Get the Tata Capital App to apply for Loans & manage your account. Download Now

Blogs

SUPPORT

Menu  
 
Apply Now
Apply Now

Tata Capital > Blog > Loan for Home > Difference between PMAY Gramin and PMAY Urban

Loan for Home

Difference between PMAY Gramin and PMAY Urban

Difference between PMAY Gramin and PMAY Urban

On June 1, 2015, the Government of India launched its flagship housing project – the Pradhan Mantri Awas Yojana (PMAY). With an aim to provide affordable housing for all by 2022, the scheme emphasizes on providing low-cost pucca homes to the poor in both urban and rural areas. Basic amenities such as water supply, proper sanitation and electricity are also to be provided.

For streamlining purposes, the scheme is divided into two components –

  • Pradhan Mantri Awas Yojana Urban/PMAY Urban/PMAYU
  • Pradhan Mantri Awas Yojana Gramin/PMAY Gramin/PMAYG

What is PMAY Urban (PMAY-U)?

To address the housing requirements of all the different beneficiaries, PMAYU operates in 4 verticals-

1. In-Situ Slum Redevelopment

Redeveloping slums irrespective of the land on which it exists. The land could be privately owned or it could be owned by the Central Government, State Government or Urban Local Bodies (ULB)

2. Credit Linked Subsidy Schemes (CLSS)

Manual scavengers, women, people with disabilities, transgenders and people belonging to SC, ST, OBC categories and minorities get preference under this scheme.

3. Affordable Housing in Partnership with Private & Public Sectors

Financial assistance of Rs 1.5 lakhs is provided to each house built for people in Economically Weaker Sections (EWS)

4. Beneficiary-Led Individual House Construction/Enhancement

Individuals belonging to EWS get guidance to either construct a new house or restructure an existing one.

PMAY Urban Eligibility Criteria

CategoryIncomeMaximum Interest Subsidy ProvidedMaximum Loan Amount
Economically Weaker Sections (EWS)Less than 3 Lakhs6.5%6 Lakhs
Lower Income Group (LIG)3 Lakhs – 6 Lakhs6.5%6 Lakhs
Middle Income Group – I (MIG – I)6 Lakhs – 12 Lakhs4%9 Lakhs
Middle Income Group – II (MIG – II)12 Lakhs – 18 Lakhs3%12 Lakhs

What is PMAY Gramin (PMAY-G)?

PMAY Gramin Benefits & Features

Features of PMAYG –

  • Funds are transferred electronically to the Bank or Post Office account of the beneficiary.
  • Solid and liquid wastes generated by the households are managed under PMAY-G.
  • National Rural Drinking Water Programme (NRDWP) provides drinking water to households under PMAY-G.
  • Beneficiaries also receive good quality cooking fuel.
  • The total estimated expenditure of PMAY-G is Rs. 60,000 crores.

PMAY Gramin Eligibility Criteria

Beneficiaries for the Pradhan Mantri Gramin Awas Yojana are chosen by the Gram Sabha based on the data collected in the Socio-Economic and Caste Census of 2011 (SECC 2011). If the applicant’s name is mentioned in the list issued by the Gram Sabha, then he/she is eligible for assistance of 1.2 Lakhs for houses in the plains and 1.3 Lakhs for houses located in areas that are difficult to access.

PMAY Gramin and PMAY Urban may be two separate schemes, but they serve a common purpose. The primary reason for the bifurcation of the Pradhan Mantri Awas Yojana is to ensure that the two different administrations can pay complete attention and concentrate on their respective regions and the associated duties.

You can visit the Tata Capital website to check your PMAY eligibility or to apply for a home loan. With attractive home loan interest rates, minimal documentation, and years of experience, Tata Capital makes getting a home loan easy and hassle-free.

Key Differences Between PMAY Urban and PMAY Gramin 

Understanding the difference between PMAY Urban and Gramin is crucial for identifying which housing scheme applies to you. 

Basis of DifferencePMAY UrbanPMAY Gramin (PMAY-G)
Target AreaCities and urban areasRural areas and villages
What is the schemeProvides affordable housing through credit-linked subsidies, in-situ slum redevelopment, and beneficiary-led constructionWhat is PMAY G scheme: Provides pucca houses with basic amenities to homeless and kutcha house owners
Eligibility CriteriaBased on annual household income (EWS, LIG, MIG categories)PMAY Gramin eligibility: Landless families, SC/ST households, families with disabled/female heads, zero-land ownership
Financial AssistanceInterest subsidy up to Rs. 2.67 lakh on home loansPMAY Gramin benefits: Rs. 1.20 lakh (plains), Rs.1.30 lakh (hilly/difficult areas)

How to Apply for PMAY Gramin: Step-by-Step Guide

So now that we know what is PMAY, here’s how to apply PMAY Gramin, clearly and step by step. The PMAY-G scheme follows an offline, verification-based process, which is one key difference between PMAY Urban and Gramin.

Step 1: Check PMAY Gramin eligibility: Ensure the household lives in a rural area, does not own a pucca house, and is listed in the SECC 2011 database.

Step 2: Visit the Gram Panchayat: Approach your local Gram Panchayat or village officer to confirm your name in the PMAY Gramin beneficiary list.

Step 3: Field verification: Officials conduct a physical verification of housing conditions and documents.

Step 4: Approval and sanction: Once verified, the application is approved under the PMAY-G scheme.

Step 5: Receive benefits: Funds are released in instalments directly to the bank account, covering major PMAY Gramin benefits like home construction support and basic amenities.

Conclusion

Understanding the difference between PMAY Urban and Gramin makes it easier to grasp what is PMAY, assess PMAY Gramin eligibility, and benefit from the PMAY-G scheme. With clear pathways on how to apply PMAY Gramin and well-defined PMAY Gramin benefits, the scheme has played a crucial role in reshaping India’s housing story. 

If you’re planning to build or upgrade your home beyond the scheme’s support, a Tata Capital Home Loan can offer flexible financing and competitive interest rates, making your journey to homeownership smoother and more secure. Visit the Tata Capital website to learn more. 

Apply For House Loan

Say Hello to Your New Home with Our Easy Home Loans!

Apply now
Popular Searches
PMAY Calculator Home Loan for Government Employee Home Loan for Self Employed Home Loan for Women Home Loan Balance Transfer with Top Up Area Calculator Stamp Duty Calculator Home Loan Top Up Approved Housing Projects in India 12 Lakh Home Loan 15 Lakh Home Loan 25 Lakh Home Loan 30 Lakh Home Loan 35 Lakh Home Loan 40 Lakh Home Loan 45 Lakh Home Loan 60 Lakh Home Loan 65 Lakh Home Loan 70 Lakh Home Loan 75 Lakh Home Loan 80 Lakh Home Loan 85 Lakh Home Loan 90 Lakh Home Loan 1.5 Crore Home Loan 2 Crore Home Loan 2.5 Crore Home Loan 3 Crore Home Loan 4 Crore Home Loan
More About Loans
home loan Home Extension Loan Affordable Housing Loan Pradhan Mantri Awas Yojana Home Construction Loan Home Loan Balance Transfer Documents Required for Home Loan Home Loan Interest Rates Home Loan EMI Calculator Home Loan Eligibility 10 Lakh Home Loan 50 Lakh Home Loan 30 Lakh Home Loan 40 Lakh Home Loan

FAQs

What is the main difference between PMAY Urban and PMAY Gramin?

 

The key difference between PMAY Urban and Gramin lies in the target group. PMAY Urban offers credit-linked subsidies to city residents based on income, while PMAY Gramin provides direct financial assistance to eligible rural families identified through the SECC 2011 database.

What is PMAY G scheme and whom does it benefit?

 

If you’re thinking what is PMAY, the PMAY G scheme is a rural housing initiative under, aimed at homeless families or those living in kutcha houses. It benefits low-income rural households by offering financial support to build a safe, permanent home with basic amenities.

Who is eligible for PMAY Gramin and PMAY Urban?

 

PMAY Gramin eligibility applies to rural households without a pucca house, listed in SECC 2011. PMAY Urban, on the other hand, is for EWS, LIG and MIG families in urban areas, based on income and housing ownership criteria.

How can I apply for PMAY Gramin in India?

 

To understand how to apply PMAY Gramin, eligible households must approach their local Gram Panchayat. Applications are verified using SECC 2011 data, followed by field checks before approval and phased fund disbursement to the beneficiary’s bank account.

What are the benefits available under PMAY Gramin for rural homebuyers?

 

The key PMAY Gramin benefits include direct financial assistance for home construction, a minimum house size, wage support under MGNREGA and access to sanitation and electricity, helping rural families achieve safe and dignified housing.

Disclaimer

Most Viewed Blogs

Trending Blogs

Calculator

Personal Loan EMI Calculator

Personal Loan EMI Calculator
Home Loan EMI Calculator

Home Loan EMI Calculator
Business Loan EMI Calculator

Business Loan EMI Calculator
Used Car Loan EMI Calculator

Used Car Loan EMI Calculator
Two Wheeler Loan EMI Calculator

Two Wheeler Loan EMI Calculator
Loan Against Securities Calculator

Loan Against Securities Calculator
Loan Against Property Calculator

Loan Against Property Calculator
More Tools
Our Subsidiaries
Our Private Equity Funds

Useful Links and Resources

Policies, Codes & Other Documents

Tata Capital Solutions & Services

Uh oh, something went wrong

Please try again later.

Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download