Pradhan Mantri Awas Yojana (PMAY) 2026: How to Apply, Eligibility, and Required Documents

India is experiencing a significant housing shortage, especially among people belonging to EWS (Economically Weaker Section), Medium and Low-Income groups. The affordable housing shortage in urban areas is currently estimated at 9.4 million units and is expected to reach 30 million by 2030, according to a report by Knight Frank.

To combat the housing shortage and offer legal and affordable housing to economically weaker sections of society, Pradhan Mantri Awas Yojana (PMAY) was introduced by the Government of India.

What is PM Awas Yojana?

Pradhan Mantri Awas Yojana is a housing scheme introduced by the Government of India to provide affordable and permanent housing to economically weaker sections of the population in India. The scheme offers financial assistance, subsidised lower interest rates on home loans and aims to facilitate the construction of 20 million affordable houses across the country.

The Pradhan Mantri Awas Yojana has two components:

Pradhan Mantra Awas Yojana Urban (PMAY-U)

PMAY-U aims to provide affordable housing to eligible families who do not have a pucca house in urban areas. Houses constructed under PMAY-U are equipped with basic amenities such as water supply, kitchen, electricity and toilet.

The scheme promotes women’s ownership by providing houses or land in the name of the female head of the household or jointly with other family members. It is specifically designed for slum dwellers and those belonging to EWS, MIG, and LIG categories. PMAY-U targets to house around 1 crore eligible urban families by 2029.

Pradhan Mantri Awas Yojana Gramin (PMAY-G)

PMAY-G aims to provide pucca houses to all households living in kutcha houses or homeless people in rural areas. The cost of constructing houses will be shared between the Central and State Governments in the ratio of 60:40 in flat lands and 90:10 in hilly and North Eastern states, including the Himalayan region.

The Union Cabinet has approved the continuation of the PMAY-G with the objective of providing assistance for constructing 2 crore pucca houses with basic amenities from April 2024 to March 2029.

Eligibility Criteria for PM Awas Yojana

The following are the eligibility criteria for PM Awas Yojana (PMAY).

Eligibility Criteria for PMAY-U

To apply for the PM Awas Yojana - Urban (PMAY-U)

• Families belonging to the EWS/LIG/MIG category living in kutcha houses in urban areas.
• Beneficiaries not allotted houses under any other housing scheme.
• ESW households with an annual income of up to ₹3 lakhs.
• Medium Income Groups (MIG) with annual income from ₹6 lakhs to ₹9 lakhs.
• Low Income Groups (LIG) with annual income from ₹3 lakhs to ₹6 lakhs.
• Widows, single women, senior citizens, transgenders and people with disabilities.
• People belonging to SC/ST/Minorities and other weaker sections of society.

Eligibility Criteria for PMAY-G

To apply for the PM Awas Yojana - Gramin (PMAY-G)

• Houseless Households: All households without any shelter.
• Households with Kuccha Houses: Households living in homes with kuccha walls and kuccha roofs or houses with zero, one, or two rooms as per the Socio-Economic and Caste Census (SECC) 2011.
• Destitute households or those living on alms.
• Manual scavengers
• Primitive Tribal Groups.
• Legally released bonded labourers.

Who cannot apply for PMAY-G?

The following households are not eligible to apply for the PMAY-G.

• Households with a Kisan Credit Card having a credit limit of ₹50,000 or above.
• Government employees or those with non-agricultural enterprises.
• Households with a monthly income of over ₹15,000 or those paying income tax.
• Households owning refrigerators, landline phones, or irrigated land of more than 2.5 acres.

How to Apply for PM Awas Yojana?

You can apply for the PM Awas Yojana both online and offline.

Apply for PM Awas Yojana Online

Step 1: Visit the Official Website of PMAY-Urban.

Step 2: Select the ‘Citizen Assessment’ option and select ‘For Slum Dwellers’ or ‘Benefits under other three components’, whichever is applicable.

Step 3: Enter your Aadhaar Card details, and the site will navigate to an online application form. Fill in all the mandatory details asked for, and upload the softcopy of the required documents.

Step 4: Once you’ve filled the form and attached the documents, click on ‘Save’ and enter the Captcha code. The application will be submitted.

Apply for PM Awas Yojana Offline.

Step 1: Visit a Common Service Centre (CSC) near you. Use the CSC Locator website to find the nearest CSC.

Step 2: Purchase the physical application form by paying ₹ 25 (plus GST) at the counter.

Step 3: Fill in all the mandatory details, and attach copies of the required documents.

Step 4: Submit the duly filled and signed application form at the CSC.

Documents Required for Applying for PM Awas Yojana (PMAY)

When applying for the PMAY, applicants are required to submit the following documents along with the application form.

• Aadhaar details such as Aadhaar number, name as per Aadhaar and date of birth.
• Aadhaar details of family members.
• Self-Certificate or Affidavit as Income proof.
• Identity and Residential Proof, such as PAN card, Voter ID, and Driving License.
• Proof of Minority Community, if the applicant belongs to a Minority Community.
• Proof of Nationality.
• EWS Certificate or LIG Certificate or MIG Certificate, as applicable.
• Salary Slips.
• IT Return Statements.
• Property Valuation Certificate.
• Bank Details and Account Statement.
• Affidavit or Proof that the applicant does not own a ‘pucca’ house.
• Affidavit or Proof that the applicant is constructing a home under the scheme.

FAQs

Who can apply for PMAY?

Urban and rural households that do not have pucca houses and belong to economically disadvantaged, challenged sections of the society can apply for the PMAY scheme.

How to apply for PMAY-U?

You can apply for PMAY online by visiting the Pradhan Mantri Awas Yoajan- Urban (PMAY-U) website or visiting the nearest CSC, filling the application form, and submitting the required documents.

Can multiple family members apply for the PM Awas Yojana?

No, only one family member per family can apply for the PM Awas Yojana.

How to check my PMAY application status?

You can check your PMAY application status by visiting and logging in to the Pradhan Mantri Awas Yojana website by using your Assessment ID or by using your Name, Father’s Name and Mobile Number.

Can I apply for other government housing schemes if I apply for PMAY-U?

Yes, you can apply for other government housing schemes, provided that no house is allotted to you under PMAY-U.