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.
- 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.
- 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:
| Beneficiary | Annual Income |
| Middle Income Group I (MIG I) | Rs.6 lakh to Rs.12 lakh |
| Middle Income Group I (MIG II | Rs.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
| Particulars | EWS | LIG |
| Eligible Housing Loan Amountfor Interest Subsidy | Up to Rs.6 lakh | Up to Rs.6 lakh |
| Maximum Loan Tenure | 20 years | 20 years |
| Eligible Housing Loan Amount for Interest Subsidy | 9.00% | 9.00% |
| Dwelling Unit Carpet Area(sq.m.) | Up to 30 sq.m. | Up to 60 sq.m. |
| Duration of Scheme | 17 June 2015 to 31 December 2024 | 17 June 2015 to 31 December 2024 |
| Applicability of No Pucca House | Not for upgradation or renovation | |
| Woman Ownership/Co-ownership | Not required for an existing property. Compulsory for a new acquisition. | |
| Discounted Rate for Calculation of Net Present Value of InterestSubsidy | Rs.3,000 | Rs.3,000 |
| Quality of Flat/HouseConstruction | BIS Codes, National Building Code, and according to the NDMA Guidelines adopted | |
| Approvals for the BuildingDesign | Mandatory | Mandatory |
| Basic Civic Infrastructure (water, electricity, sanitation, sewerage, road etc.) | Mandatory | Mandatory |
| Maximum Interest SubsidyAmount | Rs.2,67,280 | Rs.2,67,280 |
The following factors are needed for PMAY
| Particulars | MIG I | MIG II |
| Lump Sum Amount Paid for for Sanctioned Housing LoanApplication Instead of Processing Fee | Up to Rs.9 lakh | Up to Rs.12 lakh |
| Maximum Loan Tenure | 20 years | 20 years |
| Dwelling Unit Carpet Area(sq.m.) | 160 sq.m. | 200 sq.m |
| Maximum Interest Subsidy Amount | Rs.2,35,068 | Rs.2,30,156 |
| Basic Civic Infrastructure (water, road, sanitation, sewerage, electricity etc.) | Rs.2,000 | Rs.2,000 |
| Basic Civic Infrastructure (water, road, sanitation, sewerage,electricity etc.) | 9.00% | 9.00% |
| Duration of Scheme | 1 January 2017 to 31 December 2024 | 1 January 2017 to 31 December 2024 |
| Woman Ownership/Co-ownership | Not compulsory | Not compulsory |
| Applicability of No Pucca House | Yes | Yes |
| Approvals for the BuildingDesign | Mandatory | Mandatory |
| Quality of House/FlatConstruction | BIS Codes, National Building Code, and according to the NDMA Guidelines adopted | |
| Basic Civic Infrastructure (water, road, sanitation, sewerage, electricity etc.) | Mandatory | Mandatory |
| Income Proof to Claim Subsidy | Self-Declaration | Self-Declaration |
| Identity Proof | Aadhaar Card Number | Aadhaar 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?Â
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.Â
Urban PMAY
Step 1 – Visit the official PMAY portal.
Step 2 – Click on the âCitizen Assessmentâ option or the âApply Onlineâ 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 PMAYÂ
Step 1 –Â Visit the official website of Pradhan Mantri Awas Yojana Gramin.Â
Step 2 – On the main page, click on the âIAY/PMAYGâ 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.Â
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 https://pmaymis.gov.in. 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
- Visit the official website of Pradhan Mantri Awas Yojana Gramin
- Enter your application reference number and your Aadhaar details
- Click on the âEditâ option
- You will now be allowed to edit your application details
- Â PMAY Resource:Â 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/UT | Organisation Name | Address and Email |
| Andaman and Nicobar Islands | Union Territory of Andaman and Nicobar Islands | Municipal Council, Port Blair â 744101 Email: jspwdud@gmail.com |
| Andhra Pradesh | Andhra Pradesh State Housing Corporation Limited | Andhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad â 500029 Email: apshcl.ed@gmail.com |
| Andhra Pradesh | Andhra Pradesh Township Infrastructure Development Corporation Limited | Flat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada â 520004 Email: aptsidco@gmail.com, mdswachchandhra@gmail.com |
| Arunachal Pradesh | Government of Arunachal Pradesh | Department of Urban Development and Housing, Mob-II, Itanagar Email: chiefengineercumdir2009@yahoo.com, cecumdirector@udarunachal.in |
| Assam | Government of Assam | Block A, Room no. 219, Assam Secretariat, Dispur, Guwahati â 781006 Email: directorcpassam@gmail.com |
| Bihar | Government of Bihar | Dadra and Nagar Haveli, Andaman and Diu |
| Chandigarh | Chandigarh Housing Board | Sector 9-D, Chandigarh â 160017 Email: chb_chd@yahoo.com, infor@chb.co.in |
| Chhattisgarh | Government of Chhattisgarh | Mahanadi Bhawan Mantralaya, Room No. S-1/4, Naya Raipur, Chhattisgarh Email: pmay.cg@gmail.com |
| Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal â 795001 Email: hfamanipur@gmail.com, tpmanipur@gmail.com | Union Territory of Dadra and Nagar Haveli, and Daman and Diu | Secretariat, Silvassa â 396220 Email: devcom-dd@nic.in |
| Dadra and Nagar Haveli | Union Territory of Dadra and Nagar Haveli | Secretariat, Silvassa â 396220 Email: pp_parmar@yahoo.com |
| Goa | Government of Goa | GSUDA, 6th Floor, Shram Shakti Bhavan, Patto â PanajiEmail: gsuda.gsuda@yahoo.com |
| Gujarat | Government of Gujarat | Affordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar â 382010 Email: gujarat.ahm@gmail.com, mis.ahm2014@gmail.com |
| Haryana | State Urban Development Agency | Bays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana â 134112 Email: suda.haryana@yahoo.co.in |
| Himachal Pradesh | Directorate of Urban Development | Palika Bhawan, Talland, ShimlaEmail: ud-hp@nic.in |
| Jammu and Kashmir | Jammu and Kashmir Housing Board | Email: Jkhousingboard@yahoo.com, raysltcjkhb@gmail.com |
| Jharkhand | Urban Development Department | 3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand â 834004 Email: jhsltcray@gmail.com, director.ma.goj@gmail.com |
| Kerala | State Poverty Eradication Mission | TRIDA Building, Jn. Medical College, PO ThiruvananthapuramEmail: uhmkerala@gmail.com |
| Madhya Pradesh | Urban Administration and Development, GoMP | Palika Bhawan, Shivaji Nagar, Bhopal â 462016 Email: addlcommuad@mpurban.gov.in, mohit.bundas@mpurban.gov.in |
| Maharashtra | Government of Maharashtra | Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai â 400051 Email: mhdirhfa@gmail.com, cemhadapmay@gmail.com |
| Manipur | Government of Manipur | Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal â 795001 Email: hfamanipur@gmail.com, tpmanipur@gmail.com |
| Meghalaya | Government of Meghalaya | Town Planning Department, Government of Manipur,Directorate Complex, North AOC, Imphal â 795001 Email: hfamanipur@gmail.com, tpmanipur@gmail.com |
| Mizoram | Urban Development & Poverty Alleviation, Government of Mizoram | Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram â 796005 Email: hvlzara@gmail.com |
| Nagaland | Government of Nagaland | Municipal Affairs cell, A.G. Colony, Kohima â 797001 Email: zanbe07@yahoo.in |
| Odisha | Housing and Urban Development (H&UD) Department | 1st Floor, State Secretariat, Annex – B, Bhubaneswar â 751001 Email: ouhmodisha@gmail.com |
| Puducherry | Government of Puducherry | Town & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry â 605005 Email: tcppondy@gmail.com |
| Punjab | Punjab Urban Development Authority | PUDA Bhawan, Sector 62, SAS Nagar, Mohali, Punjab Email: office@puda.gov.in, ca@puda.gov.in |
| Rajasthan | Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO) | 4-SA-24, Jawahar Nagar, Jaipur, Rajasthan Email: hfarajasthan2015@gmail.com |
| Sikkim | Government of Sikkim | Department of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok â 737102 Email: gurungdinker@gmail.com |
| Tamil Nadu | Government of Tamil Nadu | Tamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu â 600005 Email: raytnscb@gmail.com |
| Telangana | Government of Telangana | Commissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, Hyderabad Email: tsmepma@gmail.com |
| Tripura | Government of Tripura | Directorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor,Khadya Bhawan, Agartala â 799006 Email: sipmiutripura@gmail.com |
| Uttarakhand | Directorate of Urban Development | State Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, Dehradun Email: pmayurbanuk@gmail.com |
| Karnataka | Government of Karnataka | 9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore â 560001 Email: dmaray2012@gmail.com |
| West Bengal | State Urban Development Authority | ILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata â 700106 Email: wbsuda.hfa@gmail.com |
| Uttar Pradesh | State Urban Development Agency (SUDA) | Navchetana Kendra, 10, Ashok Marg, Lucknow â 226002 Email: hfaup1@gmail.com |
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:
- Bank of Baroda
- State Bank of India
- Axis Bank
- IDFC First Bank
- Bandhan Bank
- Bank of India
- HDFC Bank
- IDBI Bank
- Punjab National Bank
- Canara Bank
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.
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