The Pradhan Mantri Awas Yojana (PMAY) is a housing scheme introduced by the Indian government to help first-time homebuyers afford a place to live. Under this programme, eligible individuals from the Economically Weaker Section (EWS), Low-Income Group (LIG), and Middle-Income Group (MIG) can get interest subsidies on their home loans. The goal is to make home ownership possible for every Indian family. If you are planning to apply for PMAY in 2025, you can do so online through the updated official website or offline at your local Common Service Centre (CSC). This guide will walk you through the latest eligibility rules, especially those under the revamped PMAY-U 2.0 plan. Whether you are new to PMAY or seeking the most recent updates, this article will help you understand if you qualify and how to apply step-by-step.
Pradhan Mantri Awas Yojana Eligibility
Applicants will be eligible for PMAY when all below conditions are met:
- 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.
- The beneficiary family should not have availed of central assistance under any housing scheme from the Government of India/ State government.
- The beneficiary family should not have availed any PMAY – CLSS subsidy from any of the Primary Lending Institutions (‘PLI’).
Documents required for Pradhan Mantri Awas Yojana Scheme (PMAY)
Here are the documents required:
- Identity proof: Aadhaar card, PAN card, voter ID Card, passport, driving license, etc.
- Address proof: Voter ID card, passport, utility bills, etc.
- Income proof
- Property details: Allotment letter, property agreement, possession letter, etc.
- Bank account details
- Proof of SC/ST/OBC: Certificate of caste issued by the competent authority.
- Proof of minorities: Self-declaration as a minority (If applicable).
- Duly filled PMAY application form.
- Two passport size photographs.
- Proof of no pucca house: Self-certification/ self-declaration.
- Affidavit as proof of income.
- Proof of MIG/LIG category: Depending on the category you fall under, you will need to provide relevant proof. Example: Income certificate or BPL certificate (for EWS/LIG) etc.
- Consent Form: The beneficiary needs to submit a consent form for using their Aadhaar linked bank account for DBT (Direct Benefit Transfer).
PMAY eligibility criteria based on income
Economic Section |
Annual Family Income |
Maximum carpet area |
EWS |
Up to Rs. 3 Lakh |
30 square meters |
LIG |
Rs. 3 Lakh to Rs. 6 Lakh |
60 square meters |
MIG I |
Rs. 6 Lakh to Rs. 12 Lakh |
160 square meters |
MIG II |
Rs. 12 Lakh to Rs. 18 Lakh |
200 square meters |
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Pradhan Mantri Awas Yojana Eligibility Criteria for EWS and LIG
The Pradhan Mantri Awas Yojana (PMAY) is a government scheme in India aimed at providing affordable housing to Economically Weaker Sections (EWS) and lower-income groups (LIG). To be eligible for the PMAY scheme under these categories, the following criteria generally apply:
Economically Weaker Sections (EWS):
- Income criteria: The annual household income of applicants in the EWS category should typically be up to Rs. 3 lakh (subject to variations based on location and updates).
- Property ownership: The applicant or any family member should not own a pucca house (a permanent, concrete structure) anywhere in India.
- Documentation: Applicants are required to provide proof of income, identity, and residence.
Lower-Income Groups (LIG):
- Income criteria: The annual household income of applicants in the LIG category is typically between Rs. 3 lakh to Rs. 6 lakh (subject to variations based on location and updates).
- Property ownership: Similar to EWS, the applicant or any family member should not own a pucca house anywhere in India.
- Documentation: Applicants need to provide proof of income, identity, and residence documents.
Category |
Purpose of loan |
Household income |
Subsidy interest rate |
Max loan tenure |
Max interest subsidy amount |
Women ownership requirement |
EWS (Economically Weaker Section) |
Construction, extension, purchase |
Up to Rs. 3 lakh |
6.50% |
20 years |
Rs. 2.67 lakh |
Yes |
LIG (Low-Income Group) |
Construction, extension, purchase |
Up to Rs. 6 lakh |
6.50% |
20 years |
Rs. 2.67 lakh |
Yes |
It is important to note that the PMAY scheme has both urban and rural components, each with specific guidelines and criteria. Eligibility criteria can also change over time due to government updates and location-specific factors.
While PMAY provides excellent subsidies for home purchases, combining it with a competitive home loan can maximise your savings. A home loan from Bajaj Finserv offers attractive interest rates and quick approval within 48 hours*, making your home buying journey smoother. Check your loan offers with Bajaj Finserv to see how much you can save. You may already be eligible, find out by entering your mobile number and OTP.
PMAY eligibility for MIG -I and MIG-II
The Pradhan Mantri Awas Yojana (PMAY) also caters to Middle-Income Groups (MIG), which includes two sub-categories: MIG-I and MIG-II. Here are the eligibility criteria and benefits for each sub-category:
For Middle-Income Group - I (MIG-I):
- Income criteria: The annual household income for applicants in MIG-I should fall between Rs. 6 lakh to Rs. 12 lakh (subject to variations based on location and updates).
- Property ownership: The applicant or any family member should not own a pucca house (a permanent, concrete structure) anywhere in India.
- Loan amount: Under PMAY MIG-I, eligible beneficiaries can avail a maximum loan subsidy of 4% on a loan amount of up to Rs. 9 lakh.
- Loan tenure: The maximum tenure for this loan is 20 years.
For Middle-Income Group - II (MIG-II):
- Income criteria: The annual household income for applicants in MIG-II should fall between Rs. 12 lakh to Rs. 18 lakh (subject to variations based on location and updates).
- Property ownership: The applicant or any family member should not own a pucca house anywhere in India.
- Loan amount: Under PMAY MIG-II, eligible beneficiaries can avail a maximum loan subsidy of 3% on a loan amount of up to Rs. 12 lakh.
- Loan tenure: The maximum tenure for this loan is 20 years.
Category |
Purpose of loan |
Household income |
Subsidy interest rate |
Max loan tenure |
Max interest subsidy amount |
Women ownership requirement |
MIG-I (Middle Income Group I) |
Construction, purchase of house |
Rs. 6 lakh to Rs. 12 lakh |
4.00% |
20 years |
Rs. 2.35 lakh |
Not required |
MIG-II (Middle Income Group II) |
Construction, Purchase of House |
Rs. 12 lakhs to Rs. 18 lakhs |
3.00% |
20 years |
Rs. 2.30 lakhs |
Not required |
Both MIG-I and MIG-II categories are eligible for the Credit Linked Subsidy Scheme (CLSS), which provides financial assistance to help reduce the cost of home loans. The interest subsidy is credited to the loan account, resulting in lower monthly EMIs for the beneficiaries.
Planning to purchase a home under the MIG category requires careful financial planning beyond just the PMAY subsidy. Bajaj Finserv offers home loans up to Rs. 15 crore* with no foreclosure charges for individual borrowers, giving you the flexibility to manage your finances better. Check your eligibility for competitive home loan rates that complement your PMAY benefits. You may already be eligible, find out by entering your mobile number and OTP.
Important links: What is Home Loan | Home Loan Interest Rates | Home Loan Eligibility Criteria | Documents Required for Home Loan | Home Loan Balance Transfer | Joint Home Loan | Home Loan Tax Benefits | Home Loan Subsidy
As with any government scheme, it is important to verify the latest guidelines, income limits, and benefits with the relevant government authorities or housing agencies, as they can be subject to updates and variations based on factors such as location and changes in government policy. Meeting the eligibility criteria is the first step, and applicants must also follow the application process, typically involving submission of an application form and supporting documents to designated authorities or financial institutions participating in the PMAY scheme.
Other requirements to complete Pradhan Mantri Awas Yojana eligibility
In addition to these criteria, these are the other requirements to note:
- Only statutory towns, as per Census 2011, and towns notified subsequently are eligible for coverage under the scheme.
- The construction/ extension for which the loan is availed must be completed within 36 months from the date of disbursement of the 1st instalment of the loan amount.
- For LIG/ EWS category: 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. 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:
The validity of the PMAY scheme has not been extended.
- The EWS/ LIG schemes have been discontinued w.e.f. March 31, 2022
- The MIG schemes (MIG I and MIG II) have been discontinued w.e.f. March 31, 2021
General PMAY Information
Category |
URL |
Home Loan PMAY Overview |
|
PMAY Eligibility Criteria |
PMAY Eligibility Criteria |
PMAY FAQs |
|
Key Benefits of PMAY |
|
How to Apply for PMAY |
Meeting the eligibility criteria is the first step, and applicants must also follow the application process, typically involving submission of an application form and supporting documents to designated authorities or financial institutions participating in the PMAY scheme.
Before applying for PMAY, it is wise to understand your complete home financing options. Even if you qualify for PMAY subsidies, you will still need a home loan for the remaining amount. Bajaj Finserv provides home loans with attractive EMIs starting at just Rs. 687/lakh*, making homeownership more accessible. Check your home loan offers to complement your PMAY application. You may already be eligible, find out by entering your mobile number and OTP.
Who is not eligible for Pradhan Mantri Awas Yojana 2025?
Not everyone can apply for PMAY in 2025. If your total household income is above Rs. 18 lakh per year, you are not eligible for this scheme. You also cannot apply if you or anyone in your family already owns a permanent (pucca) house anywhere in India. However, if your current home is smaller than 21 square metres, you may still qualify for funding to improve or extend it. Lastly, those who have already received any financial help from the government to buy a house before cannot take part in this scheme again.
How to apply for PMAY online in 2025?
To apply for the Pradhan Mantri Awas Yojana (PMAY) online in 2025, start by visiting the official website: https://pmaymis.gov.in. Click on the link that says “Apply for PMAY-U 2.0”. This will redirect you to a page where you can check your eligibility.
Carefully read the instructions on the page before proceeding. You will need to enter details such as the name of the state where you are applying, your total yearly household income, and the vertical you are applying under. Please note that once you select a vertical, you cannot change it later.
You must also answer questions regarding current home ownership and provide consent for Aadhaar verification by filling in your Aadhaar number and full name. After generating an OTP, complete the form by uploading all required documents and submitting your application.
Important: Submitting the application does not guarantee that you will receive the benefit. The application and your eligibility will be reviewed by your State, Union Territory, Urban Local Body, or financial institution involved in the scheme.
Important points while applying for PMAY online
Before applying for PMAY, always make sure that you meet the eligibility criteria. You can check this by visiting https://pmay-urban.gov.in and reading the PMAY-U 2.0 guidelines.
A valid Aadhaar card is essential for completing your application. Without it, you will not be able to proceed.
It is also important that all the details you provide in the application form are accurate and complete. Any incorrect or missing information may lead to your form being rejected by the authorities.
How to apply for Pradhan Mantri Awas Yojana offline?
If you prefer not to apply online, you can complete the PMAY application form at government-run Common Service Centres (CSCs) or at selected banks that participate in the scheme. When applying offline, you will need to pay a registration fee of Rs. 25.
Do note that only official CSCs or recognised banks are authorised to accept your application. The Ministry of Housing and Urban Affairs (MoHUA) has not approved any private person or agency to charge or collect fees on its behalf. So, be cautious and avoid third-party agents.
How to apply for PM Awas Yojana 2025 through bank?
To apply for the PMAY scheme through a bank, first identify a bank that is part of the PMAY Credit-Linked Subsidy Scheme (CLSS) programme. Visit or contact the bank directly and ask for assistance with the PMAY application process.
You will be required to fill out the application form and submit it along with your Aadhaar card and any other documents the bank may request. These may include proof of income, residence, and identity.
Once submitted, the bank will process your application and forward it to the concerned authorities for eligibility verification and subsidy approval.
Conclusion
The Pradhan Mantri Awas Yojana 2025 offers an excellent opportunity for eligible families to own a home with government support. Whether applying online, offline, or through a bank, the process is straightforward as long as you have the required documents and meet the eligibility criteria. Always use the official PMAY platforms and avoid unauthorised agents. With subsidies making home loans more affordable, this scheme continues to bring the dream of owning a home closer for many. If you are eligible, do not miss the chance to apply and take a step towards secure housing and a better future.
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Frequently asked questions
The PMAY scheme is open to families with an annual income of up to Rs. 18 lakh, provided they do not own a permanent house anywhere in India.
Yes, government employees are generally eligible for the Pradhan Mantri Awas Yojana (PMAY) if they meet the income and property ownership criteria.
Yes, you can avail of Pradhan Mantri Awas Yojana (PMAY) benefits when applying for a joint home loan, provided that all applicants meet the eligibility criteria individually.
Your eligibility for the Pradhan Mantri Awas Yojana (PMAY) depends on your socio-economic category and income level. You or your family must also not own a pucca house or have benefitted from any central housing scheme in India. For precise details, you can visit the official PMAY website and use the 'Eligibility Check' feature.
Yes, PMAY is still available in 2025 and the deadline has been officially extended till the end of December for this scheme. This allows eligible urban and rural households to apply and benefit from this affordable housing initiative.
If you are not eligible for PMAY in 2025, you may explore other housing finance options like home loans from various banks and financial institutions. These options offer flexible repayment terms and competitive interest rates. You could also consider state government-run housing schemes, if available.
Individuals from Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG) are eligible. Annual income should be up to Rs. 18 lakh. Applicants must not own a permanent house in India.
Visit pmayuclap.gov.in. Enter your application ID and OTP received on your registered mobile number to track the status.
Yes, the PMAY-Urban scheme has been extended until December 31, 2025, to complete the construction of already sanctioned houses.
The highest subsidy offered now under PMAY Urban 2.0 is Rs. 1.80 lakh. It will be given in five parts across five years instead of as a single amount.
A total of 3 crore houses are planned, with 1 crore homes set to be built under PMAY Urban 2.0 alone, as per the 2024 Budget announcement.
The final date to submit applications for PMAY 2024 was 31st December 2024. No further applications were accepted after this deadline.
Visit https://pmaymis.gov.in, go to ‘Citizen Assessment’, select ‘Print Assessment’, and search by your name, phone number, or assessment ID to download the form.
Yes, eligible individuals can easily apply on their own through the official PMAY website without needing any help from agents or middlemen.
Anyone without a permanent (pucca) house, who has not used other housing schemes, and earns up to Rs. 18 lakh per year, can apply for PMAY benefits.
If you meet these criteria and are ready to take the next step towards homeownership, securing a competitive home loan alongside your PMAY subsidy can make your purchase more affordable. Check your eligibility for a home loan from Bajaj Finserv with interest rates starting at 7.49%* p.a.. You may already be eligible, find out by entering your mobile number and OTP.
You may need documents like Aadhaar card, voter ID, bank statements, rent agreement, passport, or any official proof of identity and address from a recognised source.
Having these documents ready also helps when applying for a home loan to finance your property purchase. Bajaj Finserv offers a hassle-free application process with doorstep document pickup and approval within 48 hours*. Check your loan offers to see how you can combine PMAY benefits with competitive home loan rates. You may already be eligible, find out by entering your mobile number and OTP.
