Pradhan Mantri Awas Yojana (PMAY)

Launched: 25th June 2015
By: Prime Minister Narendra Modi
Objective: To ensure “Housing for All” by the year 2022 (now extended in some areas) by providing affordable housing to the urban and rural poor.

🔹 Two Components

  1. PMAY–Urban (PMAY-U)

    • For urban poor, including slum dwellers, low-income groups (LIG), and economically weaker sections (EWS)

    • Implemented by the Ministry of Housing and Urban Affairs

  2. PMAY–Gramin (PMAY-G)

    • For rural poor households without proper housing

    • Implemented by the Ministry of Rural Development

🔹 Key Features of PMAY

Feature Details
Subsidy on Home Loan Credit Linked Subsidy Scheme (CLSS) offers interest subsidy of up to 6.5% on housing loans
Target Beneficiaries EWS, LIG, Middle-Income Groups (MIG-I & MIG-II), and rural households without pucca houses
Size of House Minimum 25 sq. m. (for rural) or as per local norms
Ownership Priority Priority given to female ownership or joint ownership with a woman
Eco-friendly Houses Encourages use of eco-friendly, sustainable building materials
Technology Promotes modern construction techniques and fast-track approvals

🔹 Eligibility Criteria

✅ For PMAY–Urban (CLSS):

  • Must not own a pucca house in any part of India

  • Annual household income:

    • EWS: Up to ₹3 lakh

    • LIG: ₹3–6 lakh

    • MIG-I: ₹6–12 lakh

    • MIG-II: ₹12–18 lakh

  • Must not have availed benefits from any other housing scheme

  • Women ownership or co-ownership is mandatory for EWS and LIG categories

✅ For PMAY–Gramin:

  • Must be a rural household without a pucca home

  • Identified through Socio-Economic Caste Census (SECC) data

  • Priority to SC/ST, widows, disabled, and landless laborers

🔹 Financial Support Provided

Category PMAY–Urban PMAY–Gramin
Subsidy on Home Loan ₹2.3–₹2.7 lakh approx. (via CLSS) Not applicable
House Construction Assistance Varies by city & type of house ₹1.20 lakh (plain area), ₹1.30 lakh (hilly/difficult areas)
Toilet Assistance Through convergence with Swachh Bharat Mission Yes

🔹 Application Process

  1. Online through official portal: https://pmaymis.gov.in

  2. Offline at Common Service Centers (CSCs) or banks

  3. Aadhaar card is mandatory for application

  4. Application Fee: ₹25 at CSC

🔹 Achievements (as of 2024)

  • Over 1 crore houses sanctioned under PMAY–Urban

  • Over 2.5 crore houses constructed under PMAY–Gramin

  • Promoted women empowerment, financial inclusion, and improved quality of life

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