🏠 Housing👷 Workers & informal sector

PM Awas Yojana

Pradhan Mantri Awas Yojana (PMAY)

Pradhan Mantri Awas Yojana helps eligible families own a pucca house, through the urban (PMAY-U) and rural (PMAY-G) components. Benefits include financial assistance and an interest subsidy on home loans for eligible income groups.

Official portal · Ministry of Housing & Urban Affairs / Rural Developmentpmaymis.gov.inVisit official site

Last updated 19 Jul 2026 Verified against Ministry of Housing & Urban Affairs / Rural Development Educational guide, not a government site — see our editorial policy.

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Benefits

Financial assistance towards a house
Interest subsidy on home loans (CLSS, as applicable)
Focus on women ownership / co-ownership

Eligibility

Families without a pucca house, as per the official criteria
Income-group and other conditions per PMAY-U / PMAY-G

Documents needed

AadhaarIncome proofBank account detailsProof of not owning a pucca house (as required)

How to apply

1Check eligibility on the official PMAY portal (pmaymis.gov.in) or via your local body / gram panchayat.
2Apply online (PMAY-U) or through the rural process (PMAY-G).
3Complete Aadhaar-based verification.
4Track your application and assessment.
5Receive assistance in stages as the house is built (where applicable).

Frequently asked questions

What is the difference between PMAY-U and PMAY-G?

PMAY-U is for urban areas and PMAY-G (Gramin) is for rural areas; each has its own eligibility and application process.

Does PMAY give a home loan subsidy?

Eligible income groups can get an interest subsidy on home loans under the Credit Linked Subsidy Scheme (CLSS), subject to prevailing rules.

Related schemes

Jan Dhan Yojana

Zero-balance bank account with insurance and DBT access.

PM Ujjwala Yojana

Free LPG gas connection for women of low-income households.

Atal Pension Yojana

Guaranteed monthly pension after 60 for informal-sector workers.

PM Suraksha Bima Yojana

Accident insurance cover at a very low yearly premium.

How to apply

1Check eligibility on the official PMAY portal (pmaymis.gov.in) or via your local body / gram panchayat.

2Apply online (PMAY-U) or through the rural process (PMAY-G).

3Complete Aadhaar-based verification.

4Track your application and assessment.

5Receive assistance in stages as the house is built (where applicable).

Frequently asked questions

What is the difference between PMAY-U and PMAY-G?

PMAY-U is for urban areas and PMAY-G (Gramin) is for rural areas; each has its own eligibility and application process.

Does PMAY give a home loan subsidy?

Eligible income groups can get an interest subsidy on home loans under the Credit Linked Subsidy Scheme (CLSS), subject to prevailing rules.