Pradhan Mantri Awas Yojana Gramin (PMAY-G) 2024

On June 25, 2015, the Ministry of Housing and Gramin Affairs established the Pradhan Mantri Awas Yojana Gramin (PMAY-Gramin). The plan intends to offer pucca homes to all qualified Gramin households by 2022, addressing the Gramin housing shortage among the EWS/LIG and MIG groups, which include those living in slums. The Union Cabinet has resolved to extend PMAY(Gramin) until December 31, 2024.

Pradhan Mantri Awas Yojana Gramin Eligibility (PMAY-G): Who Can Apply?

To be eligible for PMAY-G, families must fall into one of the specified EWS categories as defined by the government. This is typically determined using annual household income and social data. Priority is given to households that do not have a home, live in damaged buildings, or are members of Scheduled Castes (SCs), Scheduled Tribes (STs), and minority communities.

Pradhan Mantri Awas Yojana online apply: A Simple Process

The PMAY-G application method is intended to be simple. Here’s what you should know.

  1. Applications can be filed online through the official PMAY-G website or at village-based Common Service Centers (CSCs). CSCs assist with online applications, making the process simpler for those unfamiliar with digital platforms.
  2. The application usually requires basic documents such as address proof, income certificates, caste certificates (if applicable), and Aadhaar cards.

Pradhan Mantri Awas Yojana Gramin Those who benefit (PMAY-Gramin)

The beneficiaries of the PMAY scheme are mentioned as follows:

BeneficiaryAnnual Income
Middle Income Group I (MIG I)Rs.6 lakh to Rs.12 lakh
Middle Income Group I (MIG IIRs.12 lakh to Rs.18 lakh
Lower Income Group (LIG)Rs.3 lakh to Rs.6 lakh
Economically Weaker Section (EWS)Up to Rs.3 lakh

In addition, people from the SC, ST, and OBC categories, as well as women from EWS and LIG income groups, will be eligible for the PMAY initiative.

Identification and Selection of Participants Under Gramin

The Pradhan Mantri Awas Yojana (PMAY-Gramin) focuses primarily on the housing requirements of the Gramin poor. Aside from that, the project addresses the housing needs of slum people who live in small areas of slums with inadequate infrastructure, sanitation, and drinking water.

PMAY-U primarily benefits middle-income groups (MIGs), low-income groups (LIGs), and the economically weaker sections (EWS).

While beneficiaries in the EWS category are entitled to full assistance under the plan, beneficiaries in the LIG and LIG categories are only eligible for the Credit Linked Subsidy plan (CLSS) through PMAY.

To be recognized as a LIG or EWS recipient under the Scheme, the applicant must submit an affidavit as income evidence to the authority.

Key Highlights of the PMAY Scheme

Eligible Housing Loan Amountfor Interest SubsidyUp to Rs.6 lakhUp to Rs.6 lakh
Maximum Loan Tenure20 years20 years
Eligible Housing Loan Amount for Interest Subsidy9.00%9.00%
Dwelling Unit Carpet Area(sq.m.)Up to 30 sq.m.Up to 60 sq.m.
Duration of Scheme17 June 2015 to 31 December 202417 June 2015 to 31 December 2024
Applicability of No Pucca HouseNot for upgradation or renovation
Woman Ownership/Co-ownershipNot required for an existing property. Compulsory for a new acquisition.
Discounted Rate for Calculation of Net Present Value of InterestSubsidyRs.3,000Rs.3,000
Quality of Flat/HouseConstructionBIS Codes, National Building Code, and according to the NDMA Guidelines adopted
Approvals for the BuildingDesignMandatoryMandatory
Basic Civic Infrastructure (water, electricity, sanitation, sewerage, road etc.)MandatoryMandatory
Maximum Interest SubsidyAmountRs.2,67,280Rs.2,67,280

The following factors are needed for PMAY

ParticularsMIG IMIG II
Lump Sum Amount Paid for for Sanctioned Housing LoanApplication Instead of Processing FeeUp to Rs.9 lakhUp to Rs.12 lakh
Maximum Loan Tenure20 years20 years
Dwelling Unit Carpet Area(sq.m.)160 sq.m.200 sq.m
Maximum Interest Subsidy AmountRs.2,35,068Rs.2,30,156
Basic Civic Infrastructure (water, road, sanitation, sewerage, electricity etc.)Rs.2,000Rs.2,000
Basic Civic Infrastructure (water, road, sanitation, sewerage,electricity etc.)9.00%9.00%
Duration of Scheme1 January 2017 to 31 December 20241 January 2017 to 31 December 2024
Woman Ownership/Co-ownershipNot compulsoryNot compulsory
Applicability of No Pucca HouseYesYes
Approvals for the BuildingDesignMandatoryMandatory
Quality of House/FlatConstructionBIS Codes, National Building Code, and according to the NDMA Guidelines adopted
Basic Civic Infrastructure (water, road, sanitation, sewerage, electricity etc.)MandatoryMandatory
Income Proof to Claim SubsidySelf-DeclarationSelf-Declaration
Identity ProofAadhaar Card NumberAadhaar Card Number

Types of Pradhan Mantri Awas Yojana Gramin Scheme

The PMAY scheme is broken into two sub-sections based on their focus area:

The Pradhan Mantri Awas Yojana – Gramin (PMAY-G), formerly known as the Indira Awas Yojana, was renamed PMAY-G in 2016. The project aims to provide inexpensive and accessible housing units to eligible recipients in rural India (excluding Chandigarh and Delhi).

Under this policy, the Government of India and the individual state governments split the cost of developing housing units in the ratio of 60:40 for plain regions and 90:10 for North-Eastern and hilly areas.

The Pradhan Mantri Awas Yojana Gramin (PMAY-Gramin), as the name means, targets urban regions in India. This plan currently covers 4,331 towns and cities. The scheme is set to function in three distinct phases:

Phase 1: The government planned to cover 100 cities in various states and UTs across the country from April 2015 to March 2017.

Phase 2: Between April 2017 and March 2019, the government planned to cover 200 more cities across various states and union territories around the country.

Phase 3: In Phase 3, the government aimed to cover the cities that were left out in Phases 1 and 2 and achieve

How to Apply for the Pradhan Mantri Awas Yojana Online? 

You can apply for Pradhan Mantri Awas Yojana Gramin (PMAY-Gramin) through the PMAY portal. The PMAY application process is straightforward to use. All you need to do is enter your Aadhaar number. Follow the on-screen instructions and complete and submit the PMAY application form. 

Urban PMAY 

Step 1 – Visit the official PMAY portal. 

Step 2 –  Click on the ‘Citizen Assessment’ option or the ‘Apply Online’ option. 

Step 3 – Depending on your income group choose EWS/LIG/MIG. 

Step 4 – Enter all the requested details such as your personal information, Aadhaar number, income details, etc.  

Step 5 – Submit your application. 

Your application will be verified by the concerned authority. You can visit the PMAY portal to track the status of your application.  

Gramin PMAY 

Step 1 – Visit the official website of Pradhan Mantri Awas Yojana Gramin. 

Step 2 – On the main page, click on the ‘IAY/PMAYG’ option. 

Step 3 – Enter all the requested details such as your personal information, Aadhaar number, and bank account details. 

Step 4 – Submit your application. 

Your application will be verified by the concerned authority. You can visit the Pradhan Mantri Awas Yojana portal to track the status of your application. 

How to check PMAY Application Status?

To check the status of your PMAY application, you can simply log in to the official portal of Pradhan Mantri Awas Yojana Gramin at After that, you can just navigate to the tracking option and follow the on-screen directions to check the status of your application.

How to Edit Your Details After Submitting Application for PMAY

  1. Visit the official website of Pradhan Mantri Awas Yojana Gramin
  2. Enter your application reference number and your Aadhaar details
  3. Click on the “Edit” option
  4. You will now be allowed to edit your application details
  5.   PMAY Resource: PMAY Online Application Form

PMAY Customer Care Helpline Numbers

In case of any queries relating to the application process, interest rates and any other scheme-related queries, customers can contact the toll-free helpline number:

  • 1800-11-6163 (Urban, HUDCO)
  • 1800-11-3388 (Urban,NHB)
  • 1800-11-3377 (Urban,NHB)
  • 1800-11-6446 (Gramin)

Those facing any issues related to the application process can contact the above toll-free numbers according to the locations.

List of State-Level Nodal Agencies for PMAY (Gramin)

State/UTOrganisation NameAddress and Email
Andaman and Nicobar IslandsUnion Territory of Andaman and Nicobar IslandsMunicipal Council, Port Blair – 744101 Email:
Andhra PradeshAndhra Pradesh State Housing Corporation LimitedAndhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad – 500029 Email:
Andhra PradeshAndhra Pradesh Township Infrastructure Development Corporation LimitedFlat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada – 520004 Email:,
Arunachal PradeshGovernment of Arunachal PradeshDepartment of Urban Development and Housing, Mob-II, Itanagar Email:,
AssamGovernment of AssamBlock A, Room no. 219, Assam Secretariat, Dispur, Guwahati – 781006 Email:
BiharGovernment of BiharDadra and Nagar Haveli, Andaman and Diu
ChandigarhChandigarh Housing BoardSector 9-D, Chandigarh – 160017 Email:,
ChhattisgarhGovernment of ChhattisgarhMahanadi Bhawan Mantralaya, Room No. S-1/4, Naya Raipur, Chhattisgarh Email:
Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001 Email:, tpmanipur@gmail.comUnion Territory of Dadra and Nagar Haveli, and Daman and DiuSecretariat, Silvassa – 396220 Email:
Dadra and Nagar HaveliUnion Territory of Dadra and Nagar HaveliSecretariat, Silvassa – 396220 Email:
GoaGovernment of GoaGSUDA, 6th Floor, Shram Shakti Bhavan, Patto – PanajiEmail:
GujaratGovernment of GujaratAffordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar – 382010 Email:,
HaryanaState Urban Development AgencyBays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana – 134112 Email:
Himachal PradeshDirectorate of Urban DevelopmentPalika Bhawan, Talland, ShimlaEmail:
Jammu and KashmirJammu and Kashmir Housing BoardEmail:,
JharkhandUrban Development Department3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004 Email:,
KeralaState Poverty Eradication MissionTRIDA Building, Jn. Medical College, PO ThiruvananthapuramEmail:
Madhya PradeshUrban Administration and Development, GoMPPalika Bhawan, Shivaji Nagar, Bhopal – 462016 Email:,
MaharashtraGovernment of MaharashtraGriha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai – 400051 Email:,
ManipurGovernment of ManipurTown Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001 Email:,
MeghalayaGovernment of MeghalayaTown Planning Department, Government of Manipur,Directorate Complex, North AOC, Imphal – 795001 Email:,
MizoramUrban Development & Poverty Alleviation, Government of MizoramDirectorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram – 796005 Email:
NagalandGovernment of NagalandMunicipal Affairs cell, A.G. Colony, Kohima – 797001 Email:
OdishaHousing and Urban Development (H&UD) Department1st Floor, State Secretariat, Annex – B, Bhubaneswar – 751001 Email:
PuducherryGovernment of PuducherryTown & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry – 605005 Email:
PunjabPunjab Urban Development AuthorityPUDA Bhawan, Sector 62, SAS Nagar, Mohali, Punjab Email:,
RajasthanRajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO)4-SA-24, Jawahar Nagar, Jaipur, Rajasthan Email:
SikkimGovernment of SikkimDepartment of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok – 737102 Email:
Tamil NaduGovernment of Tamil NaduTamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu – 600005 Email:
TelanganaGovernment of TelanganaCommissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, Hyderabad Email:
TripuraGovernment of TripuraDirectorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor,Khadya Bhawan, Agartala – 799006 Email:
UttarakhandDirectorate of Urban DevelopmentState Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, Dehradun Email:
KarnatakaGovernment of Karnataka9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore – 560001 Email:
West BengalState Urban Development AuthorityILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata – 700106 Email:
Uttar PradeshState Urban Development Agency (SUDA)Navchetana Kendra, 10, Ashok Marg, Lucknow – 226002 Email:

Top 10 Banks Offering Home Loans Under PMAY Scheme

The top 10 banks in India that offer loans under the PMAY scheme are listed below:

FAQs on Pradhan Mantri Awas Yojana Gramin 2024

Pradhan Mantri Awas Yojana Online apply 2023-24 last date

The deadline to apply for the PMAY Scheme and get a home loan subsidy is December 31, 2024.

Pradhan Mantri Awas Yojana List

If you want to check the state-wise Pradhan Mantri Gramin Awas Yojana List 2024, then click on the link of any state given below, and then select your district, block, and village on the new page, then enter the captcha. Enter and click on the submit button given below. After this, the housing list of your village will appear in front of you.

Adhra PradeshMaharashtra
Arunachal PradeshhManipur
Himachal PradeshTamilNadu
Jammu and KashmirTelangana
KarnatakaUttar Pradesh
Madhya PradeshWest Bengal

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