by PM Awas Yojana for Home Building: Complete Guide to Apply
India has long grappled with the challenge of providing affordable housing for all. Recognizing this need, the Government of India launched the Pradhan Mantri Awas Yojana (PMAY) in 2015, with a vision of “Housing for All by 2022”. This flagship scheme is aimed at providing affordable homes to the urban and rural poor, including support for those who wish to construct their own houses.
This guide provides complete details about PM Awas Yojana for home building, including eligibility, benefits, documents required, and how to apply.
What is PM Awas Yojana (PMAY)?
The Pradhan Mantri Awas Yojana is a government scheme under the Ministry of Housing and Urban Affairs. It is divided into two main parts:
- PMAY-G (Gramin) – For people living in rural areas.
- PMAY-U (Urban) – For people living in urban areas.
Under both schemes, individuals and families who qualify as economically weaker sections (EWS), low-income groups (LIG), or middle-income groups (MIG) can receive financial assistance to build a home or improve an existing one.
Key Features of PMAY
- Subsidy on Home Loan Interest: Subsidy up to ₹2.67 lakh through Credit Linked Subsidy Scheme (CLSS).
- Support for Home Construction: Financial aid for building a house.
- Focus on Women Empowerment: Priority is given if the house is registered in the name of a woman.
- Green and Sustainable Housing: Emphasis on eco-friendly materials and technology.
- Targeted Beneficiaries: EWS, LIG, MIG, SC/ST, widows, senior citizens, and differently-abled persons.
Eligibility Criteria
To apply for PM Awas Yojana for building a house, you need to meet the following conditions:
General Eligibility:
- The applicant or their family must not own a pucca house (permanent house) anywhere in India.
- The applicant should not have availed housing assistance from any government scheme before.
- The beneficiary family includes husband, wife, unmarried sons and/or unmarried daughters.
Income Categories:
- EWS (Economically Weaker Section): Annual household income up to ₹3 lakh.
- LIG (Low Income Group): Annual income between ₹3 lakh and ₹6 lakh.
- MIG-I (Middle Income Group I): Income between ₹6 lakh and ₹12 lakh.
- MIG-II (Middle Income Group II): Income between ₹12 lakh and ₹18 lakh.
Note: Beneficiaries from EWS and LIG are eligible for construction assistance as well as interest subsidy.
Financial Assistance under PMAY
For Urban Areas (PMAY-U):
- Subsidy of up to ₹2.67 lakh on home loans for construction or enhancement.
- Interest subsidy rate of 6.5% for EWS and LIG for loans up to ₹6 lakh.
- For MIG-I, subsidy is 4% up to ₹9 lakh loan.
- For MIG-II, subsidy is 3% up to ₹12 lakh loan.
For Rural Areas (PMAY-G):
- Financial assistance of ₹1.2 lakh in plains and ₹1.3 lakh in hilly/difficult areas for building homes.
- Additional benefits for sanitation and LPG under Swachh Bharat and Ujjwala schemes.
Documents Required
To apply for PMAY, keep the following documents ready:
- Aadhaar card (mandatory)
- Income proof (salary slip, IT returns)
- Caste certificate (if applicable)
- Bank account details
- Address proof (ration card, electricity bill, etc.)
- Proof of land ownership (for home construction)
- Affidavit declaring no pucca house in India
How to Apply for PM Awas Yojana (Online Process)
Step 1: Visit the Official Website
- Go to pmaymis.gov.in
Step 2: Choose the Correct Category
- Click on “Citizen Assessment”
- Select “Benefits under 3 components” if you are from EWS, LIG, or MIG
- If you are from a slum area, choose “Slum Dwellers”
Step 3: Enter Aadhaar Number
- Fill in your 12-digit Aadhaar number to proceed
Step 4: Fill in the Application Form
- Personal details (name, address, contact)
- Income and employment information
- Details of the property to be constructed
Step 5: Save and Submit
- Review and submit your form
- Take a printout for future reference
Offline Application Process
You can also apply at the Common Service Centers (CSCs) or through approved banks and housing finance companies (HFCs):
- Visit the nearest CSC or bank offering PMAY benefits.
- Fill out the physical application form.
- Submit necessary documents.
- Pay a nominal fee of ₹25 + GST (for CSC).
Tracking Your Application Status
After applying, you can check your status online:
- Go to pmaymis.gov.in
- Click on “Track Your Assessment Status”
- Enter your Assessment ID or registered mobile number.
Important Points to Remember
- Women ownership is encouraged—mandatory in some cases.
- Priority is given to senior citizens, differently-abled, and widows.
- Applicants must ensure that the property is legally approved and construction is according to local authority rules.
- Loan subsidy is only available for the first pucca house.
- Loan under PMAY should be taken from an approved lender.
Banks and Financial Institutions Supporting PMAY
You can avail loans under PMAY from:
- State Bank of India (SBI)
- HDFC Ltd.
- ICICI Bank
- LIC Housing Finance
- Axis Bank
- Punjab National Bank
- And many others approved by NHB (National Housing Bank)
apply now
The PM Awas Yojana has become a crucial tool in the mission to provide safe and affordable housing for all Indians. Whether you live in a city or a village, and whether you want to buy, build, or improve a home, PMAY offers real financial support.
If you’re dreaming of building your own home but facing financial difficulties, this scheme could be the key to unlocking that dream. By applying carefully and ensuring all documents are in order, you can benefit from this life-changing initiative.
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