Pradhan Mantri Awas Yojana (PMAY) – Apply Online 2026

Pradhan Mantri Awas Yojana is a flagship housing initiative launched by the Government of India on 25th June 2015, designed to address the critical housing shortage faced by economically weaker sections, low-income groups, and middle-income groups across urban and rural India. The scheme represents a comprehensive approach to ensuring affordable housing accessibility for millions of Indian families who aspire to own a pucca house.

The mission operates through the Ministry of Housing and Urban Affairs for urban areas and the Ministry of Rural Development for rural regions. Since its inception, the program has facilitated the construction and allocation of over 3.34 crore houses, demonstrating its significant impact on India’s housing landscape.

PMAY Overview

PMAY Components: Urban vs Gramin

PMAY Urban (PMAY-U)

PMAY Urban addresses housing needs in cities and towns for slum dwellers and urban poor families. The scheme operates through four main verticals with different approaches to affordable housing delivery.

PMAY Gramin (PMAY-G)

PMAY Gramin focuses on rural areas, providing pucca houses to families living in kutcha houses or those who are completely houseless. Priority is given to SC/ST communities, manual scavengers, and other vulnerable groups.

PMAY 2.0: New Phase Launched September 2024

The government launched PMAY-U 2.0 in September 2024 with an ambitious target of providing housing to 1 crore urban families over the next 5 years. This new phase introduces the Interest Subsidy Scheme (ISS) with enhanced benefits.

Key Features of PMAY 2.0:

• Coverage extended to MIG families (income up to Rs. 9 lakh)
• Interest subsidy of 4% on home loans
• Maximum subsidy benefit of Rs. 1.80 lakh
• Simplified online application process
• Direct Benefit Transfer (DBT) for transparent fund release

PMAY Eligibility Criteria

Income-Based Categories

Essential Eligibility Conditions

You are eligible if:

• You do not own a pucca house in your name or any family member’s name anywhere in India
• Your family comprises husband, wife, and unmarried children only
• You have not availed any housing scheme benefit in the last 20 years
• You possess Aadhaar card linked with mobile number
• You agree to house ownership in female member’s name or jointly

You are NOT eligible if:

• You already own a pucca house anywhere in India
• Any family member has received housing assistance before
• You are a government employee (for PMAY-G)
• You own motorized vehicles or significant agricultural land (for PMAY-G)
• Your income exceeds the category limits

PMAY Urban: Four Verticals Explained

1. In-Situ Slum Redevelopment (ISSR)

Slum areas are redeveloped using the same land with private developer participation. Slum dwellers get ownership of newly constructed flats.

Benefits:

• Central assistance: Rs. 1 lakh per house
• Ownership rights to slum dwellers
• Modern amenities in redeveloped areas

2. Credit Linked Subsidy Scheme (CLSS) / Interest Subsidy Scheme (ISS)

Home loan borrowers receive interest subsidy directly credited to their loan account, reducing EMI burden.

PMAY 2.0 ISS Benefits:

• 4% interest subsidy on first Rs. 8 lakh
• Maximum benefit: Rs. 1.80 lakh
• Calculated over 12 years
• Applicable on loans from September 2024

3. Affordable Housing in Partnership (AHP)

Government partners with private developers to build affordable housing projects where 35% units are reserved for EWS families.

Benefits:

• Central assistance: Rs. 1.5 lakh per EWS house
• Quality construction by private developers
• Ready-to-move flats

4. Beneficiary-Led Construction (BLC)

Individual families construct houses on their own land with government financial assistance and technical support.

Benefits:

• Central assistance: Rs. 1.5 lakh
• Freedom to design own house
• Technical guidance from authorities

5. Affordable Rental Housing (ARH)

Two models provide rental housing for migrants, working women, and industrial workers:

PMAY Apply Online 2026: Step-by-Step Process

PMAY Urban Online Application

Step 1: Visit Official Portal

• Go to pmay-urban.gov.in
• Click on “Apply for PMAY-U 2.0”

Step 2: Read Instructions

• Go through eligibility criteria carefully
• Check required documents list
• Click “Proceed”

Step 3: Eligibility Check

• Fill basic details
• Select your category (EWS/LIG/MIG)
• System will verify eligibility

Step 4: Aadhaar Verification

• Enter 12-digit Aadhaar number
• Receive OTP on registered mobile
• Enter OTP and authenticate

Step 5: Fill Application Form

• Personal details (name, father’s name, date of birth)
• Contact details (mobile, email, address)
• Family member details
• Income information
• Bank account details (Aadhaar-linked)
• Property/land details

Step 6: Upload Documents

• Aadhaar card (all family members)
• Income proof (salary slips/IT returns)
• Identity proof (PAN/Voter ID)
• Bank account proof
• EWS/LIG/MIG certificate
• Land documents (if applicable)
• Affidavit for not owning pucca house

Step 7: Submit Application

• Review all entered information
• Enter captcha code
• Click “Save” and “Submit”
• Note down Assessment ID (for tracking)
• Take printout for records

PMAY Gramin Online Application

Step 1: Visit PMAY-G Portal

• Go to pmayg.nic.in
• Or visit your Gram Panchayat office

Step 2: Check SECC Data

• Your name must appear in SECC 2011 database
• Gram Panchayat will verify your details

Step 3: Fill Registration Form

• Provide Aadhaar details
• Family member information
• Upload consent form
• Submit for verification

Step 4: Gram Panchayat Verification

• GP will verify your kutcha house/houseless status
• Physical inspection conducted
• Eligibility confirmed

Step 5: Complete Registration

• Bank account details
• MGNREGA job card number
• Swachh Bharat Mission number
• Convergence details

Step 6: Approval and Sanction

• District authorities approve application
• Sanction letter issued
• First installment released

Offline Application Method

PMAY Status Check: Track Your Application

Method 1: Check by Assessment ID

For PMAY Urban:

1. Visit pmaymis.gov.in/Track_Application_Status.aspx
2. Select “By Assessment ID”
3. Enter Assessment ID (received during application)
4. Enter registered mobile number
5. Click “Submit”
6. View complete application status

Method 2: Check by Name

For PMAY Urban:

1. Visit PMAY MIS portal
2. Select “By Name, Father’s Name & Mobile No”
3. Choose State, District, City
4. Enter your name
5. Enter father’s name
6. Enter mobile number
7. Click “Submit”
8. View application progress

Method 3: PMAY Gramin Status

For Rural Beneficiaries:

1. Visit pmayg.nic.in
2. Click “Stakeholders” menu
3. Select “IAY/PMAYG Beneficiary”
4. Enter registration number
5. Enter captcha code
6. Click “Submit”
7. View sanction details and payment status

PMAY List 2025: Check Beneficiary Lists

PMAY Urban List

How to Check:

1. Visit pmaymis.gov.in
2. Go to “Search Beneficiary” section
3. Select your state
4. Choose district
5. Select city/town
6. Choose scheme component
7. Click “Search”
8. View complete beneficiary list

PMAY Gramin List 2019-20 and 2025

How to Check:

1. Visit pmayg.nic.in
2. Click “Awaassoft” menu
3. Select “Report”
4. Choose “Social Audit Reports”
5. Click “Beneficiary details for verification”
6. Select State → District → Block → Panchayat → Village
7. Select financial year
8. Enter captcha
9. Click “Submit”
10. Download/view PMAY house list

PMAY Waiting List 2025

State-Specific Waiting Lists:

For PMAY-G waiting list, contact your district Rural Development office or check state rural development department website.

PMAY 2.0 Interest Subsidy Scheme (ISS) Details

Subsidy Calculation

Example Calculation:

If you take a home loan of Rs. 20 lakh at 9% interest:

• Subsidy applies on first Rs. 8 lakh
• Effective interest: 5% on Rs. 8 lakh, 9% on Rs. 12 lakh
• Total subsidy benefit: Rs. 1.80 lakh (adjusted in principal)
• Your EMI reduces significantly

ISS Eligibility Parameters

How Subsidy is Released

Upfront Credit: PLI credits subsidy by reducing principal amount immediately

5 Yearly Installments: Remaining subsidy released in 5 parts over loan tenure

Conditions for Release:

• Loan must be active
• More than 50% principal outstanding
• No default in EMI payments
• Account should not be NPA

Documents Required for PMAY

PMAY Urban Documents Checklist

PMAY Gramin Documents Checklist

PMAY Benefits: What You Get

Financial Benefits

Non-Financial Benefits

Women Empowerment:

• House ownership in female name or jointly
• Financial independence
• Social security

Basic Amenities:

• All-weather pucca house
• Toilet facility
• Electricity connection
• LPG for cooking
• Piped drinking water
• Proper drainage

Social Benefits:

• Improved living standards
• Better health outcomes
• Children’s education improvement
• Reduced vulnerability
• Asset creation

Other Advantages:

• Direct Benefit Transfer (no middlemen)
• Online tracking facility
• Technical support for construction
• Quality construction standards
• Eco-friendly building technology

PMAY Gramin: Rural Housing Details

Unit Assistance Structure

Installment Release Pattern

PMAY Gramin Waiting List 2025

Priority Categories:

1. SC/ST households
2. Houseless families
3. Manual scavengers
4. Women-headed households
5. Differently-abled members
6. Primitive tribal groups
7. Bonded labor (released)

State-wise Waiting List Status:

PMAY Subsidy Status Check

CLSS/ISS Subsidy Tracking

Using CLAP Portal:

1. Visit clap.mohua.gov.in
2. Enter application details
3. Check subsidy claim status
4. View disbursement schedule

Through Bank:

1. Contact your loan bank/PLI
2. Provide loan account number
3. Ask for PMAY subsidy status
4. Check if claim submitted to NHB

Through NHB:

• National Housing Bank processes all subsidy claims
• Status available on CLAP portal
• PLI submits claims quarterly

PMAY MIS Portal: pmaymis.gov.in

Features Available

For Beneficiaries:

• Application submission
• Status tracking
• Beneficiary search
• Download sanction letter
• Check payment status
• Print completion certificate

For Public:

• State-wise progress
• City-wise data
• Component-wise analysis
• Financial reports
• Success stories
• Photo gallery

For Officials:

• Application approval
• Fund release
• Progress monitoring
• Report generation
• Grievance handling

Mobile Apps for PMAY

PMAY Registration: Important Points

Before Registration

Verify Eligibility:

• Check income eligibility for your category
• Confirm no family member owns pucca house
• Ensure Aadhaar is linked with mobile
• Keep all documents ready

Choose Right Component:

• BLC: If you own land
• AHP: For ready flat in project
• ISSR: If living in slum
• ISS: For home loan subsidy

During Registration

Provide Accurate Information:

• Name should match Aadhaar
• Correct mobile number crucial
• Bank account must be Aadhaar-linked
• Income declaration under oath

Common Mistakes to Avoid:

• Wrong income declaration
• Incomplete family details
• Poor quality document scans
• Not saving Assessment ID
• Not taking printout

After Registration

Follow-up Actions:

• Note Assessment ID
• Check status regularly
• Respond to verification calls
• Submit additional documents if asked
• Keep mobile number active

PMAY Housing Loan Process

How to Apply for Housing Loan with PMAY Subsidy

Step 1: Check Eligibility

• Verify you meet PMAY 2.0 criteria
• Check your CIBIL score (700+ preferred)
• Calculate affordable EMI

Step 2: Choose Lender

• Select bank/HFC empanelled with NHB
• Compare interest rates
• Check processing fees

Step 3: Submit Loan Application

• Fill loan application form
• Provide income documents
• Submit property papers
• Pay processing fees

Step 4: Register on PMAY Portal

• Create application on pmay-urban.gov.in
• Mention PLI details
• Submit for subsidy claim

Step 5: Loan Processing

• Bank verifies documents
• Property valuation done
• Legal verification completed
• Loan sanctioned

Step 6: Subsidy Credit

• Bank submits claim to NHB
• Subsidy approved
• Amount credited to loan account
• Reduced principal, lower EMI

Top Banks Offering PMAY Loans

PMAY Scheme Progress Report

National Achievement (As of 2025)

State-wise Top Performers

Official PMAY Portals and Websites