Pradhan Mantri Awas Yojana (PMAY) Scheme - Details

Pradhan Mantri Awas Yojana is a social welfare flagship programme of the Indian Government. It was launched in 2015 to provide pucca houses to all eligible beneficiaries in the urban and rural areas of the country. This article covers the Pradhan Mantri Awas Yojana components, eligibility, application process and benefits.

What is Pradhan Mantri Awas Yojana?

Pradhan Mantri Awas Yojana (PMAY) was launched with the aim to provide housing at an affordable price to the weaker sections of the society, lower income group people, urban poor, and rural poor. The Yojana involves a construction of around 20 million houses at an affordable price. The Pradhan Mantri Awas Yojana has two components:

1. Pradhan Mantri Awas Yojana Urban (PMAY-U)
2. Pradhan Mantri Awas Yojana Gramin (PMAY-G)

The scheme is also linked with other schemes like:

• Swachh Bharat Abhiyan which aims at reducing open defecation by constructing in-house toilets and community-owned toilets and aims to maintain cleanliness around the streets, roads, and houses
• Saubhagya Yojana which aims at providing electricity connection
• Ujjwala Yojana which aims at providing LPG Gas connection
• Accessibility of pure drinking water
• Pradhan Mantri Jan Dhan Yojana which aims at opening a zero balance account and spreading banking facilities to each and every person in the society.

Pradhan Mantri Awas Yojana Urban (PMAY-U)

PMAY-U focuses on providing affordable houses to all eligible families/ beneficiaries not having a pucca house in cities and towns. All houses under the PMAY-U will have basic amenities, such as water supply, kitchen, electricity and toilet. 

This scheme promotes women empowerment by providing the house/ land ownership in name of the female member or in joint names. Under this scheme, preference is given to slum dwellers and other people belonging to Economically Weaker Sections (EWS), Low Income Group (LIG) and Middle Income Group (MIG) categories in the urban areas. 

In the Union Budget 2024, the Finance Minister announced that under the PMAY-U 2.0, housing needs of 1 crore eligible urban families will be addressed in the next 5 years.

Pradhan Mantri Awas Yojana Gramin (PMAY-G)

PMAY-G focuses on providing pucca houses to all households living in kutcha houses or all houseless people in rural areas. This scheme combines with other Government schemes to provide basic amenities to the houses, such as electricity, drinking water, clean and efficient cooking fuel, toilet, treatment of solid and liquid waste etc. 

Under this scheme, cost of unit assistance will be shared between the Central and State Government in the ratio 60:40 in plain areas and 90:10 for North Eastern states, Himachal Pradesh, Uttarakhand and Jammu and Kashmir. 

The Union Cabinet approved for the implementation of the PMAY-G during FY 2024-25 to 2028-29 for the construction of additional 2 crore houses. The Ministry of Rural Development will provide assistance to 4.95 crore eligible rural households with basic amenities by March 2029. 

Components of PMAY Gramin (PMAY-G)

The PM Awas Yojana - Urban has 4 major components:

• In-Situ Slum Redevelopment (ISSR) – Under this, slum redevelopment grant of Rs. 1 lakh per house is provided for all houses built for eligible slum dwellers.It aims at leveraging the potential of land under slum areas and providing houses to slum dwellers with participation of private developer.
• Credit Linked Subsidy Scheme (CLSS) –  Under this, the government will provide an interest subsidy of 6.5%, 4% and 3% on loan amount upto Rs. 6 lakh, Rs. 9 lakh and Rs. 12 lakh for the eligible beneficiaries belonging to EWS, LIG, MIG-I and MIG-II respectively obtaining housing loans from banks, housing finance companies and other institutions.
• Affordable Housing in Partnership (AHP) –  In partnership with the Public and Private sector, Rs. 1.5 lakh will be provided to the EWS houses in affordable housing projects where at least 35% of the houses are for EWS category and a single project has at least 250 houses.
• Beneficiary-led Individual House Construction or Enhancement (BLC) –  Under this component, families belonging to EWS category will get a central assistance of Rs 1.50 lakh to construct new houses on their own land. 
• Affordable Rental Housing (ARH) – Under this two models are available. Model-1 will utilise existing Government funded vacant houses by converting them into ARH under PPP mode or by public agencies. Model-2 will construct, operate and maintain rental housing by private or public entities for working women, urban poor, employees of industries, industrial estates, institutions, and other eligible EWS/ LIG families.

Benefits of PM Awas Yojana

• Beneficiaries will get a own house of a minimum size of 25 square meter under PMAY-G. 
• The beneficiaries under PMAY-U will get a own house of 30 square meter to 90 square meter carpet area depending on the location.
• The beneficiaries under the PMAY-G will receive an assistance of Rs. 12,000 for the construction of a toilet from the Swachh Bharat Mission (G).  
• The beneficiaries under the PMAY-U will get a Central assistance of Rs.1.5 lakh per EWS house.
• The government will provide government land or any other land (public land) for landless persons to construct houses under PMAY.
• The houses/ land will be alloted in the name of the woman member or jointly in the name of the husband and wife of the household, thus, empowering women of the country.
• Beneficiaries of PMAY will get interest subsidy on housing loans for acquisition or new construction of houses from the Primary Lending Institutions (PLIs).
• The houses provided to homeless families will improve their socio-economic status and also their quality of life. A house with all amenities will lead to better education, health and overall well-being. 
• The PMAY-U will help to reduce slums in towns and cities by providing the slum dwellers a pucca house. This will help to bring slum dwellers into the formal urban settlement.
• The financial assistance under the scheme is directly transferred to the beneficiaries electronically to their Bank or Post office accounts linked to Aadhaar. Thus, it reduces the chances of fraud and ensures that the beneficiaries receive funds.

Pradhan Mantri Awas Yojana Eligibility

Eligibility for PMAY - Urban:

• EWS households having no pucca house with an annual income cap of Rs. 3 lakh. 
• LIG households having no pucca house with an annual income of Rs. 3 to Rs. 6 lakh. 
• MIG households having no pucca house with an annual income cap of Rs. 6 to Rs. 9 lakh.
• Slum dwellers in urban areas.

Eligibility for PMAY - Gramin:

All the houseless and households living in zero, one or two room kutcha houses with kutcha wall and kutcha roof as per SECC (Socio Economic and Caste Census) data. However, the following households cannot apply for this scheme:

• Living in pucca house 
• Having a motorised two/ three/ four-wheeler 
• Having a mechanised three/ four-wheeler agricultural equipment
• Has a Kisan Credit Card with a credit limit of Rs.50,000 or above 
• Any member of the household is a Government employee
• Has a non-agricultural enterprises registered with the Government
• Pays income/ professional tax
• Own a refrigerator/ landline phone/ 2.5 acres or more of irrigated land/ 5 acres or more of irrigated land for two or more crop seasons/  7.5 acres of land or more with at least one irrigation equipment

Beneficiaries under Pradhan Mantri Awas Yojana

The following are the traget beneficiaries under PMAY - Urban:

• Labour, urban poor (rickshaw pullers, street vendors, other service providers, etc.), industrial workers, and migrants belonging to EWS/ LIG segments
• Scheduled Castes/ Scheduled Tribes/ Other Backward Classes, widows, and minorities belonging to EWS/ LIG segments

The following are the traget beneficiaries under PMAY - Gramin:

• Scheduled Tribes (ST)/ Scheduled Caste (SC)
• Households without shelter 
• Destitute/ living on alms
• Manual scavengers
• Primitive tribal groups
• Legally released bonded labourer

How to Apply for Pradhan Mantri Awas Yojana Online?

Steps to apply for PMAY-U

Step 1: Go to the Pradhan Mantri Awas Yojana Urban 2.0 website.

Step 2: Click on ‘Apply for PMAY-U 2.0’ option.

Step 3: Go through the instruction and click ‘Click to Proceed’ button.

Step 4: Keep the documents ready and click ‘Proceed’.

Step 5: Fill in the eligibility check form and click ‘Eligibility Check’.

Step 6: Enter Aadhaar details, Aadhaar OTP and click ‘Proceed’.

Step 7: You will be redirected to the application form where you will have to fill in the details accurately.

Step 8: Upload the documents and click on ‘Save’ and enter the captcha code.  

Step 9: Next, click on ‘Save’. The application is now complete and a print out can be taken at this stage.

Steps to apply for PMAY-G

Step 1: Login to the Pradhan Mantri Awas Yojana Gramin website.

Step 2: Fill in the required details in the personal details section, upload the consent form and click on ‘Search’.

Step 3: Select the beneficiary and click ‘Select to Register’.

Step 4: The beneficiary details will be automatically generated. Fill in the other details, such as bank details and convergence details. 

Step 5: The final section will be filled in by the concerned office.

How to Apply for Pradhan Mantri Awas Yojana offline?

PMAY-U Apply Process

Eligible beneficiaries can visit the nearest Common Service Centre (CSC) managed by the State Government, obtain the application form, fill it out, and submit the form along with the required documents to the CSC. 

PMAY-G Apply Process

Eligible beneficiaries can visit the respective Gram Panchayat, Village Sabha or lowest unit of local self-government recognised by the respective State/ UT Panchayat Act and submit the details to the Gram Panchayat/ Village Sabha officials for enrolling to the PMAY-G.

Documents Required for PMAY Application

For PMAY-U

• Aadhaar details.
• Aadhaar details of family members.
• Active Aadhaar-linked bank account details.
• Income proof.
• Land document.

For PMAY-G

• Aadhaar card.
• Job card registered with MGNREGA.
• Bank account details.
• Swachh Bharat Mission (SBM) number.
• Affidavit stating the beneficiaries or their family members do not own a pucca house.

How to Check Pradhan Mantri Awas Yojana Status Online? 

For PMAY-U

Step 1: Visit the Pradhan Mantri Awas Yojana Urban Track Status page.

Step 2: Select the 'By Name, Father's Name & Mobile No' option or the ‘By Assessment ID’ option. 

Step 3: Enter the required details and click ‘Submit’.

Step 4: The status will be displayed on the screen.

For PMAY-G

Step 1: Visit the the Pradhan Mantri Awas Yojana Gramin website.

Step 2: Click on ‘Stakeholders’ tab and select ‘IAY/PMAYG Beneficiary’ option.

Step 3: Enter the registration number, captcha code and click ‘Submit’.

Step 4: The status will be displayed on the screen.

Pradhan Mantri Awas Yojana List

Step 1: Visit the the Pradhan Mantri Awas Yojana Gramin website.

Step 2: Click on ‘Awaassoft’ tab and select ‘Report’ option.

Step 3: Under the ‘Social Audit Reports’, click on ‘Beneficiary details for verification’.

Step 4: Select the state, district, block, village, year and enter the captcha code and submit.

Step 5: The PMAY list will be displayed on the screen.

The PMAY-U and PMAY-G provide affordable housing to people belonging to the weaker sections of the society. Under this scheme, assistance is provided to the beneficiaries to build their own houses with basic amenities and ensures better quality of life. As of 02 February 2025, 3.34 crore houses have been sanctioned and 2.69 crore houses have been completed under the PMAY-U.