2 min read
25 May 2021

Four years after it was launched in 2015 with a vision of providing ‘Housing for all by 2022’, the Pradhan Mantri Awas Yojana or PMAY had already facilitated the construction of 1.53 crore houses. One way in which the PMAY helps urban dwellers meet their housing needs is through the Credit-linked subsidy scheme (CLSS). As of December 30, 2018, around 3.39 lakh people had claimed subsidies of up to Rs. 7,543 crore.

Beneficiaries can find their names on the PMAY list online and then avail a home loan from a primary lender offering CLSS benefits. Read on to know more about PMAY and learn how to find your name on its list of beneficiaries online.

About Pradhan Mantri Awas Yojana

The Pradhan Mantri Awas Yojana is a central housing scheme rolled out by the Government of India that seeks to build around 20 million affordable houses by March 31, 2022. The Union budget for the year 2018 allotted around Rs. 6,500 crore for the PMAY’s CLSS initiative. The PMAY offers home loan subsidies to economically weaker sections, low-income group (LIG) and middle-income group (MIG) earners. Beneficiaries can find their names on official PMAY lists.

Here’s a detailed overview of PMAY subsidy benefits extended to the four income groups under this scheme.

Income categories Annual income of the household Maximum tenure of home loan (in years) Interest subsidy (rate) Maximum interest subsidy (amount) Eligible amount of home loan qualifying for subsidy (maximum) Maximum carpet area (dwelling unit)
EWS Rs. 3 lakh (Maximum) 20 6.50% Rs. 2.67 lakh Rs. 6 lakh 30 sq. m.
LIG Between Rs. 3 lakh and Rs. 6 lakh 20 6.50% Rs. 2.67 lakh Rs. 6 lakh 60 sq. m.
MIG – 1 From Rs. 6 lakh to Rs. 12 lakh 20 4.00% Rs. 2.35 lakh Rs. 9 lakh 160 sq. m.
MIG – 2 Between Rs. 12 lakh and Rs. 18 lakh 20 3.00% Rs. 2.30 lakh Rs. 12 lakh 200 sq. m.

The applicable discount rate for interest subsidy NPV calculation stands at 9.00% for all income groups.

The last date for MIG persons to benefit from this scheme was 31 March, 2020. EWS and LIG earners can apply under the PMAY CLSS till 2022.

Pradhan Mantri Awas Yojana list for 2019 and 2018

If you applied under the PMAY in 2018-2019, you can enter your query on PMAY’s official website and see whether you have made it to the beneficiary list.

How to Check your Name in the PMAY list?

The PMAY beneficiary list is released separately for urban and rural applicants.

To access the PMAY (Gramin) beneficiary list, follow the below steps:

1. For the rural list without registration number

Step 1: Visit PMAY-Gramin’s official website
Step 2: Click on the ‘Advanced Search’ button located below the beneficiary search option (for those with the registration number)
Step 3: On the page you are redirected to, enter all required details like your state, block, name, sanction order, etc.
Step 4: Once you enter all the essential details, press the ‘Search’ button
Step 5: If your name has been included in the PMAY Rural beneficiary list, it will be displayed on the screen

2. For the rural list with registration number

Checking the PMAY beneficiary list with registration number is relatively simpler.
Step 1: Open PMAY-Gramin’s official website
Step 2: Enter your registration number and submit
Step 3: Your name will be displayed on-screen if you are selected as a PMAY beneficiary

For the PMAY (Urban) beneficiary list

To check your name in the PMAY urban beneficiary list:

Step 1: Visit the PMAY- Urban official website
Step 2: Take the cursor to 'Select Beneficiary' to the left of the page and click on 'Search by Name' in the drop-down menu
Step 3: Enter your Aadhaar number in the space provided. If your Aadhaar number shows up in the beneficiaries list, you have been selected

How is the PMAY list of beneficiaries prepared?

PMAY lists are compiled using data from the Socio-Economic Caste Census of 2011. Local panchayats and tehsils and state and UT governments also help with the shortlisting of beneficiaries.

Objectives of the PMAY scheme

The main objective of PMAY is to provide affordable housing to urban dwellers. Reports indicate that by 2050 half of India’s population will be concentrated in urban areas, and by 2031, the number of urban dwellers will hit the 600-million mark. To meet these pressing urban housing needs, the PMAY lists 4 separate initiatives:

  • “In-situ” slum redevelopment
  • Credit-linked subsidy scheme (CLSS)
  • Affordable housing in partnership (AHP)
  • Beneficiary-led individual house construction or enhancement

Features of PMAY

EWS and LIG individuals who feature on the PM Awas Yojana list can avail subsidies at a rate of up to 6.5% for a tenure of up to 15 years. Subsidy rates are capped at 4% and 3% for MIG-1 and MIG-2 persons, respectively. The maximum subsidy obtainable on home loans under the PMAY CLSS is Rs. 2.67 lakh.

  • The PMAY encourages women applicants, who are given preference to become homeowners
  • Under in-situ slum redevelopment and AHP, differently-abled persons and senior citizens will be given preference for ground or lower-floor flats during allocation
  • The PMAY encourages green technologies and building materials in construction

Who is eligible to apply for PMAY Scheme?

To make it to a PMAY list or claim benefits under any of the four verticals, a beneficiary family, which consists of you, your spouse and unmarried children, should not own a pucca house in any family member’s name in any part of India. Additionally, to claim PMAY CLSS benefits, the carpet area of the dwellings should not exceed the specified limits: 60 m2 for EWS and LIG earners and 160 m2 and 200 m2 for MIG-1 and MIG-2 earners, respectively. Finally, you can claim PMAY benefits under only one of the four initiatives.

Once you find your name on the PMAY list, proceed to pick the right home finance solution. You can get funding of up to Rs. 15 crore* at some of the lowest interest rates in the country with the Bajaj Finserv Home Loan. You can repay your loan over a tenure of up to 40 years, make prepayments and foreclose your loan at no additional cost, and compute your EMIs with the EMI calculator.

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1. How do I apply for PMAY online?

You can apply on the Pradhan Mantri Awas Yojana’s official website. Go to the ‘Citizen Assessment’ tab and click on ‘Benefits under 3 Components.’ Next, provide your Aadhaar number and fill the application form. Keep the application number and assessment ID generated for reference. Check the PMAY list to see whether you have been enrolled in it.

2. How can I check my PMAY status online?

You can track your application status on the PMAY portal. Use the assessment ID generated when you applied to check. You can use other details such as your name, father’s name, etc., to check the status.

3. How is the PMAY subsidy credited?

Once your name appears on the PMAY list, you are entitled to benefit from home loan interest subsidies. Inform your financial institution about your qualification to avail the home loan interest subsidies and fill the application form. Once the verification is complete, your financer will apply for the subsidy at PMAY nodal agencies and credit it to your account.

4. Is PMAY applicable to rural areas?

Yes, PMAY is applicable to rural areas and is known as Pradhan Mantri Awas Yojana Gramin. This scheme aims to provide affordable housing to individuals living in rural India. Check for your name on the PMAY list to avail interest subsidies on home loans.

5. Is PMAY applicable to a resale flat?

The credit-linked subsidy scheme under PMAY is not available for resale flats. Rural and urban residents can avail this benefit only on home loans taken to purchase or construct a new house. Check whether your name is available on the PMAY list to avail the benefits of the scheme.

6. What is the assessment ID in PMAY?

The assessment ID is a unique identification number assigned to every individual applying to the PMAY scheme. Applicants can use their assessment ID check to their application status on the PMAY website.

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