On June 1, 2015, Pradhan Mantri Awas Yojana was officially introduced. The प्रधानमंत्री आवास योजना PMAY is a government of India initiative that intends to provide affordable housing to India’s urban poor by 2022. The deadline for applying for the PMAY CLSS scheme for LIG and EWS has been extended to March 31, 2022. Read below to check the detailed information related to the Pradhan Mantri Awas Yojana 2023 like Highlights, Objectives, Features and Benefits, Eligibility Criteria, Application Procedures, Application Status, and much more.
Pradhan Mantri Awas Yojana 2023
A Credit Linked Subsidy Plan (CLSS) is provided to eligible beneficiaries such as the Economically Weaker Section (EWS), the Low Income Group (LIG), and the Medium Income Group (MIG) under this scheme (MIG). The Credit Linked Subsidy Scheme provides an upfront discount on the principal outstanding on a home loan for house construction/acquisition, including buyback. The PMAY scheme has an interest rate that starts at 6.50 percent per annum and can be used for up to 20 years. The government provides a subsidy of Rs 2.67 lakh on the interest of a home loan when buying a house under the Pradhan Mantri Awas Yojana.
Under this initiative, the Uttar Pradesh Awas Vikas Parishad would provide cheap housing. This scheme has received applications for roughly 3516 dwellings in Uttar Pradesh. These homes may be found in 19 cities across Uttar Pradesh.
Features and Benefits of PM Awas Yojana
Some of the key benefits of प्रधानमंत्री आवास योजना are as follows:
- The allotment of ground floors will prioritize differently-abled and senior residents.
- All participants of the PMAY Scheme receive a subsidized interest rate of 6.50 percent per annum on housing loans for 20 years.
- The project encompasses the entire country’s metropolitan areas, including 4041 statutory towns, with 500 Class I cities receiving first consideration. This will be accomplished in three stages.
- Construction would be done with environmentally friendly and sustainable technologies.
- The credit-linked subsidy component of the PM Awas Yojana is administered in all statutory towns in India from the beginning.
PMAY Scheme Highlights
| Scheme Name | Pradhan Mantri Awas Yojana |
| Introduced by | PM Narendra Modi |
| Launched On | 22 June 2015 |
| Beneficiary | poor people of the country |
| Objective | to provide pucca house |
| PM Awas Yojana Phase 1 Period | April 2015 to March 2017 |
| PM Awas Yojana Phase 2 Period | April 2017 to March 2019 |
| PM Awas Yojana Phase 3 Period | April 2019 to March 2022 |
| Application Process | Online |
| Official website | https://pmaymis.gov.in/ |
PMAY Key Dates
The PMAY Program will be implemented in three stages.
| Stage | Phase 1 | Phase 2 | Phase 3 |
| Starting date | 04/01/15 | 04/01/17 | 04/01/19 |
| Last date | 03/01/17 | 03/01/19 | 03/01/22 |
| Cities covered | 100 | 200 | Remaining cities |
Note: The dates given below are tentative and are subject to change.
Beneficiaries of the Pradhan Mantri Awas Yojana
The following are the beneficiaries of the प्रधानमंत्री आवास योजना
| Beneficiary | Annual Income |
| Middle Income Group I (MIG I) | Rs.6 lakh to Rs.12 lakh |
| Middle Income Group I (MIG II) | Rs.12 lakh to Rs.18 lakh |
| Lower Income Group (LIG) | Rs.3 lakh to Rs.6 lakh |
| Economically Weaker Section (EWS) | Up to Rs.3 lakh |
Pradhan Mantri Awas Yojana Scheme Details
The essential PMAY Details are mentioned in the table below:
| EWS | LIG | MIG I | MIG II | |
| PMAY Income Criteria | Up to ₹ 3 Lakh | ₹ 3 Lakh – ₹ 6 Lakh | ₹ 6 Lakh – ₹ 12 Lakh | ₹ 12 Lakh – ₹ 18 Lakh |
| Interest Subsidy | 6.50% | 6.50% | 4.00% | 3.00% |
| Maximum Home Loan Amount | ₹ 6 Lakh | ₹ 6 Lakh | ₹ 9 Lakh | ₹ 12 Lakh |
| The maximum Interest Subsidy amount | ₹ 2.67 Lakh | ₹ 2.67 Lakh | ₹ 2.35 Lakh | ₹ 2.30 Lakh |
| PMAY Carpet area (Max) | 30 sq. m. | 60 sq. m. | 160 sq. m. | 200 sq. m. |
Pradhan Mantri Awas Yojana Types
The PMAY is divided into two sub-sections, each focusing on a different area:
- Pradhan Mantri Awas Yojana Gramin: Previously known as the Indira Awas Yojana, the PMAY– Gramin (PMAY-G) was renamed PMAY-G in 2016. The plan aims to provide eligible recipients in India’s rural areas with inexpensive and convenient dwelling units (excluding Chandigarh and Delhi). The Government of India and the different state governments split the cost of housing development in the ratio of 60:40 for plain areas and 90:10 for North-Eastern and hilly areas under this plan.
- Pradhan Mantri Awas Yojana Urban (PMAYU): As the name suggests, the Pradhan Mantri Awas Yojana – Urban (PMAYU) focuses on India’s urban areas. There are currently 4,331 towns and cities affiliated with this scheme. The scheme is put up to work in three different phases:
- 1st Phase: From April 2015 to March 2017, the government aimed to reach 100 cities in various states and UTs across the country under Phase 1.
- 2nd Phase: From April 2017 to March 2019, the government aimed to cover 200 more cities in various states and UTs across the country under Phase 2.
- 3rd Phase: The government aimed to cover the cities that were left out of Phases 1 and 2 by the end of March 2022, to complete the project by the end of March 2022.
Eligibility Criteria for Pradhan Mantri Awas Yojana
The applicants applying for Pradhan Mantri Awas Yojana must fulfill the following eligibility criteria:
- Family members of the applicant must not possess a home in any area of the country.
- The Applicant’s family must not have benefited from any of the Government of India’s housing-related initiatives.
- In the event of a married pair, either a single or joint ownership contract is permitted, with both receiving a single subsidy.
| Section | Annual Family Income | Maximum carpet area |
| EWS | Rs.3 lakh | 60 square meters (645.83 square feet) |
| LIG | Rs.6 lakh | 60 square meters (645.83 square feet) |
| MIG1 | Rs.6 lakh to Rs.12 lakh | 160 square meters (1722.33 square feet) |
| MIG2 | Rs.12 lakh to Rs.18 lakh | 200 square meters (2152.78 square feet) |
West Bengal Lakshmi Bhandar Scheme
Required Documents for Pradhan Mantri Awas Yojana
While filling up the application form for Pradhan Mantri Awas Yojana, some important documents will be needed by the applicants, make sure to keep them handy. The documents required for Pradhan Mantri Awas Yojana are as follows:
- Any valid Identity proof like Aadhaar Card, Passport, Voter ID card, etc.
- Any valid Address proof like Aadhaar card, Voter ID card, ration card, Passport, utility bill, etc.
- Proof of Business existence and business address
- Valid Income proof like Salary slip, financial documents for self-employed, Form 16 for salaried, bank account statement, ITR files for previous years for both.
- Property documents like Copy of allotment letter, developer payment receipt, copy of the agreement to sell, etc.
Banks offering Home Loans Under PMAY Scheme
The following is the list of banks that offer home loans under the Pradhan Mantri Awas Yojana scheme.
- Axis Bank
- Bank of Baroda
- Bank of India
- Bandhan Bank
- Canara Bank
- HDFC Bank
- IDFC First Bank
- ICICI Bank
- IDBI Bank
- Punjab National Bank
- State Bank of India
Steps to Apply for Pradhan Mantri Awas Yojana Online
Applicants need to follow the below-given steps to apply for the Pradhan Mantri Awas Yojana
- First of all, go to the Official Website of the Pradhan Mantri Awas Yojana
- The homepage of the website will open on the screen.
- Click on the Citizen Assessment option followed by any one of the options:
- For Slum Dwellers
- Benefits under other 3 components.
- Now, enter your Aadhaar card details.
- After verification, you will be redirected to the application form.
- Now, fill in the form with all the required details like Name, Contact Number, Personal details, Bank account, and income details, etc.
- Review and recheck the form to avoid any mistakes.
- After that, enter the captcha code and click on the Save button to complete the application process.
- Finally, take the printout of the application form for future reference.
Steps to Apply for Pradhan Mantri Awas Yojana Offline
Applicants need to follow the below-given steps to apply for the Pradhan Mantri Awas Yojana in the offline mode:
- First of all, visit the Common Service Centre (CSC) established by the state and union territory administrations.
- Get the application form.
- Now, fill in the application form with all the required details.
- After that, pay Rs.25 + GST and submit the application form.
Steps to Check the Pradhan Mantri Awas Yojana Application Status
There are two methods to check the Pradhan Mantri Awas Yojana Application Status:
- With Assessment ID
- By entering other personal details such as Name, Father’s Name & Mobile No
- With Assessment ID
To check the Pradhan Mantri Awas Yojana application status with Assessment ID, applicants need to follow the below-given steps:
- First of all, go to the Official Website of the Pradhan Mantri Awas Yojana
- The homepage of the website will open on the screen.
- Click on the Citizen Assessment option followed by Track Your Assessment Status option.
- A new page will open on the screen with two options i.e.,
- By Assessment ID
- By Name, Father’s Name & Mobile No
- Click on the By Assessment ID option
- A new page will open on the screen.
- Enter your Assessment Id and Mobile Number
- After that click on the Submit button.
- Once you will click on the Submit button, the status of your application will open on the screen.
- By entering other personal details such as Name, Father’s Name & Mobile No
To check the Pradhan Mantri Awas Yojana application status using personal details such as Name, Father’s Name & Mobile No, applicants need to follow the below-given steps:
- First of all, go to the Official Website of the Pradhan Mantri Awas Yojana
- The homepage of the website will open on the screen.
- Click on the Citizen Assessment option followed by Track Your Assessment Status option.
- A new page will open on the screen with two options i.e.,
- By Assessment ID
- By Name, Father’s Name & Mobile No
- Click on the By Name, Father’s Name & Mobile No. option.
- A new page will open on the screen.
- Select your State Name, District Name, City Name, enter your Name, Fathers Name, Mobile Number, Select your Id Type.
- Finally click on the submit button, to track the status of the Pradhan Mantri Awas Yojana application form.
Search PMAY Beneficiary Details
- First of all, go to the Official Website of the Pradhan Mantri Awas Yojana
- The homepage of the website will open.
- Now from the page, go to the search beneficiary option.
- A new page will open on the screen.
- On this page, you have to enter your Aadhaar number.
- After that click on the show button.
- The beneficiary details will appear on the screen
Print Assessment Form
- First of all, go to the Official Website of the Pradhan Mantri Awas Yojana
- The homepage of the website will open.
- Now from the page, go to the Print Assessment Form option
- A new page will open on the screen.
- Now select how you want to print the assessment form
- by name father’s name and mobile number or
- by assessment ID
- After that provided for the details according to the selected option.
- Now click on the submit option.
- The assessment form will open.
- Click on the print option to download it.
Edit Assessment Form
- First of all, go to the Official Website of the Pradhan Mantri Awas Yojana
- The homepage of the website will open.
- Now from the page, go to the Citizen Assessment option.
- Now click on the Edit Assessment Form option
- A new page will open on the screen.
- Enter the assessment id and mobile number.
- Now click on the Show option.
List of State Level Nodal Agencies for Pradhan Mantri Awas Yojana
| State/UT | Organization Name | Address and Email |
| Andaman and Nicobar Islands | Union Territory of Andaman and Nicobar Islands | Municipal Council, Port Blair – 744101Email: jspwdud@gmail.com |
| Assam | Government of Assam | Block A, Room no. 219, Assam Secretariat, Dispur, Guwahati – 781006Email: directorcpassam@gmail.com |
| Andhra Pradesh | Andhra Pradesh State Housing Corporation Limited | Andhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad – 500029Email: apshcl.ed@gmail.com |
| Andhra Pradesh | Andhra Pradesh Township Infrastructure Development Corporation Limited | Flat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada – 520004Email: aptsidco@gmail.com,mdswachchandhra@gmail.com |
| Arunachal Pradesh | Government of Arunachal Pradesh | Department of Urban Development and Housing, Mob-II, ItanagarEmail: chiefengineercumdir2009@yahoo.com,cecumdirector@udarunachal.in |
| Bihar | Government of Bihar | Urban Development and Housing Department, Vikas Bhawan, Bailey Road, New Secretariat, Patna, Bihar – 15Email: sltcraybihar@gmail.com |
| Chandigarh | Chandigarh Housing Board | Sector 9-D, Chandigarh – 160017Email: chb_chd@yahoo.com,infor@chb.co.in |
| Chhattisgarh | Government of Chhattisgarh | Mahanadi Bhawan Mantralaya, Room No. S-1/4, Naya Raipur, ChhattisgarhEmail: pmay.cg@gmail.com |
| Dadra and Nagar Haveli | Union Territory of Dadra and Nagar Haveli | Secretariat, Silvassa – 396220Email: pp_parmar@yahoo.com |
| Dadra and Nagar Haveli, and Daman and Diu | Union Territory of Dadra and Nagar Haveli, and Daman and Diu | Secretariat, Silvassa – 396220Email: devcom-dd@nic.in |
| Gujarat | Government of Gujarat | Affordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar – 382010Email: gujarat.ahm@gmail.com,mis.ahm2014@gmail.com |
| Goa | Government of Goa | GSUDA, 6th Floor, Shram Shakti Bhavan, Patto – PanajiEmail: gsuda.gsuda@yahoo.com |
| Haryana | State Urban Development Agency | Bays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana – 134112Email: suda.haryana@yahoo.co.in |
| Himachal Pradesh | Directorate of Urban Development | Palika Bhawan, Talland, ShimlaEmail: ud-hp@nic.in |
| Jammu and Kashmir | Jammu and Kashmir Housing Board | Email: Jkhousingboard@yahoo.com,raysltcjkhb@gmail.com |
| Jharkhand | Urban Development Department | 3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004Email: jhsltcray@gmail.com,director.ma.goj@gmail.com |
| Kerala | State Poverty Eradication Mission | TRIDA Building, Jn. Medical College, PO ThiruvananthapuramEmail: uhmkerala@gmail.com |
| Karnataka | Government of Karnataka | 9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore – 560001Email: dmaray2012@gmail.com |
| Madhya Pradesh | Urban Administration and Development, GoMP | Palika Bhawan, Shivaji Nagar, Bhopal – 462016Email: addlcommuad@mpurban.gov.in,mohit.bundas@mpurban.gov.in |
| Mizoram | Urban Development & Poverty Alleviation, Government of Mizoram | Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram – 796005Email: hvlzara@gmail.com |
| Maharashtra | Government of Maharashtra | Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai – 400051Email: mhdirhfa@gmail.com,cemhadapmay@gmail.com |
| Meghalaya | Government of Meghalaya | Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001Email: hfamanipur@gmail.com,tpmanipur@gmail.com |
| Manipur | Government of Manipur | Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001Email: hfamanipur@gmail.com,tpmanipur@gmail.com |
| Nagaland | Government of Nagaland | Municipal Affairs cell, A.G. Colony, Kohima – 797001Email: zanbe07@yahoo.in |
| Odisha | Housing and Urban Development (H&UD) Department | 1st Floor, State Secretariat, Annex – B, Bhubaneswar – 751001Email: ouhmodisha@gmail.com |
| Puducherry | Government of Puducherry | Town & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry – 605005Email: tcppondy@gmail.com |
| Punjab | Punjab Urban Development Authority | PUDA Bhawan, Sector 62, SAS Nagar, Mohali, PunjabEmail: office@puda.gov.in,ca@puda.gov.in |
| Rajasthan | Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO) | 4-SA-24, Jawahar Nagar, Jaipur, RajasthanEmail: hfarajasthan2015@gmail.com |
| Sikkim | Government of Sikkim | Department of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok – 737102Email: gurungdinker@gmail.com |
| Telangana | Government of Telangana | Commissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, HyderabadEmail: tsmepma@gmail.com |
| Tamil Nadu | Government of Tamil Nadu | Tamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu – 600005Email: raytnscb@gmail.com |
| Tripura | Government of Tripura | Directorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor, Khadya Bhawan, Agartala – 799006Email: sipmiutripura@gmail.com |
| Uttarakhand | Directorate of Urban Development | State Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, DehradunEmail: pmayurbanuk@gmail.com |
| Uttar Pradesh | State Urban Development Agency (SUDA) | Navchetana Kendra, 10, Ashok Marg, Lucknow – 226002Email: hfaup1@gmail.com |
| West Bengal | State Urban Development Authority | ILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata – 700106Email: wbsuda.hfa@gmail.com |
Contact Us
For further details or in case of any query or complaint related to the Pradhan Mantri Awas Yojana, feel free to contact on the below-given numbers:
- 1800-11-6163 (Urban, HUDCO)
- 1800-11-3388 (Urban, NHB)
- 1800-11-3377 (Urban, NHB)
- 1800-11-6446 (Gramin)