PM Awas Yojana — Complete Guide to Gramin & Urban Components

Pradhan Mantri Awas Yojana (PMAY) is India's largest housing scheme, designed to provide affordable pucca houses to families who have never owned one. The scheme operates through two distinct arms — PMAY-Urban (PMAY-U) for city and town residents and PMAY-Gramin (PMAY-G) for rural households.

This guide explains both components in depth — who qualifies, how much subsidy you can get, how to apply, how to check your status, and what to do if your application is rejected.

Already know the basics? Check our step-by-step application walkthrough for a quick how-to.

PMAY-Urban vs PMAY-Gramin — Key Differences

Eligibility Criteria

PMAY-Urban Eligibility

To qualify for any PMAY-Urban component, your family must meet these conditions:

• No pucca house owned by any family member anywhere in India
• Family definition: Husband, wife, and unmarried children
• Aadhaar card is mandatory for all applicants
• No previous benefit under any central government housing scheme
• Women ownership: For EWS and LIG, the house must be in a woman's name or jointly held

Income categories for PMAY-Urban:

PMAY-Gramin Eligibility

PMAY-G beneficiaries are selected from the Socio-Economic Caste Census (SECC) 2011 database. You cannot directly apply — the Gram Sabha identifies eligible households. Priority goes to:

• Families living in zero-room kutcha houses or with no shelter
• SC/ST households and minority communities
• Widows, freed bonded labourers, and differently-abled persons
• Families not owning motorized vehicles, Kisan Credit Cards over ₹50,000, or government-employed members
• Households with no income tax-paying member

If you believe you were missed in the SECC survey, approach your Gram Panchayat or Block Development Officer (BDO) to request inclusion through the Awaas+ mobile app survey.

How the Subsidy is Calculated

CLSS Subsidy Calculation (PMAY-Urban)

Under the Credit Linked Subsidy Scheme, the government pays part of the interest on your home loan. Here is how the maths works:

How NPV works: The subsidy is the Net Present Value of the interest difference, calculated at a 9% discount rate over 20 years. Your bank receives this amount upfront and adjusts it against your loan — reducing your EMI immediately.

Example: If you are in the LIG category and take a ₹15 lakh home loan, the 6.5% subsidy applies only on the first ₹6 lakh. The remaining ₹9 lakh carries the full bank interest rate. Your upfront subsidy credit would be approximately ₹2.67 lakh, bringing down your effective loan to about ₹12.33 lakh.

PMAY-Gramin Financial Assistance

PMAY-G provides direct cash assistance, not a loan subsidy:

• Plain areas: ₹1,20,000 per household
• Hilly, difficult, IAP, and Naxal-affected areas: ₹1,30,000 per household
• Toilet construction: Additional ₹12,000 under Swachh Bharat Mission (Gramin)
• MGNREGA wages: 90 person-days of unskilled labour (95 in hilly areas) are also provided

The total assistance is released in three instalments linked to construction milestones, directly to the beneficiary's Aadhaar-linked bank account via DBT.

How to Apply

Applying for PMAY-Urban

Online (free):

1. Visit pmaymis.gov.in
2. Click "Citizen Assessment" → choose your component (Slum Dwellers or Other 3 Components)
3. Enter your Aadhaar number for verification
4. Fill the application form with personal, income, and property details
5. Upload scanned documents — Aadhaar, income proof, bank details, land records if applicable
6. Submit and save your application reference number

Offline: Visit a Common Service Centre (CSC) or your Municipal/ULB office. Fee: ₹25 + GST at CSCs.

Through a bank (CLSS only): Approach any scheduled commercial bank or housing finance company when taking a home loan. The bank processes the CLSS subsidy through Central Nodal Agencies.

Tip: Ensure your Aadhaar is active and linked to your bank account before applying.

Applying for PMAY-Gramin

You generally cannot self-apply for PMAY-G. The process works as follows:

1. Identification: Potential beneficiaries are auto-identified from SECC 2011 data
2. Gram Sabha verification: The village assembly verifies and prioritises the list
3. District & state approval: Committees at block, district, and state levels approve the final list
4. Sanction order: Approved beneficiaries receive a sanction letter
5. Fund disbursement: Money is transferred in three DBT instalments

If your name is missing: Contact your Gram Panchayat, request an Awaas+ survey, or file a complaint at the Block Development Office.

How to Check Your PMAY Status

PMAY-Urban Status Check

Method 1 — By application reference number:

1. Go to pmaymis.gov.in
2. Click "Track Your Assessment Status"
3. Enter your reference number or Aadhaar-linked mobile number
4. View your application status and any pending actions

Method 2 — CLSS Tracker (CLAP portal):

1. Visit pmayuclap.gov.in
2. Enter your loan account number or Aadhaar number
3. Check whether your CLSS subsidy has been released to the bank

PMAY-Gramin Status Check

Method 1 — By registration number:

1. Visit pmayg.nic.in
2. Go to "Stakeholders" → "IAY/PMAYG Beneficiary"
3. Enter your registration number to view house construction progress and instalment status

Method 2 — By name (beneficiary list):

1. Go to rhreporting.nic.in
2. Select your state → district → block → panchayat
3. Browse the beneficiary list to find your name and sanction status

Method 3 — Awaas+ App: Download the Awaas+ app from Google Play Store. Login with your registered mobile number to check status and upload geo-tagged construction photos.

How to Check the PMAY Beneficiary List

Urban Beneficiary List

1. Visit pmaymis.gov.in
2. Navigate to "Search Beneficiary" → "Search by Name"
3. Enter the first three letters of your name
4. If your application was approved, your details will appear with subsidy/assistance status

Gramin Beneficiary List

1. Go to rhreporting.nic.in
2. Follow: State → District → Block → Gram Panchayat
3. The list shows all sanctioned beneficiaries with FTO (Fund Transfer Order) details
4. You can verify instalment release dates and amounts

Common Rejection Reasons and How to Avoid Them

Understanding why applications get rejected helps you apply correctly the first time:

1. Already owns a pucca house — Even if one family member owns a house in another city, the entire family becomes ineligible. Verify before applying.

2. Aadhaar mismatch — Name, date of birth, or address mismatch between Aadhaar and application form. Update your Aadhaar details first.

3. Income exceeds category limit — Self-declaration of income must match supporting documents. Overstating income to qualify for a larger CLSS bracket leads to rejection.

4. Duplicate application — If another family member already applied, subsequent applications are rejected. One family, one application.

5. Incomplete documents — Missing bank details, unclear scanned copies, or unsigned affidavits cause processing delays and eventual rejection.

6. Property outside eligible area — PMAY-Urban applies only to statutory towns and planning areas. If your property falls in a rural area, you need PMAY-G instead.

7. Previous government housing benefit — If you previously received assistance under Indira Awaas Yojana (IAY) or any state housing scheme, PMAY assistance is denied.

What to do if rejected: You can re-apply after correcting the issue. For PMAY-Urban, submit a fresh application on the portal. For PMAY-G, approach your Gram Panchayat with corrected documents.

Documents Required

Keep these ready before starting your application:

• Aadhaar Card of all family members
• Income certificate or salary slips
• Bank passbook (Aadhaar-linked account)
• Address proof — voter ID, utility bill, or property documents
• Caste certificate (for SC/ST/OBC reservation)
• Affidavit declaring no pucca house ownership
• Land/property papers (for BLC component or CLSS)
• Passport-size photographs
• ITR (for MIG-I and MIG-II categories)

Frequently Asked Questions (FAQs)

Can I get PMAY benefit if I own a plot but no house?

Yes. Owning an empty plot does not disqualify you. You can apply under the BLC (Beneficiary-Led Construction) component of PMAY-Urban or through PMAY-Gramin if in a rural area.

How long does it take to receive the PMAY subsidy?

For PMAY-Urban CLSS, the subsidy typically reaches your bank within 3–6 months of loan disbursement. For PMAY-Gramin, the first instalment comes within 1–2 months of sanction, with subsequent payments tied to construction progress.

Can a single woman or widow apply for PMAY?

Yes. Single women, widows, and women-headed households are eligible and actually given priority. For EWS and LIG, the house is registered in the woman's name by default.

Is PMAY available for house renovation or only new construction?

PMAY-Urban's BLC component covers both new construction and enhancement (adding rooms, strengthening structure) of existing kutcha houses. PMAY-Gramin covers new construction of pucca houses and upgradation of kutcha houses.

What happens if I don't complete PMAY-G house construction on time?

Beneficiaries must complete construction within 12 months of the first instalment. Failure to show progress may result in the remaining instalments being withheld. Upload geo-tagged progress photos via the Awaas+ app to avoid delays.

Can I choose my own house design under PMAY-Gramin?

Yes. PMAY-G offers a catalogue of house designs suited to local geography and climate, but beneficiaries can choose their own design as long as it meets the minimum 25 sq.m. plinth area requirement.

Can I apply for PMAY if I already took a home loan?

For CLSS, yes — you can apply even if you already have a running home loan, provided the loan was sanctioned after 17 June 2015 and you meet all other eligibility criteria. Ask your lender to process the CLSS claim retrospectively.

Important Tips

• Use only official portals — pmaymis.gov.in and pmayg.nic.in. Beware of fake websites.
• Never pay middlemen — the application is free (or ₹25 at CSCs). No agent fee is authorised.
• Keep Aadhaar updated — any mismatch delays processing significantly.
• Track regularly — check your status every 2–3 weeks and respond promptly to any queries raised by the verifying authority.
• Photograph construction progress — for PMAY-G, geo-tagged photos uploaded via Awaas+ trigger instalment releases.

Related Guides

• How to Apply for PMAY — Step-by-Step
• Property Registration Online
• Land Records & Bhulekh Online
• Aadhaar Card — Apply & Update Online

Last updated: 16 February 2026. Information sourced from official PMAY portals (pmaymis.gov.in, pmayg.nic.in) and Ministry of Housing and Urban Affairs / Ministry of Rural Development guidelines. Subsidy amounts and scheme availability may change — always verify on the official website before applying.