Pradhan Mantri Awas Yojana Pradhan Mantri Awas Yojana Full Details.

 Pradhan Mantri Awas Yojana  Pradhan Mantri Awas Yojana Full Details.

Pradhan Mantri Awas Yojana  Pradhan Mantri Awas Yojana


Pradhan Mantri Awas Yojana (PMAY) Pradhan Mantri Awas Yojana In Hindi (Online Application, Urban, Eligibility, Form Download, List, How to Check Rural List, Amount, Check Status) 


Pradhan Mantri Awas Yojana or Housing for All Scheme is a scheme run by the Central Government, the purpose of this scheme is to provide their own pucca house to the poor person in India. This is a scheme run by our central government, which was launched in the year 2015 and its upcoming objective is to provide more than 20 million pucca houses in various urban and rural areas in India by the year 2022. The first part of this scheme has ended the last year 2017 and its second part has also started. This scheme has been divided by the administration into two parts, whose names are Pradhan Mantri Awas Yojana Rural and Pradhan Mantri Awas Yojana Urban respectively.

Pradhan Mantri Awas Yojana 

Name                                  PM Awas Yojana

Part                                          Rural and urban

Launch date                          2015

Who launched                         PM Narendra Modi

Pre-run plan                         Indira Housing Scheme

Plan level                         Center 90 percent and state 10 percent


This scheme was started based on the Indian regional structure in 2 parts, these two parts are Pradhan Mantri Awas Yojana Rural and Pradhan Mantri Yojana Urban. The detailed information of these two parts is being told below.


PM housing scheme the main point (Key Features):

  • Purpose: Pradhan Mantri Awas Yojana Gramin is actually a modified form of Indira Awas Yojana, which was launched by Prime Minister Narendra Modi. The objective of this scheme is to provide about 1 crore pucca houses with basic amenities to the people living in unsanitary and unsanitary houses in rural areas in India for three years from 2016-2017 to 2018-2019.

  • Size of houses: At present, the size of the houses to be built under this scheme is 25 square meters, which has been fixed by increasing the size of houses from 20 square meters earlier.

  • Amount to be given: Under this scheme, earlier an amount of 70,000 was fixed in the plain areas, which has been increased to 1 lakh 20 thousand at present. Under this scheme, earlier this amount was 75,000 in hilly areas, difficult areas, and IAP districts, which has now been increased to 1 lakh 30 thousand.


  • The expenditure incurred in this scheme will be done jointly by the Central Government and the State Government. The ratio of this amount to be shared in the plains will be 60:40, while in the three north-east and Himalayan states of Jammu and Kashmir, Himachal Pradesh, and Uttarakhand, this ratio will be 90:10.

  • Under this scheme, the amount of Rs 12000 for the toilet will be paid by Swachh Bharat Mission Rural and any other source running in that area.

  • Under this scheme, the identification and selection of beneficiaries will be done based on the lack of houses with them, social level as per SECC-2011 data, and verification by Gram Sabha.

  • Under this scheme, if the beneficiary wants, then he can also take a loan of 70 thousand rupees, which he will have to take by applying from various financial institutes.

  • This scheme has also been linked to other schemes to provide complete facilities to the beneficiary like toilet, drinking water, electricity, cleanliness, smokeless fuel for cooking, social and liquid waste.

  • The entire amount given under this scheme will be paid in the bank account of the beneficiary. For this, this account of the beneficiary must be linked with the Aadhar card.

Identification and Selection of Beneficiaries, Eligibility Criteria under this scheme:


Under this scheme, truthfulness and transparency in the selection of the beneficiary is the main objective of the government. Under this, care will be taken that only those people who really need it should get the benefit under this scheme. In this scheme, SECC (Socio-Economic Caste Census) will be used to select the beneficiaries, which will be verified by Gram Sabha.


The selection under this scheme will be done based on the following points:


  • Eligible Beneficiary: Under this scheme, any person who does not have his own house or who lives in a kutcha house of 1, 2, or more rooms or who does not have a roof in the house can take benefits. Is. To take advantage of this scheme, the beneficiary doesn’t need to be a BPL cardholder.

  • Priority will be given to the following persons under this scheme:

  • Under this scheme, the first priority will be given according to the category, which means people belonging to Scheduled Castes, Scheduled Tribes, Minorities, and other categories will be the first claimants of benefits under this scheme.

  • Preference will also be given to those selected from amongst the primary people who fulfill the criteria of Compulsory Inclusion defined in SECC. The socio-economic parameter SECC shown in this list by which priority will be given (First Priority in PMAY) is as follows.

  • 1. The family in which no member is an adult i.e. between 16 to 59 years of age will be the first eligible for this scheme.

  • 2. The family whose head is a woman and there is no adult member in it i.e. 16 to 59 years of age, that family will be the first priority for this scheme.

  • 3. Those families whose members are above 25 years of age are not educated, that family will be the priority for this scheme.

  • 4. The family whose member is disabled and in which there is no adult will be the priority for this scheme.

  • 5. Those families who do not have any land of their own and whose maximum part of their income comes from wages will be the priority for this.

Construction of House :

Amount received for construction: Whoever wants to take benefit through Pradhan Mantri Awas Yojana, will be given money from the government for the construction of their house. This assistance will be of 1 lakh 20 thousand in plains, while in difficult areas, IAP units, and Himalayan states, this assistance amount has been increased to 1 lakh 30 thousand. Its main objective is to provide pucca houses in all these areas.

Meaning of pucca house: Hereby pucca house, the government means such houses which can protect the occupants of the house for the coming 30 years in dealing with different weather and conditions. Apart from this, it is also necessary to have basic facilities like electricity, water and wash area, etc. in this house.

House construction: Under this scheme, unskilled labor for 90 to 95 days is given by MNREGA for the construction of the house. If the owner of the house wants and then he can build his house himself and he can enroll himself to get 90 days salary under MGNREGA. If the owner is not able to make it himself, then unskilled laborers will be provided to him by MNREGA. And this construction will not be included in the 1 lakh 20 thousand given for the house.

The construction of the house will not be done by any contractor: Under this scheme, it is a rule that the beneficiary will have to build his own house. If the construction is found by any contractor or agent in it, then the government has every right to cancel it in the middle. This house cannot be built even by any government department or agency, in which only those people can participate, who are authorized for this scheme.

Swachh Bharat Abhiyan: It is necessary to build toilets in these pucca houses in rural areas, and for the fulfillment of this objective, 12 thousand will be given by the Swachh Bharat Abhiyan for the construction of toilets at the time of construction of houses in villages.

Size of the house: The size of the houses to be built according to this plan is also fixed. This site has been fixed by the government as 25 square meters, which includes cooking and hygienic areas.

Mapping of Field Function and Mason:

Under this scheme, BDO or Block Level Officer, who is recognized by the state government, verifies the updated photo of the beneficiary on the Pradhan Mantri Awas Yojana before you get the order to build a house. This photo is taken by the beneficiary standing in front of his place where he wants to build a house. If the beneficiary wants to repair the already built house, then he will also have to clear this thing through the app.


If under any circumstances the place is also provided to the beneficiary by the government or any other public land such as panchayat land, community place, or any other local authority, then the facility of electricity and water at such place should already be available. is determined. The government has already ensured that after the finalization of the present waitlist, the need for such people will also be taken care of, who do not have their own space available.

Issue of Beneficiary List (Issue of Sanction Letter to Beneficiary):

Under this scheme, the final list is made based on the names of the registered applicants in MIS-Awas software. While registering under this scheme, the applicant is required to register his/her name, bank account details, Aadhar card number, and MNREGA card number. Apart from this, the applicant also has to give his mobile number.



After registration, the applicant’s details and bank account are verified. Thereafter, the sensation letter is generated for each beneficiary individually and a separate Pradhan Mantri Awas Yojana Gramin ID and Quick Response Code is generated for each. Under this scheme, allotment is done in the joint name of both husband and wife, but it is not necessary if the applicant is a widow, unmarried woman, or a separate person. In this situation, allotments are made only in the name of women in the state. If in any case this application has been made in the name of a disabled person, then this allotment will also be done in the name of that person only.



The information about his selection is provided to the beneficiary by SMS on the mobile number given by him. The beneficiary can also remove this sensation order from its official website by visiting the block office or by using the ID of his Pradhan Mantri Awas Yojana Gramin.


The beneficiary is required to construct the house within 12 months from the date of receipt of the sensation letter. If there is any kind of delay in this process then it generates complications in the project.


Release Installment to Beneficiary:


Under this scheme, the beneficiary gets his first instrument section letter within 7 days from the date of issue. This installation is directly transferred to the beneficiary in his bank account. After this, it is ensured by the government from that bank that it will send this information through SMS to the beneficiary on his mobile.


At the beginning of the financial year, it is decided that in how much installation and how much money will be given to the beneficiary. Its amount is given in at least three installations and there are 7 stages of construction of the house.


  • House Sanction
  • Foundation
  • Plinth
  • Windowsill
  • Terrace (Lintel)
  • (Roofcast)
  • Completed House

The first installation for the house is received as soon as the approval for the house is received, but for the second and third instruments, the construction of the house is monitored. And the second installation comes after the foundation and foundation are formed.


After this, the money is transferred to the beneficiary’s account by mapping any of the fourth, fifth, or sixth stages for the third and final installation.

The total amount received under this scheme (Total Amount for Beneficiary):


Under this scheme, an amount of 1 lakh 20 thousand will be given by the government to the beneficiary in the plain areas, which will be a subsidy. 


Apart from this, 12 thousand rupees will be given by the Swachh Bharat Mission for the construction of toilets.


An amount of 18 thousand rupees will be received from MNREGA for the construction of the house. Which the beneficiary himself can also get by working for 90 days.


Apart from all this, if the beneficiary wants, then he can take a loan of 70 thousand from the bank for extra money. For this, this facility is available in various banks and financial institutions.


The total amount received under this scheme “2,20,000” = 1,20,000(PMAY-G) + 18000(MGNAREGA) + SBM-G (12,000) + Loan (70,000)


How to Apply for this scheme (How to Apply for PMAY-G):


To take advantage of this scheme, rural people only have to go to the public service center and fill a form or a form by going to the block office. After this, the selection of beneficiaries is done by the Gram Panchayat and the final list is prepared by the higher authorities.



How to check your name in the list of the year 2018-19 in Pradhan Mantri Awas Yojana Gramin (How to Check your Name in PMAY-G List):


Those who have filled the form for this scheme in the past, their name have been selected for this scheme. If you want to check your name in this list then follow this procedure:


To check your name on this list, you have to first go to its official site. By clicking on this link, you will be able to see its official page.


Now you can search your name here. For this, you have to go to the report and click on it. By clicking on it, you will reach the next page.


Here you have to click on the option of Registration and Sensation Detail option on the bottom of the physical progress report in A block and the number 6 option.


Now after this you have to select the scheme on the next page and you will have to select the Pradhan Mantri Awas Yojana Gramin for yourself.


On clicking on this, the list of all the states will be in front of you on the next page, out of which you will have to select your state.


After this, the list of all the districts of the states will be available in front of you, out of which you have to select your district.


After selecting your district, the list of all the blocks of your district will be available in front of you, out of which you will have to select your block.


After this, the list of Gram Panchayat of your block will be present in front of you, out of which you will have to select your Gram Panchayat and you will have to click on the number given in the Beneficiary Register and House section below it.


After this, the list of selected people in this scheme will be in front of you, from which you can search your name. If your name has been selected as the beneficiary of this scheme, then it will definitely be present here.


Pradhan Mantri Awas Yojana Urban PMAY(U) (Pradhan Mantri Awas Yojana Urban) 


The main objective of this program is to provide own houses to poor people living in cities and slum dwellers by the year 2022. To fulfill this purpose, the government will work under the following points.


  • by rehabilitating slum dwellers
  • Efforts will be made to provide housing to the weaker section by providing a credit link subsidy.
  • By providing affordable houses in partnership with the public and private sectors
  • By providing subsidy for the construction of the beneficiary’s house

Pradhan Mantri Awas Yojana Beneficiaries :


Under this scheme, slums have been included for the first time in the category of urban beneficiaries. A part of a city where about 300 persons or 60-70 families live their lives in improperly constructed houses without basic facilities like electricity, a wash area, and an unhygienic environment is called a slum. Under this scheme, with the efforts of the government, efforts are being made to provide self and basic facilities to the people living in these houses.


Apart from this, the list of beneficiaries in urban areas includes the Economically Weaker Section (EWS, Economically Weaker Section), Low Income Groups (LIGs, Low Income Groups), and Medium Income Groups (MIG, Middle Income Groups). Those families whose income is less than 3 lakhs are kept in the category of the economically weaker section, whose income is between 3 to 6 lakhs, they are in the low-income group and those whose income is between 6 to 18 are kept in the medium income group. Is. Out of these, the economically weaker sections can take full benefit of this scheme, while LIG and MIG sections will be eligible to take advantage of the credit link subsidy scheme only.


Under this scheme, to identify the economically weaker section and LIG and MIG, the person will have to submit a self-certificate or affidavit along with his loan application.


The entire family of a beneficiary will include husband, wife, unmarried sons, and daughters. To take benefit under this scheme, no pucca house must be registered anywhere in India in the name of the beneficiary or anyone else in the beneficiary’s family.


Different Phase of Scheme:


After the launch of this scheme till the year 2022, work will be done in 3 phases, these three phases are as follows.


In Phase I, from April 2015 to March 2017, work was done in 100 cities of selected states under this scheme.


After this, the phase of this scheme will start from April 2, 2017, and will run till March 2019. In this, the other 200 cities of India will also be included. And by selecting the beneficiaries there, they will be given benefits.


The third phase of this scheme will start from April 2019 and will run till March 2022, in which efforts will be made to provide own housing to all across India by covering other remaining cities as well.


Different Parts of Scheme


Under this scheme, efforts are being made to provide their own house to the people of different income groups in the cities in three ways. Based on this different income group, the facilities available to the people divided into different parts will also be as follows. The facilities available to these people have been described in detail in the points below.


 In-situ Slum Redevelopment :

Here in-situ refers to the main actual location. And this in-situ slum redevelopment is an important part of Pradhan Mantri Awas Yojana. This scheme has been started to provide all the necessary facilities to the people living in slums in the urban areas of India. Under this, these slums will be redeveloped by utilizing the slum space, and with the participation of private institutions and it will be converted into a habitable place with basic facilities. In this way, the place where the slums have been built will be made available to the people by making accessible and better houses with sanitary facilities. The slums available on government or private land will be included under this scheme and the private partners involved in this scheme will be selected through open bidding in different states.



The contribution of the beneficiaries under this scheme will be decided by the state government instead of the central government. In this, the eligibility of the cutoff will also be decided by the state government. And in the Union Territories, this authority will be with the government there. This scheme will be started after consultation with the slum dwellers from the respective places and with their cooperation.



Key Points and Benefits of “In Situ Slum”:


To make this scheme easier, additional floor area ratio, floor space index, and transferable development rights are provided by the government in the state governments or union territories.


A grant of up to Rs 1 lakh can be given to each house for resettlement from slums by the existing government in the state. This amount will be available to all those beneficiaries who will be eligible under this scheme. This final decision will be taken by the government present in the state with an average amount of Rs.1 lakh.


These under-construction houses will be given full ownership to the beneficiaries or these houses will be given on lease, this right will also be complete with the state government.


The houses built under this scheme will have two components: slum rehabilitation component and free sale component. In the slum rehabilitation component, one will get a house with basic amenities, and in the free sale component, the slum developers will be able to sell the houses in the open market.


As long as the development work is carried out in the slum area, then private developers will provide short-term accommodation to the people living in the slum.


Credit Link Subsidy Scheme


Another part of this scheme is to provide affordable houses through a credit link subsidy scheme. Under this also people have been divided into different income groups. Its details are as follows:


Credit Link Subsidy Scheme for Economically Weaker (EWS) and Low Income Group (LIG):


Under the Pradhan Mantri Awas Yojana, the government introduced the Credit Link Subsidy Scheme for the economically weaker and low-income groups living in cities.


Key Points and Benefits:          


Under this scheme, to provide houses for the people of the EWS and LIG category, loans will be made available to them by various banks and other financial institutions at the rate of 6.5 percent for 20 years. So that they do not face any problem in building their own house.


Under this scheme, this subsidy will be given to the beneficiary only on the loan amount of 6 lakhs, apart from this, if the beneficiary takes another loan, then he will have to pay it at the present interest rates.


Under this scheme, first, the beneficiary will have to deposit the entire EMI of the loan in the bank or financial institution through the loan account, after that after deducting the monthly installment amount, the subsidy amount will be transferred back to the beneficiary’s account.


Based on the rules of the center, this house will be in the joint name of the female head member of the house or the husband and wife in the house. This house can be in the name of a male member of the household only in the absence of an adult female in the house.


In addition to the rooms in the houses built under this scheme, it is mandatory to have basic facilities like kitchen, toilet and electricity and water.


The annual income of the persons taking benefits under the EWS group should be up to 3 lakhs only then they will be eligible for this scheme. And the annual income of the persons taking benefits under LIG should be between 3 to 6 lakhs only then they will be eligible for it.


Under this scheme, the area of ​​the houses to be built in the EWS group should be 30 square meters and similarly, for the houses built under the LIG group, the area should be 60 square meters. If the beneficiary wants, he can get his house built in a larger area also, but the use subsidy will be available only on the loan amount of 6 lakhs.


The complete description of this scheme and the interest and subsidy available in it has been given through the table below, which will make it easy for you to understand it:

Credit Link Subsidy Scheme for Middle Income Group (MIG) People :


The middle-income group (MIG) includes those people whose family annual income is between 6 lakh to 18 lakh. These middle-income group people have also been divided into two classes based on their income, the first class which is called MIG-I includes people with an annual income of 6 lakh to 12 lakh, while the second class is called MIG. -II It has been said that people with an annual income of 12 lakh to 18 lakh will be included in it. More recently, some changes have been made by the government in the carpet area of ​​the houses for the people of this income group, its complete description has been given in the points below.


Key Points and Benefits:


As per the announcement made by the government departments recently, the size of the carpet area for MIG-I has been increased from 120 square meters to 160 square meters under this scheme while the size of the carpet area for MIG-II is 150 square meters. It has been increased from 200 square meters.


Under this scheme, beneficiaries falling under MIG-I can be given an amount of up to 9 lakhs as a loan amount at a 4 percent interest subsidy for 20 years. At the same time, an amount of up to 12 lakhs will be available to the people coming under MIG-II on a 3 percent interest subsidy for 20 years.


Thus, the total subsidy received under this scheme for MIG-I will be 2,35,068 while for MIG-II the amount of this subsidy will be 2,30,156.


Under this scheme, first, the beneficiary will have to deposit the entire EMI of the loan in the bank or financial institution through the loan account, after that after deducting the monthly installment amount, the subsidy amount will be transferred back to the beneficiary’s account.


Based on the rules of the center, this house will be in the joint name of the female head member of the house or the husband and wife in the house. This house can be in the name of the male member of the household only in the absence of an adult female in the house.


As per the recent update, the Reserve Bank of India (RBI) has increased the limits for home loans under Private Sector Loans (PSL) to promote affordable homes. Now people in cities with a population of more than 10 lakhs will be able to get a home loan of up to 35 lakhs, and in areas, with a population of fewer than 10 lakhs, people will be eligible to take loans up to 25 lakhs. This amendment made by the Reserve Bank of India will give impetus to the Pradhan Mantri Awas Yojana.



 Affordable Housing Through Partnership :


The third part of the Pradhan Mantri Awas Yojana is to provide affordable houses through partnership. The main objective of this project is to provide financial subsidies to the EWS houses which are being built in partnership with various states and cities. About 35 percent of the houses being built in this affordable house project are being built for the EWS category. And in this, the beneficiary will get financial assistance of up to 1.5 lakhs.



 Year Lock-in Period (PMAY Lock-in Period Details) 


The central government is going to introduce a new condition on getting a home loan subsidy for the houses under the Pradhan Mantri Awas Yojana. Now all the people who get new houses under this housing scheme of PM will not be able to sell their houses or properties for 5 years. The central government is soon going to introduce a provision of a “lock-in period” of 5 years for both rural or urban houses under the Pradhan Mantri Awas Yojana. In-principal approval has been given for this provision by the Ministry of Housing. An official announcement for this will be made by the Union Cabinet next month.



How to Apply for Pradhan Mantri Awas Yojana-Urban / Application Process:


If any person present in India wants to take advantage of Pradhan Mantri Awas Yojana, then he can apply through its official website or by visiting public convenience centers.



The process of application by visiting the public convenience center:


If you want to enroll your name in this scheme, then you have to first go to your nearest public convention center, and register your application.


When you go to this Jan Suvidha Kendra, it will be mandatory for you to carry a passport size photograph and Aadhar card with you. Apart from this, you will also have to deposit a fee of Rs 25 for this application.


When your application process is complete, a receipt will be provided to you from there. Your photo and your application number will be present in this receipt. Through this application number, you can find out the status of your application.


Process of application through the official website of Pradhan Mantri Awas Yojana pmaymis.gov.in/#:


If you want to apply online under this scheme, then you have to first go to its official website. You can also reach there directly by clicking on this link pmaymis.gov.in.


When you reach its official website, then you have to choose your option by going to the Citizen Assessment option present here.


When you complete this process, you will reach the next page, now you have to enter your Aadhaar number here and click on Check. And if you do not have an Aadhar number then you will not be eligible to apply here.


When you complete this process, the application form will be present in front of you on the next page. Now you have to fill in all the information correctly here.


After this, when you submit the form, the application number will come in front of you, which you should save somewhere because it will be useful for you to know the status of your application in the future.


How to Check Your Name in Pradhan Mantri Awas Yojana / How to Check Your Application Status:


If you have applied for Pradhan Mantri Awas Yojana, then you can also check the status of your application through its official website. The complete process to check the status of your application is explained in the following points, so that you will be able to check your status:


For this also you have to go to its official website pmaymis.gov.in/# and click on the option of Citizen Assessment. Now you have to select the Check Your Assessment Status option present here


Now on the page that will open, you will have to select your option from By Name, Father Name and ID Type, and By Assessment ID.


Whichever option you select, after that on the next page you will have to fill in all the details and click on the submit button. And in this way, you will be able to know your status.


Prime Minister’s Housing Scheme FAQ


1. When was the Prime Minister’s Housing Scheme launched?

Answer- 2014


2. By whom was the Pradhan Mantri Awas Yojana launched?

Answer- Prime Minister Narendra Modi


3. What is the eligibility rule for PM Awas Yojana

Answer- Economically weak people have been included under this scheme, under which EWS, LIG, MIG-1, and mig-2.


4. How to apply under PM Awas Yojana

Answer- The official website has been launched to apply for the scheme, through which one can easily apply for the scheme.


5. How the list of beneficiaries of Pradhan Mantri Awas Yojana is prepared

Answer- Under this scheme, the list of beneficiaries is prepared by the department, some criteria have been set under the eligibility rule, in which the list of these beneficiaries is determined according to the priority.


6. How to check name in the beneficiary list under PM Awas Yojana

Answer- For this, official portals have been launched by the government, easily the name can be checked in the beneficiary list, for which Aadhaar number, registration number, and mobile number are required.


7. How much subsidy is available under the housing scheme

Answer- Under this scheme, a subsidy of 2.5 lakhs is given.


8. What are the toll-free helpline numbers of Pradhan Mantri Awas Yojana

Answer- 1800-11-3388 HUDCO: 1800-11-6163

NHB: 1800-11-3377

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