How to Apply for Pradhan Mantri Awas Yojana in India
What is Pradhan Mantri Awas Yojana (PMAY)?
Pradhan Mantri Awas Yojana (PMAY) is a government initiative launched in 2015 to provide affordable housing for all by 2022. It offers interest subsidies on home loans to eligible families in both urban and rural India.
The scheme is divided into two parts: PMAY Urban and PMAY Gramin, targeting economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG).
How to Apply for PMAY Online – Step-by-Step
1. Visit the Official PMAY Portal
Go to pmaymis.gov.in for urban areas or pmayg.nic.in for rural applications.
2. Choose the Citizen Assessment
Click on “Citizen Assessment” and select the appropriate category based on your income group (EWS, LIG, MIG-I, MIG-II).
3. Enter Aadhaar and Personal Details
- Enter your Aadhaar number and verify it.
- Fill out your personal, residential, and income details.
- Provide current housing status and employment information.
4. Submit and Save the Application
After completing the form, submit your application and download the acknowledgement slip for future reference.
Eligibility Criteria for PMAY
- The applicant must be a citizen of India.
- No pucca house in the name of the applicant or any family member.
- Annual income must fall under EWS, LIG, or MIG category.
- Aadhaar number is mandatory for application.
Beneficiaries should not have availed of housing schemes by any government earlier.
Documents Required for PMAY
- Aadhaar Card
- Income Certificate or Salary Slip
- Bank Account Details
- Property Documents (if applicable)
- Residential Address Proof
FAQs – PMAY Application Process
Can I apply for PMAY offline?
Yes, you can apply at your nearest Common Service Centre (CSC) with necessary documents and Aadhaar authentication.
Is there an application fee?
Online application is free. CSC centers may charge a nominal service fee.
How long does approval take?
The approval process may take 1–3 months depending on verification and availability of housing.
