Home

Schemes

Services

Community

About Us

PM Awas Scheme for Urban and Gramin - Pradhan Mantri Awas Yojna List, Eligibilty, Apply Online

avatar
Komal Bajpai

Author

Updated: 28-01-2025 at 6:28 AM

share-svg
eye-svg

1k

PM Awas Scheme for Urban and Gramin - Pradhan Mantri Awas Yojna List, Eligibilty, Apply Online

 Being able to afford a house is a dream for many, especially for the people belonging to the economically weaker sections of society, Pradhan Mantri Awas Yojana - Urban and Gramin (PMAY-U) and PMAYG help people buy their own houses with the help of subsidies on loan interest. After covering Pradhan Mantri Awas Yojana-Gramin, let us understand the view for Urban development.

What Is The Pradhan Mantri Awas Yojana?

The Pradhan Mantri Awas Yojna (PMAY) is a flagship initiative launched by the Government of India to address the country's housing needs, aiming to provide affordable housing to the urban and rural poor. The scheme, which began on 25 June 2015, is managed by the Ministry of Housing and Urban Affairs (MoHUA) and is structured to ensure that every citizen has access to a permanent house by the year 2022. It has two components: PMAY-Gramin (PMAY-G), focusing on rural areas, and PMAY-Urban (PMAY-U), focusing on urban areas.

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

Definition: PMAY-Gramin (previously known as Indira Awas Yojana) focuses on providing housing to the rural population, specifically the homeless and those living in dilapidated houses in rural areas. The aim is to ensure that every household in rural India has access to a pucca house with basic amenities by 2022.

Key Features:

Key Features/BenefitsDetails
Eligibility CriteriaBeneficiaries are identified based on data from the Socio-Economic Caste Census (SECC).
Financial AssistanceThe government provides financial support of ₹1.2 lakh for plain areas and ₹1.3 lakh for hilly, difficult, and northeastern areas for home construction.
Essential FacilitiesHouses must include basic facilities such as toilets, electricity (under Saubhagya Yojana), and clean cooking fuel (under Ujjwala Yojana).
Swachh Bharat AbhiyanEnsure cleanliness and hygiene in homes
Convergence with MGNREGAProvides labour support through MGNREGA for the construction of homes, ensuring employment for local workers.
Focus on Rural & UnderprivilegedAims to uplift economically weaker sections in rural areas, especially in difficult terrains.
Empowerment & Social WelfarePromotes social inclusion, and empowerment of the elderly, women, and underprivileged groups.
Support for Special AreasSpecial attention is given to hilly, difficult, and northeastern regions with additional benefits.

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

Definition: PMAY-Urban is designed to address the housing needs of the urban poor, focusing on individuals from economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). The objective is to provide affordable housing for all urban citizens, including those living in slums.

Key Features:

Key Features/BenefitsDetails
Interest SubsidyOffers interest subsidies of up to 6.5% under the Credit Linked Subsidy Scheme (CLSS) for home loans up to ₹6 lakh.
Target AreasFocuses on addressing housing shortages in urban areas, particularly in slum areas and for economically weaker sections.
Income CriteriaBeneficiaries must meet specific income criteria to qualify for the subsidies under the scheme.
In-Situ Slum RedevelopmentProvides redevelopment solutions for in-situ slums, ensuring better living conditions.
Credit Linked SubsidiesProvides subsidies on home loans for economically weaker sections and middle-income groups.
Affordable Housing in PartnershipPromotes affordable housing through public-private partnerships, ensuring access to affordable housing units.
Beneficiary-Led Individual House ConstructionOffers subsidies for individual house construction to beneficiaries who already own land but lack resources for construction.
Subsidy for EWS, LIG, MIG CategoriesEnsures that the Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group (MIG) categories are covered under the subsidy scheme.

What Are The Objectives Of PM Awas Yojana?

The PM Awas Yojna has several key objectives aimed at providing affordable housing to people in both rural and urban areas across India. The scheme focuses on improving the living conditions of economically weaker sections and promoting the development of housing infrastructure. Here is an expanded version of the objectives of the PMAY:

  • It is a social welfare scheme launched to provide shelter to the poor in rural areas across India.

  • The houses allotted under this scheme are given in the name of women usually or they are co-jointly owned by husband and wife.

  • MoHUA Mission addresses the urban housing shortage.

  • The beneficiaries include the Economically Weaker Section (EWS)/ Low Income Group (LIG) and Middle Income Group (MIG) categories, by ensuring pucca housing to all households.

Also read: Pradhan Mantri Awas Yojana -Gramin: Homes For The Homeless, Everything You Need To Know.

What Are The Benefits Of Pradhan Mantri Awas Yojana?

Pradhan Mantri Awas Yojana (PMAY) is a government scheme that helps people, especially those who cannot afford to buy or build their own homes. It offers many benefits to make it easier for poor and middle-income families to own a house. Let's understand these benefits in simple language:

1. Loans at Low Interest Rates

Under the PMAY scheme, people can get home loans at a lower interest rate than what banks usually offer. This means that if you take a loan to buy or build a house, you will have to pay less money back to the bank. The government provides a subsidy on the interest, which makes the loan cheaper for you. This is a big help because paying less interest means more savings.

2. Reduces the Burden of Interest Payments

Normally, when you borrow money from a bank, you have to pay a lot of extra money as interest over time. However, with PMAY, because of the subsidy, you don't have to worry about paying high interest. This reduces the burden on your pocket, making it easier to repay the loan.

3. Makes Buying a House Affordable

Many people in India, especially those living under the poverty line or with a low income, find it very hard to buy a house. PMAY is designed to make housing more affordable for everyone. With low-interest loans and financial assistance, buying or building your own house becomes possible, even for families who don’t earn a lot.

4. Financial Help to Build or Buy a House

For those who want to build or buy a house, the government provides financial help through this scheme. Whether you are buying your first home or building a new one, PMAY offers support by making it easier for you to arrange the money required for the house.

5. Covers Various Income Groups

The PMAY scheme is inclusive, meaning it is designed to help different groups of people. It has separate categories for the Economically Weaker Section (EWS), Low-Income Group (LIG), and Middle-Income Group (MIG). This ensures that the scheme is available for families with low or middle incomes, not just the poorest. It means a wide range of people can benefit from it.

6. Helps Reduce Slums

By offering affordable housing, PMAY aims to reduce the number of people living in slums. Many people live in slums because they cannot afford proper houses. PMAY helps them move into safe, permanent homes, which improves their living conditions and reduces the overcrowding in slum areas.

7. Improves Quality of Life

Living in a pucca (permanent) house with proper facilities like toilets, clean drinking water, and electricity improves the overall quality of life. It provides families with a safe and secure environment, protecting them from weather, diseases, and unsafe living conditions. Owning a house gives people a sense of security and stability, which is important for a better life.

8. Supports Economic Growth

When more people build or buy houses, it helps in growing the economy. It creates jobs in construction and related sectors, and people spend money on materials and services. This overall development contributes to a stronger economy by generating employment and improving infrastructure.

By helping people from all walks of life, especially those struggling financially, Pradhan Mantri Awas Yojana gives families a chance to own a home, providing safety, stability, and hope for a better future. If you are below the poverty line, this scheme could be your gateway to owning a home.

Tax Benefits Of The Pradhan Mantri Awas Yojana

From tax deduction on home loans to subsidies on home loans, here are several tax benefits of the PM Awas Yojana such as:

  • Interest deduction on home loans: Under PMAY-U, homebuyers are eligible for a 2 lakh deduction on interest payments of home loans under Section 24(b) of the Income Tax Act.

  • Principal repayment: People can claim up to a deduction of Rs 1.5 lakhs on the principal repayment of the home loan under Section 80C.

  • First-time homebuyers: With the help of the Credit-Linked Subsidy Scheme (CLSS) of PMAY-U, people buying homes for the first time can apply for additional tax benefits and related subsidies on the interest of the loan.

  • Affordable housing: For houses under affordable housing, buyers can claim additional tax benefits under Section 80 EEA which offers an additional deduction of 1.5 lakhs on interest on home loans.

Also read: House Construction Subsidies Introduced To Empower The Scheduled Castes In India.

What Is The Eligibility Criteria To Apply For Pradhan Mantri Awas Yojana?

The PM Awas Yojana eligibility is specifically designed to address the housing needs in urban areas of India. The scheme aims to provide affordable housing to individuals and families living in cities and towns, particularly targeting the Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG).

  • Must be an Indian citizen living in India.

  • A salaried employee or a self-employed professional between the age of 23 and 70 years.

  • Must have a CIBIL Score of 725 and higher to get a home loan.

  • EWS households with annual income up to 3 lakhs.

  • LIG households with annual income between 3 lakhs and 6 lakhs.

  • MIG-1 households with annual income between 6 lakhs and 12 lakhs.

  • MIG-2 households with annual income between 12 lakhs and 18 lakhs.

  • Must not own a pucca house in any part of the country.

  • The family must include a husband/wife and unmarried children.

  • Should not have availed of any housing-related schemes before.

Eligibility Criteria for Pradhan Mantri Awas Yojana - Gramin (PMAY-G)

To be eligible to apply for Pradhan Mantri Awas Yojana- Gramin, one must fulfil the following criteria.

  • Household without shelter

  • Manual Scavengers

  • Primitive Tribal Groups

  • Destitute/Insolvent/Living on alms

  • Legally released bonded labour

The allotment is done based on the calculation of scores within groups. The following parameters are given consideration, each with an equal weightage:

  • Households with no adult members aged between 16 to 59 years.

  • Female-headed households with no adult male members aged between 16 to 59.

  • Households with no literate adult above 25 years of age.

  • Households with any disabled member and no able-bodied adult member

  • Landless Households derive the major part of their income from manual casual labour

  • Households with higher deprivation scores will be ranked higher within the subgroups.

Which Households Are Excluded Under The PMAY G Scheme?

Certain households are excluded based on specific criteria to ensure the eligible can avail the benefits of this scheme the most. Here are the criteria for households that are excluded under the Pradhan Mantri Awas Yojana Gramin.

  • Households with pucca houses have pucca roofs, and those living in houses with more than two rooms.

  • Owning Motorised two/three/four wheeler/ fishing boat

  • Owning Mechanised three/four-wheeler agricultural equipment

  • Having a Kisan Credit Card with a credit limit of Rs.50,000 or above

  • Household with any member as a Government employee

  • Households with non-agricultural enterprises registered with the Government

  • Any member of the family earning more than Rs.10,000 per month.

  • Paying income tax

  • Paying professional tax

  • Own a refrigerator

  • Own a landline phone.

  • Own 2.5 acres or more of irrigated land with at least one irrigation equipment

  • 5 acres or more of irrigated land for two or more crop seasons

  • Owning at least 7.5 acres of land or more with at least one irrigation equipment.

Also read: Pradhan Mantri Garib Kalyan Anna Yojana (PM-GKAY): Transforming Food Security in India.

Documents Required For the Application Process Of Pradhan Mantri Awas Yojana

All applicants must make sure they have all the required documents while applying for Awas Yojana:

Documents Required To Apply For PMAY-U (Urban)

  • Aadhaar Card

  • Self-Certificate/Affidavit as Proof of Income

  • Identity and Residential Proof

  • Proof of Minority Community

  • Proof of Nationality

  • EWS Certificate / LIG Certificate / MIG Certificate

  • Salary Slips

  • IT Return Statements

  • Property Valuation Certificate

  • Bank Details and Account Statement

  • Proof that the applicant does not own a ‘pucca’ house

  • Proof that the applicant is constructing a home under the scheme

Salaried individuals need to submit the above-mentioned documents along with Form 16 (given by the employer), proof of employment, and property documents.

Documents Required To Apply For PMAY-G (Rural):

Here is a detailed table of the benefits and features included under the Pradhan Mantri Awas Yojana.

Key Features/BenefitsDetails
Aadhaar Card RequirementThe applicant must provide their Aadhaar number along with a self-attested copy of the Aadhaar card. If illiterate, a consent letter with a thumbprint is required.
MGNREGA Job CardApplicants must submit their Job Card, duly registered with MGNREGA, to confirm their eligibility.
Bank Account DetailsBeneficiaries need to provide bank account details, both originals and duplicates, for direct benefit transfers (DBT).
Swachh Bharat Mission (SBM) NumberThe SBM number is required to ensure that the household meets sanitation standards as part of the Swachh Bharat initiative.
Affidavit of OwnershipAn affidavit must be submitted, stating that the beneficiaries or their family members do not own a pucca house (a solid, permanent house).
Financial Support for House ConstructionFinancial assistance is provided for house construction, up to ₹1.2 lakh for plain areas and ₹1.3 lakh for hilly or difficult terrains.
Convergence with Other SchemesHouses constructed under the scheme must include essential facilities like toilets, electricity (under Saubhagya Yojana), and clean cooking fuel (under Ujjwala Yojana).
Labour Support under MGNREGABeneficiaries can avail of labour support through the MGNREGA scheme to help in house construction.
Swachh Bharat Abhiyan ComplianceAll homes constructed must comply with the goals of the Swachh Bharat Abhiyan, ensuring sanitation facilities are provided.

Application Process Of Pradhan Mantri Awas Yojana - Urban

The Pradhan Mantri Awas Yojana Urban seeks to provide affordable housing to the urban individuals. The application process for PMAY-U is simple and has both offline and online applications available. Let’s take a look at both.

Online Application Process:

  1. Visit the official PMAY-U website.

  2. Select the ‘Citizen Assessment’ option.

  3. Then click on ‘For Slum Dwellers’ or ‘Benefits under the other three components’.

  4. Enter your Aadhaar card details.

  5. Will be redirected to the online application form.

  6. Fill out the application form and upload the necessary documents.

  7. Click ‘Save’ and enter the Captcha code.

  8. The application is complete.

Offline Application Process:

If you want to apply for Pradhan Mantri Awas Yojana Urban offline, follow the PMAY offline registration process as follows.

  1. Visit the nearest Common Service Centre (CSC).

  2. Pay Rs. 25 to buy the application form.

  3. Fill out the form and attach the necessary documents.

  4. Submit the application form.

The process of applying for Pradhan Mantri Awas Yojana Gramin (PMAY-G) is designed to be simple and accessible, ensuring that eligible beneficiaries can easily apply to receive the benefits of the scheme. Here's a step-by-step breakdown of the application process:

  1. Fill in the details required in the personal details section (such as gender, mobile number, Aadhaar number, etc.) on the website.

  2. Upload the consent form required to use the Aadhaar number.

  3. Click on the search button to find the beneficiary name, PMAY ID, and priority.

  4. Click on ‘'Select to Register’'.

  5. The beneficiary details will be automatically generated and displayed.

  6. Add the beneficiary account details in the required fields, such as beneficiary name, bank account number, etc.

  7. If the beneficiary wants to avail of a loan, select ‘'Yes’' and enter the required loan amount.

  8. In the next section, enter the MGNREGA job card number and the Swachh Bharat Mission (SBM) number of the beneficiary.

Process To View Beneficiary List For PM Awas Yojana

If you wish to see if your name is included in the Pradhan Mantri Awas Yojana Gramin (PMAY-G) beneficiary list, you can follow these simple steps. The process is designed to make it easy for applicants to check their status online.

Rural/Gramin:

  1. Visit the official website of PM Awas Yojana Gramin.

  2. Here, find and click on the option of ‘Aawassoft’ in the Menu section above.

  3. A drop-down menu will open in front of you.

  4. In this menu, click on the Report button.

  5. The report page will open in front of you.

  6. Go to the H section.

  7. In the H section, you will see the option of Beneficiary Details For Verification, click on it.

  8. A page of the PM Awas MIS report will open in front of you.

  9. On this page, enter your state name, district name, block name, and captcha.

  10. After this, click on the submit button.

  11. Now the beneficiary list will appear in front of you.

The beneficiary list of PMAY-G is updated regularly. Whenever new beneficiaries are added or someone's name is removed for any reason, this change is reflected in the list.

Through this updated list, beneficiaries can track their application status and other important information, ensuring effective implementation of the scheme.

PMAY-Gramin Beneficiary List

Gramin refers to the rural version of the Pradhan Mantri Awas Yojana, officially known as Pradhan Mantri Awas Yojana – Gramin (PMAY-G). The word Gramin means "rural" in Hindi, and this scheme specifically targets providing affordable housing solutions to the economically weaker sections of rural India.

The Pradhan Mantri Awas Yojana-Gramin (PMAYG) List of beneficiaries can be viewed here.

PMAY-Urban Beneficiary List

Urban refers to the urban-focused version of the Pradhan Mantri Awas Yojana, officially known as Pradhan Mantri Awas Yojana – Urban (PMAY-U). The term Urban refers to cities or towns, and this scheme aims to provide affordable housing to the urban poor, including slum dwellers, economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG) in India.

PMAY-U was launched in 2015 to address the growing demand for housing in urban areas and to ensure every household in cities has access to pucca housing with basic amenities. The scheme promotes homeownership among the urban population by providing financial assistance and subsidised interest rates on home loans.

You can view the beneficiary list or search for a beneficiary by entering your aadhar number on this portal of PMAYU.

How To Check The Application Status Of Pradhan Mantri Awas Yojana - Urban?

It is easy to track the application status of Pradhan Mantri Awas Yojana via their online portal. One can check the application status of PMAY-U by following the below-mentioned steps:

  1. Visit the official PMAY-U portal.

  2. Sign in to your account and click on the ‘track your assessment status' option.

  3. Fill in your assessment ID or your details to check the status of your application.

How To Know If Your Village Is Eligible For Pradhan Mantri Awas Yojana Gramin?

You can check if your village is falling under the PM Awas scheme by following the steps given below:

  • Visit Their Official Website.

  • Click on the reports tab and then click on the villages covered option.

  • Here you can fill in the name and details of your village to see if your village has been covered under the scheme.

Stories Of The Beneficiaries Of The Pradhan Mantri Awas Yojana

The Pradhan Mantri Awas Yojana (PMAY) has transformed the lives of many across India by providing affordable housing to low-income and vulnerable sections of society. This initiative aims to make homeownership accessible for individuals who previously could not afford a permanent residence. Below are some inspiring stories of beneficiaries who have benefited from the scheme, demonstrating how it has brought stability, empowerment, and hope into their lives.

Migrant Labourer Family in Uttar Pradesh

Beneficiary: Ramesh Yadav, a migrant worker from Gorakhpur, Uttar Pradesh.

Story: Ramesh worked as a daily wage labourer, frequently moving between cities for work. His family lived in a small rented space, which strained his finances. Under the Credit Linked Subsidy Scheme (CLSS) of PMAY-U, Ramesh availed a home loan with an interest subsidy, making it affordable for him to purchase a house in his hometown. He could now secure a permanent home for his family and no longer had to worry about rent or relocation. This gave his children the stability needed for education and personal growth.

Empowering Women Homeowners in Maharashtra

Beneficiary: Kavita Patil, a widow from Pune, Maharashtra.

Story: After losing her husband, Kavita struggled to provide for her two children while working as a tailor. The high cost of living and rent in Pune made it difficult for her to save. Through PMAY-U’s Women's Ownership clause, Kavita was able to register a house in her name. She secured a subsidised home loan, which enabled her to buy a house in a PMAY-U-approved affordable housing scheme. This not only provided financial security but also empowered her as a single mother and homeowner.

Conclusion

Pradhan Mantri Awas Yojana is a good initiative by the government as it ensures everyone can afford land and property. It also takes away the burden from people as they won’t have to pay the entire interest rates on loans.

To know more about such government schemes and information, stay connected to Jaagruk Bharat. You can also share your thoughts or ask questions with us by reaching our community page.

Frequently Asked Questions

0

comment-svg

0

eye svg

1k

share-svg

0

comment-svg

0

1k Views

0

profile
Add a comment here...
profile

No comments available

Was this helpful?

insta_logo

For more content like this

testimonial_image

Harsha Vardhanan

harsha_iyar

Thank you for posting valuable information ✨

23 Nov 2021

Verified User

testimonial_image

Manjunath Nayak

nayak

Good portal for common man, very useful

23 Nov 2021

Verified User

testimonial_image

Suraj Patil

suraj

Jaagruk Bharat does a fantastic job of breaking down complex policies into easy-to-read articles and videos, ensuring accessibility for all citizens.

23 Nov 2021

Verified User

testimonial_image

Sankesh Hegde

sankesh

A very helpful website that aggregates and simplifies government guidelines, providing clear information in various languages for better public understanding.

23 Nov 2021

Verified User

testimonial_image

ATHARV HANDE

@atharvhande744

Thank you very much for information ❤

23 Nov 2021

Verified User

More from the Author

Komal Bajpai

Editor

Bio

Komal Bajpai is a seasoned content writer with 3 years of expertise in political journalism, specializing in crafting compelling press releases for government policies and schemes. Currently, she lends her talents as a Junior Content Writer at Jaagruk Bharat, where she continues to inform and engage the public with her insightful writing. She is a Certified Journalist with a graduate degree in Journalism and Mass Communication from the University of Lucknow and is currently studying Business Administration. Komal is a skilled writer who uses her talent to empower the citizens of India by bridging the gap between Indian society and GOI schemes, laws, policies, and yojanas.... Read more

You might also like

Related articles

Latest articles

Connect with Expert Now

Jaagruk Bharat Services

Jaagruk Bharat Logo
social_media
social_media
social_media
social_media
social_media

Our Company

Home

About

T&C

Privacy Policy

Eula

Disclaimer Policy

Code of Ethics

Contact Us

Cancellation & Refund Policy

Categories

Women

Insurance

Finance

Tax

Travel

Transport & Infrastructure

Food

Entertainment

Communication

Government ID Cards

E-commerce

Traffic guidelines

Miscellaneous

Housing and Sanitation

Sports

Startup

Environment and Safety

Education

Agriculture

Social cause

Jaagruk Bharat with its team work tirelessly to bring all government schemes, Sarkari Yojanas, policies and guidelines to you in a simplified and structured format.
Our team is at the forefront of gathering, verifying and breaking all central government and state government regulations uncomplicatedly.

Our mission and vision are to make the common citizen of India aware of all government-laid-out rules and policies in a single place. Thus, we Jagruk Bharat have created an all-inclusive portal for 1.5 billion Indian citizens to understand, utilize and avail benefits of govt schemes and policies and by bringing them under one roof.

Jaagruk Bharat (जागरूक भारत) is a one stop centralised destination where you can effortlessly find, understand, and apply for various government schemes. We are committed to ensuring transparency and empowering Indian citizens. Our goal is to keep India Jagruk about government policies, the latest news, updates, and opportunities.

जागरूक भारत अपनी टीम के साथ मिलकर लगातार काम करता है ताकि सभी सरकारी योजनाओं, नीतियों और दिशानिर्देशों को सरल और व्यवस्थित तरीके से आपके सामने पेश किया जा सके। हमारी टीम केंद्रीय और राज्य सरकार के सभी नियमों और विनियमों को आसानी से इकट्ठा करने, सत्यापित करने और प्रस्तुत करने में सबसे आगे है।

हमारा मिशन और दृष्टिकोण यह है कि भारत के हर नागरिक को सभी सरकारी नियमों और नीतियों से एक ही स्थान पर अवगत कराया जाए। इसलिए, हमने जागरूक भारत के रूप में 1.5 अरब भारतीय नागरिकों के लिए एक समग्र पोर्टल तैयार किया है, जहां वे सरकारी योजनाओं और नीतियों को समझ सकें, उनका उपयोग कर सकें और लाभ उठा सकें, सभी जानकारी एक ही छत के नीचे उपलब्ध है।

जागरूक भारत (Jagruk Bharat) एक केंद्रीकृत और सुव्यवस्थित गंतव्य है, जहां आप विभिन्न सरकारी योजनाओं को आसानी से खोज, समझ, और आवेदन कर सकते हैं, जिससे पारदर्शिता सुनिश्चित होती है और भारतीय नागरिकों को सशक्त किया जाता है।
हमारा उद्देश्य है कि भारत को सरकारी नीतियों, नवीनतम समाचारों, अपडेट और अवसरों के बारे में जागरूक बनाया जाए।जागरूक भारत (Jagruk Bharat) की मदद से आपकी कठिन से कठिन समस्या का आसान समाधान होगा...

अपने हक़ को अपनाओ ! जागरूक भारत पर आओ

All Copyrights are reserved by Jaagruk Bharat