Pradhan Mantri Awas Yojana


Pradhan Mantri Awas Yojana which is also referred to as PMAY is a popular scheme that the Indian government has launched. It focuses on making homes available for the people by the year 2022. The first launch of the scheme was in the year 2015 where it was under the credit-linked subsidy scheme where you get interest subsidy once you avail the loan or buy the home. The mission of such a scheme is to offer homes to all the people by the year 2022 which will be the 150th birthday of Mahatma Gandhi

This scheme provides the subsidized interest rate on the loans which are availed by the individual who is eligible and wishes to build the home. Those who don’t own a house are important criteria for this scheme to those applicants who wish to apply. There are also other criteria that shall determine the subsidy for which a borrower can be eligible. Depending on the total income that has been created by the family, certain earning groups will be able to apply for such a scheme. Once the application process of this scheme is completed successfully, they shall have to then look for the Pradhan Mantri Awas Yojana List for confirming whether their application is accepted or not.

Objectives of the Pradhan Mantri Awas Yojana (PMAY)

The scheme was launched in the year 2015 and since then it has already been in news for good reasons. It started with an intention to offer:

  • The poor section of the rural and urban Indian a better living

  • To offer financial assistance to those who are not able to afford the construction price of the residential property

  • To offer the homes to the Economically Weaker Sections (EWS) of the society Pradhan Mantri Awas Yojana List can be useful

  • To get the Public and Private sectors to offer the most affordable homes to Economically Weaker Sections (EWS).

  • To make the home much accessible for certain demographics like economically challenged women who belong to the minorities such as Scheduled Tribes and Scheduled Castes

Benefits and Features of the Scheme

There are certain benefits and features that an applicant can avail of from such a scheme. This includes:

  • The interest rate that shall be subsided for 6.50% per annum if the applicant can take the home loan for 20 years on the long-term basis

  • There would be 3 to 4% of the subsidy that shall be given to the middle-income group for the home loan to get an even construct of a home that also includes the repurchase.

  • All those urban areas which include the small towns will be covered in the scheme at the property of 500 class I cities

  • There will be technology-based housing which shall be sustainable and eco-friendly used for the building

  • The ground floor will be more preferred for the senior citizens and differently-abled ones.

Eligibility criteria

The Loan subsidy model has been designed to offer support to the economically weak section of the society. That is why there are certain eligibility criteria in which it is expected for the person to fit in. This includes:

  • A person with an annual household income of up to RS. 18 lakh is eligible for this scheme.

  • The applicant or the applicant’s family must not own a pucca house in any part of India.

  • The applicants and their family must not have received a benefit from any other housing-related scheme

  • Married applicants can avail of single housing loan subsidy only for single or joint ownership

  • The annual income of the spouse can also be included at the time of application.

  • The family includes the applicant’s wife, husband, unmarried son, or unmarried daughter.

  • To avail of the financial reinforcement from the government, every applicant can meet the eligibility criteria for setting the PMAY committee. The applicants are branched in different district groups.

Categories Of Beneficiaries

Beneficiaries of the PMAY scheme can be divided into six categories:

  • LIG: People with yearly household income between RS. 3 lakh and RS. 6 lakh

  • MIG2: People with yearly household income between RS. 12 lakh and RS. 18 lakh

  • EWS: People with yearly household income under RS. 3 lakh

  • MIG1: People with yearly household income under RS. 12 lakh

  • Minorities: It is possible for the Beneficiaries from different caste as well to be applicants as per the Socio-Economic and Caste Census data. These include the following:

  • Scheduled tribes

  • Freed bonded laborers

  • Kin and widows of ex-servicemen, individuals killed in action

  • Scheduled castes

  • Minorities and non-SC/ST under BPL

  • Kin and widows of paramilitary forces

  • Women: Women coming under EWS and LIG categories

How to avail of the Credit Linked Subsidy under Pradhan Mantri Awas Yojana

One of the most common concerns that are likely for many people to understand is how can the credit subsidy be availed. Well, if the steps are followed in the right manner, then it is possible to understand the process which is:

  • Look for the eligibility criteria for the credit-linked subsidy. You can always visit the bank or even the NBFC for the same

  • Make sure you fill-up the home loan credit-linked form and then submit it with the desired keywords

  • Once the verification is done, the amount of the housing loan will then be credited to the bank account

  • Once the loan is credited, it is possible for the lender to contact the nodal agency and the process will begin to claim the interest subsidy

  • The interest subsidy will then be credited to the account while the loan amount will then be adjusted against the EMIs

Documents Required For Application

There are some documents that an applicant has to either submit online or give at the office if applying offline. The documents are:

  • ID proof, like Aadhar card, driving license

  • Duly signed application form

  • Property documents, like the deed of sale or sale agreement

  • Address proof, like passport, voter card, Aadhar card

  • For salaried employees: 6 months’ salary slip, last 6 months’ bank statement

  • For self-employed: Balance sheet, profit & loss account, IT returns

How to Apply for Pradhan Mantri Awas Yojana (PMAY) Online

The process is quite simple provided you follow the steps rightly.

  • Online Application for PM Awas Yojana

  • Visit PMAY official website

  • Click on the “Citizen Assessment” option that you can see in the menu.  

  • Enter your Aadhaar card number for opening the application form. 

  • Enter your details in the form and save it.

  • Download the filled application form

  • Submit a printed copy at your nearest Common Service Centre (CSC) with required documents.

PMAY Application Form Offline

In order to apply for Pradhan Mantri Awas Yojana (PMAY) offline, visit direct to any CSC office near you to get an application form. You must fill up the PMAY application form and then submit it at the same location along with other required documents.

Pradhan Mantri Awas Yojana Bank List

  • Any scheduled Commercial Bank

  • Urban Cooperative bank

  • Housing Finance Company

  • Regional rural bank

  • State Cooperative Bank

  • Other institutions as may be identified by the MoHUA

How to Check PMAY Urban List?

  • The process in this case is divided into two segments. The one counterpart is meant for the urban beneficiaries while the other one for the rural ones. The step for the urban beneficiaries is:

  • Visit the official website of PMAY to check the PMAY List of beneficiaries.

  • Click on the option marked ‘Search Beneficiary’ 

  • Select the ‘Search by name’ option. The complete name can also be used for the search 

  • PM Awas Yojana List with the name of beneficiaries will be then seen on the screen.

How to Check the PMAY Rural List?

Those who want to check the PM Awas Yojana List for rural beneficiaries will have the registration number which they need to use. It is the most convenient way to get the list and stratus checked:

  • The most convenient method of checking list 2021 by using this registration number is explained below.

  • Visit the official website of PMAY to check the list of beneficiaries. 

  • Enter the registration number in the portal for accessing the list 

  • Beneficiaries with their name on the PMAY list can access and even Download Awas Yojana List for further details.

  • In case an applicant does not have their name on the list of beneficiaries will be intimated of the same


Pradhan Mantri Awas Yojana plays a crucial role to make the most affordable houses available for the people. This scheme also focuses on creating different jobs in the real estate industry. The scheme includes the RERA for creating 6.07 crore jobs. This kind of scheme is surely one great approach by the government to improve the country and bring equality in almost every corner of the nation.

Questions and Answers

How to check PM Awas Yojana Application Status?

  • The status can be checked online for which the applicant has to visit the official PMAY Track Assessment Website

  • To track the status, applicant must Enter Name, Father’s Name, and Mobile Number

  • Otherwise, the person can even track the status by entering Assessment ID and Mobile Number

How do I know if I qualify for PMAY?

Those individuals who fall under this scheme eligibility will be households with an annual income between RS.3 lakh to 18 lakh. Besides, the applicant should have the pucca home irrespective of any country corner.

How is the PMAY List of beneficiaries prepared?

To make sure only the right candidates get this scheme finally, the list of the beneficiary is made with the help of data which is extracted from the Socio-Economic Caste Census and not the BPL list. The tehsil and gram panchayat along with the UT government and state will give necessary aid in the process

How to Check PMAY Rural List Without registration number?

If the applicant does not have a registration number still it is possible to check the Pradhan Mantri Awas Yojana 2021 list. The steps include:

  • Visiting the official website of PMAY (Gramin)

  • Using the option of the ‘Advanced Search’ tab

  • Fill up the details in the form displayed on the screen and click search

  • PMAY list will be then accessible