PM Awas Yojana 2025 — Urban & Gramin Housing Subsidy Eligibility

Overview

• ✦PMAY-U 2.0 launched in September 2024 with a target of 1 crore urban houses over 5 years.
• ✦Four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), Interest Subsidy Scheme (ISS).
• ✦PMAY-Gramin provides ₹1.20 lakh (plain areas) / ₹1.30 lakh (hilly/difficult areas) per house.

Eligibility Criteria

• ✦Family should not own a pucca house anywhere in India
• ✦Annual family income: EWS up to ₹3 lakh, LIG ₹3–6 lakh, MIG ₹6–9 lakh (PMAY-U 2.0)
• ✦Family includes husband, wife and unmarried children
• ✦For PMAY-G: should appear in SECC 2011 deprivation list
• ✦Should not have availed any central housing scheme earlier

Required Documents

• ✦Aadhaar Card of all family members
• ✦Income certificate
• ✦Caste certificate (if SC/ST/OBC)
• ✦Bank account details (Aadhaar-linked)
• ✦Land documents (if BLC vertical)
• ✦Affidavit of not owning a pucca house
• ✦Mobile number and passport size photograph

How to Apply

1. 1Visit pmaymis.gov.in (Urban) or pmayg.nic.in (Gramin)
2. 2Click on 'Citizen Assessment' → choose applicable category
3. 3Enter Aadhaar, verify and fill personal, income and bank details
4. 4Submit and note down the application reference number
5. 5Application is verified by ULB / Gram Panchayat
6. 6Subsidy or assistance credited to bank account on approval

Important Dates

PMAY-U 2.0 open till 2029. Applications accepted continuously through ULBs and CSCs.

Frequently Asked Questions