Atal Ghar Aawaas Yojana — Quick Overview
| Scheme Name | Atal Ghar Aawaas Yojana Maharashtra 2026 � Affordable Housing for EWS/LIG Families |
| State | Maharashtra (महाराष्ट्र) |
| Launched By | Government of Maharashtra |
| Launch Year | 2024 |
| Benefit | Interest subsidy up to ₹1.80 lakh on home loan + affordable housing under PMAY 2.0 convergence |
| Category | Housing |
| Last Verified | 1 May 2026 |
| Official Portal | https://pmaymis.gov.in |
What is Atal Ghar Aawaas Yojana?
Atal Ghar Aawaas Yojana is Maharashtra's affordable housing initiative for EWS (annual income up to ₹3 lakh) and LIG (₹3�6 lakh) families, integrated with PM Awas Yojana 2.0. It provides interest subsidy of up to ₹1.80 lakh on housing loans and targets 35 lakh houses by 2030 under 'Majhe Ghar, Majha Adhikar' policy.
Under this scheme, eligible beneficiaries receive Interest subsidy up to ₹1.80 lakh on home loan + affordable housing under PMAY 2.0 convergence. The scheme was launched in 2024 and is implemented by the Government of Maharashtra.
अटल घर आवास योजना महाराष्ट्र में EWS/LIG परिवारों के लिए किफायती आवास योजना है � PMAY 2.0 के साथ एकीकृत, ₹1.80 लाख तक ब्याज सब्सिडी, 2030 तक 35 लाख घरों का लक्ष्य।
गृह ऋण पर ₹1.80 लाख तक ब्याज सब्सिडी + PMAY 2.0 के तहत किफायती आवास
अटल घर आवास योजना महाराष्ट्रातील EWS (वार्षिक उत्पन्न ₹3 लाखांपर्यंत) आणि LIG (₹3�6 लाख) कुटुंबांसाठी परवडणाऱ्या घरांची योजना आहे. ही योजना PM Awas Yojana 2.0 शी एकत्रित आहे. गृहकर्जावर ₹1.80 लाखांपर्यंत व्याज सब्सिडी दिली जाते. महाराष्ट्र शासनाने 'माझे घर, माझा अधिकार' धोरणांतर्गत 2030 पर्यंत 35 लाख घरे बांधण्याचे उद्दिष्ट ठेवले आहे.
📌 फायदा: गृहकर्जावर ₹1.80 लाखांपर्यंत व्याज सब्सिडी + PMAY 2.0 अंतर्गत परवडणारे घर
पात्रता:
EWS (वार्षिक उत्पन्न ₹3 लाखांपर्यंत) किंवा LIG (₹3�6 लाख), महाराष्ट्र शहरी रहिवाशी, स्वतःचे पक्के घर नसणे.
अर्ज कसा करावा:
pmaymis.gov.in वर 'Citizen Assessment' मध्ये EWS/LIG निवडा, आधार नंबर भरा, तपशील सादर करा. बँकेद्वारे CLSS अंतर्गत व्याज सब्सिडी मिळते.
Benefits of Atal Ghar Aawaas Yojana
✅ Interest subsidy up to ₹1.80 lakh on home loan + affordable housing under PMAY 2.0 convergence
गृह ऋण पर ₹1.80 लाख तक ब्याज सब्सिडी + PMAY 2.0 के तहत किफायती आवास
Who is Eligible for Atal Ghar Aawaas Yojana?
- ✓ EWS category: annual household income up to ₹3 lakh
- ✓ LIG category: annual household income ₹3 lakh to ₹6 lakh
- ✓ Maharashtra resident � no existing pucca house in family
- ✓ Female co-ownership preferred/required (for certain benefits)
- ✓ Urban residents � scheme applicable in Maharashtra's urban areas
- ✓ Aadhaar-linked bank account mandatory
Advertisement
Documents Required for Atal Ghar Aawaas Yojana
How to Apply for Atal Ghar Aawaas Yojana Online?
- 1Visit pmaymis.gov.in (PM Awas Yojana portal) for housing loan subsidy
- 2Click 'Citizen Assessment' and select your category (EWS/LIG)
- 3Enter Aadhaar number � fill in personal and income details
- 4Submit application � note Application Reference Number
- 5For Maharashtra state housing projects, contact your Urban Local Body (ULB) / Municipal Corporation
- 6Alternatively, apply through authorised banks for CLSS (Credit Linked Subsidy Scheme) under PMAY 2.0
Official Government Portal — Maharashtra
Apply directly on the official Maharashtra government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 Apply at pmaymis.gov.in (PMAY-U 2.0 Portal)- 1Visit pmaymis.gov.in
- 2Click 'Track Your Assessment Status'
- 3Enter your Assessment ID or Aadhaar number
- 4Check application and subsidy status
Frequently Asked Questions — Atal Ghar Aawaas Yojana
Advertisement
More Maharashtra Government Schemes
Mukhyamantri Majhi Ladki Bahin Yojana 2026 — ₹1,500/Month Maharashtra
✅ ₹1,500/month direct bank transfer — ₹18,000/year
Namo Shetkari Maha Samman Nidhi Yojana 2026 — ₹6,000/Year Maharashtra Farmers
✅ ₹6,000/year (₹2,000 × 3 instalments) + PM-KISAN ₹6,000 = Total ₹12,000/year
Mukhyamantri Yuva Karya Prashikshan Yojana 2026 — ₹10,000/Month Stipend
✅ ₹6,000–₹10,000/month stipend for 6-month training (DBT to Aadhaar-linked bank account)
Annasaheb Patil Mahamandal Karj Yojana 2026 — ₹50 Lakh Loan with Interest Subsidy
✅ Business loan ₹10 lakh to ₹50 lakh — government pays interest subsidy on timely repayment
Sanjay Gandhi Niradhar Anudan Yojana 2026 — ₹1,500/Month Pension Maharashtra
✅ ₹1,500/month financial assistance directly to bank account
Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana — ₹2 Lakh Farm Loan Waiver
✅ Crop loan waiver up to ₹2 lakh + ₹50,000 incentive for regular loan repayment
Ramai Awas Yojana 2026 � SC/Neo-Buddhist Housing Scheme Maharashtra
✅ ₹1.32 lakh (rural) / ₹1.42 lakh (hilly) / ₹2.50 lakh (urban) � includes ₹12,000 for toilet
Magel Tyala Saur Krishi Pump Yojana 2026 � Solar Pump for Maharashtra Farmers
✅ 3�7.5 HP solar pump � farmer pays only 10% (5% SC/ST); govt subsidises remaining cost + 5-year repair warranty
Bharatratna Dr. Babasaheb Ambedkar Swadhar Yojana 2026 � ₹60,000/Year for SC Students
✅ ₹60,000/year (Mumbai/Pune/Nagpur) | ₹51,000/year (divisional cities) | ₹43,000/year (other districts) | ₹38,000/year (taluka level)
Dr. Babasaheb Ambedkar Krushi Swavalamban Yojana 2026 � SC Farmer Well & Irrigation Support
✅ New well ₹4L | Well repair ₹1L | Drip irrigation ₹97,000 | Sprinkler ₹47,000 | Solar pump ₹50,000 | Farm machinery ₹50,000
Punyashlok Ahilyadevi Holkar Karjmafi Yojana 2026 � ₹2 Lakh Loan Waiver for Maharashtra Farmers
✅ Up to ₹2 lakh crop loan waiver (overdue as of 30 Sept 2025) + ₹50,000 incentive for regular repayers
CMEGP Maharashtra 2026 � ₹50 Lakh Business Loan with 35% Subsidy, Apply Online
✅ Up to ₹50L loan (manufacturing) / ₹20L (service) + 15�35% subsidy � apply at maha-cmegp.gov.in
Mahila Bachat Gat (SHG) UMED Loan Yojana 2026 � ₹20 Lakh at 4% Interest for Women Groups
✅ Loan up to ₹20 lakh at 4% interest (repayment up to 3 years) � for SHGs with 2+ years existence
Nanaji Deshmukh Krishi Sanjivani Yojana 2026 � Climate-Smart Farming, 100% Subsidy Maharashtra
✅ 75�100% subsidy on drip/sprinkler, fruit plantation, soil health, water conservation � 25+ interventions
Maharashtra Post-Matric Scholarship 2026 � SC/ST/OBC Students Tuition Fee + ₹2,500/Month
✅ Tuition fee reimbursement + ₹2,500/month maintenance (hostel) or ₹1,000/month (day scholar) + exam fee
Mahatma Gandhi Tanta Mukti Yojana Maharashtra � Dispute-Free Village Cash Award
✅ Cash award to dispute-free gram panchayats (varies by performance � Pune district: ₹19.31 crore to 790 villages)