How to Apply for Pradhan Mantri Awas Yojana (PMAY) — Housing for All

Pradhan Mantri Awas Yojana (PMAY) is the Government of India's flagship housing scheme that helps low and middle-income families buy or build their own pucca house. If you have been dreaming of owning a home but worried about the cost, PMAY can help you with interest subsidies on home loans and direct financial assistance.

This guide covers everything you need to know — eligibility, documents required, how to apply online and offline, subsidy amounts, and common questions.

What is PMAY?

Pradhan Mantri Awas Yojana was launched on 25th June 2015 by Prime Minister Narendra Modi under the vision of "Housing for All." The scheme is implemented by the Ministry of Housing and Urban Affairs (MoHUA).

PMAY has two components:

• PMAY-Urban (PMAY-U): For people living in urban areas (cities and towns). Implemented by MoHUA.
• PMAY-Gramin (PMAY-G): For people living in rural areas. Implemented by the Ministry of Rural Development.

Four Verticals of PMAY-Urban

1. In-Situ Slum Redevelopment (ISSR): Rehabilitation of slum dwellers with participation of private developers.
2. Credit Linked Subsidy Scheme (CLSS): Interest subsidy on home loans for EWS, LIG, and MIG categories.
3. Affordable Housing in Partnership (AHP): Central assistance of ₹1.5 lakh per house for EWS category built in partnership with public/private sectors.
4. Beneficiary-Led Individual House Construction (BLC-IHC): Central assistance of ₹1.5 lakh for individual house construction or enhancement for EWS category.

Who is Eligible for PMAY?

Income Categories

Key Eligibility Conditions

• The beneficiary family should not own a pucca house anywhere in India.
• The beneficiary family includes husband, wife, and unmarried children.
• Women ownership: For EWS and LIG categories, the house must be in the name of a female member of the household, or in joint name. (This condition is relaxable for MIG categories.)
• Aadhaar number is mandatory for availing benefits.
• The beneficiary should not have availed central assistance under any other government housing scheme.

PMAY-Gramin Eligibility

For PMAY-G, beneficiaries are selected from the Socio-Economic Caste Census (SECC) 2011 data. Priority is given to:

• Households with no house or living in kutcha/dilapidated houses
• SC/ST households
• Minorities
• Families of ex-servicemen and widows

Documents Required

Keep these documents ready before applying:

1. Aadhaar Card (mandatory for all family members)
2. Income Certificate or salary slips
3. Address Proof (voter ID, utility bill, etc.)
4. Bank Account Details (linked with Aadhaar)
5. Caste Certificate (if applicable — SC/ST/OBC)
6. Proof of Land Ownership (for BLC component)
7. Affidavit stating you do not own a pucca house in India
8. Passport-size Photographs
9. Property Agreement / Builder Agreement (for CLSS component)
10. Income Tax Returns (for MIG categories)

How to Apply for PMAY Online (PMAY-Urban)

Step 1: Visit the Official Portal

Go to pmaymis.gov.in — this is the official PMAY-Urban MIS portal.

Step 2: Select "Citizen Assessment"

On the homepage, click on "Citizen Assessment" in the menu bar. You will see options:

• Slum Dwellers — if you live in a notified slum area
• Benefits Under Other 3 Components — for CLSS, AHP, or BLC

Select the option that applies to you.

Step 3: Enter Aadhaar Details

Enter your 12-digit Aadhaar number and name as per Aadhaar. Click "Check" to verify.

Step 4: Fill the Application Form

Fill in all required details:

• Personal information (name, father's name, date of birth, gender)
• Contact details (mobile number, email)
• Residential address
• Income details and category (EWS/LIG/MIG-I/MIG-II)
• Bank account and IFSC code
• Details of current housing status
• Property details (if applying under CLSS)

Step 5: Upload Documents

Upload scanned copies of required documents as specified. Ensure all files are clear and within the allowed file size.

Step 6: Submit and Save

Review all details carefully. After submission, you will get an application reference number. Save or print this number — you will need it to track your application.

Step 7: Track Your Application

Go to pmaymis.gov.in → "Track Your Assessment Status" → Enter your reference number or Aadhaar number to check the status.

How to Apply for PMAY Offline

If you are not comfortable with the online process, you can apply offline:

1. Visit your nearest Common Service Centre (CSC) or Urban Local Body (ULB) / Municipal Office.
2. Ask for the PMAY application form. A nominal fee of ₹25 + GST may be charged at CSCs.
3. Fill the form with all required details.
4. Attach photocopies of all required documents.
5. Submit the form. Collect the acknowledgement receipt.
6. Your application will be verified by the ULB and forwarded for approval.

How to Apply for PMAY-Gramin

For rural areas, the process is different:

1. Beneficiaries are identified from SECC 2011 data by the Gram Sabha.
2. The Gram Sabha verifies and finalises the list.
3. The list is approved by the District-level and State-level committees.
4. Selected beneficiaries receive direct benefit transfer (DBT) of financial assistance to their Aadhaar-linked bank accounts.
5. You can check your name on the PMAY-G beneficiary list at pmayg.nic.in.

Note: For PMAY-Gramin, you generally cannot apply on your own — beneficiaries are selected through government surveys. However, if you believe you were missed, approach your Gram Panchayat or Block Development Office.

PMAY Subsidy and Assistance Amounts

CLSS (Credit Linked Subsidy Scheme) — PMAY-Urban

Subsidy is calculated on a 20-year loan tenure at NPV (Net Present Value) with a 9% discount rate.

Note: The CLSS component for MIG categories was available until March 2021. As of 2025, CLSS may not be accepting new MIG applications. Check the latest status on the official portal. (⚠️ Verify current availability before applying.)

PMAY-Gramin Assistance

• Plain areas: ₹1.20 lakh per household
• Hilly / difficult areas, IAP districts, Naxal-affected areas: ₹1.30 lakh per household
• Additional ₹12,000 for toilet construction under Swachh Bharat Mission

PMAY Application Fee

• Online: Free on the official PMAY portal
• Through CSC: ₹25 + GST (approximately ₹30)
• No other fee is charged by the government. Beware of middlemen demanding extra money.

Timeline

• Application processing: 2–4 weeks for initial verification by ULB
• CLSS subsidy credit: 3–6 months after loan disbursement (credited to the lending bank)
• BLC/AHP assistance: Released in 3 instalments linked to construction milestones
• PMAY-G construction: Must be completed within 12 months of sanction

Frequently Asked Questions (FAQs)

1. Can I apply for PMAY if I already own a house?

No. PMAY is only for families who do not own a pucca house anywhere in India. If any family member already owns a pucca house, you are not eligible.

2. Is PMAY only for women?

No, but for EWS and LIG categories, the house must be in the name of a female member or jointly owned. This is to promote women empowerment. MIG categories have some relaxation in this rule.

3. Can I apply for PMAY through a bank?

Yes, for the CLSS component, you can approach any scheduled bank, housing finance company, or other lending institution. They will process your subsidy claim through the Central Nodal Agencies (NHB, HUDCO, SBI, or PFHL).

4. How do I check if my PMAY application is approved?

Visit pmaymis.gov.in → Click on "Track Your Assessment Status" → Enter your Aadhaar number or application reference number.

5. What is the last date to apply for PMAY?

PMAY-Urban was originally planned until 2022, but has been extended. The government periodically updates deadlines. Check the official portal for the most current end date. (⚠️ Verify latest extension dates on pmaymis.gov.in.)

6. Is there any age limit for PMAY?

There is no specific age limit. However, since CLSS involves a home loan, banks may have their own age-related lending criteria (typically up to 65–70 years at loan maturity).

7. Can NRIs apply for PMAY?

NRIs are generally not eligible for PMAY. The scheme is for Indian residents. However, NRI family members may benefit if the eligible resident family member applies.

Important Tips

• Apply only through official channels — pmaymis.gov.in or authorized CSCs.
• Never pay large fees to any agent or middleman. The application is nearly free.
• Keep your Aadhaar linked to your bank account for smooth DBT.
• Track your application regularly using the reference number.
• For CLSS, approach your bank directly — they will handle the subsidy processing.

Official Links

• PMAY-Urban Portal: pmaymis.gov.in
• PMAY-Gramin Portal: pmayg.nic.in
• CLSS Tracker (CLAP): pmayuclap.gov.in
• PMAY Mobile App: Available on Google Play Store (search "PMAY Urban")

Last updated: 16 February 2026. Information sourced from official PMAY portals and Ministry of Housing and Urban Affairs guidelines. Subsidy figures and scheme availability may change — always verify on the official website before applying.