Home Loan PMAY List

Pradhan Mantri Awas Yojana Eligibility

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PMAY Eligibility Criteria

Applicant’s will be eligible for PMAY when all below conditions are met:
 

1.   The beneficiary family should not own a pucca house (an all-weather dwelling unit) either in his/her name or in the name of       any member of his/her family in any part of India.

2.   The beneficiary family should not have availed of central assistance under any housing scheme from Government of India/State       government.

3.   The beneficiary family should not have availed any PMAY – CLSS subsidy from any of the Primary Lending Institutions (‘PLI’).

4.   All Statutory Towns as per Census 2011 and towns notified subsequently would be eligible for coverage under the Mission.

5.   The construction/extension for which the loan is availed must be completed within 36 months from the date of the       disbursement of the 1st instalment of the loan amount.

PMAY Eligibility Criteria for different Income group

Income Group Validity Total Household Income (p.a.) Maximum Loan Tenor (for subsidy) Maximum Carpet Area (sq. m.) Maximum Loan Amount Interest Rate Subsidy
EWS Till 31 March, 2022 Rs.6 lakh 20 years 30 Rs.3 lakh 6.50%
LIG Till 31 March, 2022 Rs.6 lakh 20 years 60 Rs.3–6 lakh 6.50%
MIG I Till 31 March, 2021 Rs.9 lakh 20 years 160 Rs.6–12 lakh 4%
MIG II Till 31 March, 2021 Rs.12 lakh 20 years 200 Rs.12–18 lakh 3%
 

Additional Criteria for LIG/EWS category only:   The houses constructed/acquired with central assistance under the Mission should be in the name of the female head of the household or in the joint name of the male head of the household and his wife, and only in cases when there is no adult female member in the family, the house can be in the name of male member of the household.
 

Disclaimer:
PMAY subsidy scheme for MIG I & II category is not extended by regulatory. Category wise scheme validity is mentioned below:
1.EWS & LIG category is valid up to 31st March 2022
2.MIG I & MIG II category was valid up to 31st March 2021

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