What this scheme offers
PMAY runs as two linked programmes. PMAY-Urban 2.0 (effective from September 2024, running through 2029) supports around 1 crore additional houses for the urban poor and middle class, through four verticals — Beneficiary-Led Construction, Affordable Housing in Partnership, Affordable Rental Housing, and an interest subsidy scheme. PMAY-Gramin covers rural households, with beneficiaries identified through the Awaas+ survey and paid in installments tied to construction progress.
Who is eligible
- Must not currently own a pucca (permanent) house anywhere in India.
- Urban: belongs to the EWS, LIG, MIG-I or MIG-II income category, and hasn't received housing assistance under another central/state housing scheme in the preceding 20 years.
- Rural: household appears in the SECC/Awaas+ list, verified by the local gram sabha; priority given to SC/ST households, minorities, freed bonded labourers, and persons with disabilities.
- Urban Beneficiary-Led Construction track: EWS families (income up to ₹3 lakh) who already own land but need help constructing.
Documents required
- Aadhaar card, PAN or Voter ID
- Address proof (ration card, electricity bill, residence certificate)
- Income certificate or salary slip
- Bank passbook copy
- Passport-size photo
- Land or property documents, where applicable
How to apply
- Urban: Visit the PMAY-Urban portal, select "Citizen Assessment," choose the option for slum dwellers or the other three components as applicable, and complete the Aadhaar-based online form.
- Urban (offline): Visit your nearest Common Service Centre, purchase the physical application form, and submit it with the required document copies.
- Rural: Check your name in the Awaas+/SECC list at your gram panchayat; the panchayat secretary or block office initiates registration on the PMAY-Gramin portal.
- Track your application status online using your registration number once submitted.