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Pradhan Mantri Awas Yojana

Eligibility Criteria under the Pradhan Mantri Awas Yojana

Eligibility Criteria under the Pradhan Mantri Awas Yojana

The Pradhan Mantri Awas Yojana was implemented in 2015. It has two separate components, one for the people living in urban areas and the other to meet the requirements of people living in the rural regions. According to the requirements of the people living in these areas, the eligibility criteria are different.

 

Eligibility Criteria under the Pradhan Mantri Awas YojanaPMAY Urban Eligibility Criteria

    1. For candidates of EWS – All applying candidates who do not earn more than 3 lakhs during each financial year, they will be categorized as EWS or Economically Weaker Section. They will stand a chance to get a new permanent home under the program.
    2. For LIG candidates – This category will consist of candidates who have an annual earning that is m more than 3 lakhs but does not exceed the mark of 6 lakhs. This category is termed as Low Income Group.
    3. For middle income groups (MIG 1 and 2) – The Middle Income Group has been divided into two separate sections. The MIG1 consists of all those individuals who earn no more than 12 lakhs during one financial year. They will get a credit of 9 lakhs. The MIG2 consist of those candidates who get a yearly remuneration that is not more than 18 lakhs. They will acquire a credit of 12 lakhs.
    4. Women candidates – Apart from the above mentioned groups, even single women and widows, who do not have any other earning members in the family, will be allowed to submit an application to get a new home.
    5. Under privileged classes – It has been mentioned in the draft of this scheme that all under-privileged classes like OBC, SC, ST, who meet the other requirements, will be allowed to apply for this scheme. Any person who falls in the minority group will be able to apply under this welfare program.
    6. No access to pucca home – The most important eligibility criteria, that all people need to fulfill, no matter which income group they belong to is they must not own a permanent house in any state.

    PMAY Rural Eligibility Criteria

    1. Residence related criteria – Much like the urban scheme, it has been highlighted in the rural scheme that only those candidates will be allowed to apply for a home if they live in the rural areas.
    2. No permanent home – Though no specific income related criteria has been mentioned for the people in the rural area, it has been mentioned that only those candidates will be able to apply for a new permanent house, if they did not have a permanent abode. People who lived in rented homes can also apply under this scheme.
    3. Person needs to have his name in SECC 2011 list.
    4. Applicant having women would be given preference

Updates

06/05/2018

Modi Ji aims to get all the eligible person a pucca house before 2022

Other Article 

  1. Pradhan Mantri Awas Yojana Gramin (Rural Housing Scheme)
  2. Pradhan Mantri Awas Yojana Phase 1 2 And 3

Reader Interactions

Comments

  1. Sumita says

    April 1, 2016 at 4:29 am

    I want this scheme. Our household income is low. we belongs to LIG group.

    LIG: LIG or Low Income Group people are also eligible to get benefits under PMAY. To be classified under LIG you will have to prove that your annual household income is between Rs. 3lakh and 6 lakh.

    Reply
  2. Ravi Jha says

    April 3, 2016 at 4:51 am

    plzz give any important notification regarding this yojana on my email address

    Reply
    • suman says

      November 13, 2017 at 7:45 am

      Hi,

      My salary is less than 12 lakhs.I have applied bank loan in HDFC.Shall i get MIG1 with the loan.

      Reply
  3. Neelesh Jain says

    April 3, 2016 at 1:20 pm

    I want the detail of scheme PMAY:
    1. How to get the preject registered with Govt Dept by the builder
    2. Detail of respective dept with Mail id & Contact detail in respective states like Navi Mumbai Maharashtra,
    3. How to apply by an individual for availing the benefits : like detail of authority, Form to be filled up, Any help line to get the detail.

    Reply
  4. Swarup Karmakar says

    September 3, 2016 at 2:52 am

    I am from OBC caste, annual income is below 150000/-, how can I apply for this scheme?

    Reply
  5. Ayyappadas says

    August 30, 2017 at 7:52 am

    I am a defense employee. I belongs to obc category. My annual income is between 3-4 lakhs.I’m the only income source of my family.my family belongs father ,mother,younger brother and grand mother. I am 25 yeras old.can I apply for this scheme?

    Reply
  6. neha says

    September 18, 2017 at 6:03 pm

    Hi am female employee in MNC company with annual income 6 to 12 lacks. I have registered flat in Pune , Pisoli area in Jan 2015. However, I still have not received possession. Please suggest if still I can avail pradhan Mantri Awas yojana Urban area.

    Reply
    • mohan says

      November 9, 2017 at 5:37 pm

      hii, have u made inquiry at your bank to apply to the scheme PMAY?

      Reply
    • Abhijit Saha says

      November 18, 2017 at 6:54 pm

      I have booked a flat recently and my annual income is between 6-7 Lakh .ldont have any pica house in my name except our hereditary house which is in the name of my late father. Am I eligible?

      Reply
  7. Ajit More says

    September 21, 2017 at 2:32 pm

    I purchase one flat in mumbai in 2017 maharashtra, by selling my first old flat in 2014.Can i eligible for pradhan mantri aawas yojana?

    Reply
  8. Dhananjay kumar says

    September 23, 2017 at 7:20 am

    I recently baought a house in uttam nagar delhi in 2016.
    my income is 4 lakh per year am i eligible to get pradhan mantry awas yojna.As people sujezting that only lady can be benifited if the property is in her name.
    Please suggest.

    Reply
    • Hiren sevak says

      May 3, 2018 at 3:22 am

      Dear concern
      I already done home loan from central bank. In which me and my mother both jointly named. In home dastavej both name joint , so after loan section and the first holder is male so can we avail this benifits.

      Reply
  9. Ramesh says

    September 24, 2017 at 11:12 am

    We are a family with husband, wife & 3 small children. Both our income put together is 6,00,000/- per year. We are planning to buy a house in both our names in mulky, Mangalore. We don’t have any property in our name. How much we will be eligible. Please help me.

    Reply
  10. Sahaj says

    September 26, 2017 at 1:22 pm

    Guys my household income is low but we belong to general category why cant we apply

    Reply
    • PMAWASYOJANA says

      September 26, 2017 at 6:34 pm

      yes you can apply

      Reply
  11. Rafique says

    September 26, 2017 at 2:45 pm

    Is this scheme applicable to women only? i mean if a man is purchasing his first property (whose income range is between 3 lakhs to 6 lakhs) on his own name, is he eligible under this scheme?

    Reply
    • PMAWASYOJANA says

      September 26, 2017 at 6:34 pm

      Yes he is eligible.

      Reply
      • Shiv Kumar says

        November 18, 2017 at 11:55 am

        Sir,
        I am Shiv Kumar ibelong to schedule caste ,I had purchased duplex 1040 square feet in Bhopal and registered with my name .sir am I eligible for pmay scheme?

        Reply
  12. Narendra says

    September 27, 2017 at 1:19 pm

    Dear sir/Mam,
    I have loan of 27 lacks from last 2 years & my annual income is 6.25 Lacs, If I belong to backward class then 1st will I eligible for PMAY scheme. If yes then how do I process to avail this benefit from my lender

    Reply
    • PMAWASYOJANA says

      September 27, 2017 at 5:53 pm

      this scheme is only for first time home buyers. Since you have taken home 2 years back so cannot avail this benefit.

      Reply
      • Anurag Sharma says

        October 27, 2017 at 9:43 am

        From when is this scheme applicable?

        I took my first home loan in Nov 2015 from HDFC, am I eligible for converting my current home loan under the PMAY?

        Reply
  13. Rajasekaran says

    September 27, 2017 at 5:55 pm

    I took house loan and constructed a house in 2012, it’s my first house and I meet all the eligible criteria. Shall i apply for this scheme now to avail interest subsidies

    Reply
  14. sunil kaul says

    September 28, 2017 at 3:15 pm

    hii…i have purchased a flat in pune recently under the subvension.scheme given.by the builder. I was informed that i will be eligible for pradhan mantri awaas yojna. But now at this point they are saying that i cannot get it because i have taken the subvension scheme from the builder.I want to confirm if they are saying the truth .please confirm.

    Reply
    • PMAWASYOJANA says

      September 28, 2017 at 5:32 pm

      please use helpline number and talk to them

      Reply
      • sunil kaul says

        September 29, 2017 at 9:27 pm

        hii…i have purchased a flat in pune recently under the subvension.scheme given.by the builder. I was informed that i will be eligible for pradhan mantri awaas yojna. But now at this point they are saying that i cannot get it because i have taken the subvension scheme from the builder.I want to confirm if they are saying the truth .please confirm.

        please provide helpline no

        Reply
  15. Vikas gupta says

    September 28, 2017 at 4:45 pm

    Sir I have purchased my first flat on my wife name my loan sanctioned on 26 July 2016 and got my possession on november 2016 my total loan amount was 29 lack and my gross income was 6.4 lac at that time now may I avail this scheme since at that time I was unaware of such scheme so pl suggest me .

    Reply
    • PMAWASYOJANA says

      September 28, 2017 at 5:31 pm

      no /, now you cannot avail this scheme.

      Reply
  16. Sanu says

    October 6, 2017 at 6:16 am

    Hi,

    I had booked my flat in May-2016 under subvention plan. Having home loan of Rs. 22 lakhs from PNBHFL which was already paid by PNBHFL in May-2016. I am in Income Group of 6 to 7 Lakhs in a year.

    However I have not received my possession till date from buyer.

    Am I eligible to avail benefits under PMAY scheme and how much amount ?????? Also suggest criteria to approach for this activity.

    Reply
  17. Jyoti says

    October 8, 2017 at 9:57 am

    I am divorcee, I have by flat in pune , so I want to know Divorce women is applicable or not for this scheme, If yes then please share me all details.

    Reply
    • Nilesh khandare says

      November 13, 2017 at 3:35 am

      Sir / Madam I am living in tahshil of akola dist. In Maharashtra .Want to get this yojana so please send me details ex. Which documents , where to submit.

      Reply
  18. Phanindra Avadhanula says

    October 9, 2017 at 3:00 pm

    thank u for ur information sir. would u please tell me sir how many square feets of house to be constructed.please explain briefly sir. my house place is 164 square feets.

    Reply
  19. Sandip soni says

    October 10, 2017 at 5:23 pm

    I am selected lucky one who’s PMAY scheme home. But i am trying for a loan about pending amount. But all bank is refused for loan. I have a all types of necessary document but also bank is told excuse and some banks is clearly say they are not approve home loan for PMAY SCHEME.

    Reply
  20. girija says

    October 12, 2017 at 5:17 am

    Hi

    I’m unmarried working women, total income of mine and my dad will sum upto 4lakh per annum. We are currently living in a place owned by my grandpa. Would like to get the home constructed properly. am i or my dad eligible for availing this scheme

    Reply
  21. Keshav 988083 says

    October 12, 2017 at 2:33 pm

    I AM GOVT EMPLOYEE COMES UNDER MIG CATOGERY. I HAVE PURCHASED A HOUSE IN MY WIFE AND MY NAME DURING NOVEMBER 2015. DO I ELIGIBLE FOR PMAY. WHEN I ENQURIRED THE BANK PEOPLE TOLD THE SCHEME IS EFFECTIVE FROM JAN 2017 ONWARDS. PL CONFIRM 988

    Reply
  22. mayukh kr.choudhury says

    October 19, 2017 at 5:28 am

    I belonging to the general category,earning below Rs 60000 in a year have purchased a flat drawing a loan of Rs 1000000..i want to know whether i will get the benefit of subsidies of PMAY..

    Reply
  23. Krishnamurthy says

    October 19, 2017 at 10:30 am

    The apartments which I purchased in Perumbakkam Chennai was purely rejected under PMAY scheme was only due to that it is in Perumbakkam

    I don’t understand why it was not sanctioned by the Housing Loan people. I had got the housing loan.

    Reply
  24. Vishal Ashok Kumbhar says

    October 21, 2017 at 9:34 am

    Namaskaar Sir,
    I want to buy a flat in pune. this is my first house also i belong to OBC caste. am i eligible for this scheme.my annual income is 12 lakhs. currently i m situated n Kuwait so wanted to know as how to go ahead with the process for applying same and availing benefit.

    Reply
  25. Amit says

    October 23, 2017 at 5:36 pm

    I want to buy a flat in Mumbai. I am looking for loan around 27 lakh. My Annual Pay is around 4 Lakh. Will I be eligible for PMAY scheme. I would be taking loan in join with my Mother or wife. If yes, under which scheme I fall. Kindly suggest, thank you in advance.

    Reply
  26. jakir says

    November 8, 2017 at 5:47 pm

    Me and my brother we R planning to purchase house in grampanchayat in partnership is we R eligible

    Reply
  27. manojkumar nahak says

    November 15, 2017 at 11:19 am

    loan has been sanctioned & disbursed on 28/02/2017 but property is registered on 08/03/2017.

    my ploy is approved by DTCP & Building is approved by Panchayat. whether i am eligible for scheme.

    If not whether i am eligible if i transfer loan to other bank

    Regards
    Manoj

    Reply
  28. Rajesh says

    November 16, 2017 at 4:36 am

    Is it only for woman or men also

    Reply
    • PMAWASYOJANA says

      November 16, 2017 at 7:36 am

      it is for both

      Reply
  29. Ashish says

    November 16, 2017 at 1:53 pm

    Which salary is considered for income gross or net salary?

    Reply
  30. Shiv Kumar says

    November 18, 2017 at 12:19 pm

    Sir,
    I am Shiv Kumar ibelong to schedule caste ,I had purchased duplex 1040 square feet in Bhopal and registered with my name .sir am I eligible for pmay scheme?

    Reply
  31. sanjib chaki says

    November 18, 2017 at 2:48 pm

    I want to avail interest subsidy under PM Awas Yojana. I fall into MIG-I category. But I inherited a part of a house property from the side of my father.
    Will I be eligible for interest subsidy as above?
    Please clarify.

    Reply
  32. Thirumurugan says

    November 20, 2017 at 1:34 pm

    Hi am serving in Indian army last may month I was purchased 1 acre agriculture land in my village but I have a no own resident or house I can eligible for this PM awas yojana loan .

    Reply
  33. Piyush Pareek says

    November 21, 2017 at 12:53 pm

    I was having one home at Jaipur, I have sold out that flat, since I have moved out professionally from jaipur and started to work at Ahmedabad.

    Now I have purchased one flat at Gandhinagar ( at this point of time this is my first property), whether I am eligible for PMAY scheme or not ??

    Please guide ?

    Reply
  34. Niti Sheth says

    November 21, 2017 at 3:53 pm

    Hi My Annual income is 4 lac and my Husband’s income is 5.4 lac (total family income is 9.4 Lac which falls under MIG 1 group). i am having a loan of 20 lacs from India bulls Home loan for a tenure of 30 years which got sanctioned in the month of May 2017 (1st EMI Paid on 10th May 2017 and till now 7 EMI paid). this is my first home and my husband does not own any property on his name. request to please let me know whether i am eligible to get PMY loan subsidiary. if yes how to apply for this scheme.

    Reply
  35. bhushan haldankar says

    November 22, 2017 at 4:43 am

    We have paid full payment through loan in Dec’2016 and got possession in oct’2017 loan amount Rs. 140000/- in EWS scheme we had apply for PMAY through union bank of india but still not update

    Reply
  36. Sunil Dhumale says

    November 22, 2017 at 12:33 pm

    My first property sale in 2016 & New property buy in 2016 & loan on this property is 26 lac & my yearly income is 6 lacs, can I still benefits PMAY sc

    Reply
  37. K.Moorthy says

    November 24, 2017 at 7:33 am

    i purchase land in salem tamilnadu for taking loan against property for 6 lakhs i wants to build a new house i am applying PMAY is eligible for me? my family income is less than 1,50,000 how to apply?

    Reply
  38. GANESH says

    January 5, 2018 at 5:11 am

    DEAR SIR
    THIS IS GANESH THITE I BOUGHT HOUSE IN BADALAPUR (MUMBAI), I M SINGLE ALSO MY ANNUAL INCOME IS 4,44,000/- SO M I ELIGILABLE FOR PMAY??
    ALSO I HAD APPLIED ONLINE AND AFTER 2 DAYS I GOT STATUS , CONTACT
    YOUR HOME LOAN BANK,AND BANK ,LOAN FROM INDIABULLS AND THEY ARE REFUSING MY REQUEST SO I NEED YOUR HELP.

    THANKING YOU
    GANESH

    Reply
  39. Shankar says

    January 5, 2018 at 5:49 am

    Hi Sir,
    My father who is 73 years old is apply for house for all scheme . My mother has a own pucca house under her name. My father is retired and getting pension so his annual income is 180000 PA.

    I work in private company and living alone.Please let me know if my father is eligible for the f house scheme

    Reply
  40. Manas Trivedi says

    April 9, 2018 at 6:14 am

    I want to apply for PMAY and my salary falls in MIG2 category. I took a loan on Aug-16 and sale deed on my name only. now they are saying that I’m not eligible because sale deed should contain husband and wife name. please advice.

    Reply
  41. M Chandorikar says

    April 16, 2018 at 7:19 am

    I have perched my home in July 2016 with home loan of Rs 2300000 from SBI Bank.
    Is it possible to get benefit under PMAY scheme??

    Reply
  42. Raghvendra says

    April 24, 2018 at 9:40 am

    I had sanctioned the home loan in august 2016 and that time my annual income is 5.50 lakhs, but that time i was not aware about this scheme. Now my present annual income is 6.20 lakhs. My Flat is on my Wife’s name and she is a house maker. I would like to know, I am eligible for this scheme or not?

    Reply
  43. Dipen Deka says

    May 5, 2018 at 6:23 am

    I belong to LIG and also have no permanent home and staying in Guwahati in a rented house since a long. think I also can apply for it. Plz reply in my email below.

    Reply
  44. Amit makhija says

    July 1, 2018 at 2:40 am

    I have one shop on my name but I don’t have home on my name. Me and my wife both are having there own business’s , If I buy new home in my wife’s name will I be eligible for the scheme .

    Reply
  45. Lourdes Heredia says

    August 23, 2018 at 11:00 am

    Hi I am an NRI , working in dubai for 3 years . My salary per month is less then 12 lakhs per month , and my husband and me don’t own a house.
    Can I apply for the PMAY subsidy.

    Reply
  46. Sachin Mulekar says

    August 24, 2018 at 7:41 am

    We (Husband & Wife) had sold out the existing flat which was in our name ( Jointly ) in June 2018. Presently We are staying on rent . We have booked a flat whose possession is expected by March-19. Are we eligible for PMAY scheme ?

    Reply
  47. Ajay Prajapati says

    September 28, 2018 at 8:16 am

    Hi I wants to apply for this scheme my mother is owning a 22 gaj home in delhi and my income is 2.8 lac per year and Falls under OBC category….am I eligible for this scheme.

    Reply

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