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Pradhan Mantri Awas Yojana: Affordable Housing for All
The Pradhan Mantri Awas Yojana (PMAY) is a government initiative launched in 2015, aimed at providing affordable housing for the economically weaker sections of society.
The scheme’s goal is to build 2 crore homes for the urban poor by December 31, 2025.
To benefit from PMAY, you need to qualify as a beneficiary, and this information is available on the PMAY list.
How to Check Your Name in the PMAY List
For Urban Areas:
- Visit the Ministry of Housing and Urban Affairs website.
- Click on ‘Select Beneficiary’.
- Choose ‘Search by Name’ from the drop-down menu.
- Enter the first three characters of your name and click ‘Show’.
For Rural Areas:
- Visit the PMAY-Gramin website.
- Enter your registration number and click ‘Submit’
If you don’t have your registration number:
- Visit the PMAY-Gramin website.
- Click on the ‘Advanced Search’ button.
- Fill in the form with accurate details.
- Click ‘Search’ to see if your name is on the list.
Features of Pradhan Mantri Awas Yojana
- Interest Subsidy: Beneficiaries can receive up to a 6.5% interest subsidy on housing loans, with a tenure of up to 40 years. The subsidy amount varies by income group.
- Eco-Friendly Construction: Houses will be built using eco-friendly and sustainable materials and technology.
- Preference for Vulnerable Groups: Senior citizens and differently-abled individuals will be prioritized for ground floor accommodations.
- Widespread Coverage: The scheme is available in 4,041 statutory towns.
State-Wise List of Completed Houses under PMAY
| State/UT | Houses Sanctioned | Houses Completed (%) |
|---|---|---|
| Andhra Pradesh | 20,05,932 | 16% |
| Uttar Pradesh | 15,73,029 | 27% |
| Maharashtra | 11,72,935 | 23% |
| Madhya Pradesh | 7,84,215 | 40% |
| Tamil Nadu | 7,67,664 | 38% |
| Karnataka | 6,51,203 | 25% |
| Gujarat | 6,43,192 | 58% |
| West Bengal | 4,09,679 | 46% |
| Bihar | 3,12,544 | 21% |
| Haryana | 2,67,333 | 8% |
| Chhattisgarh | 2,54,769 | 31% |
| Telangana | 2,16,346 | 45% |
| Rajasthan | 2,00,000 | 38% |
| Jharkhand | 1,98,226 | 38% |
| Odisha | 1,53,771 | 44% |
| Kerala | 1,29,297 | 55% |
| Assam | 1,17,410 | 15% |
| Punjab | 90,505 | 25% |
| Tripura | 82,034 | 50% |
| Jammu | 54,600 | 12% |
| Manipur | 42,825 | 9% |
| Uttarakhand | 39,652 | 33% |
| Nagaland | 32,001 | 13% |
| Mizoram | 30,340 | 10% |
| Delhi | 16,716 | – |
| Puducherry | 13,403 | 21% |
| Himachal Pradesh | 9,958 | 36% |
| Arunachal Pradesh | 7,230 | 25% |
| Meghalaya | 4,672 | 21% |
| Dadra and Nagar Haveli | 4,320 | 51% |
| Ladakh | 1,777 | 21% |
| Daman & Diu | 1,233 | 61% |
| Goa | 793 | 93% |
| Andaman and Nicobar | 612 | 3% |
| Sikkim | 537 | 45% |
| Chandigarh | 327 | – |
| Lakshadweep | 0 | 0% |
Eligibility Criteria for the Credit Linked Subsidy Scheme (CLSS)
For LIG/EWS Category:
- The family must include a husband, wife, and unmarried children.
- The household’s annual income should be between Rs. 3 lakhs and Rs. 6 lakhs.
- The property should be co-owned by a female family member.
- Eligible for a 6.50% interest subsidy.
For MIG I & II Categories:
- Annual household income should be Rs. 6 lakhs to Rs. 12 lakhs for MIG I, and Rs. 12 lakhs to Rs. 18 lakhs for MIG II.
- A female co-owner is desirable.
- An adult earning member, whether married or unmarried, is considered a separate household.
- MIG I is eligible for a 4.0% subsidy, while MIG II is eligible for a 3.0% subsidy.
Note: The PMAY subsidy scheme for the MIG I & II categories is no longer available. The EWS & LIG category was valid until March 31, 2022, and MIG I & II until March 31, 2021.
List of States and Union Territories Under PMAY
The PMAY scheme is implemented across various states and union territories, including:
- Andhra Pradesh
- Arunachal Pradesh
- Assam
- Bihar
- Chandigarh
- Chhattisgarh
- Dadra & Nagar Haveli and Daman & Diu
- Delhi
- Goa
- Gujarat
- Haryana
- Himachal Pradesh
- Jammu & Kashmir
- Jharkhand
- Karnataka
- Kerala
- Ladakh
- Madhya Pradesh
- Maharashtra
- Manipur
- Meghalaya
- Mizoram
- Nagaland
- Odisha
- Puducherry
- Punjab
- Rajasthan
- Sikkim
- Tamil Nadu
- Telangana
- Tripura
- Uttar Pradesh
- Uttarakhand
- West Bengal
To check your name and learn more, visit the official PMAY websites.