For individuals wishing to build a permanent home under the Pradhan Mantri Awas Yojana, there is good news. Survey work for Pradhan Mantri Awas Yojana Gramin (PMAY-G) has resumed in rural areas to identify houseless or kutcha house families, with verification progressing in districts before final lists form.
Eligible rural households receive ₹1.2 lakh (plain areas) or ₹1.3 lakh (hilly) via DBT for pucca homes of 25 sqm minimum, including amenities. You can apply offline at gram panchayat, block office, or CSC with Aadhaar, bank details, MGNREGA card, BPL proof, and self-declaration of no pucca house. No central online form; officials verify, upload to AwaasSoft for approval. Use Awaas+ app for self-survey in supported areas.
PM Awas Yojana Online Registration 2026
Pradhan Mantri Awas Yojana (PMAY), launched in 2015, targets affordable housing for urban poor, EWS (income up to ₹3 lakh), LIG (₹3-6 lakh), and MIG (₹6-18 lakh) through subsidies up to ₹2.5 lakh via credit-linked subsidy on home loans. The scheme splits into PMAY-Urban (pmay-urban.gov.in) for cities and PMAY-Gramin (pmayg.nic.in) for rural areas, emphasizing pucca homes for homeless or kutcha dwellers.
Access pmaymis.gov.in (urban) or pmayg.nic.in (rural), select “Citizen Assessment” or “AwaasSoft,” enter Aadhaar for OTP, provide name, income, bank, address, and captcha. Rural applications primarily offline via panchayat/CSC; track via beneficiary search by state/district/village. Submit digitally or print form for officials.
Pradhan Mantri Awas Yojana 2026 Overview
| Scheme Name | PM Awas Yojana |
| Under Ministry | Ministry of Housing and Urban Affairs |
| Launch Date | June 25, 2015 |
| Objective | Pucca houses for all EWS/LIG/MIG, slum dwellers by 2022 (extended) |
| Components | PMAY-Urban (cities), PMAY-Gramin (rural) |
| Urban Assistance | Interest subsidy 3-6.5% on loans up to ₹12 lakh |
| Rural Assistance | ₹1.2 lakh (plain)/₹1.3 lakh (hilly) DBT installments |
| Target Reach | 1.12 crore+ urban houses; ongoing rural surveys |
| Category | Sarkari Yojana |
| Official Websites | http://pmay-urban.gov.in/ |
Understanding Pradhan Mantri Awas Yojana (PMAY)
Pradhan Mantri Awas Yojana (PMAY) divides into PMAY-Urban (PMAY-U) for urban poor in cities/slums and PMAY-Gramin (PMAY-G) for rural houseless/kutcha dwellers, both offering financial aid for pucca homes. PMAY-U provides interest subsidies on home loans, while PMAY-G delivers direct cash installments via DBT.
PMAY-Urban Details
Targets EWS/LIG/MIG in statutory towns via four verticals: In-situ Slum Redevelopment, Credit Linked Subsidy Scheme (CLSS), Affordable Housing in Partnership, and Beneficiary-Led Construction. Subsidies range 3-6.5% on loans up to ₹12 lakh, max carpet area 30-200 sqm based on income. Apply online at pmay-urban.gov.in with Aadhaar verification.
PMAY-Gramin Details
Focuses on rural BPL/SC/ST/widows/disabled via gram sabha-verified surveys using SECC 2011 data, providing ₹1.2 lakh (plain) or ₹1.3 lakh (hilly) in three DBT installments for 25 sqm homes with toilets. No loan subsidies; exclusions for tax payers or luxury asset owners. Applications via panchayat/CSC, track on pmayg.nic.in.
Eligibility Criteria for PMAY 2026
Pradhan Mantri Awas Yojana (PMAY) eligibility requires applicants to be Indian citizens without a pucca house anywhere in India, not previously benefited from central housing schemes, and falling under specified income groups. Priority extends to women-headed households, SC/ST/OBC, minorities, disabled persons, transgender individuals, and slum dwellers.
- No ownership of pucca/kutcha house in family name.
- Family income matching EWS/LIG/MIG categories.
- Age 18+; not income tax payer or high earner (over ₹18 lakh annually disqualifies).
Income Categories
| Category | Annual Income (₹) | Max Carpet Area | Interest Subsidy (%) | Max Loan Amount (₹) |
|---|---|---|---|---|
| EWS | Up to 3 lakh | 30 sqm | Up to 6.5 | 6 lakh |
| LIG | 3-6 lakh | 60 sqm | Up to 6.5 | 6 lakh |
| MIG-I | 6-12 lakh | 160 sqm | Up to 4 | 9 lakh |
| MIG-II | 12-18 lakh | 200 sqm | Up to 3 | 12 lakh |
Exclusions
Families with government employees, income >₹10,000 monthly per member (rural), owning luxury items like AC/large vehicles, or sufficient irrigated land (over 2.5 acres) do not qualify. Verify eligibility online via pmay-urban.gov.in or pmayg.nic.in using Aadhaar and location.
Required Documents for PMAY Application
Applicants for Pradhan Mantri Awas Yojana (PMAY) must submit identity, address, income, and financial proofs during online/offline applications to verify eligibility and process subsidies. Documents vary slightly by urban/rural but overlap significantly; originals and self-attested copies required.
- Aadhaar card
- PAN card or Voter ID for identity proof
- Proof of income (salary slips, IT return statements)
- Proof of property ownership (if applicable)
- Bank statements
- Certificate of Economically Weaker Section or Low Income Group
How to Apply Online for PMAY 2026
- Visit pmaymis.gov.in or pmay-urban.gov.in, select “Citizen Assessment” under PMAY-U 2.0.
- Enter Aadhaar number, receive OTP on registered mobile, input captcha.
- Fill form: personal details (name, DOB, gender), income category (EWS/LIG/MIG), bank account, address, employment type.
- Upload scanned documents (Aadhaar, income proof, bank passbook), submit self-declaration of no pucca house.
- Receive application ID; print form for bank loan (CLSS) or further verification.
PM Awas Yojana Last Date
The application and completion deadline for the Pradhan Mantri Awas Yojana (PMAY) has been extended for eligible beneficiaries.
- The completion deadline for houses sanctioned under PMAY-Urban (PMAY-U) up to March 31, 2022, is extended until January 2026.
- The overall PMAY-Gramin (PMAY-G) scheme duration has been extended to March 31, 2026, with a target for additional houses to be built by March 2029.
FAQ’s
What is Pradhan Mantri Awas Yojana (PMAY)?
PMAY provides affordable housing to EWS, LIG, MIG, and rural poor through subsidies and direct aid for pucca homes in urban and rural areas.
Who is eligible for PMAY?
Applicants without pucca houses, family income up to ₹18 lakh (urban) or BPL/rural priorities (SC/ST/widows), excluding tax payers or govt employees.
How to apply online?
Visit pmaymis.gov.in (urban) or pmayg.nic.in (rural tracking); enter Aadhaar, fill details, upload documents for urban; rural via panchayat/CSC.
What is the last date to apply?
January 2026 is the last date to apply.
