Pradhan Mantri Awas Yojana – Urban (PMAY-U), a flagship Mission of the Government of India being implemented by the Ministry of Housing and Urban Affairs (MoHUA), was launched on 25th June 2015. The Mission addresses urban housing shortage among the EWS/LIG and MIG categories including the slum dwellers by ensuring a pucca house to all eligible urban households by the year 2022 when the Nation completed 75 years of its Independence.


The Mission provides Central Assistance to the implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all Gifts for Couples eligible families/ beneficiaries against the validated demand for houses for about 1.12 cr. As per (U) guidelines, the size of a house for the Economically Weaker Section (EWS) could be up to 30 sq. mt. carpet area, however, States/UTs have the flexibility to enhance the size of houses in consultation and approval of the Ministry.


Unlike other schemes, the government efforts towards Women empowerment from EWS and LIG, PMAY (U) has made a mandatory provision for the female head of the family to be the owner or co-owner under this mission.


Pradhan Mantri Awas Yojana is basically a Credit Linked Subsidy Scheme (CLSS), which means PMAY scheme beneficiaries are eligible for interest subsidy if they want a Home Construction Loan


Types of PMAY Schemes


This scheme is not only restricted to urban areas but also to the slums, rural areas, etc. There are 2 types of schemes based on the area that are as mentioned below:



  • Pradhan Mantri Awas Yojana Gramin:


This plan was launched to aid families that are classified as Economically Weaker Sections and Lower Income Groups so as to enable them to afford their homes.



  • Pradhan Mantri Awas Yojana Urban:


It comprises around 4300 cities and towns across India. It undertakes the responsibility of planning across urban centers, including development authority, industrial development body, special area development department, notified planning authority, and others.


Income Range for Economic Groups under PMAY Housing Scheme


The applicants for this scheme have to check their eligibility for subsidy considering the total income of all the members in a family from all sources.


Below mentioned are the different economic groups divided as per Annual Income Range for easy assessment:


Economic Sections Annual Income Range Eligible Subsidy (%)
EWS Up to INR 3 Lakh 6.5
LIG Between INR 3 Lakh and INR 6 Lakh 6.5
MIG I Between INR 6 Lakh and INR 12 Lakh 4
MIG II Between INR 12 Lakh and INR 18 Lakh 3


In case the family income exceeds INR 18 lakhs p.a., the applicant becomes ineligible for the subsidy under the scheme. 


Pradhan Mantri Awas Yojana Scheme Details Urban


Below mentioned are the features of PMAY-U:


Features MIG-I MIG-II
Interest rate subsidy 4.00% 3.00%
The maximum carpet area of a dwelling unit  160 sq. m 200 sq. m
Maximum subsidy amount INR 2.35 Lakh INR 2.30 Lakh
Maximum Home Loan Quantum for Subsidy INR 9 Lakh INR 12 Lakh
Maximum home loan tenure 20 years 20 years
The discount rate for interest subsidy NPV 9% 9%


Advantages of PMAY- Gramin


Below mentioned are the offers of the Gramin Division of PM Awas Yojana:



Features EWS LIG
Interest rate subsidy 6.50% 6.50%
Maximum dwelling unit carpet area 30 sq. m 60 sq. m
Maximum interest rate subsidy amount INR 2.67 Lakh INR 2.67 Lakh
Maximum home loan quantum for subsidy INR 6 lakh INR 6 lakh
Maximum home loan tenure 20 years 20 years
The discount rate for interest subsidy NPV 9% 9%


Documents Required


Below mentioned is the list of documents required to apply for Pradhan Mantri Awas Yojana:



  • In the case of Salaried Employees



  • Application Form downloaded from the website.
  • Identity Proof – PAN Card is mandatory.

– Identity Proof like Aadhar Card, Voter ID Card, Driving License, Passport, and Photo Identity Card issued by Government Authority.

  • Address Proof – Valid Passport

        – Voter ID Card

        – Aadhar Card

        – Utility Bill

        – Rent Agreement

        – Life Insurance Plan

        – Residence Address Certificate

        – Savings Bank Account statement in the post office

        – Property Tax Receipts

    – Credit Card Statements that should not be older than three months, etc.  



  • Income Proof – 6 Months Bank Statement

      – Last 2 Months Salary Slip 

      –  ITR or Latest Form 16 



  • Property Documents – Agreement to sell

      – A chain of property documents

      – Allotment letter or buyer agreement

      – A copy of receipts related to any payments made to the developer.



  • In the case of Self-Employed



  • Address Proof 
  • Income Proof – ITR for the preceding 2 years.

      – Profit & Loss Statement

      – Balance Sheet

      – Last 6 months’ account statement for the business


PMAY customer Care Helpline Line Numbers


Below mentioned are the toll-free numbers to get the queries resolved:



  • 1800-11-6163 (Urban, Hudco)
  • 1800-11-6446 (Gramin)
  • 1800-11-3388 (Urban, NHB)
  • 1800-11-3377 (Urban, NHB)


How to Apply for PMAY Scheme?


Let us now understand How to Apply for Pradhan Mantri Awas Yojana by following some simple steps: 


Step 1: Open the official website of PMAY.

Step 2: Click on “Citizen Assessment” under the “Menu” tab.

Step 3: Enter the Aadhar Card Number.

Step 4: After submission of the Aadhar Card, it will automatically be redirected to the application page.

Step 5: Provide all details asked for like income details, personal details, bank account details, etc.

Step 6: Recheck all the information provided.

Step 7: Click on “Save” and then a unique application number would be received.

Step 8: Download the filled-in application form.

Step 9: Submit the form to the nearest CSC office or financial institution along with the necessary documents.


Eligibility Criteria


Below mentioned are the eligibility criteria for PMAY:



  • The income range would decide where a person’s category i.e. EWS/ LIG or MIG will fall. If the family’s annual income exceeds the income range for the MIG group, i.e.  INR 18 Lakh per year, they would be ineligible to avail of benefits under the PMAY.
  • There is a mandatory requirement for the name of the woman on the property papers. It can be a sole proprietorship or joint ownership, where one of the owners must be a female. 
  • It is applicable only in the case of a new property.
  • The beneficiaries must not have availed any central assistance or benefits from any other housing scheme beforehand, from either the state or the central government for the scheme to apply.
  • Beneficiaries must not have availed of benefits under any other credit-linked subsidy scheme from any of the financial institutions beforehand.
  • In case of renovation or extension of an existing property, the said work must be completed within 36 months from receiving the first loan installment.