PM Awas Yojana 2026 provides housing subsidy up to Rs 2.67 lakh for eligible beneficiaries. Both Gramin (rural) and Shahari (urban) streams available. Here's complete eligibility and apply guide.
What is PM Awas Yojana?
Pradhan Mantri Awas Yojana (PMAY) is India's flagship housing scheme providing financial assistance to build pucca houses. The scheme has two verticals: PMAY-Gramin for rural areas and PMAY-Urban for cities.
PMAY-G (Gramin) provides direct house construction grant, while PMAY-U offers interest subsidy on home loans under CLSS (Credit Linked Subsidy Scheme).
PMAY Eligibility 2026
How to Apply
PMAY-Gramin (Rural): Apply through Gram Panchayat or CSC center. Not possible online directly. Your name must be in Awaas+ survey list.
PMAY-Urban (City): Visit pmaymis.gov.in or any bank with home loan. Submit income certificate, Aadhaar, and bank documents.
- Aadhaar Card — Mandatory for application
- Income Certificate — From local SDM/tahsildar
- Bank Passbook — For loan disbursement
- No pucca house — In your name or family
Subsidy Amounts
- EWS/LIG: 6.5% subsidy on Rs 6 lakh loan = Rs 2.67 lakh savings
- MIG-I: 4% subsidy on Rs 9 lakh loan
- MIG-II: 3% subsidy on Rs 12 lakh loan
- PMAY-Gramin: Rs 1.20 lakh flat grant (plain areas)
Final Verdict
PMAY is one of India's most valuable housing schemes — subsidy up to Rs 2.67 lakh can transform your home ownership dream. For PMAY-Gramin, ensure your name is in the Gram Panchayat list. For PMAY-Urban, apply through bank along with home loan. Helpline: 1800-11-3377.
Last Updated: May 09, 2026 | Source: pmaymis.gov.in, pmayg.nic.in