PM Awas Yojana

Written & fact-checked by Riya Sharma · Editor, Schemes In India

Last verified: 31 May 2026 · How we verify scheme facts

What is PM Awas Yojana?

Pradhan Mantri Awas Yojana (PMAY), launched in 2016, is India's largest housing programme providing financial assistance to build pucca houses for economically weaker sections. Under PMAY-Gramin (rural), eligible BPL families receive ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly or north-eastern states paid directly through DBT. Under PMAY-Urban, first-time homebuyers in EWS (annual income up to ₹3 lakh) get 6.5% interest subsidy on home loans up to ₹6 lakh, reducing monthly EMI significantly. LIG (income ₹3–6 lakh) gets 6.5%, MIG-I (₹6–12 lakh) gets 4%, and MIG-II (₹12–18 lakh) gets 3% subsidy under the Credit Linked Subsidy Scheme (CLSS). Beneficiaries are selected through the SECC database and state government surveys. Over 2.1 crore PMAY houses have been completed as of 2026.

PM Awas Yojana — Quick Overview

Scheme Name	PM Awas Yojana 2026 — Pradhan Mantri Awas Yojana Gramin & Urban Subsidy
Launched By	Government of India
Launch Year	2016
Benefit	PMAY-Gramin ₹1.20–1.30 lakh + PMAY-Urban CLSS interest subsidy up to ₹2.67 lakh + Beneficiary-Led Construction (BLC) ₹2.5 lakh — 2.1 crore houses completed
Category	Housing
Last Verified	31 May 2026
Official Portal	https://pmayg.nic.in

🏴Hindi me Jankari

प्रधानमंत्री आवास योजना (PMAY) भारत की सबसे बड़ी आवास योजना है — 2016 में शुरू। ग्रामीण क्षेत्रों में BPL परिवारों को ₹1.20 लाख (मैदानी) और ₹1.30 लाख (पहाड़ी/उत्तर-पूर्व) DBT से मिलते हैं। शहरी क्षेत्रों में पहली बार घर खरीदने वालों को CLSS (क्रेडिट लिंक्ड सब्सिडी स्कीम) के तहत ब्याज सब्सिडी मिलती है — EWS/LIG को 6.5%, MIG-I को 4%, MIG-II को 3% — कुल ₹2.67 लाख तक। अब तक 2.1 करोड़+ घर बन चुके हैं। 2027 तक 3 करोड़ घर का लक्ष्य।

PMAY-ग्रामीण ₹1.20–1.30 लाख + PMAY-शहरी CLSS ब्याज सब्सिडी ₹2.67 लाख तक + BLC ₹2.5 लाख

Benefits of PM Awas Yojana

PMAY-Gramin ₹1.20–1.30 lakh + PMAY-Urban CLSS interest subsidy up to ₹2.67 lakh + Beneficiary-Led Construction (BLC) ₹2.5 lakh — 2.1 crore houses completed

Who is Eligible for PM Awas Yojana?

✓BPL (Below Poverty Line) family with no pucca house anywhere in India
✓Has not availed any government housing benefit previously
✓For PMAY-Gramin (rural): Rural household identified in SECC 2011 / AwaasSoft database
✓For PMAY-Urban EWS: Annual household income below ₹3 lakh
✓For PMAY-Urban LIG: Annual household income ₹3–6 lakh
✓For PMAY-Urban MIG-I/MIG-II: Annual income ₹6–18 lakh (CLSS interest subsidy)
✓Woman ownership/co-ownership mandatory for PMAY-Urban (except single-male household)

Documents Required for PM Awas Yojana

0/7 documents ready

How to Apply for PM Awas Yojana Online?

1Rural (PMAY-G): Contact your Gram Panchayat to check if your name is in the approved PMAY-G beneficiary list at pmayg.nic.in → 'Awaassoft' → 'Report'
2If selected, receive your Awaas Number and login credentials for the AwaasApp or AwaasSoft portal
3Complete geo-tagging of your construction plot and upload household details in AwaasApp
4First installment of ₹25,000–₹40,000 is credited once your BDO verifies the application
5Upload construction progress photos (foundation, lintel, roof) at each stage to unlock subsequent installments
6Final installment released on completion — total ₹1.20 lakh (plain) or ₹1.30 lakh (hilly/NE states)
7Urban (PMAY-U CLSS): Apply through any listed bank — SBI, HDFC, ICICI, BOB, or housing finance company
8Submit PMAY-U subsidy claim form along with income certificate and home loan application at the bank
9Bank forwards your CLSS claim to NHB/HUDCO — subsidy is credited directly to your loan account
10Track PMAY application status at pmaymis.gov.in (urban) or pmayg.nic.in (rural)

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Official Government Portal

Submit your application yourself on pmayg.nic.in; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.

🔗Apply on pmayg.nic.in

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Apply Together — Scheme Bundles

These schemes complement PM Awas Yojana. Apply for all of them together to maximise your benefits.

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Housing & Home Utilities Bundle

Pucca house + free LPG connection — apply at the same Gram Panchayat

PM Ujjwala →

Real-Life Examples — Are You Eligible for PM Awas Yojana?

Which of these PM Awas Yojana profiles sounds most like you?

✅

Ramlal, a rural BPL family with no pucca house, name in the SECC/AwaasSoft list

Eligible — eligible for PMAY-Gramin (₹1.20–1.30 lakh)

✅

Sunita, urban EWS, family income ₹2.8 lakh, taking her first home loan

Eligible — eligible for the PMAY-Urban CLSS interest subsidy

✅

Mohan, urban MIG-I family income ₹10 lakh, first home

Eligible — eligible for the 4% MIG-I interest subsidy under CLSS

❌

Geeta, who already owns a pucca house in her village

Not eligible — no family member may own a pucca house anywhere in India

❌

Raju, who already received a PMAY/IAY house earlier

Not eligible — the housing benefit is one-time only

❌

Anita, rural but not listed in the SECC/AwaasSoft survey

Not eligible — PMAY-G selection comes from the SECC list — she should get verified at her Gram Panchayat

Every case differs — confirm your eligibility on the official portal first.

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Common Mistakes — Why PM Awas Yojana Applications Get Rejected

✗Owning a pucca house anywhere in India (in any family member's name) — disqualifies the family.
✗Rural: expecting to apply freely — PMAY-G selection comes from the SECC/AwaasSoft list, not open application.
✗Income above your category limit for PMAY-Urban CLSS (EWS ₹3L / LIG ₹6L / MIG ₹18L).
✗A false 'no pucca house' affidavit — it is verified by field survey and geo-tagging.
✗Bank account not Aadhaar-linked — installments fail.
✗Rural: not uploading construction-stage photos/geo-tags — this stops the next installment.

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Insider Tips for PM Awas Yojana

→Rural: first check your name in the PMAY-G list at pmayg.nic.in (AwaasSoft → Report) or with your Gram Panchayat.
→Urban (CLSS): apply through your home-loan bank — the subsidy is credited to your loan account via NHB/HUDCO.
→Register the house in a woman's name — it is mandatory for PMAY-Urban (except single-male households).
→Rural: upload each construction-stage photo promptly to unlock the next installment.
→Keep your SECC/BPL proof, land/patta papers and Aadhaar-linked bank account ready.

Frequently Asked Questions — PM Awas Yojana

What is PM Awas Yojana (PMAY)?−

Pradhan Mantri Awas Yojana (PMAY) is India's flagship housing scheme launched in 2016 to provide pucca houses to all BPL/EWS/LIG/MIG families by 2027. Two arms: PMAY-Gramin (rural ₹1.20-1.30 lakh DBT) under Ministry of Rural Development, and PMAY-Urban (CLSS interest subsidy up to ₹2.67 lakh) under Ministry of Housing & Urban Affairs. 2.1 crore+ houses completed as of 2026.

How much subsidy is given under PMAY-Gramin?+

How much is the CLSS subsidy under PMAY-Urban?+

How to check PM Awas Yojana beneficiary list 2026?+

What is the difference between PMAY-Gramin and PMAY-Urban?+

Who is excluded from PM Awas Yojana?+

How long does PMAY house construction take?+