 lakh	200	2,152.78

Source: Housing Ministry

To have a clearer understanding of the term, read our guide on carpet area.

PMAY interest subsidy under CLSS

Buyer category	Interest subsidy/ annum	Upper limit for loan for which subsidy is given
EWS	6.50%	Rs 6 lakh
LIG	6.50%	Rs 6 lakh
MIG -1	4.00%	Rs 9 lakh
MIG-2	3.00%	Rs 12 lakh

Source: Housing Ministry

1. Any additional loans beyond the subsidised loan amount, will be at non-subsidised rates.
2. The loans should have been used either for purchase of an under-construction property or from the secondary market or to construct your own home.
3. Under the PMAY guidelines, the house bought by availing of a loan under this scheme, should be in the name of the woman of the household for the EWS and LIG categories. Ownership by women is not mandatory in case a unit is being developed using a land parcel.

PMAY subsidy calculator

Using the PMAY subsidy calculator at the official portal, https://pmayuclap.gov.in/content/html/Subsidy-Calc.html, you can know the exact amount of money you will receive from the government as the subsidy under the CLSS. To calculate the amount, you will have to key in details like your annual income, loan amount, loan tenure, type of units (whether pucca or kuccha), ownership type (women ownership is a must in EWS and LIG homes) and area of the unit.

Apart from displaying the subsidy amount, the page will also display the subsidy category, i.e., EWS, LIG, MIG-1 or MIG-2.

 

Subsidy amount under PMAY for various categories

Borrower category	EWS	LIG	MIG-1	MIG-2
PMAY CLSS subsidy amount	Rs 2.20 lakh	Rs 2.67 lakh	Rs 2.35 lakh	Rs 2.30 lakh

Source: Housing Ministry

 

What is the maximum subsidy you can get under PMAY?

The maximum subsidy under the PMAY scheme is Rs 2.67 lakh (Rs 2,67,280 to be exact).

PMAY home loan subsidy benefit timeline

For the EWS and LIG categories, the subsidy benefit is available on home loans that are disbursed on or after June 17, 2015. In case of MIG-1 and MIG-2 categories, the subsidy benefit is available on home loans that are disbursed on or after April 1, 2017.

How the subsidy under PMAY reaches you?

Once your application for subsidy under the PMAY programme is approved, funds are transferred from the central nodal agency (CNA) to the bank (referred to as prime lending institutions or PLI in government documents) from where the beneficiary has borrowed his home loan. The bank will then credit this amount to the home loan account of the borrower. This money will then be deducted from your outstanding home loan principal. So if you have received Rs 2 lakhs as the PMAY subsidy and your outstanding loan amount is Rs 30 lakhs, it would reduce to Rs 28 lakhs after the subsidy.

See also: How does the PMAY interest subsidy scheme for EWS and LIG work?

 

Helpline numbers to inquire about CLSS

NHB toll-free number

1800-11-3377

1800-11-3388

 

HUDCO toll-free number

1800-11-6163

 

How to apply for PM Awas Yojana online in 2023?

First of all, remember that only a candidate with an Aadhaar card can apply for the benefits of the PMAY scheme. To apply online, keep your Aadhaar number handy and visit the PMAY portal at 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.

 

 

If you are applying for the CLSS subsidy, your application must be submitted to your home loan provider.

 

How to apply offline for PMAY in 2023?

Eligible candidates can obtain and fill forms in this regard available at common service centres (CSCs). They have to pay a nominal fee of Rs 25 plus GST on purchase of the PMAY subsidy form. CSCs are the access point to avail of essential public utility services in rural parts of India.

Know about: pm awas yojana

Last date to apply for PMAY CLSS subsidy

In May 2020, finance minister Nirmala Sitharaman said the last date of the Pradhan Mantri Awas Yojana Credit-Linked Subsidy Scheme for the MIG-1 and MIG-2 categories had been extended till March 31, 2021. For the LIG and EWS categories, however, the last date is March 31, 2022.

 

Time taken to get subsidy amount from PMAY

It takes nearly 3-4 months for an application to be processed.

PMAY home loan: Important points 

Aadhaar must

All home loan accounts under the PMAY scheme will be linked to the Aadhaar numbers of the beneficiary.

Cap on tenure

Tenure The subsidy is available for a maximum tenor of 20 years only.

No interest rate concession

The lender from where you have taken a home loan will charge an interest rate that is prevailing at the bank.

Loan transfer caveat

If you switch your lender to avail of benefits of low interest rates, even though you have already availed of the interest subvention benefit under the CLSS, then, you will not be eligible for the interest subvention benefit again.

 

How to check PMAY subsidy status?

You can check your PMAY application status by following some simple steps. To check your PMAY status online, read our step-by-step guide on How to track your PMAY application status?

 

How to download PMAY application form?

Visit the official website of the PMAY and click on the ‘Citizen Assessment’ option. From the drop-down menu, select ‘Track Your Assessment Status’.

Once you click on this option, you will get the Track Assessment Form. Select either ‘By Name, Father’s Name and Mobile Number’ or ‘By Assessment ID’.

Enter the required details and click on ‘Submit’ to access the application form. Once the form appears on the screen, click on ‘Print’.

Banks offering home loans under PMAY

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

 

Key facts about PMAY

Full form of CNAs in PMAY context

The term CNA stands for central nodal agency. In case of PMAY, National Housing Bank (NHB), HUDCO and SBI have been appointed as the central nodal agencies.

Process to get the assessment ID for PMAY

The assessment ID for the PMAY is generated by the official PMAY portal, after an applicant successfully completes the registration process. This ID is used to track the status of the application.

 

Banks eligible to provide PMAY home loan

A large number of banks, housing finance companies, regional rural banks, cooperative banks and non-banking finance companies (NFCs) have tied up with the central nodal agencies, HUDCO, SBI and NHB, to offer home loans under various verticals of the PMAY. Formally christened as the primary lending institutions (PLIs) under the official PMAY documentation, these financial institutions, which are as large as 244 in number according to official figures provided in 2017, also offer individual home buyers with the credit-linked subsidy, among other loans under the programme. Listed below are the top state-run and private lenders offering credit subsidy on home loans under the PMAY programme.

Top public banks that offer PMAY subsidy

Bank	Website	Associated central nodal agency
State Bank of India	www.sbi.co.in	NHB
Punjab National Bank	www.pnbindia.in	NHB
Allahabad Bank	www.allahabadbank.in	NHB
Bank of Baroda	www.bankofbaroda.co.in	NHB
Bank of India	www.bankofindia.com	NHB
Bank of Maharashtra	www.bankofmaharashtra.in	NHB
Canara Bank	www.canarabank.in	NHB
Central Bank of India	www.centralbankofindia.co.in	HUDCO
Corporation Bank	www.corpbank.com	NHB
Dena Bank	www.denabank.co.in	NHB
IDBI Bank	www.idbi.com	NHB
Indian Bank	www.indian-bank.com	NHB
Indian Overseas Bank	www.iob.in	NHB
Oriental Bank of Commerce	www.obcindia.co.in	NHB
Punjab & Sind Bank	www.psbindia.com	NHB
Syndicate Bank	www.syndicatebank.in	NHB
UCO Bank	www.ucobank.com	NHB
Union Bank of India	www.unionbankonline.co.in	NHB
United Bank of India	www.unitedbankofindia.com	NHB
Vijaya Bank	www.vijayabank.com	HUDCO

 

Top private banks that offer PMAY subsidy

Bank	Website	Associated central nodal agency
Axis Bank	www.axisbank.com	NHB
ICICI Bank	www.icicibank.com	NHB
HDFC Bank	www.HDFC.com	NHB
Kotak Mahindra Bank	www.kotak.com	NHB
LIC Housing Finance	www.lichousing.com	NHB
Karnataka Bank	www.karnatakabank.com	NHB
Karur Vysya Bank	www.kvb.co.in	NHB
IDFC Bank	www.idfcbank.com	NHB
Jammu & Kashmir Bank	www.jkbank.net	HUDCO
Bandhan Bank	www.bandhanbank.com	NHB
Dhanlaxmi Bank	www.dhanbank.com	HUDCO
Deutsche Bank AG	www.deutschebank.co.in	NHB
South Indian Bank	www.southindianbank.com	HUDCO
Lakshmi Vilas Bank	www.lvbank.com	NHB
Aadhar Housing Finance	www.aadharhousing.com	NHB
Aditya Birla Housing Finance	www.adityabirlahomeloans.com	NHB
Bajaj Housing Finance	www.bajajfinserv.in	NHB
PNB Housing Finance	www.pnbhousing.com	NHB

 

List of state-level PMAY-U nodal agencies

State	Organisation	Address	Email ID
Andaman & Nicobar Islands	UT of Andaman & Nicobar Islands	Municipal Council, Port Blair – 744101	[email protected]
Andhra Pradesh	Andhra Pradesh Township Infrastructure Development Corporation Limited	Flat no 502, Vijaya Lakshmi Residency, Gunadhala, Vijayawada – 520004	[email protected] [email protected]
Andhra Pradesh	Andhra Pradesh State Housing Corporation Limited	AP State Housing Corporation Ltd, Himayatnagar, Hyderabad – 500029	[email protected]
Arunachal Pradesh	Government of Arunachal Pradesh	Department of Urban Development and Housing, Mob-II, Itanagar	[email protected] [email protected]
Assam	Government of Assam	Block A, Room no 219, Assam Secretariat, Dispur, Guwahati – 781006	[email protected]
Bihar	Government of Bihar	Urban Development and Housing Department, Vikash Bhavan, Bailey Road, New Sectt, Patna – 15, Bihar	[email protected]
Chandigarh	Chandigarh Housing Board	Sec 9D, Chandigarh, 160017	[email protected] [email protected]
Chhattisgarh	Government of Chhattisgarh	Mahanadi Bhawan, Mantralaya D Naya Raipur, Chhattisgarh, Room no S-1/4	[email protected]
Dadra & Nagar Haveli and Daman & Diu	UT of Dadra & Nagar Haveli and Daman & Diu	Secretariat, Silvassa, 396220	[email protected]
Dadra & Nagar Haveli	UT of Dadra & Nagar Haveli	Secretariat, Silvassa, 396220	[email protected]
Goa	Goa government	GSUDA 6th Floor, Shramshakti Bhavan, Patto – Panaji	[email protected]
Gujarat	Gujarat government	Affordable Housing Mission, New Sachivalya, Blk no 14/7, 7th floor, Gandhinagar – 382010	[email protected] [email protected]
Haryana	State Urban Development Agency	Bays 11-14, Palika Bhavan, Sector 4, Panchkula – 134112, Haryana	[email protected]
Himachal Pradesh	Directorate of Urban Development	Palika Bhavan, Talland, Shimla	[email protected]
Jammu & Kashmir	J&K Housing Board		[email protected] [email protected]
Jharkhand	Urban Development Department	3rd floor, Room No 326, FFP Building, Dhurwa, Ranchi, Jharkhand, 834004	[email protected] [email protected]
Kerala	State Poverty Eradication Mission	TRIDA Building, JN Medical College, PO Thiruvananthapuram	[email protected]
Madhya Pradesh	Urban Administration and Development	GoMP Palika Bhawan, Shivaji Nagar, Bhopal, 462016	[email protected] [email protected]
Maharashtra	Maharashtra government	Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai 400051	[email protected] [email protected]
Manipur	Government of Manipur	Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001	[email protected] [email protected]
Meghalaya	Government of Meghalaya	Raitong Building , Meghalaya Civil Secretariat, Shillong, 793001	[email protected]
Mizoram	Urban Development & Poverty Alleviation	Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram, Pin: 796005	[email protected]
Nagaland	Nagaland government	Municipal Affairs Cell, AG Colony, Kohima – 797001	[email protected]
Odisha	Housing & Urban Development Department	1st Floor, State Secretariat, Annex – B, Bhubaneswar – 751001	[email protected]
Puducherry	Government of Puducherry	Town & Country Planning Department, Jawahar Nagar, Boomianpet, Puducherry – 605005	[email protected]
Punjab	Punjab Urban Development Authority	PUDA Bhavan, Sector 62, SAS Nagar, Mohali, Punjab	[email protected] [email protected]
Rajasthan	Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO)	4-SA-24, Jawahar Nagar, Jaipur	[email protected]
Sikkim	Government of Sikkim	Department of UD & Housing, Government of Sikkim, NH 31A, Gangtok, 737102	[email protected]
Tamil Nadu	Government of Tamil Nadu	Tamil Nadu Slum Clearance Board, No 5 Kamarajar Salai, Chennai – 600005	[email protected]
Telangana	Government of Telangana	Commissioner and Director of Municipal Administration, 3rd Floor, Ac Guards Public Health, Lakdikapool, Hyderabad	[email protected]
Tripura	Government of Tripura	Directorate Of Urban Development, Government of Tripura, Pt. Nehru Complex, Gorakha Basti, 3rd Floor, Khadya Bhawan, Agartala. Pin: 799006	[email protected]
Uttarakhand	Directorate of Urban Development	State Urban Development Authority, 85A, Motharawala Road, Ajabpur kalan, Dehradun	[email protected]
Karnataka	Government of Karnataka	9th Floor, Vishweshwaraiah Towers, Dr Ambedkar Veedhi, Bangalore, 560001	[email protected]
West Bengal	State Urban Development Authority	ILGUS Bhaban, Block HC Block, Sector 3, Bidhannagar, Kolkata – 700106	[email protected]
Uttar Pradesh	State Urban Development Agency (SUDA)	Navchetna Kendra, 10, Ashoka Marg, Lucknow 226002	[email protected]

(Source: PMAY website)

latest news

Govt may announce PMAY extension; new interest subsidy scheme in Budget

January 17, 2024: Finance minister Nirmala Sitharaman is likely to announce an extension to its flagship housing scheme, the Pradhan Mantri Awas Yojana, when she presents the Interim Budget on February 1, says a report by Reuters, citing sources.  The urban component of the is set to expire on December 31, 2024. The PMAY-Gramin on the other hand expires March 31 this year. Meanwhile, the government is also giving finals touches to a new home loan interest subsidy scheme, minister of housing and urban affairs Hardeep Singh Puri said on January 12. The scheme, which will replace the discontinued Credit Linked Subsidy Scheme (CLSS), was announced by Prime Minister Narendra Modi in his Independence Day speech in 2023.

78.15 lakh homes delivered under PMAY-U: Govt  

December 8, 2023:A total of 78.15 lakh houses have been built and delivered to beneficiaries under the urban component of the Pradhan Mantri Awas Yojana (PMAY), government data till November 20. 2023, show.  Based on the proposals received from states, a total of 118.63 lakh houses have been sanctioned under the PMAY-U scheme, minister of state for housing and urban affairs Kaushal Kishore told the Lok Sabha in a written reply on December 7. Of the total 1.18 crore units sanctioned so far, 20.64 lakh houses have been sanctioned for slum dwellers under various verticals of the mission, the minister added.

3.21 cr homes completed under PMAY-G in 9 years

Under the PMAY-G, 3.21 crore houses have been completed in the past nine years in India’s rural areas, rural development and panchayati raj minister Giriraj Singh told the media on October 20, 2023. A total assistance of RS 2.48 lakh crore was provided for house construction to the beneficiaries in these nine years, the minister added.

FAQs

Who is eligible for the PMAY?

People from the Economically Weaker Sections (EWS), Low-Income Group (LIG), Middle-Income Group I (MIG I) and Middle-Income Group II (MIG II) are eligible for the PMAY.

How to apply for the PMAY?

You can apply for the PMAY by visiting the PMAY official website or by visiting a Common Service Centre.

What documents are required to apply for the PMAY?

Documents required for applying for the PMAY are identity proof, address proof, income proof and property papers.

Is home ownership affordable in India?

It is difficult to say that housing is affordable in India. However, easier access to mortgage finance, longer loan tenures, higher loan-to-value ratios and tax incentives have made home ownership slightly more affordable.

Did India have a low-cost housing scheme for its poor prior to PMAY?

While efforts to provide low cost housing have been made for many years (National Housing Policy, 1994; Jawaharlal Nehru National Urban Renewal Mission, 2005; Rajiv Awas Yojana 2013), the Pradhan Mantri Awas Yojana (PMAY) launched in 2015, with the aim to provide ‘Housing for All by 2022’, provided a fresh impetus to the segment. It has two components – the PMAY Urban (PMAY-U) and the PMAY-Gramin (PMAY-G).

Is Jawaharlal Nehru National Urban Renewal Mission, 2005 still active?

No, the PMAY-U, launched in 2015, subsumes all the previous urban housing schemes and aims to address the urban housing shortage of 20 million by 2022.

What is EWS category under PMAY?

Those with income of up to Rs 3 lakh fall under the EWS category of buyers as defined under the PMAY and get an interest subsidy of 6.5% on a loan amount of up to Rs 6 lakh.

What is LIG category under PMAY?

Those with income between Rs 3 lakh and Rs 6 lakh fall under the LIG category of buyers as defined by the PMAY and get an interest subsidy of 6.5% on a loan amount of up to Rs 6 lakh.

What is MIG-1 category under PMAY?

Those with income between Rs 6 lakh and Rs 12 lakh fall under the MIG-1 category of buyers as defined by the PMAY and get an interest subsidy of 4% on a loan amount of up to Rs 9 lakh.

What is MIG-2 category under PMAY?

Those with annual income between Rs 12 lakh and Rs 18 lakh fall under the MIG-2 category of buyers as defined by the PMAY and get an interest subsidy of 3% on a loan amount of up to Rs 12 lakh.

 

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 [email protected]