Pradhan Mantri Awas Yojana

The Union Cabinet has extended the implementation period of Pradhan Mantri Awas Yojana Urban (PMAY-U) with all verticals except Credit Linked Subsidy Scheme (CLSS) till December 31, 2024. The CLSS vertical for MIG I and II under PMAY U was till March 31, 2021 and for LIG/EWS till March 31, 2022. No additional houses will be sanctioned during the extension period. However, financial assistance is to be provided for completion of 122.69 lakh houses already sanctioned under BLC, AHP and ISSR verticals of PMAY U till March 31, 2022

Pradhan Mantri Awas Yojana has two sub-sections, one for rural and the other for urban population of India, which are given below:

1. Pradhan Mantri Awas Yojana Gramin (PMAY-G)
2. Pradhan Mantri Awas Yojana Urban (PMAY-U)

This is intended to meet the housing needs of the rural poor. PMAY-G, formerly known as Indira Awas Yojana, aims to provide financial assistance and/or a pucca house, as well as all basic amenities such as electricity and sanitation, to families without a home or living in kutcha and dilapidated houses in rural India, with the exception of Delhi and Chandigarh.

PMAY Gramin Features and Benefits

Below-mentioned are the features and benefits of Pradhan Mantri Awas Gramin Yojana:

Pradhan Mantri Gramin Awas Yojana Eligibility Criteria

There is no specific list of eligibility criteria in PMAY-G. The implementing agencies select eligible families based on the priority waiting list, which is prepared on the basis of household deprivation as per 2011 Socio Economic and Caste Census (SECC) data, Aawas+ list, etc. The brief process for selection of eligible families to receive PMAY-G benefits is listed below:

Once the list of eligible families is prepared, a multi-level prioritisation process is used based on the category of family (SC/ST and others), homelessness, number of rooms, etc. Within the priority groups, families fulfilling the criteria for mandatory inclusion as per SECC are given the highest priority.

Pradhan Mantri Awas Yojana Urban aims to meet the housing needs of the urban poor. There are about 4,331 towns and cities under this scheme. The scheme will proceed in 3 phases:

The Ministry of Housing and Urban Poverty Alleviation will have the flexibility to include additional cities in the first phase if there is resource-supported demand from the States and Union Territories.

Features & Benefits of PMAY Urban

PMAY Urban Beneficiary

Eligibility for Pradhan Mantri Awas Yojana Urban Scheme

Below-mentioned is the step by step process for new applicants:

Application Process for Existing Home Loan Borrowers:

Home loan borrowers who are eligible for PMAY subsidy but have not been able to avail it while taking a home loan can submit their request. The bank will review your request and submit the claim to the National Housing Bank (NHB). After data verification and other checks, the NHB will disburse the amount to the lender who will credit it to the borrower’s respective home loan account and adjust it in the loan accordingly.

Steps to Download PMAY Application Form

You can download your PMAY application form online by following these steps:

How to Edit Your PMAY Application Details?

To edit the details of your PMAY application form, follow these steps:

How to Check Your PMAY Application Status?

Applicants can check the current status of their application online at the official website of Pradhan Mantri Awaas Yojana – https://pmaymis.gov.in. Track the PMAY application status online either through your: