Pradhan Mantri Awas Yojana - Housing for All. Two parts: PMAY-Urban + PMAY-Gramin. Subsidy on home loans + free houses for poor. 3+ crore houses sanctioned.
PMAY-U vs PMAY-G?+
PMAY-U (Urban): For city dwellers, EWS/LIG/MIG. CLSS subsidy on home loans. PMAY-G (Gramin/Rural): Free pucca houses for rural poor (₹1.2-1.3L assistance).
Online at pmaymis.gov.in. Aadhaar + income proof + property docs + bank account. Apply through partner banks. CSC also accepts. Status check online.
PMAY eligibility conditions?+
No pucca house owned by family in India. Indian citizen. First-time house buyer. Female ownership (or co-ownership) preferred. Specific category eligibility.
Subsidy received as?+
Lump sum credited to home loan account. Reduces EMI for entire tenure. Money never reaches your bank. NOC issued by bank after subsidy receipt.
PMAY-G beneficiary list?+
SECC 2011 + Awaas Plus list. Visit pmayg.nic.in to check. Phase-wise selection. Final list announced by gram panchayat. Aadhaar mandatory.
PMAY-U beneficiary deadline?+
Continued under PMAY-U 2.0 till 2029. New deadline announced periodically. Apply ASAP - first come basis. Limited fund per state.