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  • Pradhan Mantri Awas Yojana (PMAY)

    Last Updated: 12 August 2022

    What is The Pradhan Mantri Awas Yojana (PMAY)?

    The Pradhan Mantri Awas Yojana (PMAY) is an initiative of the Government of India which aims at providing affordable housing to the urban poor by the year 2022. The scheme was first launched on 25 June 2015. The interest rate for the PMAY scheme starts at 6.50% p.a. and can be availed for a tenure of up to 20 years. The implementation period of the PMAY-Urban scheme has been extended until 31 December 2024. The decision was made by the Union Cabinet after requests from Union Territories and states. Earlier, the aim was to provide houses by March 2022.

    Official Website https://pmaymis.gov.in/
    Launch Date 25th June 2015
    Expected Completion By 31 December 2024
    Toll Free Number 1800-11-6163 - HUDCO
    1800 11 3377, 1800 11 3388 - NHB
    Complaints or Suggestion grievance-pmay@gov.in
    Office Address
    Pradhan Mantri Awas Yojana Ministry of Housing and Urban Affairs Nirman Bhawan,
    New Delhi- 110 011
    Contact: 011 2306 3285, 011 2306 0484
    Email: pmaymis-mhupa@gov.in
    PMAY Guidelines Click to Download Manual

    Features and Benefits of PMAY Scheme

    • Under the PMAY Scheme, a subsidy interest rate is provided at 6.50% p.a. on housing loan for the term of 20 years to all the beneficiaries.
    • Differently abled and senior citizens will be given preference in allocation of ground floors.
    • Sustainable and eco-friendly technologies would be used for construction.
    • The scheme covers entire urban areas in the country which includes 4041 statutory towns with the first priority given to 500 Class I cities. This will be done in 3 phases.
    • The credit linked subsidy aspect of the PM Awas Yojana gets implemented in India in all statutory towns from the initial stages itself.

    Pradhan Mantri Awas Yojana(PMAY) Beneficiaries

    The beneficiaries under the PMAY scheme can be listed as follows:

    Beneficiary Annual Income
    Middle Income Group I (MIG I) Rs.6 lakh to Rs.12 lakh
    Middle Income Group I (MIG II) Rs.12 lakh to Rs.18 lakh
    Lower Income Group (LIG) Rs.3 lakh to Rs.6 lakh
    Economically Weaker Section (EWS) Up to Rs.3 lakh

    In addition to these, people belonging to SC, ST, and OBC categories and women belonging to EWS and LIG income groups will also be eligible for the PMAY scheme.

    Identification and Selection of Beneficiaries under PMAY
    • The Pradhan Mantri Awas Yojana(PMAY) - Urban scheme caters mainly to the housing requirements of the urban poor. The scheme also caters to the housing requirement of slum dwellers residing in confined areas of slums with inadequate infrastructure, poor sanitation and drinking facilities.
    • Beneficiaries of PMAY-U mainly include Middle Income Groups (MIGs), Low-income Groups (LIGs) and Economically Weaker Section (EWS).
    • While the beneficiaries from the EWS category are eligible for complete assistance under the scheme, beneficiaries from LIG and LIG categories are only eligible for the Credit Linked Subsidy Scheme (CLSS) under PMAY.
    • In order to be recognised as a LIG or EWS beneficiary under the Scheme, the applicant is required to submit an affidavit as income proof to the authority.

    Go Deeper: How to Check PMAY List 2022

    Key Highlights of PMAY Scheme

    Particulars EWS LIG
    Eligible Housing Loan Amount for Interest Subsidy Up to Rs.6 lakh Up to Rs.6 lakh
    Maximum Loan Tenure 20 years 20 years
    Discounted Rate for Calculation of Net Present Value of Interest Subsidy 9.00% 9.00%
    Dwelling Unit Carpet Area (sq.m.) Up to 30 sq.m. Up to 60 sq.m.
    Duration of Scheme 17 June 2015 to 31 December 2024 17 June 2015 to 31 December 2024
    Applicability of No Pucca House Not for upgradation or renovation
    Woman Ownership/Co-ownership Not required for an existing property. Compulsory for a new acquisition.
    Amount Paid in Lump Payment for Each Sanctioned Housing Loan application Rs.3,000 Rs.3,000
    Quality of Flat/House Construction BIS Codes, National Building Code, and according to the NDMA Guidelines adopted
    Approvals for the Building Design Mandatory Mandatory
    Basic Civic Infrastructure (water, electricity, sanitation, sewerage, road etc.) Mandatory Mandatory
    Maximum Interest Subsidy Amount Rs.2,67,280 Rs.2,67,280


    Particulars MIG I MIG II
    Eligible Housing Loan Amount for Interest Subsidy Up to Rs.9 lakh Up to Rs.12 lakh
    Maximum Loan Tenure 20 years 20 years
    Dwelling Unit Carpet Area (sq.m.) 160 sq.m. 200 sq.m.
    Maximum Interest Subsidy Amount Rs.2,35,068 Rs.2,30,156
    Lump Sum Amount Paid for Each Sanctioned Housing Loan Application Instead of processing fee Rs.2,000 Rs.2,000
    Discounted Rate for Calculation of Net Present Value of Interest Subsidy 9.00% 9.00%
    Duration of Scheme 1 January 2017 to 31 December 2024 1 January 2017 to 31 December 2024
    Woman Ownership/Co-ownership Not compulsory Not compulsory
    Applicability of No Pucca House Yes Yes
    Approvals for the Building Design Mandatory Mandatory
    Quality of House/Flat Construction BIS Codes, National Building Code, and according to the NDMA Guidelines adopted
    Basic Civic Infrastructure (water, road, sanitation, sewerage, electricity etc.) Mandatory Mandatory
    Income Proof to Claim Subsidy Self-Declaration Self-Declaration
    Identity Proof Aadhaar Card Number Aadhaar Card Number

    Type of PMAY Scheme

    There are two sub-sections of the PMAY scheme which are divided on the basis of the area on which they focus:

    1. Pradhan Mantri Awas Yojana Gramin - The Pradhan Mantri Awas Yojana – Gramin (PMAY-G) was previously known as the Indira Awas Yojana and was christened as PMAY-G in 2016. The scheme is aimed at the provision of affordable and accessible housing units to eligible beneficiaries in rural regions of India (excluding Chandigarh and Delhi). Under this scheme, the Government of India and the respective state governments share the cost of development of housing units in the ratio of 60:40 for plain regions and 90:10 for North-Eastern and hilly regions.
    2. Pradhan Mantri Awas Yojana Urban - The Pradhan Mantri Awas Yojana – Urban (PMAYU), as the name suggests, is focussed towards the urban areas in India. At present, there 4,331 towns and cities which are enlisted under this scheme. The scheme is set to function under three different phases:

      • Phase 1: Under Phase 1, the government targeted to cover 100 cities in different states and UTs across the country from April 2015 to March 2017.
      • Phase 2: Under Phase 2, the government targeted to cover 200 more cities in different states and UTs across the country from April 2017 to March 2019.
      • Phase 3: Under Phase 3, the government targeted to cover the cities which have been left out in Phase 1 and Phase 2 and attain the target by the end of December 2024.

    PMAY Interest Subsidy

    Particulars Interest Subsidy Maximum Loan for Subsidy
    EWS 6.50% p.a. Rs.6 lakh
    LIG 6.50% p.a. Rs.6 lakh
    MIG -1 4.00% p.a. Rs.9 lakh
    MIG-2 3.00% p.a. Rs.12 lakh
    Pradhan Mantri Awas Yojana (PMAY) Subsidy Calculator

    Pradhan Mantri Awas Yojana (PMAY) scheme aims to simplify the process of purchasing a home for the urban poor and weaker sections of society through EMIs at reasonable rates of interest. The rate of interest is comparatively much lesser than commercial rates, thus offering people subsidised loans.

    To calculate the EMI log on to the Pradhan Mantri Awas Yojana website and fill in the following details: http://pmaymis.gov.in/EMI_Calculator.aspx

    • The total loan amount in rupees
    • The rate of interest
    • The total loan period in months

    Once the following details are submitted, click on the ‘Calculate’ option. This will give you the monthly installment or EMI payable in rupees.

    Find: Home Loan EMI Calculator

    How to Get PMAY Interest Subsidy?
    • Apply for a home loan from any listed lending institution asking for subsidy.
    • The lending institution will review your application and you are eligible, your application will be sent to the Central Nodal Agency.
    • Upon verification, if your application is approved and no discrepancies are found, the Central Nodal Agency will disburse the subsidy amount to the lending institution.
    • This amount will be credited to your account by the lending institution which will lower your total loan amount.
    • You can continue paying the EMIs towards the balance loan amount.
    How to transfer PMAY Subsidy to the Borrower's Bank?

    The bank from where the individual is taking the loan will claim the subsidy benefit for the eligible applicants from the National Housing Bank (NHB). The National Housing Bank will then check to investigate whether anyone is making multiple applications under the scheme. Once confirmed, the CLSS or subsidy amount will be given to the borrower's Bank.Once the amount is received, the money would be credited directly to the Loan Account.

    Go Deeper: Understand Subsidy on Home Loan

    PMAY Loan Eligibility

    The government will use the The Socio Economic and Caste Census of 2011 (SECC 2011) to identify and select the list of PMAY beneficiaries. The village panchayats along with tehsils will be considered for consultation of beneficiaries before making the list under the rural housing scheme. This is going to be done in order to ensure transparency of the project and also make sure that only the deserving receive the aid in housing.

    Learn more about the PMAY Eligibility.

    How to Apply for the PM Awas Yojana Online?

    You can apply for the PM Awas Yojana (PMAY) through the official PMAY portal. The process of application is very easy and user-friendly. All you would need to get started is your Aadhaar number. After that you can just follow the on-screen directions and fill up and submit the form to conclude the application.

    How to check PMAY Application Status?

    To check the status of your PMAY application, you can simply log in to the official portal of Pradhan Mantri Awas Yojana at https://pmaymis.gov.in. After that, you can just navigate to the tracking option and follow the on-screen directions to check the status of your application.

    How to Edit Your Details After Submitting Application for PMAY
    • Visit the official website of Pradhan Mantri Awas Yojana
    • Enter your application reference number and your Aadhaar details
    • Click on the “Edit” option
    • You will now be allowed to edit your application details

    PMAY Resource: PMAY Online Application Form

    Phases of Pradhan Mantri Awas Yojana (PMAY)

    The PMAY Scheme will be executed in three phases. Refer to the below tables for more details:

    Stage Phase 1 Phase 2 Phase 3
    Start date 04/01/15 04/01/17 04/01/19
    End date 03/01/17 03/01/19 03/01/22
    Cities covered 100 200 Remaining cities
    PMAY Functions of Technology Sub-Mission

    PM Awas Yojana Technology Sub Mission will cover following:

    • Better Habitat Designing & Planning of the Buildings
    • Planning to Develop Environment Friendly Houses
    • Best Construction Practices
    • Arranging the Most Innovative Technologies
    • Picking the Most Suitable Materials

    PMAY Customer Care Helpline Numbers

    In case of any queries relating to the application process, interest rates and any other scheme related queries, customers can contact the toll free helpline number:

    • 1800-11-6163 (Urban, HUDCO)
    • 1800-11-3388 (Urban,NHB)
    • 1800-11-3377 (Urban,NHB)
    • 1800-11-6446 (Gramin)

    Those facing any issues related to the application process can contact the above toll-free numbers according to the locations.

    List of State Level Nodal Agencies for PMAY (U)

    State/UT Organisation Name Address and Email
    Andaman and Nicobar Islands Union Territory of Andaman and Nicobar Islands Municipal Council, Port Blair – 744101
    Email: jspwdud@gmail.com
    Andhra Pradesh Andhra Pradesh State Housing Corporation Limited Andhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad – 500029
    Email: apshcl.ed@gmail.com
    Andhra Pradesh Andhra Pradesh Township Infrastructure Development Corporation Limited Flat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada – 520004
    Email: aptsidco@gmail.com,
    Arunachal Pradesh Government of Arunachal Pradesh Department of Urban Development and Housing, Mob-II, Itanagar
    Email: chiefengineercumdir2009@yahoo.com,
    Assam Government of Assam Block A, Room no. 219, Assam Secretariat, Dispur, Guwahati – 781006
    Email: directorcpassam@gmail.com
    Bihar Government of Bihar Urban Development and Housing Department, Vikas Bhawan, Bailey road, New Secretariat, Patna, Bihar – 15
    Email: sltcraybihar@gmail.com
    Chandigarh Chandigarh Housing Board Sector 9-D, Chandigarh – 160017
    Email: chb_chd@yahoo.com,
    Chhattisgarh Government of Chhattisgarh Mahanadi Bhawan Mantralaya, Room No. S-1/4, Naya Raipur, Chhattisgarh
    Email: pmay.cg@gmail.com
    Dadra and Nagar Haveli, and Daman and Diu Union Territory of Dadra and Nagar Haveli, and Daman and Diu Secretariat, Silvassa – 396220
    Email: devcom-dd@nic.in
    Dadra and Nagar Haveli Union Territory of Dadra and Nagar Haveli Secretariat, Silvassa – 396220
    Email: pp_parmar@yahoo.com
    Goa Government of Goa GSUDA, 6th Floor, Shram Shakti Bhavan, Patto – Panaji
    Email: gsuda.gsuda@yahoo.com
    Gujarat Government of Gujarat Affordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar – 382010
    Email: gujarat.ahm@gmail.com,
    Haryana State Urban Development Agency Bays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana – 134112
    Email: suda.haryana@yahoo.co.in
    Himachal Pradesh Directorate of Urban Development Palika Bhawan, Talland, Shimla
    Email: ud-hp@nic.in
    Jammu and Kashmir Jammu and Kashmir Housing Board Email: Jkhousingboard@yahoo.com,
    Jharkhand Urban Development Department 3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004
    Email: jhsltcray@gmail.com,
    Kerala State Poverty Eradication Mission TRIDA Building, Jn. Medical College, PO Thiruvananthapuram
    Email: uhmkerala@gmail.com
    Madhya Pradesh Urban Administration and Development, GoMP Palika Bhawan, Shivaji Nagar, Bhopal – 462016
    Email: addlcommuad@mpurban.gov.in,
    Maharashtra Government of Maharashtra Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai – 400051
    Email: mhdirhfa@gmail.com,
    Manipur Government of Manipur Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001
    Email: hfamanipur@gmail.com,
    Meghalaya Government of Meghalaya Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001
    Email: hfamanipur@gmail.com,
    Mizoram Urban Development & Poverty Alleviation, Government of Mizoram Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram – 796005
    Email: hvlzara@gmail.com
    Nagaland Government of Nagaland Municipal Affairs cell, A.G. Colony, Kohima – 797001
    Email: zanbe07@yahoo.in
    Odisha Housing and Urban Development (H&UD) Department 1st Floor, State Secretariat, Annex - B, Bhubaneswar – 751001
    Email: ouhmodisha@gmail.com
    Puducherry Government of Puducherry Town & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry – 605005
    Email: tcppondy@gmail.com
    Punjab Punjab Urban Development Authority PUDA Bhawan, Sector 62, SAS Nagar, Mohali, Punjab
    Email: office@puda.gov.in,
    Rajasthan Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO) 4-SA-24, Jawahar Nagar, Jaipur, Rajasthan
    Email: hfarajasthan2015@gmail.com
    Sikkim Government of Sikkim Department of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok – 737102
    Email: gurungdinker@gmail.com
    Tamil Nadu Government of Tamil Nadu Tamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu – 600005
    Email: raytnscb@gmail.com
    Telangana Government of Telangana Commissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, Hyderabad
    Email: tsmepma@gmail.com
    Tripura Government of Tripura Directorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor, Khadya Bhawan, Agartala – 799006
    Email: sipmiutripura@gmail.com
    Uttarakhand Directorate of Urban Development State Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, Dehradun
    Email: pmayurbanuk@gmail.com
    Karnataka Government of Karnataka 9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore – 560001
    Email: dmaray2012@gmail.com
    West Bengal State Urban Development Authority ILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata – 700106
    Email: wbsuda.hfa@gmail.com
    Uttar Pradesh State Urban Development Agency (SUDA) Navchetana Kendra, 10, Ashok Marg, Lucknow – 226002
    Email: hfaup1@gmail.com

    Top 10 Banks offering Home Loans Under PMAY Scheme

    Top 10 banks in India which offer loans under the PMAY scheme are listed below:

    FAQs on Pradhan Mantri Awas Yojana (PMAY)

    1. How much time does it take to get the subsidy amount from PMAY?

      It usually takes around 3 to 4 months for the subsidy amount from PMAY to be credited to the beneficiary. This is subject to the verification process of the government.

    2. How to get the Assessment ID for PMAY?

      The Assessment ID for PMAY is generated by the PMAY portal after an applicant successfully completes the registration process. This ID can be used to track the status of the application as well.

    3. If I am a woman can I apply for this scheme?

      Yes, this scheme gives priority to women who are running a family within the lower income groups. However, if your husband, father or any other family member that you reside with has applied, your application will be rejected.

    4. I am a senior citizen and fall under the local income groups? While the PMAY scheme seems financially viable, as an elderly person I would prefer a housing in the Ground Floor. What should I do?

      You simply need to apply as a senior citizen, since all senior citizens are provided the priority for having access to Ground floor housing. However, ensure that you apply early since the priorities among senior citizens for ground floor is also shared with differently abled beneficiaries as well.

    5. What does one mean by DBT?

      People refer to Direct Benefit Transfer as DBT. This means that the beneficiaries will receive the funds they are expected to receive, in the form of instalments, under the scheme, directly in their bank accounts, instead of having to go through random offices and banks. The funds allocated for the rural housing scheme under PMAY will also be sent off to the beneficiaries through direct fund transfer to the bank accounts of the listed and identified beneficiaries. Labour allocation and labour training for the Awas Yojana.

    6. Why will the Government Geo tag the properties under the PMAY housing project?

      The importance of transparency in the whole housing project is essential, right from the scheme rules and regulations being created to the basic requirement of sanitation being implemented in the housing. All of that must be followed, which requires geo tagging, to have all information available for parties involved, whenever needed. Geo tagging, basically means adding metadata to a photograph or map of your home located in the map. It also helps retain updated satellite imagery of the progress of the project. This helps to remotely monitor each unit, without having to be there in person.

    7. How long will the PMAY project last?

      The PMAY project is supposed to last until 2022. But this is the date, which ensures that all the regions in India have beneficiaries, who can avail the scheme. The construction and ultimately the beneficiaries moving in may take longer.

    8. What is the maximum annual income should I have to be eligible for PMAY?

      Your annual income should not be more than Rs. 18 lakhs. However, there are no lower limits for the PMAY income requirement.

    9. What is a Central Nodal Agency when we are talking about PMAY?

      These are basically nodal agencies that are identified by the Ministry or Government to function as bodies which implement Credit linked subsidy.

    10. What does one mean, by carpet area in lieu with Pradhan Mantri Awas Yojana?

      Area enclosed within the walls, actual area to lay the carpet. This area does not include the thickness of the inner walls.

    11. What is FAR when it comes to PMAY?

      Let us take a look at the equation to quickly understand what FAR means:

      • Floor Area Ratio = Total covered area on all the floors x 100 divided by Plot area.
      • However, some cities or towns may have varied definitions. The definitions that have been promoted by the region will be considered under such conditions to remove any sort of confusion.
    12. What is TDR or Transfer of Development Rights?

      This term simply ensures the availability of a particular amount that is additional on the built up with respect to the surrendered or relinquished area of land which allows the owner to use an added built-up area for himself/herself in some other land.

    13. Can I apply if I do not have an Aadhaar Card?

      In order to apply online, it is mandatory for all citizens to have an Aadhaar Card. It is advised to get your Aadhar Number from the nearest Common Service Centers (CSC) as soon as possible.

    14. Do I have to pay for the registration?

      You will only have to pay an application fee of Rs.25 plus service tax at the Common Service Centres. However, there are no charges levied if you are applying online.

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