Pradhan Mantri Awas Yojana (PMAY): Eligibility, Online Apply, Beneficiary List

Pradhan Mantri Awas Yojana (PMAY) is a flagship housing scheme launched by the Government of India in 2015. The aim of the scheme is to provide affordable housing to the urban and rural poor of the country by the year 2022. The scheme has been hailed as one of the most ambitious projects in India’s history and is seen as a key initiative toward fulfilling the goal of Housing for All.

PMAY has not only provided affordable housing to the poor but has also helped in the overall development of the country. Access to safe and affordable housing is a basic human right, and PMAY is a significant step towards ensuring that every citizen of the country has a roof over their head.

The scheme has been successful in providing affordable housing to the poor. As of March 2021, over 1.12 crore houses have been sanctioned under the scheme, and over 80 lakh houses have been completed. The scheme has also created employment opportunities in the construction sector and has helped boost the economy.

Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana Details:

Organization:Ministry of Housing and Urban Affairs
Scheme Name:Pradhan Mantri Awas Yojana
Official Website:
Address:Pradhan Mantri Awas Yojana (Urban) Ministry of Housing and Urban Affairs Nirman Bhawan, New Delhi-110011
Contact Phone Number:011-23060484, 23063620, 23063567, and 23061827
Social Profile:Facebook & Twitter

Objective Of The Scheme:

The scheme has been successful in achieving its objectives and has helped improve the standard of living of the poor. The scheme has also created employment opportunities and has contributed to the overall development of the country. The scheme is a significant step towards fulfilling the goal of Housing for All by the year 2022.

PMAY Schemes 2023:


PMAY-U (Pradhan Mantri Awas Yojana Urban) aims to provide affordable housing to the urban poor. PMAY-U is targeted toward people who belong to the economically weaker section (EWS), low-income group (LIG), and middle-income group (MIG) categories. The scheme provides subsidies ranging from 30% to 90% on home loan interest rates for eligible beneficiaries. The amount of subsidy varies based on the income category of the beneficiary.


PMAY-G (Pradhan Mantri Awas Yojana Gramin) aims to provide housing to the rural poor. Under PMAY-G, the government provides financial assistance to eligible beneficiaries for the construction of their homes. The scheme aims to provide financial assistance to families living in kutcha houses or without any dwelling units.

Pradhan Mantri Housing Scheme

Pradhan Mantri Awas Yojana Key Features:

  • A beneficiary may be eligible for a subsidy of up to 6.5% on housing loans with terms of up to 30 years.
    The amount of the subsidy varies depending on the income group.
  • Homes built under this MP yojana will exclusively make use of cutting-edge technology and environmentally friendly and sustainable materials.
  • Priority will be given to seniors and those with disabilities when renting ground-floor spaces.
  • The PM yojana will make it easier for candidates to find housing in any of the 4,041 statutory municipalities.

PMAY Housing Scheme 2023:

The very first thing that applicants need to understand is if they are eligible for the subsidy or not.

Category:Income P.A:Subsidy:
EWS (Economically Weaker Section)Not more than Rs.3 Lakh6.5%
LIG (Low Income Group)Rs.3 Lakh to Rs.6 Lakh6.5%
MIG I (Middle Income Group I)Rs.6 Lakh to Rs.12 Lakh4%
MIG II (Middle Income Group II)Rs.12 Lakh to Rs.18 Lakh3%

PMAY Eligibility Criteria:

  • PMAY is only available for SC and ST categories for a new property house.
  • Non-SC, ST, and minorities are under the BPL category.
  • The surviving family members and widows of paramilitary personnel, former service members, and those under a retirement scheme.
  • A family that qualifies for benefits must include a husband, wife, and unmarried sons and/or daughters.
  • No member of the beneficiary family may own a pucca house in India in his or her own name or in the name of another family member.
  • You must not be receiving any other central government support for the purchase or construction of a home.
  • You must submit a self-declaration of your total family income and the relevant property documents.
  • It is required to link your Aadhar card to all loan accounts under the Pradhan Mantri Awas Yojana.
  • No matter their marital status, an adult earning member might be classified as a separate household.
  • Other minorities like transgender, widows, and those who belong to the lower-income group.

PMAY Scheme

PMAY 2022-23 Beneficiary:

Using a demand-driven strategy, PMAY-U bases its determination of the housing shortage on the demand assessment made by the States and UT. Every home built, acquired, or bought as part of the Mission has a kitchen, a water supply, electricity, and a toilet. In contrast to prior housing building schemes, PMAY offers beneficiaries a range of options based on their eligibility and preferences.

More than 1.22 crore dwellings have been approved for PMAY-U as of today, of which more than one crore have been grounded for construction and more than 60 lahks have already been given to beneficiaries.

The following four verticals are used to carry out the Scheme:

PM Awas Yojana

How to Apply for PMAY Scheme Online?

  • Visit the official website belonging to PMAY-U or PMAY-G.
  • Tap on the ‘Citizen Assessment’.
  • Enter your Aadhaar card number.
  • After that fill out the application form online with all other necessary details.
  • Once you fill out the form tap on the ‘save’ option and will get an application number.
  • After that download the application form.
  • Take a printout and submit the form along with the necessary documents at the nearest CSC (Common Service Centres) center.
  • Applicants can also submit the application offline by visiting the authorized bank and applying for the PMAY scheme.

Necessary Documents:

  • ID Proof (Aadhaar, PAN, DL, Voter ID Card, etc.)
  • Address Proof (Aadhaar, Passport, Bank Account, etc.)
  • Income Proof Document
  • Property Document

PM Awas Yojana

How to Check Your Name in the PMAY 2023 Beneficiary List?

When you submit an application for the Pradhan Mantri Awas Yojana, you will be given an application reference number that you can use to see if your name is on the list for 2022-23. The names of those whose applications have been approved are listed on this list.

By following these simple instructions, those who qualify for the yojana can see if their name is on the Pradhan Mantri Awas Yojana list:

  • Visit the PMAY official website.
  • Tap on the ‘Search Beneficiary’.
  • Enter the Aadhaar number.
  • Then tap on the Show button.

PM Housing Scheme FAQ:

Q: Who is eligible for the PM Awas Yojana?

A: EWS (Economically Weaker Section), LIG (Low Income Group), and MIG II (Middle Income Group II).

Q: What is the tenure for PM Awas Yojana?

A: 20 years maximum.

Q: What is a PM Awas Yojana subsidy?

A: 6.5% for EWS, 4% for LIG, and 3% for MIG

Q: How do I apply for PM Awas Yojana?

A: Applicants can apply for the PM Awas Yojana online at the Ministry of Housing and Urban Affairs official website or you can visit the nearest CSC for offline application.

Q: How do I Check my name in the PMAY beneficiary list?

A: You can easily check your name online by following the steps given above in the article.

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