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Step-by-Step Guide to Apply for PMAY Online

Apr 01 2025

Check Your Eligibility

Income Categories:

  • EWS (Economically Weaker Section): Annual income up to ₹3 lakh

  • LIG (Low Income Group): Annual income between ₹3 lakh and ₹6 lakh

  • MIG-I (Middle Income Group-I): Annual income between ₹6 lakh and ₹12 lakh

  • MIG-II (Middle Income Group-II): Annual income between ₹12 lakh and ₹18 lakh

Exclusions:

  • Annual income exceeding ₹18 lakh

  • Ownership of a pucca house (except for upgrades under 21 sqm)

  • Previous availing of government housing benefits within the last 20 years

2. Visit the Official PMAY Portal

  • Go to PMAY Official Website.

  • Navigate to the Citizen Assessment section and click on "Apply for PMAY-U 2.0".

3. Eligibility Check & Form Submission

  • Step 1: Read the guidelines and click "Proceed".

  • Step 2: Select your State, enter annual household income, and choose a housing vertical (BLC, AHP, ARH, or ISS).

    • Note: Once selected, the vertical cannot be changed.

  • Step 3: Declare whether you own a pucca house and if you have received government housing benefits before.

4. Aadhaar Authentication

  • Enter your Aadhaar number and name (as per Aadhaar).

  • Agree to the terms, generate an OTP, and verify.

5. Complete Application & Upload Documents

Fill in your personal, family, and contact details.

Documents Required:

  • Aadhaar Card (applicant and family members)

  • Aadhaar-linked bank account details

  • Income proof (PDF format, size up to 100 KB)

  • Land ownership documents (for BLC applicants, PDF format, size up to 1 MB)

6. Submit & Track Your Application

  • Review all details before submission.

  • Track your application status online using your application number or Aadhaar number.

Offline Application Options

  • Common Service Centres (CSCs): Visit a government-run CSC and pay a fee of ₹25.

  • Empaneled Banks: Submit your form at banks like SBI, HUDCO, etc., to apply for credit-linked subsidies.

PMAY-U 2.0: Housing Verticals

1. Beneficiary-Led Construction (BLC):

  • Assistance of ₹2.5 lakh for EWS families to build houses on their own land.

2. Affordable Housing in Partnership (AHP):

  • Subsidized flats (30-45 sqm) in government or private projects.

3. Affordable Rental Housing (ARH):

  • Rental housing options for EWS/LIG through government-private models.

4. Interest Subsidy Scheme (ISS):

  • Home loan interest subsidy up to ₹1.8 lakh for EWS, LIG, and MIG.

Important Tips for Applicants

  • Verify your income category and housing vertical before submitting.

  • Ensure that your Aadhaar is linked to your bank account.

  • Regularly monitor your application status on the PMAY portal.

Grievance Redressal & Contact Information

  • Complaint Portal: Lodge grievances at the PMAGY Grievance Portal.

  • Helpline Numbers:

    • NHB Toll-Free: 1800-11-3377

    • SBI Toll-Free: 1800-11-2018

    • HUDCO Toll-Free: 1800-11-6163

  • Ministry Contact Numbers: 011-23060484, 011-23063620

Stay Updated

PMAY deadlines and criteria may change yearly. Always verify the latest updates on the official PMAY portal before applying.

By following this guide, eligible applicants can seamlessly apply for PMAY 2025 and benefit from affordable housing schemes