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पीएम आवास योजना · Welfare

PM Awas Yojana

Housing subsidy for urban and rural poor.

Managed by: Ministry of Housing & Urban Affairs / Rural Development

Official Website Check Eligibility

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Ask anything about PM Awas Yojana — eligibility, documents, fees, timelines, official process.

Eligibility

  • Family without a pucca house anywhere in India
  • Annual income within EWS (≤₹3L) / LIG (≤₹6L) / MIG limits
  • Woman ownership preferred

Required Documents

  • Aadhaar of all members
  • Income certificate
  • Bank details
  • Land documents (for rural)

Step-by-step Application Guide

  1. 1

    Choose scheme

    PMAY-U (urban) via pmaymis.gov.in or PMAY-G (rural) via pmayg.nic.in.

  2. 2

    Fill application

    Enter Aadhaar, family details, income and land info.

  3. 3

    Submit at ULB/Panchayat

    Urban Local Body or Gram Panchayat verifies application.

  4. 4

    Approval & installments

    Central assistance released in tranches to bank account.

  5. 5

    Construction

    Complete construction with geo-tagged progress photos.

Important Notes

  • Interest subsidy on home loan under CLSS up to ₹2.67 lakh (past scheme; check current status).
  • Owning a pucca house anywhere in India disqualifies the family.

Frequently Asked Questions

How much financial help?

Rural: ₹1.20 lakh (plain), ₹1.30 lakh (hilly). Urban: varies by vertical up to ₹2.5 lakh subsidy.

Can I apply if I own land?

Yes for PMAY-G if you have land but no pucca house.