How to apply for PMAY housing subsidy — Urban + Rural (2026)

• PMAY-U: First-time home buyer · Annual income < Rs 6L (EWS), Rs 12L (LIG), Rs 18L (MIG-I), Rs 18-25L (MIG-II) · No pucca house anywhere in India
• PMAY-G: SECC 2011 deprivation criteria · No motorised 2-wheeler · No mechanised agri equipment · No bank loan above Rs 50K

1. Check eligibility (PMAY-U 2.0) — pmay-urban.gov.in/PMAYMIS/Open/Beneficiary_DetailsViewer.aspx — verify income + first-home + no land status.
2. PMAY-U: Apply online at pmaymis.gov.in — Fill Aadhaar + family income + employment proof. No fee.
3. PMAY-U: Apply via bank/HFC — When taking home loan, bank applies CLSS on your behalf. Subsidy credited to loan account.
4. PMAY-G: Check SECC 2011 inclusion — awaassoft.nic.in/netiay/Benificiary.aspx — search by Aadhaar / name / state. If not in list, apply for review at Block Office.
5. PMAY-G: Block-level verification — BDO + Patwari verify house condition + Aadhaar + bank account.
6. PMAY-G: Approval + sanction — Sanction in 3 instalments: Rs 25K (foundation) + Rs 50K (lintel) + Rs 50K (completion) — bank-credited.
7. PMAY-G: Construction monitoring — GIS-tagged photos at each stage. Geotagging mandatory before next instalment.
8. Track status — pmaymis.gov.in (urban) or awaassoft.nic.in (gramin). e-Receipt for both.

• Online portal: PMAY portal
• Offline: PMAY-U: Bank/Housing Finance Co (HFC) at home loan stage; or municipal helpdesk. PMAY-G: Block Development Office, Gram Panchayat.
• Fee: Free application · CLSS subsidy: 3-6.5% on loan up to Rs 6L · Direct grant (gramin): Rs 1.2-1.3L
• Timeline: PMAY-U: 30-90 days for CLSS subsidy credit · PMAY-G: 6-12 months from sanction to completion + final instalment

See our complete checklist: Documents required for pmay housing — covers mandatory + optional + size/format specs.

• PMAY-U 1.0 application stuck — old applications honoured till March 2022 deadline. Anything later: PMAY 2.0 norms apply.
• SECC 2011 not showing your name — apply for Awaas Plus list inclusion at Block Office; verification by BDO.
• Bank refusing CLSS — approach SLBC (State-Level Bankers Committee) coordinator; cite RBI master circular on CLSS.
• Instalments delayed — file RTI to BDO + DRDA citing PMAY-G Operational Guidelines.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. The name + designation of the dealing officer assigned to my file.
3. The reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. The likely date of issuance of my certificate / approval.

Auto-fill the PIO details + your case: Open the RTI Drafter →

Or browse state-wise scheme procedures: All state portals + RTI templates

Track your application status: How to check status guide

PMAY 2.0 launched Sept 2024: revised income limits, focus on EWS/LIG, new urban poor categories. Apply at pmay-urban.gov.in.

No — only first pucca house. Renovation of existing pucca house also not covered.

Yes — own house plot needed. Landless: state govt provides plot first under Indira Awaas Yojana (Land) component.

No — both CLSS and direct grant are exempt under §10(15A) Income Tax Act.

File RTI to MoHUA / BDO. Use our PMAY RTI generator.

• How to check status — 25 high-traffic services
• Documents required — 30 checklists
• All state RTI portals
• Full RTI Playbook — 100+ scenarios

• Official portal: https://pmay-urban.gov.in
• Citizen feedback collected via AwaazRTI (composite, identifying details removed).
• Statutory references: see relevant Act sections.

Last reviewed: 25 April 2026.