How to Apply for Pradhan Mantri Awas Yojana (PMAY) Online – Step-by-Step Guide 2026

PMAY has two distinct arms — Urban and Gramin — each with its own application process, eligibility criteria, and portal. Applying through the right channel is the first step to accessing the scheme's benefits.

This page covers:

• What PMAY 2.0 is and who it targets in 2026
• PMAY-Urban vs. PMAY-Gramin — key differences
• Eligibility criteria — EWS, LIG, MIG income brackets
• Documents required for PMAY application
• Step-by-step: how to apply for PMAY online (urban)
• Step-by-step: how to apply for PMAY Gramin
• How to check application status
• How CLSS subsidy connects to a home loan
• Common reasons applications are rejected

The Pradhan Mantri Awas Yojana (PMAY) is the central government's flagship 'Housing for All' programme, running in its second phase (PMAY 2.0) through 2029. It has two distinct components:

• PMAY-Urban (PMAY-U): Targets urban households from EWS, LIG, and select MIG categories. Provides central assistance of up to Rs. 2.50 lakh under the the Beneficiary Led Construction (BLC) vertical for EWS families constructing on their own land. For home loan borrowers, the Interest Subsidy Scheme (ISS) provides a maximum interest subsidy of Rs. 1.80 lakh, credited directly to the loan account to reduce the outstanding principal and lower monthly EMIs.
• PMAY-Gramin (PMAY-G): Targets rural households living in kutcha or inadequate housing. Provides direct financial assistance (Rs. 1.20 lakh in plain areas, Rs. 1.30 lakh in hilly areas) disbursed through Aadhaar-linked bank accounts in construction-milestone instalments.

Note: The MIG-I / MIG-II split (up to Rs. 12 lakh and Rs. 18 lakh respectively) applied under PMAY-U 1.0, where Credit Linked Subsidy Scheme (CLSS) for MIG was valid only until 31 March 2022. Under PMAY-U 2.0 (effective from September 2024), MIG is a single consolidated category with an annual income ceiling of Rs. 9 lakh.

Additional eligibility conditions (applicable to all categories)

• Neither the applicant nor any family member should own a pucca house anywhere in India
• No family member should have previously received benefits under any central, state, or local government housing scheme in the last 20 years
• For EWS and LIG: property must be registered in the female head of household's name, or jointly
• Aadhaar card is mandatory for all applicants and family members

1. Visit the official PMAY-U 2.0 portal.
2. Click on 'Apply for PMAY-U 2.0' on the homepage. Read all instructions carefully before proceeding.
3. Complete the eligibility check by entering your state, annual household income, and selecting your applicable vertical:
   • Families building on their own land (EWS only): choose ‘Beneficiary Led Construction (BLC)’
   • Families purchasing from a public/private developer: choose ‘Affordable Housing in Partnership (AHP)’
   • Urban migrants and low-income renters: choose ‘Affordable Rental Housing (ARH)’
   • Home loan borrowers seeking an interest subsidy: choose ‘Interest Subsidy Scheme (ISS)’
4. Enter your Aadhaar number and complete OTP verification.
5. The application form will appear — fill in all details accurately: personal information, income, current housing status, family composition, and bank account details.
6. Upload required documents in the specified formats.
7. Enter the captcha and click 'Submit'.
8. Note your Assessment ID — use it to track your application status.

Important: Once a vertical is selected, it cannot be changed. Submitting an application does not guarantee benefit — eligibility must be verified by the relevant State/ UT/ ULB/ CNA/ PLI.

PMAY-G applications are not submitted directly online by individuals — beneficiaries are identified through the SECC (Socio-Economic and Caste Census) data and approved through the Gram Sabha.

1. Contact your local Gram Panchayat to confirm whether you are listed in the SECC survey data.
2. If you are listed, the Gram Panchayat will guide you through the local registration and verification process.
3. If you believe you are eligible but not in the SECC list, register through the Awaas+ mobile application to flag your household for inclusion in updated surveys.
4. Once selected, the Gram Panchayat will initiate the beneficiary registration through the official PMAY-G portal.
5. Ensure your Aadhaar is linked to your bank account — all instalments are disbursed via Direct Benefit Transfer (DBT) to your Aadhaar-linked account.

PMAY-Urban

1. Visit the official PMAY-U 2.0 portal.
2. Click 'Track Your Assessment Status'.
3. Enter your Assessment ID or mobile number and Aadhaar number.
4. Your current status will appear.

PMAY-Gramin

1. Visit the official PMAY-G portal.
2. Click 'Stakeholders' > 'IAY/ PMAYG Beneficiary'.
3. Enter your registration number.
4. Alternatively, use the UMANG app for Aadhaar-linked status checks.

For PMAY-U applicants choosing the ISS (Interest Subsidy Scheme) vertical, the subsidy does not arrive as a cash payment — it works through your home loan:

1. Apply for a home loan from a PMAY-empanelled lender like Bajaj Finance.
2. Declare your intention to claim CLSS subsidy on the loan application.
3. The lender registers your claim with the Central Nodal Agency.
4. The subsidy amount — a maximum of Rs. 1.80 lakh, representing 4% interest on the first Rs. 8 lakh of the loan for up to 12 years — is credited directly to your loan account.
5. Your outstanding principal reduces by the subsidy amount, which lowers your EMI for the remaining tenure.
    

Bajaj Finance offers home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years, and is empanelled under PMAY. Check your eligibility today.

• Applicant or family member already owns a pucca house
• Previously received government housing scheme benefit
• Aadhaar not linked to bank account — DBT cannot be processed
• Income above the applicable category limit
• Incomplete or inconsistent documentation
• Property does not meet size norms (for EWS under BLC: carpet area must not exceed 45 sq. mt.; for EWS under AHP: 30–45 sq. mt.)

PMAY 2.0 represents one of the most significant affordable housing opportunities for first-time buyers in India, particularly for EWS and LIG families who are financing their first home. Applying correctly through the right vertical and pairing it with a PMAY-empanelled home loan from Bajaj Finance gives you the best chance of accessing the full benefit. Home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years. Check your eligibility today.