By Dr V Palanivel 
Pradhan Mantri Awas Yojana Owning a house is a dream for millions of Indians, and the Government of India has made that dream a reality for many through the Pradhan Mantri Awas Yojana (PMAY). Launched in 2015, PMAY aims to provide affordable housing for all by the year 2022, but the scheme has been extended further due to demand and popularity.
In 2025, the scheme remains a beacon of hope for those seeking to buy or construct their first home, especially from Economically Weaker Sections (EWS), Lower Income Groups (LIG), and Middle Income Groups (MIG). This article will walk you through everything you need to know—PMAY status, eligibility, features, benefits, list of beneficiaries, online application process, sanction amount, and more.
What is Pradhan Mantri Awas Yojana?
Pradhan Mantri Awas Yojana (PMAY) is a flagship initiative of the Ministry of Housing and Urban Affairs (MoHUA), aiming to provide pucca (permanent) houses with basic amenities to all eligible urban and rural poor in India.
It consists of two main components:
PMAY-U (Urban)
PMAY-G (Gramin)
The mission is built upon the vision of “Housing for All”.
Launch Date of Pradhan Mantri Awas Yojana
| Scheme | Launch Date |
|---|---|
| PMAY-Urban | 25th June 2015 |
| PMAY-Gramin | 20th November 2016 |
Current Status of PMAY in 2025
As of 2025:
Over 1.25 crore houses have been sanctioned under PMAY-Urban.
Over 2.85 crore houses have been completed under PMAY-Gramin.
The scheme continues to receive extended budgets and support.
Applications are still open for eligible categories.
PMAY Eligibility Criteria
Eligibility under PMAY varies based on the income group:
| Category | Annual Income (INR) | Subsidy Benefit (Approx.) |
|---|---|---|
| EWS | Up to 3 Lakhs | 6.5% interest subsidy |
| LIG | 3 – 6 Lakhs | 6.5% interest subsidy |
| MIG-I | 6 – 12 Lakhs | 4% interest subsidy |
| MIG-II | 12 – 18 Lakhs | 3% interest subsidy |
General Eligibility Conditions:
Applicant should not own a pucca house in India.
The property must be in statutory towns as per Census 2011 and its extension.
Women ownership is mandatory (either sole or joint).
Beneficiary should not have availed central assistance under any other housing scheme.
Key Features of PMAY
Credit Linked Subsidy Scheme (CLSS): Interest subsidy on home loan.
Subsidy Up to INR 2.67 Lakhs depending on category.
Eco-friendly construction technologies are encouraged.
Mandatory for the house to be registered in the name of the female head of the household.
Focus on slum rehabilitation, affordable housing partnerships, and beneficiary-led individual house construction.
PMAY Online Application Process
Applying for PMAY online is a simple process:
Visit the Official Website:
Click on ‘Citizen Assessment’.
Select applicable category (e.g., Slum Dwellers, Others).
Fill the form with personal details, Aadhaar number, income details, etc.
Submit the form and note down your application reference number for tracking.
Sanction Amount Under PMAY
| Income Group | Maximum Subsidy Amount (Approx.) |
|---|---|
| EWS & LIG | Up to ₹2.67 Lakhs |
| MIG-I | Up to ₹2.35 Lakhs |
| MIG-II | Up to ₹2.30 Lakhs |
PMAY Beneficiary List Check
You can check your PMAY beneficiary status online:
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Official Website:
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Click on ‘Search Beneficiary’ under Citizen Assessment.
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Enter your Aadhaar number or application ID.
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The list will display your name and status if approved.
Pradhan Mantri Awas Yojana is a golden opportunity for low and middle-income families to own a home at affordable rates in India. The government has not only simplified the process but also extended the benefits till 2025 to ensure “Housing for All” becomes a reality.
Read also: PM kisan 2025 latest updates eligibility and how to apply
Official Website: Pradhan Mantri Awas Yojana