What is Gujarat Mukhyamantri Gruh Yojana?
Gujarat Mukhyamantri Gruh Yojana provides affordable housing to Economically Weaker Sections (EWS) and Low Income Groups (LIG) in urban areas. Converges with PMAY-Urban: EWS families (income ≤ ₹3 lakh) get CLSS subsidy of ₹2.67 lakh on home loan. LIG families (income ₹3-6 lakh) get ₹2.35 lakh subsidy. Gujarat PMAY-Urban has sanctioned 7 lakh+ houses. Additional state top-up available for SC/ST/disabled/women beneficiaries. Apply through PMAY Urban portal or through Gujarat Housing Board, municipal corporations.
Gujarat Mukhyamantri Gruh Yojana — Quick Overview
| Scheme Name | Gujarat Mukhyamantri Gruh Yojana 2026 — Affordable Housing EWS/LIG with ₹2.67 Lakh Subsidy |
| State | Gujarat (गुजरात) |
| Launched By | Government of Gujarat |
| Launch Year | 2015 |
| Benefit | ₹2.67 lakh (EWS) / ₹2.35 lakh (LIG) housing loan subsidy + affordable flat allotment — urban Gujarat families |
| Category | Housing |
| Beneficiaries | 7 lakh+ urban houses sanctioned in Gujarat under PMAY |
| Last Verified | 17 June 2026 |
| Official Portal | https://pmaymis.gov.in |
Gujarat Mukhyamantri Gruh Yojana: EWS (income ≤ ₹3 lakh) — ₹2.67 lakh CLSS subsidy. LIG (₹3-6 lakh) — ₹2.35 lakh. Urban Gujarat. pmaymis.gov.in.
📌 फायदा: ₹2.67 lakh (EWS) / ₹2.35 lakh (LIG) home loan subsidy — urban Gujarat
पात्रता:
Urban Gujarat family, EWS/LIG income, no pucca house, first-time buyer.
अर्ज कसा करावा:
pmaymis.gov.in → PMAY Urban → CLSS → bank loan → subsidy credited.
Benefits of Gujarat Mukhyamantri Gruh Yojana
✅ ₹2.67 lakh (EWS) / ₹2.35 lakh (LIG) housing loan subsidy + affordable flat allotment — urban Gujarat families
Who is Eligible for Gujarat Mukhyamantri Gruh Yojana?
- ✓ EWS: Annual household income ≤ ₹3 lakh; LIG: ₹3-6 lakh
- ✓ Urban area resident in Gujarat
- ✓ No pucca house anywhere in India (self or family)
- ✓ First-time home buyer / no govt housing benefit previously
- ✓ Aadhaar linked bank account
Documents Required for Gujarat Mukhyamantri Gruh Yojana
How to Apply for Gujarat Mukhyamantri Gruh Yojana Online?
- 1pmaymis.gov.in → PMAY Urban → Apply Online
- 2Aadhaar OTP verify → fill income, family details
- 3Select CLSS (Credit Linked Subsidy Scheme) option
- 4Contact empanelled bank (SBI/HDFC/LIC HFL etc.) for home loan
- 5Bank applies CLSS subsidy → ₹2.67 lakh credited to loan account
- 6Or: Gujarat Housing Board / municipal corporation affordable flat allotment
Official Government Portal — Gujarat
The single official window for this scheme is pmaymis.gov.in. Filing is free, so steer clear of touts promising guaranteed selection.
🔗 pmaymis.gov.in — PMAY Urban Gujarat ApplyReal-Life Examples — Are You Eligible for Gujarat Mukhyamantri Gruh Yojana?
Which of these Gujarat Mukhyamantri Gruh Yojana profiles sounds most like you?
Jignesh, an urban Gujarat family head with annual household income of ₹2.5 lakh, no pucca house anywhere in India, taking his first home loan
Eligible — his income is within the EWS limit of ₹3 lakh, he owns no pucca house and is a first-time buyer, so he qualifies for the ₹2.67 lakh CLSS subsidy
Bhavin, a Surat resident with household income of ₹5 lakh and no prior government housing benefit, applying for a home loan
Eligible — his income falls in the LIG band of ₹3-6 lakh and he has not taken any earlier housing benefit, qualifying him for the ₹2.35 lakh subsidy
Paresh, a Gujarat family that already owns a pucca house in their name applying for the subsidy
Not eligible — the scheme requires that no member of the family owns a pucca house anywhere in India, so an existing pucca house disqualifies them
These scenarios are indicative; the official eligibility rules always take precedence.
Common Mistakes — Why Gujarat Mukhyamantri Gruh Yojana Applications Get Rejected
- ✗Applying when a family member already owns a pucca house anywhere in India, which breaks the core condition.
- ✗Submitting an income certificate that does not match the EWS or LIG band, or one that has expired.
- ✗Approaching a bank that is not empanelled for CLSS, so the subsidy cannot be applied to the loan account.
- ✗Skipping the no-house self-declaration affidavit, which holds up verification of the application.
Insider Tips for Gujarat Mukhyamantri Gruh Yojana
- →Confirm which slab you fall in (EWS up to ₹3 lakh, LIG ₹3-6 lakh) and get a matching income certificate before applying.
- →Apply through the official pmaymis.gov.in portal and then take the home loan from an empanelled CLSS bank such as those listed on the portal.
- →Keep your Aadhaar-linked bank account, income certificate and no-house affidavit ready so the subsidy is credited to your loan account smoothly.
- →If you prefer a ready flat, track Gujarat Housing Board and municipal corporation allotment notices, where SC/ST/disabled/women applicants get priority.