PMAY – Pradhan Mantri Awas Yojana

Pmay Scheme Pradhan Mantri Awas Yojana Launched By Prime Minister Narendra Modi

The Pradhan Mantri Awas Yojana (PMAY) has been launched by Prime Minister Narendra Modi  on 1 June 2015. PMAY Scheme is an action granted by the Government of India which intends at giving an affordable home to the urban poor. The purpose is to give a home for all by the year 2022, by that time Nation makes 75 years of its Independence.

Following this scheme, affordable houses will be constructed in selected cities and towns practicing eco-friendly construction methods for the advantage of the urban poor population in India. Also, following the Credit Linked Subsidy Scheme, recipients under PMAY Yojana are qualified for interest subsidy if they avail of a loan to buy or construct a house.

Pradhanmantri Aavas Yojna Beneficiaries

  • A beneficiary family will include husband, wife, unmarried sons, and/or unmarried daughters.
  • The beneficiary relationship should not own a pucca house either in his/her name or in the name of any member of his/her family in any part of India
  • Classification and Selection of Beneficiaries under PMAYThe Pradhan Mantri Awas Yojana (Urban) scheme provides mainly to the housing conditions of the urban poor. The scheme also provides the housing requirement of slum residents living in cramped areas of slums with poor infrastructure, poor sanitation, and drinking facilities.
  • Beneficiaries of PMAY(U) mainly cover Middle Income Groups (MIGs), Low-income Groups (LIGs), and Economically Weaker Section (EWS). While the yearly income for EWS category beneficiaries is capped at Rs.3 lakh, the yearly income of LIG and MIG recipients can range between Rs.3-6 lakh and Rs.6-18 lakh respectively.
  • While the beneficiaries from the Economical Weaker Section EWS category are qualified for full assistance under the scheme, beneficiaries from LIG and LIG categories are only eligible for the Credit Linked Subsidy Scheme (CLSS) below PMAY.
  • In order to be seen as a LIG or EWS beneficiary under the Scheme, the candidate is required to present an affirmation as income proof to the authority.

Pradhan Mantri Awas Yojana Subsidy Offers and Benefits






Annual Household income

Up to ₹ 3 lakh

₹3 to ₹ 6 lakh

₹6 to ₹12 lakh

₹12 to ₹18 lakh

Interest rate Subsidy

6.50% p.a.

6.50% p.a.

4.00% p.a.

3.00% p.a.

Home Loan Tenure (Max)

Max 20 years

Max 20 years

Max 20 years

Max 20 years

Max Home Loan Eligibility Amount to Qualify for Subsidy

₹6 lakh

₹ 6 lakh

₹9 lakh

₹12 lakh

Maximum Dwelling Unit Carpet Area

30 sq. m

60 sq. m

160 sq. m

200 sq. m

Maximum Interest Subsidy Amount

₹ 2.67 lakh

₹2.67 lakh

₹ 2.35 lakh

₹ 2.30 lakh

Discount Rate for NPV Calculation of Interest Subsidy






Pradhanmantri Aavas Yojna

Understanding Pradhan Mantri Awas Yojana


     Under PMAY Scheme, the subsidy interest rate is given at 6.50% p.a. on a housing loan for the duration of 20 years to all the beneficiaries.

     Differently abled and senior citizens will be provided preference in the allocation of ground floors.

     Sustainable and eco-friendly technologies would be utilized for construction.

     The scheme includes entire urban areas in the country which covers 4041 legal towns with the first priority given to 500 Class I cities. This will be completed in 3 phases.

     The credit linked subsidy points of the PM Awas Yojana gets executed in India in all statutory towns from the beginning stages itself.

Pradhan Mantri Awas Yojana Urban (PMAY-U)


At now, the Pradhan Mantri Awas Yojana Urban (PMAY-U) has around 4,331 such townships and cities under this scheme. It also covers urban development authority, exclusive area development authority, industrial construction authority, development area, notified planning, and each other government which is held for urban planning and regulations.


The scheme will grow in the following three phases:


Phase 1. To reach 100 cities in select states and UTs between April 2015 and March 2017.


Phase 2. To reach 200 extra cities between April 2017 and March 2019.


Phase 3. To reach the remaining cities mid-April 2019 and March 2022.


As per data from the Ministry of Housing and Urban Affairs, as of 1st July 2019, the growth of PMAY-U in all states and union territories:


  • Confirmed Houses – 83.63 Lakh
  • Furnished Houses – 26.08 Lakh
  • Occupied Houses – 23.97 Lakh


According to the related data, the total amount considered to be invested is Rs. 4,95,838 Crore out of which, Rs. 51,414.5 Crore of funds has already been published.


Pradhan Mantri Awas Yojana Gramin (PMAY-G)


The Pradhan Mantri Awas Yojana Gramin (PMAY-G) was previously called the Indira Awas Yojana and was renamed in March 2016. It is targeted at improving the convenience and affordability of housing for all rural India with the difference between Delhi and Chandigarh.


The aim is to give financial assistance to the homeless and those living in old houses to help them in the construction of Pucca Houses. Beneficiaries residing in plains can receive up to Rs. 1.2 Lakh and those in North-Eastern, hilly areas, Integrated Action Plan (IAP), and challenging areas can avail up to Rs. 1.3 Lakh owing to this housing endeavor. At now, as per data accessible from the Ministry of Rural Development, 1,03,01,107 houses have been approved in all states and UTs.


In an effort to boost the purchases in the real estate area, the Government began PMAY, and this cost of housing development will be distributed between the Central and State Government in the following ways:


  • 60:40 for Plain Regions.
  • 90:10 for North-Eastern and Hilly Areas.

Beneficiaries of this PMAY scheme will be known as per data accessible from the Socio-Economic and Caste Census (SECC) and include –


  • Scheduled classes and scheduled tribes.
  • Non-SC/ST and minorities following BPL.
  • Freed bonded laborers.
  • Next of relatives and widows of paramilitary units and people killed in action, ex-servicemen, and these under a retirement scheme.


PMAY Scheme Objectives

Based on current views, as of September 2019, the people of the urban residents in India grew at an alarming rate and is expected to see a higher rate of growth in the following years. It is assumed that by 2050, the urban resident population will rise to 814 million people. The forecast predicted is almost twice the amount that now resides in urban areas. The major difficulties also involve providing people with housing opportunities that are affordable and other major related matters such as hygiene along with sustainable development. The Ministry also has to secure a sustainable and safe environment for the urban population.

     The main purpose of the PMAY Scheme is housing that is affordable for all by the year 2022.

     It also aims to make it easy for demographics that are specific such as economically challenged groups, women along people applying to minorities such as Scheduled Castes, and Scheduled Tribes.

     The Government’s other purpose is directly in connection with some of the most overlooked demographics which include widows, lower-income group members, transgender and henceforth give them sustainable and affordable housing schemes.

     Special inclinations for ground floor features will be given to differently-abled and senior citizens if required.

     Registration is necessary to avail of the benefits of this scheme which covers the strict beneficiary names to be mothers or wives.

This scheme launch is designed to target urban areas of the next options to States or Union Territories as well as cities as mention earlier.

PMAY Scheme Eligibility

The administration will use The Socio-Economic and Caste Census of 2011 (SECC 2011) to recognize and select the list of PMAY beneficiaries. The Village Panchayats simultaneously with tehsils will be counted for discussion of beneficiaries before making the list under the rural housing scheme. This is running to be done in order to guarantee transparency of the project and also make sure that only the worthy receive the aid in housing.

●    Any household with total annual income between Rs.6 lakh to Rs.18 lakh can demand the PM Awas Yojana. The candidate is allowed to enter the income of the spouse while applying for this scheme.

     Indian citizens who are women may apply. No other demographic will be held as long as they are women.

     The recipient can only buy a new house in order to enjoy Pradhan Mantri Awas Yojana’s benefits. People who previously own a house are not eligible to apply for this scheme. No pucca should be held by the beneficiary or member of the family, in any part of the country.

     People will be permitted to buy/construct new houses only. One cannot avail PMAY gains on already built houses.

     People who refer to the low-income group i.e. LIG and economically weaker parts also known as EWG in the society may also apply.

     Scheduled tribes and castes will also be acceptable.

     Senior citizens and differently-abled will be given first priorities for ground floor housing.


How to Apply for the Pradhan Mantri Awas Yojana Online


     Visit the PM Awas Yojana reliable website

     Below the “Menu” section, find the “Citizen Assessment” option

     Access your 12-digit Aadhaar card number

     Once you have entered your detail Aadhaar information, you will be redirected to the next page i.e. application page

     You will be required to enter your personal details, income details, current residential address, and your bank account details

     Enter all data in the application

     Click on “I am aware of” option at the end of the page and tick the “Save” button

     Once you agree to the “save” option, you will notice a system generated application number which you can save for later reference

     You can download and print the duly-filed application

     Submit the form at your most nearby CSC office centers and financial institution/banks along with the needed documents

Note that Before you fill the PMAY Scheme form, make sure that you have verified your eligibility and your name is listed in the beneficiary list. You can verify if you are eligible by submitting your BPL certificate to the lending organization and they will notify you if you are qualified to apply for the PM Awas Yojana Scheme. Alternatively, you can also compare the list of beneficiaries online by visiting the official website. The list of recipients available on the website is regularly updated. Make sure you review the recent list.

The online application process to Apply for PMAY Scheme is so simple, comfortable, and saves a lot of time. Be sure that you have your savings bank account details and your household income details in hand while applying for Pradhan Mantri Awas Yojana Online.

How to Edit Details After Submitting PMAY Application?

     Visit the official website of Pradhan Mantri Awas Yojana

     Access your application reference number and your Aadhaar details

     Click on the “Edit” button

     You will now be permitted to edit your application details

How to Get Interest Rate Subsidy under Pradhan Mantri Awas Yojana?

●    Apply for a home loan from any registered lending institution asking for a subsidy.

●    The lending organization will review your application and if you are eligible, your application will be transferred to the Central Nodal Agency.

     Upon verification, if your request is approved and no errors are found, the Central Nodal Agency will pay the subsidy amount to the lending institution.

     This money will be credited to your account by the lending organization which will lower your total loan amount.

     You can continue paying the EMIs on the balance loan amount.

Pradhan Mantri Awas Yojana Phrases


The PMAY scheme will be executed in 3 phases. Follow the below tables for more details:


Phase 1

Phase 2

Phase 3

Start date




End date




Cities covered



Remaining cities

Pradhan Mantri Awas Yojana (PMAY) EMI Calculato

Pradhan Mantri Awas Yojana (PMAY) scheme intends to simplify the process of purchasing a home for the urban poor and weaker segments of society through EMIs at cheap rates of interest. The rate of interest is relatively much lesser than commercial rates, thus giving people subsidized loans.

To calculate the EMI log on to the Pradhan Mantri Awas Yojana website and fill in the resulting details: 

     The total loan value in rupees

     The rate of interest

     The total loan period in months

Once the subsequent details are presented, click on the ‘Calculate’ option. This will give you the monthly installment or EMI payable in rupees.

PMAY Functions of Technology Sub-Mission


PMAY Technology Sub Mission will cover the following:

     Better Habitat Designing & Planning of the Houses

     Designing to Grow Environment-Friendly Houses

     Best Construction Practices

     Presenting the Most Innovative Technologies

     Determining the Most Suitable Materials

How Does Pradhan Mantri Awas Yojana Work Through the Borrower’s Bank?

The bank from where the person is taking the loan will need subsidy support for the eligible candidates from the National Housing Bank (NHB). The National Housing Bank will close check to check whether anyone is doing multiple applications under the scheme. Once recorded, the CLSS or subsidy amount will be communicated to the borrower’s Bank. Once the sum is received, the money would be recognized directly to the Loan Account.

PMAY Customer Care Helpline Numbers

In fact of any inquiries associating to the application method, interest rates, and any other scheme similar queries, customers can contact the toll-free helpline number:

     1800-11-6163 (Urban, HUDCO)

     1800-11-3388 (Urban, NHB)

     1800-11-3377 (Urban, NHB)

     1800-11-6446 (Gramin) 

Those facing any circumstances associated with the application process can reach the above toll-free numbers according to the locations.

List of State Level Nodal Agencies for PMAY (U)



Organization Name

Andaman and Nicobar Islands

Municipal Council, Port Blair – 744101

Union Territory of Andaman and Nicobar Islands

Andhra Pradesh

Andhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad – 500029

Andhra Pradesh State Housing Corporation Limited

Andhra Pradesh

Flat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada – 520004

Andhra Pradesh Township Infrastructure Development Corporation Limited

Arunachal Pradesh

Department of Urban Development and Housing, Mob-II, Itanagar

Government of Arunachal Pradesh


Block A, Room no. 219, Assam Secretariat, Dispur, Guwahati – 781006

Government of Assam


Urban Development and Housing Department, Vikas Bhawan, Bailey road, New Secretariat, Patna, Bihar – 15

Government of Bihar


Sector 9-D, Chandigarh – 160017

Chandigarh Housing Board


Mahanadi Bhawan Mantralaya, Room No. S-1/4, Naya Raipur, Chhattisgarh Government of Chhattisgarh

Government of Chhattisgarh

Dadra and Nagar Haveli, and Daman and Diu

Secretariat, Silvassa – 396220

Union Territory of Dadra and Nagar Haveli, and Daman and Diu

Dadra and Nagar Haveli

Secretariat, Silvassa – 396220

Union Territory of Dadra and Nagar Haveli


GSUDA, 6th Floor, Shram Shakti Bhavan, Patto – Panaji

Government of Goa


Affordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar – 382010

Government of Gujarat


Bays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana – 134112

State Urban Development Agency

Himachal Pradesh

Palika Bhawan, Talland, Shimla

Directorate of Urban Development

Jammu and Kashmir

Jammu and Kashmir Housing Board



3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004

Urban Development Department


TRIDA Building, Jn. Medical College, PO Thiruvananthapuram

State Poverty Eradication Mission TRIDA Building, Jn. Medical College, PO Thiruvananthapuram

Madhya Pradesh

Palika Bhawan, Shivaji Nagar, Bhopal – 462016

Urban Administration and Development, GoMP


Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai – 400051

Government of Maharashtra


Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001

Government of Manipur


Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001

Government of Meghalaya


Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram – 796005

Urban Development & Poverty Alleviation, Government of Mizoram


Municipal Affairs cell, A.G. Colony, Kohima – 797001

Government of Nagaland


1st Floor, State Secretariat, Annex – B, Bhubaneswar – 751001

Housing and Urban Development (H&UD) Department


Town & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry – 605005

Government of Puducherry


PUDA Bhawan, Sector 62, SAS Nagar, Mohali, Punjab

Punjab Urban Development Authority


4-SA-24, Jawahar Nagar, Jaipur, Rajasthan

Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO)


Department of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok – 737102

Government of Sikkim

Tamil Nadu

Tamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu – 600005

Government of Tamil Nadu


Commissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, Hyderabad

Government of Telangana


Directorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor, Khadya Bhawan, Agartala – 799006

Government of Tripura


State Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, Dehradun

Directorate of Urban Development


9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore – 560001

Government of Karnataka

West Bengal

ILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata – 700106

State Urban Development Authority

Uttar Pradesh

Navchetana Kendra, 10, Ashok Marg, Lucknow – 226002

State Urban Development Agency (SUDA)