Pradhan Mantri Awas Yojana — Urban & Rural

What is PM Awas Yojana?

Pradhan Mantri Awas Yojana provides financial assistance for housing to the homeless, those living in kutcha (non-permanent) houses, and economically weaker section families. There are two components: PMAY-Urban (for cities) and PMAY-Gramin (for villages).

Key Benefits

• PMAY-Gramin: ₹1.2 lakh in plain areas, ₹1.3 lakh in hilly/difficult terrain

• PMAY-Urban (Credit Linked Subsidy): interest subsidy of up to ₹2.67 lakh on home loans

• PM Awas Yojana 2.0 (Urban): one-time grant of ₹2.5 lakh for EWS/LIG families for new house construction or purchase

• Housing in beneficiary's name (or joint name with female member)

• Toilet, electricity, and water connections included

Who is Eligible?

Families not owning a pucca (permanent) house anywhere in India. For urban: EWS (annual income up to ₹3 lakh), LIG (₹3–6 lakh), MIG-I (₹6–12 lakh), MIG-II (₹12–18 lakh) — each with different subsidy amounts. For rural: families listed in the Socio-Economic Caste Census (SECC) data.

Documents Required

• Aadhaar card (all adult family members)

• Income certificate

• Bank account details

• Land ownership documents (for self-construction)

• Self-declaration of not owning a pucca house

• Ration card

How to Apply

For urban (PMAY-Urban): apply at pmaymis.gov.in or visit your city/town municipality (local body). For rural (PMAY-Gramin): eligible families are identified from SECC data — contact your Gram Panchayat or Block Development Officer. The Seva Sankalp team can help verify your inclusion in SECC data and assist with the application.

Scheme Assistance

N. Senthilkumar Nagendran

BJP Zone Incharge, Tamil Nadu — leading Seva Sankalp Abhiyan to bring every Central scheme to your doorstep.

More Schemes