PMAY (Pradhan Mantri Awas Yojana) Eligibility 2025

1. Authorities have approved PMAY for two lakh eligible beneficiaries.
2. Officials have selected eligible beneficiaries of the scheme from all districts. 
3. The first installment of Rs.30,000 has been distributed for housing construction 
4. The government has allocated the first installment of Rs. 550 for rural development.
5. Funding of four installment will be provided under this scheme 
6. Each beneficiary will be provided with a total grant of Rs.2 lakh 

Pradhan Mantri Awas Yojana Eligibility Criteria

Below are the eligibility criteria applicants must meet to opt for the PMAY scheme:

1. The beneficiary’s family must not have availed the PMAY-CLSS subsidy. 
2. The beneficiary’s family must not have availed central assistance under the housing scheme. 
3. The family of the beneficiary and the beneficiary should not be the owner of a pucca house across the country.

To avail a house or financial assistance from the government, every applicant must meet the eligibility criteria set by the PMAY committee. Prospective applicants have been branched into six distinct groups

1. Economically Weaker Section (EWS):  
2. Annual household income should be up to Rs.3 lakh 
3. Family members of the house of the applicant should not own a pucca houses 
4. Applicants must provide income proof, residential proof, and identity proof to apply for the scheme.
5. Light Income Group (LIG):   
6. Annual household income ranges between Rs.3 lakh and Rs.6 lakh 
7. Family members of the applicant should not have any pucca house 
8. Applicants need to submit identity proof, income proof, and residential proof. 
9. Medium Income Group (MIG1):   
10. The annual household income ranges between Rs.6 lakh and Rs.12 lakh 
11. Family members of the applicant should not have any pucca house 
12. Beneficiaries can avail themselves of loan subsidy of 4.00% on loan amount of up to Rs.9 lakh 
13. The loan tenure under this scheme is 20 years 
14. Medium Income Group (MIG2): 
15. Annual household earning ranges between Rs.12 lakh to Rs.18 lakh 
16. The family member of the applicant should not have any pucca house 
17. Maximum loan subsidy available is 3.00% for loan amount up to Rs.12 lakh 
18. Loan tenure under this scheme is 20 years 
19. Under Census 2011, statutory towns and towns notified can avail coverage under this scheme 
20. Applicants must complete the extension or construction of the house within 36 months from the disbursement of the first installment to avail the loan. 
21. The house constructed should be in the name of the female head or in the joint name with the male head of the family and his wife 

Note: If there is no female head of the family, then the house can be registered in the name of the male head of the family. 

Pradhan Mantri Awas Yojana Loan Eligibility for MIG

Pradhan Mantri Awas Yojana Loan Eligibility for LIG/EWS Category

PMAY, while being a populist scheme, is also a progressive one as it helps millions of urban poor in the country own a house, they can call their own. This scheme, upon completion, will serve as a great model for other developing countries to follow.

PMAY Eligibility Criteria Based on Income and Carpet Area 

Below is the list of carpet areas along with the corresponding income groups, which determine eligibility for PMAY.

Documents Required for PMAY

Below are the documents applicants must submit to opt for the PMAY scheme:

1. Consent form. 

1. MIG/LIG category proof. 

1. Proof of income proof with affidavit. 

1. Proof that a pucca house is not owned. 

1. Passport-sized photographs (two). 

1. Application form that is completely filled. 

1. Proof of minorities. 

1. SC/ST/OBC proof. 

1. Bank account details. 

1. Property details. 

1. Proof of income. 

1. Proof of address. 

1. Proof of identity. 

PMAY Customer Care Helpline Numbers 

The following is the list of toll-free helpline numbers where beneficiaries can reach out for queries related to PMAY. For any assistance, feel free to contact these numbers.

1. Urban, HUDCO: 1800-11-6163 
2. Gramin: 1800-11-6446 
3. Urban,NHB: 1800-11-3388 
4. Urban,NHB: 1800-11-3377 

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