PM Awas Yojana: Eligibility, 2026 Beneficiary List, and How to Apply
Pradhan Mantri Awas Yojana (PMAY) is India's flagship housing scheme, operating in two distinct streams, PMAY-Urban (PMAY-U) for city dwellers and PMAY-Gramin (PMAY-G) for rural households, providing subsidised or free housing to economically weaker sections, low-income groups, and rural BPL families. Under PMAY-U 2.0 (launched 2024), interest subsidies of up to ₹1.80 lakh are available for home loans. Under PMAY-G, rural BPL families receive ₹1.20–₹1.30 lakh as construction assistance. This page covers both programmes, the 2026 beneficiary list, eligibility, how to apply, and the home loan subsidy calculation.
What is PM Awas Yojana?
Pradhan Mantri Awas Yojana was launched in June 2015 with the mission of providing housing for all by 2022, a target later extended. The scheme operates under two separate programmes with distinct eligibility, benefit structures, and implementing ministries.
PMAY-Urban (PMAY-U): Administered by the Ministry of Housing and Urban Affairs. Originally launched in 2015 with a Credit Linked Subsidy Scheme (CLSS) component for EWS, LIG, and MIG categories. PMAY-U 2.0 was announced in Budget 2024–25 as a fresh phase targeting 1 crore urban families, with interest subsidy of up to ₹1.80 lakh for home loans up to ₹9 lakh (EWS/LIG) and modified subsidy for higher income slabs.
PMAY-Gramin (PMAY-G): Administered by the Ministry of Rural Development. Provides financial assistance of ₹1.20 lakh (plains) to ₹1.30 lakh (hilly/difficult areas) for construction of a pucca house to rural BPL households identified from the SECC 2011 database and the Awaas Plus survey. PMAY-G has cumulatively sanctioned over 3.5 crore houses as of 2025.
PMAY-Urban 2.0 vs PMAY-Gramin, Quick Comparison
| Parameter | PMAY-Urban 2.0 | PMAY-Gramin |
|---|---|---|
| For | Urban families, EWS, LIG, MIG | Rural BPL / SECC-listed / Awaas Plus households |
| Ministry | Housing and Urban Affairs | Rural Development |
| Benefit type | Interest subsidy on home loan (up to ₹1.80 lakh) | Direct construction assistance (₹1.20–₹1.30 lakh) |
| Application portal | pmaymis.gov.in | pmayg.nic.in |
| Income limit | Up to ₹9 lakh (for interest subsidy under EWS/LIG) | No income ceiling, SECC/Awaas Plus database based |
| House ownership | Must not own a pucca house anywhere in India | Must not own a pucca house in any area |
| Priority | Women as owner/co-owner mandatory | Priority to women as owner/co-owner |
Key Benefits, PMAY-Urban 2.0
| Category | Income Limit | Interest Subsidy | Max Loan for Subsidy | Subsidy Amount (Approx.) |
|---|---|---|---|---|
| EWS (Economically Weaker Section) | Up to ₹3 lakh/year | 6.5% | ₹6 lakh | Up to ₹1,67,000 |
| LIG (Low Income Group) | ₹3–6 lakh/year | 6.5% | ₹6 lakh | Up to ₹1,67,000 |
| New PMAY-U 2.0 interest subvention | Family income ≤ ₹9 lakh | Up to 4% | ₹9 lakh | Up to ₹1,80,000 (approximate; final guidelines subject to revision) |
PMAY-U 2.0 detailed guidelines are under finalisation. Verify current subsidy rates at pmaymis.gov.in before taking a home loan.
Key Benefits, PMAY-Gramin
| Parameter | Plains States | Hilly / NE / Difficult Areas |
|---|---|---|
| Construction assistance | ₹1,20,000 | ₹1,30,000 |
| Payment mode | 3–4 tranches linked to construction progress | Same |
| Additional support | Toilet construction under SBM (₹12,000); MGNREGS wage support (90–95 days unskilled labour) | Same |
| Loan linkage | PMG housing loan from banks available for top-up | Same |
Eligibility Criteria, PMAY-Urban 2.0
| Criterion | Requirement |
|---|---|
| Residence | Applicant must be a resident of an urban area (statutory town / municipal area) |
| Pucca house | Must not own a pucca house anywhere in India, self or any family member |
| Previous PMAY benefit | Must not have availed housing benefit under any central government housing scheme |
| Income | EWS: up to ₹3 lakh/year; LIG: ₹3–6 lakh/year; MIG: up to ₹18 lakh/year (MIG subsidy subject to PMAY-U 2.0 guidelines) |
| Women ownership | EWS/LIG: house must be in the name of the female head of the family or jointly owned |
| Aadhaar | Mandatory for all adult family members |
Eligibility Criteria, PMAY-Gramin
| Criterion | Requirement |
|---|---|
| Database | Beneficiaries identified from SECC 2011 or Awaas Plus survey, no individual application for general selection |
| Houseless or kuchha house | Must be houseless or living in 0–1 room kuchha house |
| Priority categories | SC/ST, manual scavengers, women-headed households, minorities, persons with disabilities, freed bonded labourers |
| Must not own | Pucca house anywhere in India |
| MGNREGS linkage | Must have MGNREGS job card for wage support component |
Eligibility is subject to revision. Verify at pmaymis.gov.in (Urban) or pmayg.nic.in (Gramin).
Documents Required
| Document | Purpose |
|---|---|
| Aadhaar card (all adult family members) | Identity and KYC, mandatory for PMAY |
| Income certificate / ITR / salary slip | Income category determination (Urban) |
| Address proof | Confirms urban/rural residence |
| Bank passbook (Aadhaar-linked) | DBT credit for Gramin component |
| Property / land ownership documents | Confirms no existing pucca house |
| BPL certificate / SECC data confirmation | For Gramin eligibility verification |
| Caste certificate | For SC/ST priority in Gramin |
| Marriage certificate | For joint ownership requirement (Urban EWS/LIG) |
| Photograph of existing house | For Gramin kuchha house verification |
How to Apply for PMAY-Urban
- Visit pmaymis.gov.in → Citizen Assessment → Apply Online
- Select your benefit component: In-Situ Slum Redevelopment, CLSS, Affordable Housing in Partnership, or Beneficiary-led Construction
- Enter your Aadhaar number and complete OTP verification
- Fill in family details, income, bank account, and property details
- Submit, you will receive an application ID
- Application is verified by the Urban Local Body (ULB)
- For CLSS/interest subsidy: visit your bank for home loan; bank applies for CLSS subsidy on your behalf through the Central Nodal Agency (NHB or HUDCO)
PaisaOne does not process PMAY applications. Apply at pmaymis.gov.in or through your bank for the CLSS component.
How to Apply for PMAY-Gramin
PMAY-G beneficiaries are selected from the SECC 2011 / Awaas Plus database; there is no open application for most households. If you believe you are eligible but not listed:
- Visit your Gram Panchayat and request inclusion in the Awaas Plus survey
- Contact your Block Development Officer (BDO) for grievance-based inclusion
- Once included, apply through the Awaas App or at the gram panchayat for construction assistance
- Receive instalments linked to construction stages: foundation, lintel, roof completion
PaisaOne does not process PMAY-G applications. Apply through your gram panchayat or at pmayg.nic.in.
How to Check PM Awas Yojana Beneficiary List 2026
PMAY-Urban Beneficiary List
- Visit pmaymis.gov.in → Search Beneficiary
- Search by name, father's name, or application ID
- State-wise and city-wise beneficiary lists are updated regularly
PMAY-Gramin Beneficiary List
- Visit pmayg.nic.in → Stakeholders → IAY/PMAYG Beneficiary
- Select state → district → block → village
- View the complete village-level beneficiary list with names, amount sanctioned, and construction status
PMAY-U Helpline: 1800-11-6163 (toll-free) | PMAY-G Helpline: 1800-11-6446 (toll-free)
PMAY subsidy reduces your interest burden, but the remaining home loan still needs the best possible rate. Compare home loan options from 30+ banks and NBFCs on PaisaOne to maximise your PMAY benefit and minimise your EMI.
PMAY Interest Subsidy, Calculation Example
PMAY-U (EWS/LIG) CLSS, Interest Subsidy Calculation:
| Parameter | Value |
|---|---|
| Home loan amount | ₹20,00,000 |
| Loan eligible for subsidy | First ₹6,00,000 |
| Subsidy rate on eligible amount | 6.5% p.a. for 20 years |
| Subsidy (NPV at 9% discount rate) | Approximately ₹1,67,280 |
| Subsidy credited to loan account | Upfront, reducing EMI from month 1 |
| Effective loan after subsidy | ₹18,32,720 (approximately) |
The subsidy is credited as a lump sum to the loan account by the Central Nodal Agency, reducing the outstanding principal and consequently the EMI. PMAY-U 2.0 subsidy details are subject to finalisation, verify at pmaymis.gov.in.
State-Wise Implementation
| State | PMAY-U Nodal Agency | PMAY-G Nodal Agency | State-Specific Notes |
|---|---|---|---|
| Uttar Pradesh | UP Housing and Development Board | UP Rural Development Dept | Highest PMAY-G sanctioned houses; state adds Mukhyamantri Awas Yojana top-up for non-PMAY BPL families |
| Maharashtra | MHADA / ULBs | Maharashtra Rural Development Dept | MHADA schemes run parallel; convergence for urban slum households |
| Madhya Pradesh | MP Housing Board / ULBs | MP Rural Development Dept | State adds Mukhyamantri Awas Yojana (rural) for non-SECC households |
| Rajasthan | Rajasthan Housing Board / ULBs | Rural Development & Panchayati Raj Dept | Rajasthan Awas Vikas and Finance Corporation assists urban component |
| West Bengal | WBHIDCO / ULBs | Panchayat & Rural Development Dept | State runs Banglar Bari scheme for non-PMAY households |
| Bihar | Bihar Urban Infrastructure Development Corporation | Rural Development Dept | High PMAY-G completion rate; state adds construction worker welfare support |
| Karnataka | Karnataka Housing Board / BBMP | Rural Development & Panchayati Raj Dept | Ashraya scheme (state) for non-PMAY urban households |
| Tamil Nadu | TNHB / ULBs | Rural Development and Panchayat Raj Dept | CMHC (Chief Minister's Housing Scheme) supplements PMAY for urban poor |
| Gujarat | GUDM / ULBs | Rural Development Dept | Affordable rental housing for migrant workers alongside PMAY |
| Andhra Pradesh | AP Housing Corporation / ULBs | AP Rural Development | YSR Navaratnalu-Pedalandariki Illu (state scheme) adds significant top-up |
What is PM Awas Yojana and who is it for? Pradhan Mantri Awas Yojana (PMAY) is India's central government housing scheme launched in June 2015 with the objective of providing housing for all. It operates in two streams: PMAY-Urban (PMAY-U), administered by the Ministry of Housing and Urban Affairs for EWS, LIG, and MIG urban families, and PMAY-Gramin (PMAY-G), administered by the Ministry of Rural Development, providing ₹1.20–₹1.30 lakh to rural BPL households for constructing a pucca house.
What are the main benefits of PM Awas Yojana? PMAY-Urban 2.0 offers interest subsidy of up to ₹1.80 lakh (approximately) for home loans, credited upfront to reduce the outstanding principal and EMI. PMAY-Gramin provides ₹1.20 lakh (plains) to ₹1.30 lakh (hilly areas) in construction installments, supplemented by ₹12,000 for toilet construction under Swachh Bharat Mission and 90–95 days of MGNREGS wage support. Women are prioritised as owners or co-owners under both programmes.
Who is eligible for PM Awas Yojana? For PMAY-Urban: families who do not own a pucca house anywhere in India, within the EWS/LIG/MIG income limits, residing in a statutory urban area. For PMAY-Gramin: rural households listed in the SECC 2011 database or Awaas Plus survey who are houseless or living in a kuchha house with 0–1 rooms. Priority is given to SC/ST, persons with disabilities, women-headed households, and freed bonded labourers under PMAY-G.
How do I apply for PM Awas Yojana? For PMAY-Urban, apply at pmaymis.gov.in using Aadhaar-based OTP verification. For the interest subsidy component, approach your home loan bank, the bank applies for CLSS subsidy on your behalf. For PMAY-Gramin, beneficiaries are selected from the SECC/Awaas Plus database, if you believe you qualify but are not listed, approach your gram panchayat or Block Development Officer. Check the beneficiary list at pmayg.nic.in.
