PM Awas Yojana · PMAY 2.0 · Updated March 2026
Complete guide on PM Awas Yojana apply online, eligibility, PMAY Gramin & Urban list check, PMAY status with Aadhaar, subsidies — Housing for All.
What is PMAY?
Pradhan Mantri Awas Yojana (PMAY), also called PM Awas Yojana or Pradhanmantri Awas Yojna, is India's flagship housing scheme launched on 25 June 2015 under the "Housing for All" mission. It provides interest subsidies up to ₹1.80 lakh to urban families (PMAY Urban) and direct financial assistance of ₹1.20–₹1.30 lakh to rural households (PMAY Gramin / PM Awas Gramin) for constructing pucca (permanent) homes. Apply online at pmaymis.gov.in (urban) or pmayg.nic.in (gramin).
PMAY ensures every eligible household — urban or rural — owns a safe, permanent (pucca) home with basic amenities including water supply, power, and sanitation by targeting EWS, LIG, and MIG families.
Urban beneficiaries get interest subsidies on home loans. Rural (gramin) beneficiaries receive direct financial transfers of ₹1.20–₹1.30 lakh via DBT (Direct Benefit Transfer) for constructing pucca houses.
For EWS and LIG categories under PMAY Urban, a female family member must be the owner or co-owner of the house — promoting women's property rights across India.
The entire process — from pradhan mantri awas yojana apply online to PMAY status check with Aadhaar — is available at the official pmaymis.gov.in portal for complete transparency and accountability.
| Scheme Name | Pradhan Mantri Awas Yojana (PMAY) / PM Awas Yojana / Pradhanmantri Awas Yojna |
| Launch Date | 25 June 2015 |
| Governing Ministry | Ministry of Housing & Urban Affairs (Urban) + Ministry of Rural Development (Gramin) |
| PMAY Urban Portal | pmaymis.gov.in / pmay-urban.gov.in |
| PMAY Gramin Portal | pmayg.nic.in / rhreporting.nic.in |
| Urban Subsidy (2026) | 4% p.a. interest subsidy on first ₹8 lakh of home loan — total benefit up to ₹1.80 lakh |
| Gramin Assistance | ₹1.20 lakh (plain areas) / ₹1.30 lakh (hilly/NE states) via DBT |
| PMAY Gramin Extended | Up to March 2029 — target 2 crore additional rural houses |
| Helpline Numbers | 1800-11-3377 / 1800-11-3388 / 1800-11-6163 (Toll Free) |
| Formerly Known As | Indira Awas Yojana (IAY) — renamed PMAY-G from 1 April 2016 |
Scheme Components
The Pradhan Mantri Awas Yojana has two wings: PMAY-U (Awas Yojana Urban) for city families, and PMAY-G (Pradhan Mantri Gramin Awas Yojana / PM Awas Gramin) for rural households. The gramin scheme was formerly known as Indira Awas Yojana (IAY).
For families in cities and towns. Ministry of Housing & Urban Affairs. Apply at pmaymis.gov.in.
For rural households in kutcha/dilapidated homes. Ministry of Rural Development. Apply at pmayg.nic.in.
Who Can Apply?
Before applying for PMAY online, verify you meet the eligibility criteria for Pradhan Mantri Awas Yojana 2026. Income limits, property ownership rules, and Aadhaar linkage are mandatory requirements.
| Category | Annual Household Income | Scheme | Key Benefit |
|---|---|---|---|
| EWS (Economically Weaker Section) | Up to ₹3 Lakh/year | PMAY Urban | Interest subsidy + female ownership mandatory |
| LIG (Low Income Group) | ₹3 Lakh – ₹6 Lakh/year | PMAY Urban | Interest subsidy; female co-ownership mandatory |
| MIG (Middle Income Group) | Up to ₹9 Lakh/year | PMAY Urban | Interest subsidy up to ₹1.80 lakh on home loan |
| Rural Households (kutcha/homeless) | BPL / SECC-2011 listed | PMAY Gramin | Direct transfer ₹1.20–₹1.30 lakh for construction |
| SC / ST / OBC & Minorities | As per category | Both | Priority inclusion in both urban and gramin lists |
| Widows, Disabled, Elderly | BPL / income criteria | PMAY Gramin | Auto-included in priority categories (Awaas+ survey) |
Step-by-Step Guide
Applying for Pradhan Mantri Awas Yojana online is completely free. Apply via pmaymis.gov.in (urban) or pmayg.nic.in (gramin), or visit your nearest Common Service Centre (CSC).
Go to the official PMAY MIS portal at pmaymis.gov.in or pmay-urban.gov.in on your browser.
Select beneficiary type: "For Slum Dwellers" or "Benefit Under Other 3 Components" (AHP, BLC, ISSR).
Enter your 12-digit Aadhaar number. An OTP is sent to your Aadhaar-registered mobile. Enter OTP to proceed.
Enter personal details, annual income, Aadhaar-linked bank account, property details, and all family members' information.
Submit the form. Save your Assessment ID — use it to track your PMAY status or download your application.
Inform your home loan bank or HFC about your PMAY application. They forward the subsidy claim to NHB/HUDCO.
Visit pmayg.nic.in → Awaassoft → Report → H Section → Check your name in the PMAY Gramin list by selecting State, District, Block, and Gram Panchayat.
If your name is not in the PM Awas Gramin list, contact your Gram Panchayat to be included in the Awaas+ survey. New beneficiaries are being added in 2025–26.
Selected beneficiaries are verified at the Gram Sabha level. Attend the Gram Sabha meeting and confirm your details are correct.
Complete Aadhaar-based e-KYC on the PMAY-G portal. Ensure your bank account is Aadhaar-linked for Direct Benefit Transfer (DBT) of funds.
Funds are released in installments. Upload geo-tagged photos at foundation, lintel, and completion stages to trigger each installment release.
Beneficiary List 2026
The PM Awas Yojana list — also called PMAY Gramin list 2026, PM Awas Gramin list, Pradhan Mantri Awas Yojana list, or PMAY Urban beneficiary list — is publicly accessible online. Check if your name appears in the pradhan mantri awas yojana list below.
Awaas+ is a new survey adding rural beneficiaries missed in SECC-2011 data. Eligible families in kutcha/dilapidated houses not in PMAY list can register via the Awaas+ app or through their Gram Panchayat office. The PM Awas Plus survey is active in 2025–26 across all states.
Track Your Application
Check your PM Awas status, PMAY status, PMAY Urban status, or PM Awas Gramin status at any time using your Aadhaar number, Assessment ID, or mobile number on the official portals.
Go to pmaymis.gov.in → "Track Your Assessment Status" → Enter your Assessment ID or mobile number / Aadhaar to check your PMAY application status in real time. Works for checking pradhan mantri awas yojana status for all urban applicants.
Visit pmaymis.gov.in → "Search Beneficiary" → Enter your 12-digit Aadhaar number → Submit. Check if your PMAY application is approved, pending, or under verification. This is the fastest way to do PM Awas status check with Aadhaar for both urban and gramin beneficiaries.
Visit pmayg.nic.in → Awaassoft → Beneficiary → Enter your Registration Number to check PM Awas Gramin status and see which installments (kist) have been released to your Aadhaar-linked bank account.
State-wise PMAY Beneficiary List
Check your state's Pradhan Mantri Awas Yojana Gramin list 2026. Select your state to view PM Awas Gramin beneficiary list by district, block, and Gram Panchayat at pmayg.nic.in.
All state-wise PMAY Gramin lists are available at pmayg.nic.in → Awaassoft → Report → H-Section → Select your state
Required Documents
Keep all documents ready before filling the PMAY online application or visiting your bank or CSC centre. Missing documents are the most common reason for PMAY application rejection.
Frequently Asked Questions
Everything you need to know about PM Awas Yojana — from eligibility, subsidy, and list check to apply online and status tracking — answered clearly and concisely.
Official Government Portals
Always use official government websites for PM Awas Yojana apply online, PMAY status check, and Pradhan Mantri Awas Yojana list check. Beware of fake portals and fraudulent agents.
Hindi / हिंदी
प्रधानमंत्री आवास योजना (PMAY), जिसे पीएम आवास योजना, प्रधानमंत्री आवास योजना ग्रामीण या प्रधानमंत्री ग्रामीण आवास योजना भी कहते हैं, भारत सरकार की प्रमुख आवास योजना है। इसे 25 जून 2015 को "सभी के लिए आवास" के लक्ष्य के साथ शुरू किया गया था।
शहरी (PMAY Urban): pmaymis.gov.in पर ऑनलाइन आवेदन करें। EWS, LIG और MIG श्रेणी के परिवारों को होम लोन पर 4% ब्याज सब्सिडी (अधिकतम ₹1.80 लाख) मिलती है।
ग्रामीण (PM Awas Gramin / PMAY-G): pmayg.nic.in पर जाकर अपना नाम पीएम आवास ग्रामीण लिस्ट में देखें। पात्र ग्रामीण परिवारों को ₹1.20–₹1.30 लाख सीधे बैंक खाते में (DBT) मिलते हैं। आधार कार्ड अनिवार्य है। आवेदन बिल्कुल मुफ्त है।
हेल्पलाइन: 1800-11-3377 | 1800-11-6163 (टोल फ्री)