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, mdswachchandhra@gmail.com
Arunachal Pradesh	Government of Arunachal Pradesh	Department of Urban Development and Housing, Mob-II, Itanagar Email: chiefengineercumdir2009@yahoo.com, cecumdirector@udarunachal.in
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, infor@chb.co.in
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, mis.ahm2014@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, raysltcjkhb@gmail.com
Jharkhand	Urban Development Department	3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004 Email: jhsltcray@gmail.com, director.ma.goj@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, mohit.bundas@mpurban.gov.in
Maharashtra	Government of Maharashtra	Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai – 400051 Email: mhdirhfa@gmail.com, cemhadapmay@gmail.com
Manipur	Government of Manipur	Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001 Email: hfamanipur@gmail.com, tpmanipur@gmail.com
Meghalaya	Government of Meghalaya	Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001 Email: hfamanipur@gmail.com, tpmanipur@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, ca@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:

• Bank of Baroda
• State Bank of India
• Axis Bank
• IDFC First Bank
• Bandhan Bank
• Bank of India
• HDFC Bank
• IDBI Bank
• Punjab National Bank
• Canara Bank

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.