The Pradhan Mantri Awas Yojana is a government scheme that aims to offer affordable housing for the weaker sections of society. It was launched in 2015, and it targets the construction of 2 crore homes for the urban poor by 31st December 2024. It has several provisions and to avail these, you need to qualify as a beneficiary. This information is available on the PMAY list.
PMAY has many provisions for beneficiaries. One of these is the CLSS or credit linked subsidy scheme, which provides an interest subsidy on home loans in India to build, purchase or renovate existing homes. However, in order to avail this benefit, you need to feature on the Pradhan Mantri Awas Yojana beneficiary list.
If you are planning to purchase a home but do not qualify for PMAY benefits, securing affordable financing becomes crucial for your homeownership journey. Check your eligibility for a home loan from Bajaj Finance with competitive interest rates starting from 7.25% p.a.* and loan amounts up to Rs. 15 Crore*. You may already be eligible, find out by entering your mobile number and OTP.
What is Pradhan Mantri Awas Yojana?
The Pradhan Mantri Awas Yojana (PMAY) is a government-led housing initiative designed to help people from economically weaker backgrounds own a home. It aims to make affordable housing available to the poor in both rural and urban areas by building nearly 20 million homes at a reasonable cost.
The scheme has two main categories:
PMAY-Urban (PMAY-U) – for people living in cities and towns.
PMAY-Gramin (PMAY-G) – for families living in villages and rural regions.
PMAY is also closely linked to other central government schemes that improve living standards. These include:
Swachh Bharat Abhiyan – for clean surroundings and toilet construction.
Saubhagya Yojana – for providing electricity connections.
Ujjwala Yojana – for distributing LPG gas connections.
Access to safe drinking water – improving basic water availability.
Pradhan Mantri Jan Dhan Yojana – helping people open zero-balance bank accounts and join the formal banking system.
Together, these schemes ensure that beneficiaries of PMAY receive not just a house, but a better standard of living with essential amenities. By combining housing support with other social welfare programmes, the government aims to create more secure and comfortable homes for economically vulnerable groups.
Key facts about PMAY in 2025
The Pradhan Mantri Awas Yojana (PMAY) continues to evolve in 2025, supporting millions of families with safe and affordable homes.
PMAY-Urban (PMAY-U)
This part of the scheme supports different construction options. It includes individual house construction for EWS beneficiaries, who can receive central aid of up to Rs. 1.5 lakh. It also involves partnerships with private or public entities to develop affordable housing. Additionally, a Credit Linked Subsidy Scheme (CLSS) is available for people with an annual income of up to Rs. 18 lakh. As of 2 February 2025, over 3.34 crore houses have been sanctioned under PMAY-U, and 2.69 crore have been built.
PMAY-Gramin (PMAY-G)
This rural-focused scheme helps eligible families without proper housing in villages. In 2025, new beneficiaries are being identified using the Awaas+ 2024 Mobile App, ensuring an up-to-date and fair list. PMAY-G has brought significant improvements to rural living standards by providing pucca houses.
Funding and budget
In the 2024-25 Union Budget, Rs. 2.2 lakh crore has been allocated to construct an additional 3 crore homes, with Rs. 10 lakh crore total investment targeting 1 crore middle-class and low-income urban families under PMAY-U 2.0.
Monitoring and transparency
The government ensures accountability using community monitoring through Self Help Groups (SHGs) and formal audits in every Gram Panchayat. Beneficiary payments are transferred directly to bank or post office accounts via the AwaasSoft-PFMS platform.
Surveys and updates
The ongoing 2025 survey using the Awaas+ 2024 App enables rural families to self-enrol or participate in assisted surveys.
Income-based eligibility
The scheme divides income groups as follows:
EWS – Up to Rs. 3 lakh
LIG – Rs. 3 lakh to Rs. 6 lakh
MIG-I – Rs. 6 lakh to Rs. 12 lakh
MIG-II – Rs. 12 lakh to Rs. 18 lakh
Many families earning above Rs. 18 lakh annually may not qualify for PMAY subsidies but still need financial support for home purchases. Explore your home loan options with Bajaj Finance, offering flexible tenure up to 32 years and hassle-free approval in 48 hours*. You may already be eligible, check your offers by entering your mobile number and OTP.
State-led plans
For example, Uttar Pradesh plans to construct over 60 lakh houses under PMAY-G in the 2025–26 period.
Who is eligible for PMAY 2025?
A household under PMAY includes a husband, wife, and any unmarried children. To apply under the scheme, the following conditions must be met:
Family ownership
Applicants should not own a pucca house anywhere in India in their own name or in the name of a family member. If the house is smaller than 21 sqm, they may qualify for assistance to expand it.
Age and employment
Any adult who earns an income is considered a separate household, even if they are unmarried, and can apply under PMAY.
Marital status
In married couples, either spouse or both jointly can be eligible, provided the family’s income fits the scheme’s limits.
Income group and social category
Beneficiaries from the Economically Weaker Section (EWS) can access all PMAY components. Those from the Low Income Group (LIG) and Middle Income Group (MIG) are eligible for support under the CLSS part of the scheme.
Additionally, Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), and women from EWS and LIG groups are also eligible to benefit from PMAY 2025.
State-wise PMAY beneficiaries list for 2025
To know more about the state-wise PMAY list of completed houses, refer to the below table.
State | Houses sanctioned under PMAY | Houses completed/ sanctioned under PMAY |
Andhra Pradesh | 20,05,932 | 16% |
Uttar Pradesh | 15,73,029 | 27% |
Maharashtra | 11,72,935 | 23% |
Madhya Pradesh | 7,84,215 | 40% |
Tamil Nadu | 7,67,664 | 38% |
Karnataka | 6,51,203 | 25% |
Gujarat | 6,43,192 | 58% |
West Bengal | 4,09,679 | 46% |
Bihar | 3,12,544 | 21% |
Haryana | 2,67,333 | 8% |
Chhattisgarh | 2,54,769 | 31% |
Telangana | 2,16,346 | 45% |
Rajasthan | 2,00,000 | 38% |
Jharkhand | 1,98,226 | 38% |
Odisha | 1,53,771 | 44% |
Kerala | 1,29,297 | 55% |
Assam | 1,17,410 | 15% |
Punjab | 90,505 | 25% |
Tripura | 82,034 | 50% |
Jammu | 54,600 | 12% |
Manipur | 42,825 | 9% |
Uttarakhand | 39,652 | 33% |
Nagaland | 32,001 | 13% |
Mizoram | 30,340 | 10% |
Delhi | 16,716 | - |
Puducherry | 13,403 | 21% |
Himachal Pradesh | 9,958 | 36% |
Arunachal Pradesh | 7,230 | 25% |
Meghalaya | 4,672 | 21% |
Dadra and Nagar Haveli | 4,320 | 51% |
Ladakh | 1,777 | 21% |
Daman & Diu | 1,233 | 61% |
Goa | 793 | 93% |
Andaman and Nicobar | 612 | 3% |
Sikkim | 537 | 45% |
Chandigarh | 327 | - |
Lakshadweep | 0 | 0% |
Once you apply for Pradhan Mantri Awas Yojana, you will receive an application reference number to check if your name is enlisted on the Pradhan Mantri Awas Yojana new list 2023. This list contains the names of individuals whose applications have been accepted.
