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  • Pradhan Mantri Awas Yojana Guidelines

    PMAY or Pradhan Mantri Awas Yojana has been established by the Government of India to offer affordable houses to various sections of the society. This scheme offers interest subsidy on the home loans taken by individuals belonging to EWS (Economically Weaker Section), LIG (Low Income Group), and MIG 1 & 2 (Middle Income Group 1 & 2). The PMAY scheme was launched in the year 2015.

    The maximum interest subsidy that can be availed under this scheme stands at 6.5% for a loan tenure of 20 years. The housing finance company may provide a home loan for a longer tenure but the interest subsidy can be availed only for 20 years.

    PM Awas Yojana Scheme for Different Categories

    Criteria Existing Instructions (CLSS – EWS +LIG) Revised Instructions (CLSS – EWS +LIG) CLSS (MIG-I) CLSS (MIG-II)
    Applicability Loans approved on/after 17/06/2015 Loans approved on/after 01/01/2017 Loans approved on/after 01/01/2017 Loans approved on/after 01/01/2017
    Validity 2022 2022 31/3/2019 31/3/2019
    Property should be Family’s 1st home 1st home 1st home 1st home
    Max term of loan (on which subsidy will be calculated) 15 years 20 years 20 years 20 years
    NPV 9% 9% 9% 9%
    Subsidy Amount Rs.2.20 lakh Rs.2.67 lakh Rs.2.35 lakh Rs.2.30 lakh
    Subsidy% 6.50% 6.50% 4% 3%
    Max Loan Amount for Subsidy Up to 6 lakh Up to 6 lakh Up to 9 lakh Up to 12 lakh
    Woman Ownership Yes (except for construction) Yes (except for construction) NA NA
    Location 4487 towns 4487 towns Urban -2011 Urban -2011
    Property Area (Carpet Area) 30/60 sq.m 30/60 sq.m 120 sq.m 150 sq.m
    Household/ Annual Income (Rs.) Up to Rs.6 lakh Up to Rs.6 lakh Rs.6.01-12.00 lakh Rs.12.01-18.00 lakh

    List for PMAY Guidelines

    Guidelines Download files (pdfs)
    Amendments in Pradhan Mantri Awas Yojana (PMAY) - Housing for All (Urban) Mission Guidelines Issued on 10 September, 2015 Pdf size:( 0.29 MB) Download from here
    Amendment in Pradhan Mantri Awas Yojana (PMAY) - Housing for All (Urban) Mission Guidelines Issued on 09 November, 2015-reg. Pdf size:( 1.3 MB) Download from here
    Revised Pradhan Mantri Awas Yojana Guidelines (English) Pdf size:( 2.5 MB) Download from here
    Revised Pradhan Mantri Awas Yojana Guidelines (Hindi) Pdf size:( 7.99 MB) Download from here
    Amendments in the Guidelines of Pradhan Mantri Awas Yojana (PMAY)-HFA (U) Mission 25th May 2016. Pdf size:( 2.83 MB) Download from here
    PMAY Application Form (Survey Form 4A and 4B) Pdf size:( unknown file size) Download from here
    Amendments in the Guidelines of Pradhan Mantri Awas Yojana (PMAY)-HFA (U) Mission 21st June 2016. Pdf size:( unknown file size) Download from here
    Geotagging Operational Guidelines Pdf size:( unknown file size) Download from here
    Operational guidelines for the new Scheme of Credit Linked Subsidy Scheme for Middle Income Group (MIG) {CLSS for MIG}-January 2017 Pdf size:( unknown file size) Download from here
    Amendments in guidelines of Credit Linked Subsidy Scheme (CLSS) under the Pradhan Mantri Awas Yojana (Urban) Mission Pdf size:( unknown file size) Download from here
    Operational Guidelines- Credit Linked Subsidy Scheme for EWS/LIG Pdf size:( unknown file size) Download from here
    Draft reference Guide for Third Party Quality Monitoring under PMAY (U) - HFA Mission Pdf size:( unknown file size) Download from here
    Capacity Building Activities (Norms, Fund Disbursal Processes and Plan Templates) Pdf size:( unknown file size) Download from here
    Social Audit Guidelines- 2017 Pdf size:( unknown file size) Download from here
    Reference Guide for Third Party Quality Monitoring under PMAY (U)- HFA Mission Pdf size:( unknown file size) Download from here
    Operational guidelines for construction of Demonstration Housing Projects (DHPs) in the States/UTs using Green and Emerging Technologies under the Capacity Building initiative of PMAY(U) Pdf size:( unknown file size) Download from here
    PMAY(U) Passbook for BLC beneficiaries (English) Pdf size:( unknown file size) Download from here
    PMAY(U) Passbook for BLC beneficiaries (Hindi) Pdf size:( unknown file size) Download from here
    Reference Guide For Third Party Quality Monitoring Pdf size:( unknown file size) Download from here
    AMENDMENTS IN PRADHAN MANTRI AWAS YOJANA (URBAN) – HOUSING FOR ALL MISSION GUIDELINES June 2017 Pdf size:( unknown file size) Download from here
    AMENDMENTS IN PRADHAN MANTRI AWAS YOJANA (URBAN) – HOUSING FOR ALL MISSION GUIDELINES JAN 2018 Pdf size:( 0.91 MB) Download from here
    AMENDMENTS IN PRADHAN MANTRI AWAS YOJANA (URBAN) – HOUSING FOR ALL MISSION GUIDELINES JAN 2018 (Hindi Version) Pdf size:( 0.68 MB) Download from here

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