Pradhan Mantri Awas Yojana List 2025

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 31^st 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 Finserv with competitive interest rates starting from 7.45%* 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 Finserv, 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.

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.

Here’s how eligibility for PMAY-Urban and PMAY-Gramin is defined:

PMAY-Urban

• EWS households: Annual income up to Rs. 3 lakh with no pucca house.

• LIG households: Income between Rs. 3 lakh and Rs. 6 lakh, no pucca house.

• MIG households: Income up to Rs. 9 lakh, no pucca house.

• Urban slum dwellers are also eligible.

PMAY-Gramin

• Families living in kutcha houses with one or two rooms or with no shelter are eligible based on SECC 2011 data.

• The following types of households are excluded:

  • Owning a pucca house.

  • Owning motorised vehicles (2-wheelers, 3-wheelers, or 4-wheelers).

  • Possessing mechanised farm tools.

  • Holding a Kisan Credit Card with a limit of Rs. 50,000 or more.

  • Any government employee in the family.

  • Owning registered non-agricultural businesses.

  • Paying income or professional tax.

  • Owning a refrigerator, landline phone, or having:

  • 2.5 acres or more of irrigated land.

  • 5 acres or more of unirrigated land.

  • 7.5 acres or more with irrigation tools for 2 or more crops.

Beneficiaries under Pradhan Mantri Awas Yojana

Under PMAY-Urban, beneficiaries include:

• Workers in unorganised sectors like rickshaw pullers, street vendors, daily wage workers, and migrants in EWS/LIG income groups.

• Women, Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), and minority groups from EWS/LIG categories.

Under PMAY-Gramin, the beneficiaries are:

• SC/ST families without proper housing.

• Households without shelter.

• Manual scavengers.

• Members of primitive tribal groups.

• Bonded labourers who have been officially freed.

Beneficiary selection under PMAY-G

The PMAY-Gramin scheme is built to provide proper homes to rural families without a pucca house. The process of selecting beneficiaries follows a structured approach:

• The government uses Socio-Economic and Caste Census (SECC) 2011 data to identify families living in kutcha houses or with no shelter.

• The Gram Sabha in each village verifies the list to ensure it is accurate and fair.

• Beneficiaries are selected based on need and eligibility, and names are finalised through community discussion to maintain transparency and fairness.
   

PMAY list 2025 key highlights

Check your name in the PMAY list

Check for your name in the PMAY Urban list by following these steps:

• Visit the official website of the Ministry of Housing and Urban Affairs

• Click on the ‘Select Beneficiary’ option

• From the drop-down menu, choose the ‘Search by Name’ option

• Enter the first 3 characters of your name and click on ‘Show’

The PMAY list is accessible to both categories, urban and rural. Those under the PMAY Gramin (rural) category receive registration numbers on applying successfully. This registration number is needed while checking the PMAY G list.

Additional read: Indira Awas Yojana IAY

Check PM Awas Yojana Gramin list

• Visit the official website of PMAY-Gramin

• Provide your registration number accurately and click on ‘Submit’

• You can also check the beneficiary list without the registration number. Here are the steps to follow:

• Visit the official website of PMAY-Gramin

• Ignore the registration number tab and click on the ‘Advanced Search’ button

• Fill up the form that appears with correct details

• Proceed with the ‘Search’ option

All the relevant details will appear if your name is present on the PMAY Gramin list.
 

Check PM Awas Yojana Urban list

However if you already registered and fall under the rural category, you can follow the below steps.

• Visit the official website of PMAY-Gramin.

• Provide your registration number accurately and click on ‘Submit’.

• Provide the first three characters of your name

• Click on the button ‘Show’, and the PM Awas Yojana list will appear.

Look for your name along with other relevant details on the PMAY list-Urban. These beneficiary charts are updated from time to time. So, do check the latest PMAY list 2025.
 

Features of the Pradhan Mantri Awas Yojana

To know more about the features of the Pradhan Mantri Awas Yojana, read on. The features of PMAY are as follows:

• Beneficiaries can receive an interest subsidy of up to 6.5% on their housing loans, with a tenor ranging up to 40 years

• The subsidy amount varies from one income group to the other

• Houses constructed under this scheme will utilize only eco-friendly and sustainable material/ technology

• Senior citizens and differently-abled individuals will be given preference when allocating ground floor accommodation

• The scheme will facilitate applicants to secure housing across any of 4,041 statutory towns

While PMAY offers excellent benefits for eligible families, those who do not qualify still have access to competitive home financing options in the market. Check your home loan offers with Bajaj Finserv, featuring no foreclosure charges for individual borrowers and EMIs starting from just Rs. 677/lakh*. You may already be eligible, find out by entering your mobile number and OTP.

Eligibility criteria for the CLSS component

Those applying for the PMAY CLSS scheme, which offers interest subsidies on home loans, must meet the following criteria to qualify.

For LIG/ EWS category:

• The beneficiary family must comprise husband, wife, unmarried daughters, or unmarried sons.
• An annual income of a household must be within Rs. 3 lakhs and Rs. 6 lakhs.
• The property must be co-owned by a female member of the family.

These beneficiaries are eligible to get an interest subsidy of 6.50%*.

For MIG I & MIG II categories:

• The yearly income of the household must be between Rs. 6 lakhs and Rs. 12 lakhs for MIG I, and Rs. 12 and Rs. 18 lakhs for MIG II.
• A female co-owner of the property is desirable.
• In the case of an adult earning member, whether married or unmarried, it should be considered as a separate household.

Eligible candidates under MIG I can get a subsidy of 4.0%, while those under MIG II can get a 3.0% subsidy.

Disclaimer

PMAY subsidy scheme for MIG I & II category is not extended by regulatory. Category wise scheme validity is mentioned below:

1. EWS & LIG category is valid up to 31st March 2022\
2. MIG I & MIG II category was valid up to 31st March 2021

PMAY list of states and union territories

Below is a list of states and union territories under PMAY:

The Pradhan Mantri Awas Yojana – Gramin (PMAY-G) has laid out a detailed and inclusive framework for identifying, supporting, and empowering beneficiaries. These families are selected based on specific deprivation criteria to ensure that the most vulnerable households get access to pucca homes with essential facilities.

1.Identification of beneficiaries

Eligible beneficiaries are chosen using the Socio-Economic and Caste Census (SECC) 2011, which highlights housing needs in rural India. The focus is on families without any shelter or those living in kutcha houses made of non-permanent materials such as mud, straw, or bamboo.
Verification of the shortlisted families is carried out by the Gram Sabha, which confirms the list to ensure fairness and accuracy at the village level.

2. Prioritisation criteria

The selection gives top priority to:

• Families without any shelter

• Those living in one or two-room kutcha houses
  Socially disadvantaged groups such as SC, ST, minorities, and women-led households are prioritised. Families fulfilling the “automatically included” category — such as those with no working-age adult, widows, or disabled members — are also preferred.

3. Loan facility

Apart from government funding, beneficiaries are offered the option to take loans up to Rs. 70,000 to cover any extra cost during house construction. The loan process is made easier through coordination with State Level Bankers’ Committees (SLBC) and District Level Bankers’ Committees (DLBC).

4. Support for vulnerable groups

PMAY-G includes special attention for vulnerable individuals, such as:

• People with disabilities

• Widows

• Elderly citizens
  The scheme ensures that at least 5% of homes go to households with disabled members, especially women with recognised disabilities.

5. House ownership and gender empowerment

In most cases, homes are registered in the name of the female head of the family or jointly with the male spouse. This is a deliberate move to promote gender equality and empower rural women by offering them legal property rights and security.

6. Technical and financial support

Financial aid is provided to support house construction:

• Rs. 1.20 lakh for homes in plains

• Rs. 1.30 lakh for hilly or difficult areas
  This support is given in three or more stages, depending on construction progress. All payments are made directly into the beneficiary’s bank account via Direct Benefit Transfer (DBT), reducing delays and corruption.
  Additionally, technical guidance is made available to help beneficiaries build strong and safe houses.

How are beneficiaries chosen for Pradhan Mantri Awas Yojana 2025?

PMAY follows a demand-based model, where state authorities carry out surveys to identify families who qualify for the scheme. This helps create a reliable and updated list of beneficiaries.

After eligibility is confirmed, priority is given to:

• Families without any shelter

• Households living in kutcha homes with fewer rooms

• To ensure fairness, a deprivation score is calculated using these social indicators:

• No adult aged 16–59 in the household

• Households headed by women with no adult male

• No literate person above age 25 in the family

• Households with a disabled member and no able-bodied adult

• Landless households that rely on casual manual work

This method ensures that help reaches the neediest families first.

Who are not eligible for housing units under PMAY Grahmin 2025?

As per a government directive issued on 12 August 2024, a fresh set of exclusion criteria has been adopted to filter out ineligible rural households from PMAY-G.

The following conditions disqualify a household:

• Owning a motorised three or four-wheeler

• Owning mechanised agricultural equipment (three or four-wheeled)

• Having a Kisan Credit Card with a limit of Rs. 50,000 or more

• Any member of the household working in government service

• Households owning registered non-agricultural businesses

• Monthly family income exceeding Rs. 15,000

• Paying income tax or professional tax

• Possessing a refrigerator or landline telephone

• Owning:

  • 2.5 acres or more of irrigated land

  • 5 acres or more of unirrigated land

These exclusions are meant to ensure that only truly deserving and economically disadvantaged families benefit from the housing assistance offered under PMAY-G.

Conclusion

The Pradhan Mantri Awas Yojana continues to be a transformative scheme that addresses India's housing challenges by providing affordable homes to economically weaker sections. With over 3.34 crore houses sanctioned and 2.69 crore completed under PMAY-U, the scheme has made significant progress towards its goal of housing for all. The structured eligibility criteria, transparent beneficiary selection process, and comprehensive support system ensure that assistance reaches the most deserving families. Whether through direct construction support, interest subsidies, or coordination with other welfare programmes, PMAY has created a robust framework for sustainable housing development across urban and rural India.

For families who do not qualify for PMAY benefits but still aspire to own a home, private financing remains a viable path to homeownership. Check your eligibility for a home loan from Bajaj Finserv with features like balance transfer facility, top-up loans up to Rs. 1 crore, and approval within 48 hours*. You may already be eligible, find out by entering your mobile number and OTP.