Request received - loud & clear!
Returning you to where you were...
Last Updated:
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 1 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 deadline for availing the PMAY CLSS scheme for the MIG-I and MIG-II categories has been extended to 31 March 2021. The same has been extended to 31 March 2022 for the LIG and EWS categories.
Official Website | https://pmaymis.gov.in/ |
Launch Date | 25th June 2015 |
Expected Completion | By 2022 |
Toll Free Number | 1800-11-6163 |
Complaints or Suggestion | grievance-pmay@gov.in |
Office Address | Pradhan Mantri Awas YojanaMinistry of Housing and Urban Affairs Nirman Bhawan, New Delhi-110011 |
PMAY Guidelines | Click to Download Manual |
PAGE CONTENT
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 PMAYGo Deeper: How to Check PMAY List 2021
There are two sub-sections of the PMAY scheme which are divided on the basis of the area on which they focus:
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 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
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?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
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.
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.
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 PMAYPMAY Resource: PMAY Online Application Form
Phases of Pradhan Mantri Awas YojanaThe 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 |
PM Awas Yojana Technology Sub Mission will cover following:
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:
Those facing any issues related to the application process can contact the above toll free numbers according to the locations.
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 in India which offer loans under the PMAY scheme are listed below:
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.
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.
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.
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.
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.
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.
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.
Your annual income should not be more than Rs. 18 lakhs. However, there are no lower limits for the PMAY income requirement.
These are basically nodal agencies that are identified by the Ministry or Government to function as bodies which implement Credit linked subsidy.
Area enclosed within the walls, actual area to lay the carpet. This area does not include the thickness of the inner walls.
Let us take a look at the equation to quickly understand what FAR means:
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.
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 Centre (CSC) as soon as possible.
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.
The central government aims to provide brick houses to the urban and rural poor under the Pradhan Mantri Awas Yojana (PMAY) by the year 2022. Beneficiaries will get advance interest subsidy of up to 6.5% on home loans for 20 years along with other benefits. Applications for the PMAY scheme can be done online with the last date for the Economically Weaker Section (EWS) and Low Income Group (LIG) being 31 March 2022. Families that fall under the Middle Income Group I and Group II have up to 31 March 2021 to apply under the scheme for the interest subsidy on home loan. Applications should be done on the official website of PMAY. It can also be done at a registered Common Service Center (CSC). Aadhaar number is mandatory for applications to be eligible for the scheme.
30 November 2020
The Central Government has started accepting new applications for housing schemes under the Pradhan Mantri Awas Yojana (PMAY). Under the scheme, the government will provide Rs.2.5 lakh worth of financial assistance to the applicants for the purpose of building a house.
The deadline for the PMAY applications for the year has been extended till 31 March 2021 by the central government. The scheme was first launched in the year 2015.
25 November 2020
The Rural Development Minister Narendra Singh Tomar recently had a virtual interaction session with the officials of the states. The meeting was held on the occasion of the ‘Awaas Diwas’ celebration.
In the course of the meeting, the Rural Development Minister mentioned that the Prime Minister Narendra Modi is working towards the betterment of the beneficiaries of the Pradhan Mantri Awas Yojana – Gramin. He also mentioned that the Pradhan Mantri Awas Yojana – Gramin (PMAY-G) is not only directed at the provision of houses but also the protection of the dignity of the household.
25 November 2020
The introduction of the system where the money is sent directly to the beneficiary via the Jan Dhan account, mobile, and Aadhaar has helped the government save over Rs.1.70 lakh crore. The process has ensured that the money does not go through any middlemen. The process was done with the help of the Direct Balance Transfer (DBT) facility. The facility was introduced in 351 schemes such as the Pradhan Mantri Awas Yojana. The JAM Trinity facility has helped in identifying fake beneficiaries and has prevented leakages. Rs.2,10,244 crore has been sent to the beneficiary’s account in 2020-2021 as part of several schemes such as the Pradhan Mantri Awas Yojana, PDS, and MGNREGA.
2 November 2020
Three crore houses have already been constructed under Pradhan Mantri Yojana Scheme and 1.5 crore more are in the pipeline, said Union Minister Prakash Javadekar while virtually inaugurating homes built by Pune Municipal Corporation (PMC). According to sources, PMC has so far completed construction of 2,918 dwellings under 5 different PAY projects, which have been duly approved by the Centre.
PMAY is an initiative undertaken by the Government of India to provide affordable housing to the economically weaker sections of the society by March 2022. The project covers both urban and rural areas.
27 October 2020
The Nagpur Improvement Trust (NIT) is conducting a lottery for the residential units built under the Pradhan Mantri Awas Yojana (PMAY) that were not sold due to the Covid-19 pandemic lockdown which resulted in many applicants not getting their bank loans on time. The number of allotted units is 1200 out of the 4,479 units.
23 October 2020
The Nagpur Improvement Trust (NIT) is conducting a lottery for the residential units built under the Pradhan Mantri Awas Yojana (PMAY) that were not sold due to the Covid-19 pandemic lockdown which resulted in many applicants not getting their bank loans on time. The number of allotted units is 1200 out of the 4,479 units.
23 October 2020
In the state of Bhopal, land owned by colleges and universities will be opened for the ‘Affordable Rental Housing Complex’ (ARHC) scheme which was formed after the Covid-19 pandemic. Started under Prime Minister Narendra Modi’s ‘Atmanirbhar Bharat Abhiyan’, it will provide people from low income groups rental accommodation under the Pradhan Mantri Awas Yojna (PMAY) scheme. Private investors can now build residential units on the government land and provide it as rental units to those in need. The Urban Development Department, which is the nodal agency for the scheme, has invited the Department of Higher Education to participate in the scheme. Projects which are under ARHC will be applicable for PMAY funding till March 2022. The registrars of universities and principals of government colleges have been advised to identify plots of land that are suitable for the project which will then be sent for approval to the higher authorities. Collaborative projects can now be made between the universities and colleges with tourists, students, and research scholars as prospective rental clients. Class 4 category staffers will also be considered for the scheme. Service providers such as sanitation workers, canteen and catering workers, and transport drivers can also be provided with accommodation under the scheme.
14 October 2020
The Chief Minister of Arunachal Pradesh, Pema Khandu had directed the rural department to strictly implement the direct benefit transfer (DBT) under the implementation of the PMAY scheme.
At a review meeting with officers of the PHE&WS department on the implementation of the Jal Jeevan Mission and the Swachh Bharat (Gramin) Scheme in the state, Mr Khandu called for the selection of genuine beneficiaries under the PMAY and MGNREGA.
The meeting also comprised of discussion on adopting better and effective technologies and infrastructure so as to improve the urban water supply system.
5 October 2020
The first batch of houses under the central government’s affordable rental housing scheme which is targeted at migrant workers may be ready by April 2021. In the first phase of the scheme, nearly 75,000 vacant, government-funded housing complexes which have been identified will be converted into affordable rental housing complexes (ARHCs). The houses were built under Jawaharlal Nehru National Urban Renewal Mission (JNNURM), Rajiv Awas Yojana (RAY), and the Pradhan Mantri Awas Yojana (PMAY). It must be noted here that the ARHC scheme was approved in the month of July. 300,000 beneficiaries are expected to benefit from the scheme with the expenditure being estimated at Rs.600 crore.
1 October 2020
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
Gain an edge by connecting with us via email. We promise never to spam you.
Request received - loud & clear!
Returning you to where you were...
Psst... We'll ensure you're the very first to know the moment rates change.
We'll email you immediately! You snooze, you lose.