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Pradhan Mantri Awas Yojana

Financial assistance and interest subsidy to help economically weaker and low-income families build or buy a pucca house.

Ministry of Housing & Urban Affairs / Rural DevelopmentUpdated 18 April 2025
Pradhan Mantri Awas Yojana

Overview

PMAY aims to provide a pucca house with basic amenities to all eligible families in urban (PMAY-U) and rural (PMAY-G) India.

Under the urban component, beneficiaries can receive a Credit Linked Subsidy on home loans, while rural beneficiaries get direct construction assistance.

The scheme emphasises women ownership, sustainable construction and financial inclusion.

Eligibility Criteria

  • Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG) families as per income slabs.
  • The beneficiary family must not own a pucca house anywhere in India.
  • Preference is given to houses owned or co-owned by a woman member.

Key Benefits

  • Interest subsidy on home loans under the Credit Linked Subsidy Scheme (CLSS) for urban beneficiaries.
  • Direct financial assistance for house construction in rural areas.
  • Support for basic amenities such as toilets, water and electricity connections through convergence.

Required Documents

Aadhaar card of all family members
Income certificate
Bank account details
Proof of no existing pucca house (self-declaration)

How to Apply

  1. 1Determine whether you fall under the urban (PMAY-U) or rural (PMAY-G) component.
  2. 2For urban areas, apply online on the PMAY-U portal or through a CSC.
  3. 3For rural areas, registration is done through the Gram Panchayat and the AwaasSoft/AwaasApp system.
  4. 4Verify your details and track approval and instalment status online.

Important Dates

PMAY-Urban launchedJune 2015
PMAY-Gramin launchedNovember 2016

Apply on the Official Website

Always apply and verify details on the official government portal.

Frequently Asked Questions

Common questions about PMAY.

EWS, LIG and MIG families that do not already own a pucca house in India can apply, subject to income limits and other criteria.

Under the urban Credit Linked Subsidy Scheme, eligible borrowers receive an interest subsidy that reduces their overall home-loan cost.

affordable housinghome loan subsidypucca house
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