What is Pradhan Mantri Awas Yojana (PMAY)?
The Pradhan Mantri Awas Yojana (PMAY) is a credit-linked subsidy scheme through which the central government, in collaboration with state governments, provides affordable housing for India’s low- and moderate-income residents.
The central government has set a target to construct 3 crore houses under PMAY by 2029, with 2 crore allocated for PMAY-Gramin and 1 crore for PMAY-Urban 2.0.
Objective of PMAY
The key objective of this scheme is to provide financial assistance to economically weaker rural and urban families, enabling them to build, purchase, or upgrade their homes. According to official data, more than 92.61 lakh houses have been completed under the scheme so far.
Overview of PMAY
PMAY is divided into two main categories:
- PMAY-Urban (PMAY-U): Focuses on urban areas, helping citizens in cities who do not own pucca houses.
- PMAY-Gramin (PMAY-G): Aimed at rural households, helping families living in dilapidated houses or without any form of shelter.
Eligibility Criteria
The scheme’s eligibility varies based on income and housing status:
PMAY-Urban (PMAY-U)
- EWS: Annual income up to ₹3 lakh.
- LIG: Annual income between ₹3 lakh and ₹6 lakh.
- MIG-I: Annual income between ₹6 lakh and ₹9 lakh.
- MIG-II: Annual income between ₹9 lakh and ₹18 lakh (for credit-linked subsidies).
- Slum Dwellers: Residents of informal settlements.
PMAY-Gramin (PMAY-G)
- Priority is given to rural households without any permanent dwelling and those living in kutcha (temporary) houses.
- Households owning assets like large landholdings or vehicles are not eligible.
How to Apply for PMAY?
The application process for PMAY is simple but requires certain documents to be submitted.
For PMAY-Urban:
- Visit the official PMAY-U portal.
- Check eligibility by entering basic personal information (Aadhaar, income, etc.).
- Submit necessary documents like Aadhaar, income proof, land ownership papers, and bank account details.
For PMAY-Gramin:
- Visit the official PMAY-G portal.
- Provide your personal information and self-declaration forms.
- The application will be processed by local authorities after submission.
Documents Required For PMAY
For PMAY-U:
- Aadhaar card (self and family members)
- Bank account details linked to Aadhaar
- Proof of income
- Land/property ownership documents (if applicable)
For PMAY-G:
- Aadhaar card
- MGNREGA job card
- Bank account details
- SBM (Swachh Bharat Mission) number
- Self-declaration affidavit of not owning a pucca house
How To Check PMAY Application Status
Whether you’ve applied for PMAY-Urban (PMAY-U) or PMAY-Gramin (PMAY-G), you can check your application status online at your own convenience. Here’s the process on how to do that.
Check PMAY-Urban (PMAY-U) Application Status
Applicants under the PMAY-Urban scheme can track their application using various methods on the official portals.
Option 1: Track PMAY-U Status via PMAYUCLAP Portal
If you applied for a housing subsidy under PMAY-Urban, you can check your status through the PMAYUCLAP website using different identification methods.
Ways to Track on PMAYUCLAP:
- By Aadhaar Number
- By PMAY Application ID
- By Registered Mobile Number
- By Father’s Name and ID Type
- By Assessment ID
- Via Toll-Free Number
- Via Local Authority
PMAYUCLAP Status Check by Aadhaar:
- Visit the PMAYUCLAP website.
- Select ‘Search Beneficiary’ from the main menu.
- Click on ‘Search by Name’ and enter your Aadhaar number.
- Your application details and status will appear on the screen.
PMAYUCLAP Status Check by Father’s Name:
- Choose ‘By Name, Father’s Name, and ID Type’.
- Enter:
- State, City, and District
- Father’s Name
- ID Type (Aadhaar, Driving License, Passport, etc.)
- Registered Mobile Number
- State, City, and District
- Click ‘Submit’ to view the application status.
Option 2: Track PMAY-U Status on PMAY-U Portal
You can also track your application directly on the PMAY-U portal using the following methods:
Using Beneficiary Code or Application Number
- Visit PMAY-U Tracking Page.
- Select ‘Beneficiary Code/Application Number’.
- Enter the code/number and captcha.
- Click ‘Show’ to see your status.
Using Aadhaar Number
- On the same page, select ‘Name as per Aadhaar and Aadhaar Number’.
- Enter your Aadhaar Number, Name as per Aadhaar, and Captcha.
- Click ‘Show’ to view your status.
Using Mobile Number and Name
- Select ‘Mobile Number and Name as per Aadhaar’.
- Enter your Mobile Number, Name as per Aadhaar, and Date of Birth.
- Enter the Captcha and click ‘Show’.
Option 3: Check Status via Local Authority or Toll-Free Number
- You can contact your local municipal office to check your status in person.
- You can also call the PMAY-U toll-free helpline for real-time updates.
Check PMAY-Gramin (PMAY-G) Application Status
If you have applied under PMAY-Gramin (PMAY-G), which is the rural housing scheme, the status tracking is done through a different portal.
Option 1: Track Status Using Registration Number
- Visit the official PMAY-Gramin website: pmayg.nic.in.
- Go to ‘Stakeholders’ > ‘IAY/PMAYG Beneficiary’.
- Enter your Registration Number.
- Click ‘Submit’ to view your housing application status.
Option 2: Track Status Without Registration Number (Advanced Search)
If you don’t have your registration number:
- Select the ‘Advanced Search’ option on the same website.
- Enter:
- State, District, Block, Panchayat
- Your Full Name
- State, District, Block, Panchayat
- Click ‘Submit’ to see the list of beneficiaries and find your application details.
Benefits and Subsidies Provided Under PMAY
For PMAY-U (Urban Population):
- In-Situ Slum Redevelopment: Beneficiaries in slum areas receive up to Rs 1 lakh in subsidies.
- Beneficiary-led Individual House Construction/Enhancement:
- EWS households can receive up to Rs 1.5 lakh in subsidies.
- EWS beneficiaries can build a pucca house with a maximum carpet area of 30 sqm.
- LIG beneficiaries can construct houses with up to 60 sqm carpet area.
- MIG-I category beneficiaries can build houses up to 160 sqm.
- MIG-II category beneficiaries can build houses up to 200 sqm.
- Home Loans with Interest Subsidy: Beneficiaries can avail home loans with interest subsidies ranging from 3% to 6.5%, depending on the loan amount.
- Affordable Rental Housing: Migrant beneficiaries from EWS and LIG categories are eligible for rental housing under the “Affordable Rental Housing Complexes” scheme, offering affordable rental options.
For PMAY-G (Gramin/Rural Population):
- Financial Assistance: Beneficiaries in rural areas, including plains, hilly regions, North-eastern, and Himalayan states, receive over Rs 1 lakh in subsidies for house construction.
- Employment Opportunities: Beneficiaries are provided with 100 days of employment under the Mahatma Gandhi National Rural Employment Guarantee Act (MG NREGA), earning up to Rs 18,000.
- House Construction Standards: Beneficiaries can build a pucca house with a minimum size of 25 sqm, including proper cooking space.
- LPG Connection: Beneficiaries receive one LPG connection through the Pradhan Mantri Ujjwala Yojana.
How Long Does the PMAY Application Process Take?
Once the application is submitted, it generally takes around 3 to 4 months for the application to be processed and accepted.
PMAY Subsidy Processing & Tracking Stages
PMAY applications go through several stages before the subsidy is processed and released:
- Application ID Generation.
- Due Diligence by PLI (Primary Lending Institution).
- Claim uploaded on Central Nodal Agency Portal.
- Subsidy claim approval.
- Subsidy released to PLI.
Applicants can track the status of their subsidy at each stage via the PMAY UCLAP portal.
What is The Last Date For The Application Process
The government has extended the deadline to apply for the Pradhan Mantri Awas Yojana (PMAY) till December 2025, giving eligible urban and rural households additional time to register for affordable housing support.