Pradhan Mantri Awas Yojana List 2026 – How to Check Your Name

PMAY has transformed affordable housing access across India, and appearing on the beneficiary list unlocks financial assistance — including the Interest Subsidy Scheme (ISS) under the current PMAY-Urban 2.0 — that meaningfully reduces the cost of a home loan. Understanding how to check your status, the state-wise progress, and the specific eligibility conditions for each income category is the practical starting point for any PMAY applicant.

This page covers:

• What PMAY is and its two categories — Urban and Gramin
• Key facts about PMAY in 2026 — funding, monitoring, income eligibility
• Who is eligible for PMAY 2026
• State-wise PMAY beneficiaries list summary
• How to check your name in the PMAY Urban list
• How to check the PMAY Gramin list
• Features and benefits of PMAY
• ISS eligibility criteria by income category under PMAY-U 2.0
• How to finance the balance amount with a home loan

PMAY is a government-led housing initiative designed to help people from economically weaker backgrounds own a home, aiming to make affordable housing available in both rural and urban areas. Now in its second phase across both components, the scheme continues to drive India's "Housing for All" mission. It 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 closely linked to other central schemes including Swachh Bharat Mission–Gramin, Saubhagya Yojana, Ujjwala Yojana, and Jal Jeevan Mission, ensuring beneficiaries receive not just a house but a better overall standard of living.

• PMAY-Urban: Active since 1 September 2024, PMAY-U 2.0 supports Beneficiary-led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and the Interest Subsidy Scheme (ISS) for eligible income groups. Central assistance of up to Rs. 1.5 lakh is provided for individual house construction under BLC. As of February 2026, over 13.61 lakh houses have been sanctioned under PMAY-U 2.0, with the total sanctioned under the overall PMAY-Urban mission (since 2015) standing at 122.50 lakh, of which over 97 lakh have been completed. Note: The earlier Credit Linked Subsidy Scheme (CLSS) closed on 31 March 2022; the ISS is its current-phase successor under PMAY-U 2.0.
• PMAY-Gramin: New beneficiaries are identified using the Awaas+ survey process and the AwaasApp. Total revised target: 4.95 crore houses (including 2 crore additional homes approved for FY 2024–25 to FY 2028–29); as of March 2026, approximately 3 crore rural houses have been completed.
• Funding: The 2024-25 Union Budget announced central assistance of Rs. 2.2 lakh crore over five years for PMAY-Urban 2.0, as part of a total investment of Rs. 10 lakh crore targeting 1 crore urban families. Separately, PMAY-Gramin's extended phase carries a total outlay of Rs. 3.06 lakh crore for 2 crore additional rural homes through 2029.
• Monitoring: Accountability is ensured through community monitoring via Self Help Groups (SHGs) and formal social audits in every Gram Panchayat. Payments are transferred via the AwaasSoft-PFMS platform, with geo-tagged, time-stamped construction photographs required at every stage before funds are released.

A household under PMAY includes husband, wife, and unmarried children. An unmarried earning adult may apply independently subject to the eligibility conditions prescribed under PMAY-U 2.0. Beneficiaries must not have previously received assistance for a house under any Government housing scheme and must satisfy all eligibility conditions under PMAY-U 2.0.

Applicants must not own a pucca house anywhere in India (in their own name or a family member's name). Under PMAY-U 2.0, the house must be registered in the name of the female head of the household or held jointly with a male member

Figures represent cumulative sanctions under the original PMAY-Urban mission. House completion figures continue to change as projects are completed. Refer to the official PMAY-U MIS dashboard for the latest state-wise progress.

1. Visit the official website of the Ministry of Housing and Urban Affairs
2. Click on the 'Search Beneficiary' option
3. From the dropdown menu, choose ‘Search by Name’
4. Enter the first 3 characters of your name and click ‘Show’

1. Visit the official website of PMAY-Gramin
2. Provide your registration number accurately and click ‘Submit’

Without a registration number:

1. Visit the official PMAY-Gramin website
2. Click on ‘Advanced Search’
3. Fill up the form with correct details
4. Proceed with the 'Search' option

• Interest Subsidy Scheme (ISS) under PMAY-U 2.0: a uniform 4% interest subvention on the first Rs. 8 lakh of a home loan, disbursed in five equal annual instalments of Rs. 36,000 each, for a maximum benefit of Rs. 1.80 lakh (NPV Rs. 1.50 lakh) — applicable to loans sanctioned and disbursed on or after 1 September 2024
• Housing loans of up to Rs. 25 lakh are covered under ISS, provided the overall property value does not exceed Rs. 35 lakh
• Houses use eco-friendly and sustainable materials and technology
• Senior citizens and differently-abled individuals given preference for ground floor allocation
• Scheme covers statutory towns as per the 2011 Census and subsequently notified urban areas
• Under PMAY-U 2.0, 96% of sanctioned houses are registered in the name of a female head of household or under joint ownership, reflecting the scheme's strong women's empowerment mandate

The Credit Linked Subsidy Scheme (CLSS) that operated under the original PMAY-Urban (2015–2022) is now closed. The active subsidy mechanism under PMAY-Urban 2.0 is the Interest Subsidy Scheme (ISS), applicable to home loans sanctioned and disbursed from 1 September 2024 onwards.

For EWS, LIG, and MIG categories:

• Beneficiary family must comprise husband, wife, unmarried sons and/or unmarried daughters; an unmarried earning adult may also apply independently
• Household income within the relevant income bracket (up to Rs. 18 lakh per annum)
• House must be registered in the name of the female head of the family or in joint ownership with a male member
• Uniform ISS interest subsidy of 4% on the first Rs. 8 lakh of the loan amount
• Maximum subsidy benefit: Rs. 1.80 lakh, paid in five equal annual instalments of Rs. 36,000 each
• Loan tenure must exceed five years to qualify for the full subsidy
• Subsidy is applicable only once per property; subsequent buyers on the same property cannot claim it
   

Disclaimer: EWS & LIG category was valid up to 31 March 2022; MIG I & MIG II category was valid up to 31 March 2021. Check current scheme status for updated validity.

For families who do not qualify for full PMAY benefits, or who need financing beyond the subsidy amount, a home loan provides a practical path forward. Review home loan eligibility and home loan fees and charges before applying, and use the eligibility calculator to confirm your specific loan amount.

Bajaj Finance offers home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years, with no foreclosure charges for individual borrowers and EMIs starting from just Rs. 671/lakh*. Check your eligibility today.

The Pradhan Mantri Awas Yojana continues to be a transformative scheme addressing India's housing challenges. Since 2015, 122.50 lakh urban houses have been sanctioned overall, with over 97 lakh completed — and PMAY-U 2.0 is now actively building on that foundation with the Interest Subsidy Scheme for new applicants.