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Last Updated: May 21, 2026
Pradhan Mantri Awas Yojana (PMAY) is a housing scheme launched by the Government of India to provide affordable housing for economically weaker sections, low-income groups and middle-income families. Under this scheme, eligible beneficiaries receive financial assistance and interest subsidy for house construction or purchase.
Official Website| Scheme Name | Pradhan Mantri Awas Yojana (PMAY) |
|---|---|
| Launched By | Government of India |
| Department | Ministry of Housing and Urban Affairs |
| Objective | Affordable Housing for All |
| Beneficiaries | Urban and Rural Families |
| Application Mode | Online / Offline |
| Official Website | pmaymis.gov.in |
PMAY provides interest subsidy under Credit Linked Subsidy Scheme (CLSS). Subsidy amount depends on applicant category and annual income.
| Category | Annual Income | Interest Subsidy |
|---|---|---|
| EWS | Up to ₹3 Lakh | 6.5% |
| LIG | ₹3 Lakh to ₹6 Lakh | 6.5% |
| MIG-I | ₹6 Lakh to ₹12 Lakh | 4% |
| MIG-II | ₹12 Lakh to ₹18 Lakh | 3% |
PMAY is a government housing scheme that provides affordable housing and subsidy benefits to eligible citizens.
Economically weaker sections, low-income groups and eligible middle-income families can apply.
PMAY provides interest subsidy on home loans under the CLSS scheme.
Applicants can check beneficiary list online using Aadhaar number or application ID.