Pradhan Mantri Awas Yojana (PMAY) is India’s flagship housing programme with a mission to provide housing for all. It has two components: PMAY-Gramin (rural) and PMAY-Urban, each targeting different income groups with different types of support.
PMAY-Gramin (Rural): Who Gets What
Under PMAY-G, eligible rural families receive a direct grant to build a pucca (permanent) house:
- Plains areas: ₹1.20 lakh per beneficiary
- Hilly/difficult areas and NE states: ₹1.30 lakh per beneficiary
- Additionally, 90–95 days of MGNREGA wages for labour
- Toilets under Swachh Bharat Mission (₹12,000 additional)
- LPG connection under Ujjwala Yojana
PMAY-Gramin: Eligibility
Eligibility is based on the SECC 2011 data. Priority is given to:
- Families that are houseless (no pucca house anywhere in India)
- Families living in kutcha/damaged houses
- SC/ST families
- Families with no adult member between 16–59 years
- Female-headed households
- Manual scavenger families
How to Apply: PMAY-Gramin
- Check if your name is in the Awaiting List at pmayg.nic.in — enter your registration number or Aadhaar
- If your name is on the list, contact your Gram Panchayat — they manage the selection and application process
- You can also check the Permanent Wait List at pmayg.nic.in to see where you stand
- Helpline: 1800-11-6446 (toll-free)
Important: Under PMAY-G, the house must be registered in the name of the woman of the household, or jointly with her husband. If no woman exists in the household, it can be in the male’s name.
PMAY-Urban: Who Gets What
For urban areas, PMAY-U works differently — it primarily provides interest subsidies on home loans taken from banks:
- EWS (Economically Weaker Section — income up to ₹3 lakh/year): Interest subsidy of 6.5% on loans up to ₹6 lakh
- LIG (Low Income Group — income ₹3–6 lakh/year): Interest subsidy of 6.5% on loans up to ₹6 lakh
- MIG-I (₹6–12 lakh/year): Interest subsidy of 4% on loans up to ₹9 lakh
- MIG-II (₹12–18 lakh/year): Interest subsidy of 3% on loans up to ₹12 lakh
How to Apply: PMAY-Urban
- Visit pmaymis.gov.in
- Click “Citizen Assessment” and select your category
- Enter your Aadhaar number
- Fill in personal, income, and property details
- Submit and note your application number
- For the credit-linked subsidy, approach your bank or housing finance company with this application number
Key Conditions for Both Schemes
- You must not own a pucca house anywhere in India
- Benefit is available only once per family
- The house must be used for living — not rented out or sold immediately
- Aadhaar is mandatory for registration
Quick Summary
- PMAY-G: ₹1.2–1.3 lakh grant for rural families — check list at pmayg.nic.in
- PMAY-U: Interest subsidy on home loans for urban families — apply at pmaymis.gov.in
- Must not own any pucca house anywhere in India
- House must be in woman’s name under PMAY-G
- Rural helpline: 1800-11-6446 · Urban helpline: 1800-11-3377
All information sourced from pmayg.nic.in and pmaymis.gov.in. MeraHaq is not affiliated with any government body.