Pradhan Mantri Awas Yojana (PMAY) 2025: Registration, Eligibility, Documents

Context: The centre approved the construction of 2.35 lakh houses under Pradhan Mantri Awas Yojana (PMAY).

The Pradhan Mantri Awas Yojana (PMAY) is one of India’s flagship housing schemes aimed at providing affordable and pucca houses to economically weaker sections, low-income groups, and vulnerable communities across both urban and rural areas. The government has recently extended the PMAY registration deadline till December 2025, offering more opportunities for eligible beneficiaries to fulfill their dream of owning a home.

This comprehensive guide will help you understand the scheme’s benefits, eligibility criteria, required documents, and step-by-step process to apply online under both PMAY Urban (PMAY-U) and PMAY Gramin (PMAY-G).

What is Pradhan Mantri Awas Yojana (PMAY)?

Launched in 2015, Pradhan Mantri Awas Yojana (PMAY) aims to provide housing for all by 2022 (original target) through subsidies and financial assistance. It is a credit-linked subsidy scheme initiated to provide affordable housing to low and moderate-income residents across the country. It is divided into two main components:

• PMAY-U (Urban): Focuses on affordable housing in urban areas.
  • Objective: To provide housing for all in urban areas.
  • Nodal Ministry: Ministry of Housing and Urban Affairs (MoHUA)
  • Beneficiaries: Economically Weaker Section (EWS), Low-Income Group (LIG), and Middle-Income Group (MIG).
• PMAY-G (Gramin or Rural): Focuses on providing houses to rural poor and homeless families.
  • Objective: To provide a pucca house with basic amenities to all rural families who are homeless or living in kutcha or dilapidated houses.
  • Nodal Ministry: Ministry of Rural Development (MoRD)
  • Beneficiaries: Identified using the Socio-Economic and Caste Census (SECC) 2011.
  • It also encourages convergence with other schemes like Swachh Bharat Mission (SBM)for toilet construction, and the MGNREGA for wage employment.

The scheme targets households without a pucca house and provides interest subsidies under the Credit Linked Subsidy Scheme (CLSS) for home loans to eligible families.

Latest Update: PMAY Registration Deadline Extended

The government has extended the PMAY registration deadline till December 31, 2025 for both urban and rural beneficiaries. This extension will enable more families to apply and avail the benefits under the scheme.

PMAY Eligibility Criteria

PMAY Urban (PMAY-U) Eligibility

• Households with an annual income up to ₹3 lakh (Economically Weaker Section – EWS).
• Families earning between ₹3 lakh to ₹6 lakh (Low Income Group – LIG).
• Middle Income Group I (MIG-I) with income between ₹6 lakh and ₹9 lakh.
• Families must not own a pucca house anywhere in India.
• Beneficiaries living in slums or informal urban settlements are eligible.

PMAY Gramin (PMAY-G) Eligibility

• Families listed in the Socio-Economic and Caste Census (SECC) database.
• Must not own a pucca house or live in kutcha houses.
• Exclusions apply to families owning vehicles, agricultural equipment, or paying income tax.
• Government employees, professional taxpayers, and those owning large landholdings are not eligible.

Documents Required for PMAY Application

For PMAY Urban

• Aadhaar card of the applicant and family members
• Aadhaar-linked bank account details
• Valid income proof (salary slips, IT returns, or income certificates)
• Proof of no pucca house ownership
• Identity and address proofs (Ration card, Voter ID, etc.)

For PMAY Gramin

• Aadhaar card
• MGNREGA job card
• Bank account details linked to Aadhaar
• Swachh Bharat Mission (SBM) number
• Affidavit stating no ownership of pucca house
• Proof of income or caste certificate (as applicable)

Benefits of Pradhan Mantri Awas Yojana

• Interest Subsidy: Under CLSS, beneficiaries get an interest subsidy up to 6.5% on housing loans.
• Affordable Housing: Financial assistance to build or buy houses at subsidised rates.
• Empowering Weaker Sections: The Scheme benefits SC/ST, EWS, and LIG families by ensuring housing security.
• Housing for All: Promotes the government’s vision of “Housing for All by 2022”.

How to Apply Online for Pradhan Mantri Awas Yojana?

For PMAY Urban (PMAY-U):

1. Visit the official PMAY-U website: pmaymis.gov.in
2. Click on ‘Apply for PMAY-U 2.0’ on the homepage.
3. Read the guidelines and click on ‘Proceed’.
4. Fill the eligibility form and verify Aadhaar using OTP.
5. Complete the application by uploading documents.
6. Submit and print the acknowledgement for future reference.

For PMAY Gramin (PMAY-G):

1. Visit the PMAY-G online portal or visit the nearest Common Service Centre (CSC).
2. Fill in personal details and upload the consent form.
3. Search and select your name from the SECC list.
4. Enter bank account and scheme convergence information.
5. Final registration is completed by designated government officials.

The extension of the Pradhan Mantri Awas Yojana registration deadline till December 2025 provides a golden opportunity for millions of Indian families to secure affordable housing. Whether you live in an urban or rural area, understanding your eligibility and applying with the correct documents can help you benefit from this transformative housing scheme.

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