PM Awas Yojana — Free/Subsidized Housing for Eligible Indians
What is PM Awas Yojana?
The Pradhan Mantri Awas Yojana (PMAY) is a central government scheme that provides affordable housing to urban and rural poor. The scheme has two parts:
- PMAY-Urban (PMAY-U): For people living in urban areas
- PMAY-Gramin (PMAY-G): For people living in rural areas
Who is Eligible?
Income Categories (Urban)
| Category | Annual Income | Subsidy |
|---|---|---|
| EWS (Economically Weaker Section) | Up to ₹3 lakh | ₹2.67 lakh |
| LIG (Low Income Group) | ₹3–6 lakh | ₹2.67 lakh |
| MIG-I (Middle Income Group I) | ₹6–12 lakh | ₹2.35 lakh |
| MIG-II (Middle Income Group II) | ₹12–18 lakh | ₹2.30 lakh |
You Are Eligible If:
- You do not own a pucca house anywhere in India
- You or any family member has not benefited from any central housing scheme before
- You have a valid Aadhaar card
- Your family income falls in one of the above categories
A "family" means husband, wife, and unmarried children.
Benefits of the Scheme
- Interest Subsidy: You get a subsidy on your home loan interest (this is called CLSS — Credit Linked Subsidy Scheme)
- Direct Benefit Transfer: For EWS/LIG, you may get direct monetary assistance for construction
- Carpet Area Limit: 30 sq m for EWS, 60 sq m for LIG, 160 sq m for MIG-I, 200 sq m for MIG-II
How to Apply — Step by Step
Online Application
- Visit pmaymis.gov.in (official PMAY portal)
- Click "Citizen Assessment"
- Enter your Aadhaar number
- Fill in the application form with family and income details
- Submit and note your Application Reference Number
Through Bank
You can also apply through any of these banks:
- State Bank of India
- HDFC, ICICI, Axis, PNB (and most major banks)
- Housing Finance Companies (HFCs)
Through Municipality / Gram Panchayat
For rural applicants, visit your local Gram Panchayat and ask for the PMAY-G application form.
Documents Required
- Aadhaar Card (mandatory)
- Income proof (salary slip / IT return / Form 16)
- Bank account statement (last 6 months)
- Property documents (if applicable)
- Caste certificate (for SC/ST applicants)
Check Your Application Status
- Visit pmaymis.gov.in
- Click "Track Your Assessment Status"
- Enter Application ID or Aadhaar number
Common Reasons for Rejection
- Aadhaar details mismatch
- Already owns a house
- Income above the ceiling
- Incomplete documentation
Helpline
PMAY Helpline: 1800-11-6163 (Toll Free) Email: helpdesk-pmayg@gov.in