PMAY Vadodara 2026 – Eligibility, Beneficiary List, and How to Apply

Vadodara, once known primarily for its cultural and educational institutions, has seen rents climb steadily over the last few years. PMAY's arrival could not be better timed for families who want to own rather than continue renting in a city that is increasingly expensive.

This page covers:

• VMC's approved PMAY project — what is being built and where
• Benefits of the scheme — subsidies, priority groups, mandatory women ownership
• Income eligibility categories
• Documents required for PMAY Vadodara
• How to check the beneficiary list
• How to apply online
• How PMAY connects to a Bajaj Finance Home Loan

Pradhan Mantri Awas Yojana (PMAY) in Vadodara is the city-level implementation of the central government's 'Housing for All' programme. The Vadodara Municipal Corporation (VMC), working alongside the Central Sanctioning and Monitoring Committee, administers the scheme locally, overseeing construction, beneficiary selection, and fund disbursement.

The VMC has received approval to construct 190 houses and 74 shops across two sites in the Subhanpura area: 102 houses and 40 shops at one plot, and the remaining 88 flats and 34 shops at a second plot in the Subhanpura area. The total project cost is Rs. 15.09 crore. Each unit comes with a carpet area of 35 sq. mt., two rooms, and a kitchen — which, while compact, represents a significant step up for families currently living in inadequate or rented accommodation.

Under PMAY 2.0 for urban areas, the scheme offers:

Note: The MIG I (Rs. 6–12 lakh) and MIG II (Rs. 12–18 lakh) income brackets applied under the Credit Linked Subsidy Scheme (CLSS) of the earlier PMAY 1.0, which has been discontinued for new applicants. Under PMAY 2.0, the MIG ceiling is Rs. 9 lakh per annum.

Additional eligibility conditions

• Neither you nor any family member must own a pucca house anywhere in India
• No family member must have previously received financial assistance from any other government housing scheme

Personal and income documents

If your income is below the taxable limit, submit a self-affidavit income certificate. EWS and LIG applicants must submit a self-declaration form.

Property documents required

• Valuation certificate from a registered authority
• Approved construction plan
• Certificate from an architect or engineer stating construction cost, repair cost, and expected life of the house
• Construction agreement with the builder
• Document confirming the construction location meets legal requirements
• No Objection Certificate
• Contract of sale or letter of property allotment
• Affidavit confirming no family member owns a house anywhere in India

1. Visit the official PMAY portal.
2. Click on 'Search Beneficiary'.
3. Enter your Aadhaar number and click 'Show'.
4. If your details appear, you are listed as a beneficiary and can proceed with the next steps.

1. Identify which eligibility category you fall under:
   • Slum residents
   • Citizens with no land or means to get a home loan — select Affordable Housing in Partnership (AHP)
   • Citizens with no land who want to construct or enhance a property — select Beneficiary Led Construction (BLC)
   • Citizens who can manage a home purchase or construction with a loan — select Interest Subsidy Scheme (ISS)
2. Visit the official PMAY portal and click 'Citizen Assessment'.
3. Select your applicable category.
4. Enter your Aadhaar details, fill in the application form, and enter the captcha to submit.
5. Track your application status by clicking 'Track your Assessment Status' under 'Citizen Assessment'.

Vadodara's affordable housing push under PMAY gives EWS and LIG families a real opportunity to move from renting to owning. Combining PMAY benefits with a competitively priced home loan makes the gap between aspiration and ownership significantly smaller. Bajaj Finance offers home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years. Check your eligibility today.