The Pradhan Mantri Awas Yojana (PMAY) is a Government of India led initiative aimed at providing affordable housing to first-time homeowners. The mission, launched in 2015, promises to build a whopping 2 million fully-functional “pucca” houses by March 2022.
The ‘Housing for all’ scheme comprises of Pradhan Mantri Awas Yojana (Urban) and Pradhan Mantri Awas Yojana (Gramin). These cater to two completely different demographics – the urban poor and rural poor, respectively. Both categories can avail loan subsidies offered under the scheme, which go as low as 6.5%, for a tenure of 20 years.
Till date, the government has done a commendable job in providing affordable housing for the poor, with 2.61 lakh housing units sold in 2019 alone, and 2.5 lakh more to be sold by 2021. The Yojana currently has beneficiaries spread across 26 states and 2508 cities.
If you’re looking to apply for PMAY scheme and wondering how to fill the PM Awas Yojana form online, this blog will discuss the details of the PMAY scheme and how to apply for PMAY.
Eligibility criteria for PM Awas Yojana
The following categories are eligible to get a PMAY property-
Economic Weaker Sections (EWS) with household income of ₹3 lakhs
Lower Income Group (LIG) with a household income between ₹3 lakhs and ₹6 lakhs
Middle Income Group I (MIG I) with household income of ₹6 lakhs to ₹12 lakhs
Middle Income Group II (MIG II) with household income of ₹12 lakhs to ₹18 lakhs
Before applying for the Pradhan Mantri Awas Yojana (PMAY), it’s important to understand the eligibility criteria and rules that govern who can benefit from the scheme.
Property ownership: The applicant must not have a pucca house anywhere across the country.
Interest subsidy: The interest subsidy on home loans is available under PMAY-CLSS for purchase or construction of new houses. Also, the subsidy will vary based on the income category.
Income criteria: The four eligible categories based on the annual income of the applicant and their family members are EWS, LIG, MIG I, MIG II.
Loan amount: The loan amount approved for buying or constructing the house must be below the maximum limit defined under the scheme.
Application process: If eligible, interested candidates must only apply through authorised sources and submit all relevant documents along with the application form.
Period of validity: PMAY scheme features a set validity period and interests candidates must apply within this period to be eligible.
Property location: PMAY scheme benefits are available for properties in both urban and rural areas.
Co-ownership: Eligible married couples can apply for PMAY scheme to avail of subsidy.
Carpet area limit: The scheme defines the carpet area limit depending upon the income category. This limit must be met when buying or constructing a house.
Aadhaar linkage: All PMAY applicants and co-applicants must have a valid Aadhaar card.
In-Situ Redevelopment: This component focuses on transforming existing slum areas by providing formal housing to slum dwellers. Through the ISSR approach, the government collaborates with private developers to redevelop slum areas, offering eligible residents a grant of ₹1 lakh to provide urban slum dwellers with improved living conditions.
Affordable Housing in Partnership: Under AHP, the government partners with public and private sector entities to develop affordable housing projects. This initiative primarily targets the Economically Weaker Sections (EWS).
Construction of Beneficiary-Led Houses: The government offers financial assistance of up to ₹1.5 lakh to beneficiary-led houses to support the construction or improvement of their homes. This grant is available for beneficiaries exempted from other components including In-Situ Redevelopment, CLSS, or affordable housing in partnership.
Credit Linked Subsidy Scheme (CLSS): CLSS features interest subsidies on home loans for eligible beneficiaries, making housing finance more accessible and affordable. The government offers an interest rate subsidy of 6.50% on home loans by various financial institutions.
How to fill PM Awas Yojana form online?
Here’s a step-by-step break-down of how to fill the PMAY form –
Step 1: Login – Visit the official PMAY website – www.pmay.gov.in. Log in using your credentials.
Step 2: Choose your category – You’ll be prompted to choose between two options – ‘For slum dwellers’ and ‘Benefit under other 3 components’. Choose whichever option applies to you.
Step 3: AADHAR/ VID check – Next, applicants have to go through the AADHAR or Virtual ID (VID) existence check.
Step 4: Application filling – If the AADHAR/ VID check is successful, candidates can proceed to fill the PMAY online application form, where they’ll have to enter information regarding:
Address and Contact Details
Caste and Religious Details
Bank Details
Income Details
Housing requirement
Employment status
Details about family members
Preferred Component
Step 5: Save your progress – After filling in all details, read the disclaimer and check the box. Next, click on the ‘Save’ button.
How to apply for PMAY benefits under other 3 components online?
To understand how apply for PMAY scheme benefits under the other 3 components online, follow these steps-
Visit the official PMAY website at http://pmaymis.gov.in/
On the homepage, click on the ‘Citizen Assessment’ dropdown and choose ‘Benefits under other 3 components’.
Enter your Aadhaar card number and click on ‘Submit’
Once verified, you’ll be directed to the next page where you need to provide accurate information regarding your name, residential address, number of family members, age of the head of the family, religion, caste, contact number, and so on.
Once you have filled out all the necessary information, type the captcha code in the box and click on submit.
How slum dwellers can apply for PM Awas Yojana online
The PMAY website uses an integrated platform, which means the application process for slum dwellers is the same. While most of the steps are similar, there’s a small change-
Log on to the official PMAY website.
Under ‘Citizen Assessment’ dropdown, select ‘For Slum Dwellers’
Put in your Aadhaar Card number and click on submit.
The system will verify your information and take you to the next page where you need to enter your personal information such as name, address contact details, number of family members, age, and more to apply for the scheme.
After entering all the required information, click ‘Submit’.
How to register for PMAY offline?
If you are unable to apply for the PMAY scheme online, you can also register offline by following these steps-
Visit the Common Service Centre by the State Government
Fill in the PMAY application form.
Pay an application fee of ₹25 plus GST and submit the application form.
How to track your PMAY assessment status online
Once you have applied for the PMAY scheme, the portal makes it easy to track your application status online. Here’s how-
Visit the official website of PMAY
Navigate to the ‘Citizen Assessment’ dropdown and select ‘Track Your Assessment Status’
You will be redirected to the Track Assessment Form
Enter details like name, father’s name, mobile number, and Assessment ID.
Click on ‘Submit’
After submission, your assessment status will be available on the screen
Here is the breakdown of subsidy available under the PMAY scheme to various eligible categories based on their income-
Beneficiary
Income Group
Subsidy
Economically Weaker Section (EWS)
Up to ₹3 lakhs
6.50%
Lower Income Group (LIG)
₹3 lakhs to ₹6 lakhs
6.50%
Midde Income Group I (MIG I)
₹6 lakhs to ₹12 lakhs
4%
Middle Income Group II (MIG II)
₹12 lakhs to ₹18 lakhs
3%
Important points to remember while applying for PMAY scheme
When wondering about PMAY and how to apply, here are a few crucial pointers to ensure a smooth application process:
Start by verifying your eligibility for the scheme. You can do this online on the official website by clicking on “Check Pradhan Mantri Awas Yojana Eligibility”.
The form can be accessed either through the official Ministry website or by visiting any registered Common Service Centre (CSC) near you.
Make sure the information you provide in the form is accurate. Any mismatch or error could lead to your application getting rejected.
Have all necessary documents ready beforehand. This will save time and help you avoid last-minute hassles.
A valid Aadhaar number is mandatory to apply under PMAY.
Documents required to fill PM Awas Yojana form online
Before you begin the process of how to fill Awas Yojana form online, make sure you have the right documents ready. This will make the application smoother and help you complete the Pradhan Mantri Awas Yojana online form without delays. Here are the key documents you’ll typically need:
Having these documents on hand will help when you’re checking how to apply Awas Yojana online form, ensuring a quick and hassle-free submission.
Common mistakes to avoid while filling PMAY online form
When figuring out how to fill Pradhan Mantri Awas Yojana form online, it’s easy to rush through the steps and miss important details. These small mistakes can lead to delays, rejections, or the need to resubmit the form. Here are some common errors you should avoid:
Incorrect personal information: Spelling mistakes in your name, wrong Aadhaar number, or mismatched details across documents can cause verification issues.
Submitting outdated or mismatched documents: Make sure your identity proof, income proof, and address proof are all current and carry the same information.
Poor-quality document uploads: Blurry photos, cropped images, or unreadable scans often lead to rejection. Always double-check clarity before uploading.
Skipping mandatory fields: Even if something feels irrelevant, leaving required fields empty can stop your form from being processed.
Using unofficial portals: Many applicants accidentally apply on third-party websites. Always fill the PMAY form only on the official government portal.
Ignoring eligibility criteria: Not checking income categories or requirement details can result in submitting a form you don’t qualify for.
Not reviewing the application: A quick review at the end helps catch errors and ensures all information is accurate.
Conclusion
Now that you have the information you need on PMAY eligibility and the application process, you may be looking for looking affordable home loans. At Tata Capital, we’ve got your back. Apply for easy home loans at Tata Capital, available at competitive rates of interest. You can also explore options through our user-friendly home loan app. For more details, get in touch with us today.
PMAY (Urban) is a government housing scheme aimed at providing affordable pucca houses in urban regions through interest subsidies.
How to apply for Pradhan Mantri Awas Yojana?
You can apply online at pmaymis.gov.in or offline through registered Common Service Centres by filling out the PMAY application form with necessary documents.
What is the PMAY scheme's maximum duration?
The maximum tenure under the PMAY scheme is 20 years.
What is the deadline for the PMAY MIG?
The deadline for PMAY MIG category ended on December 31, 2024.
Which PMAY income group do I belong to if my family’s annual income is Rs.2 lakh?
Applicants with an annual family income of ₹2 lakh fall under the Economically Weaker Section (EWS) category as per PMAY guidelines.
Can I purchase a plot of land with a PMAY subsidy?
No, PMAY subsidy is not applicable for buying land alone. It is only available for home construction, enhancement, or purchase of residential properties.
If I already own a house, can I still apply for PMAY?
PMAY scheme is aimed at making home ownership accessible and affordable. Both first-time buyers and existing home owners can apply, given they are eligible for the scheme.
Can existing homes be repaired or renovated using PMAY?
Yes, under the Credit Linked Subsidy Scheme (CLSS) component of PMAY, beneficiaries can receive assistance for repair and renovation of their existing homes.
How much subsidy can I get through Pradhan Mantri Awas Yojana?
The amount of subsidy you are eligible for under Pradhan Mantri Awas Yojna depends on the type of house you wish to buy or build and your income group as per the scheme.
How will beneficiaries receive the Central Assistance for building their houses?
Beneficiaries can receive the Central Assistance for building their houses directly into their bank accounts, on the advice of the State or UT.
Can I edit the PMAY online application form?
No, you cannot edit the PMAY application form once submitted. In case of any discrepancies, you can contact the PMAY helpline or visit the regional office.
Is there any registration fee required for the scheme?
As per the official guidelines, there is no registration fee applicable on the scheme.
Can I apply for the PMAY scheme twice?
No, you can apply only once under PMAY as your bank account is linked to your Aadhaar Card.
How is PMAY classified based on the demographic area?
The PMAY is classified into two categories based on the demographic- PMAY-U (Pradhan Mantri Awas Yojna- Urban) and PMAY-G (Pradhan Mantri Awas Yojna- Gramin)
03 July 2026
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