PM Awas Yojana Registration Deadline Extended: Eligibility, New Last Date & Step‑by‑Step Application Guide

The Pradhan Mantri Awas Yojana (PMAY) is a flagship initiative by the Government of India aimed at ensuring “Housing for All” by 2022. The scheme primarily targets economically weaker sections (EWS), low-income groups, and marginalized communities by providing financial assistance for constructing or upgrading pucca houses. It focuses on both rural and urban areas to eradicate homelessness and improve living standards.

PMAY is divided into two components:

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• PMAY-Urban (PMAY-U): Focuses on urban beneficiaries.
• PMAY-Gramin (PMAY-G): Focuses on rural beneficiaries.

The scheme’s deadline for registration has been extended until December 2025, enabling more people to avail benefits.

Summary Table: Pradhan Mantri Awas Yojana (PMAY)

Objectives and Benefits of PMAY

The core objective of PMAY is to provide affordable, safe, and sustainable housing to eligible families by offering:

• Subsidised home loans with interest subsidies.
• Financial aid for house construction or renovation.
• Priority support to Scheduled Castes (SC), Scheduled Tribes (ST), minorities, and other vulnerable groups.
• Support for slum dwellers and families without permanent shelter.

The scheme has already transformed the lives of over 92.61 lakh households by providing them pucca houses, which significantly enhances health, security, and economic opportunities.

Eligibility Criteria for PMAY

General Criteria

Beneficiaries are chosen based on several factors, including income level, social category, and current housing conditions. Applicants who do not own a permanent house are eligible to apply.

Eligibility Under PMAY-Urban (PMAY-U)

Applicants are divided into income categories as follows:

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• Economically Weaker Section (EWS): Annual household income up to Rs. 3 lakh. No existing pucca house anywhere in India.
• Lower Income Group (LIG): Annual income between Rs. 3 lakh and Rs. 6 lakh. Must not own a pucca house.
• Middle Income Group-I (MIG-I): Annual income between Rs. 6 lakh and Rs. 9 lakh. No ownership of pucca house.
• Slum Dwellers: Residents of slum areas in urban localities qualify irrespective of income.

This classification helps direct housing subsidies and loans to those who genuinely lack proper housing in urban areas.

Eligibility Under PMAY-Gramin (PMAY-G)

The rural scheme prioritizes:

• Households recorded in the Socio-Economic and Caste Census (SECC) 2011 data.
• Families living in kutcha houses (temporary, made of mud, thatch, or other non-permanent materials).
• Households without any shelter.

Exclusion Criteria
Certain households are not eligible, including those who:

• Live in a pucca (permanent) house.
• Own motorized vehicles or mechanized agricultural equipment.
• Have Kisan Credit Cards with a credit limit over Rs. 50,000.
• Have any government employee in the family.
• Pay income or professional tax.
• Own consumer goods like refrigerators or landline phones.
• Possess large irrigated land holdings.

These exclusions ensure that only the most economically vulnerable rural households benefit from PMAY-G.

Target Beneficiaries

PMAY-Urban Target Groups

• Daily wage labourers
• Rickshaw pullers and auto drivers
• Street vendors and informal service providers
• Industrial workers
• Migrant workers in the EWS and LIG categories
• Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), and minorities
• Widows belonging to EWS and LIG categories

PMAY-Gramin Target Groups

• Scheduled Castes (SC) and Scheduled Tribes (ST)
• Homeless families without permanent shelter
• Destitute individuals and manual scavengers
• Primitive tribal groups and legally freed bonded laborers

How to Apply for PMAY Online

The application process varies slightly between the urban and rural schemes but can be completed entirely online for convenience.

Steps to Apply for PMAY-Urban (PMAY-U)

1. Visit the Official PMAY-U Website:
   Navigate to https://pmaymis.gov.in.
2. Select the Application Link:
   Click on ‘Apply for PMAY-U 2.0’.
3. Read Instructions:
   Go through the guidelines carefully and click ‘Click to Proceed’.
4. Check Eligibility:
   Fill in the eligibility form with income and housing details and submit to check if you qualify.
5. Enter Aadhaar Number:
   Provide your Aadhaar details and verify with OTP.
6. Complete the Application Form:
   Fill in all personal, income, and family details.
7. Upload Required Documents:
   Submit scanned copies of Aadhaar, income proof, bank details, and land ownership documents.
8. Submit and Print Application:
   Save your application and print a copy for your records.

Steps to Apply for PMAY-Gramin (PMAY-G)

1. Visit the PMAY-G Website:
   Go to https://pmayg.nic.in.
2. Enter Personal Information:
   Fill in your name, Aadhaar number, and other details.
3. Search for Beneficiary Status:
   Check if your name appears in the beneficiary list.
4. Register and Provide Bank Details:
   Complete the registration by entering bank account information.
5. Submit Consent Form:
   Upload any required consent and affidavits confirming eligibility.
6. Final Verification:
   The local authorities will verify your details before approval.

Documents Required for PMAY Application

For PMAY-Urban

• Aadhaar card of applicant and family members.
• Income certificate or proof.
• Bank account details linked with Aadhaar.
• Land ownership or property documents (if applicable).

For PMAY-Gramin

• Aadhaar card.
• MGNREGA job card.
• Bank passbook or account details.
• Swachh Bharat Mission (SBM) registration number (if applicable).
• Affidavit stating non-ownership of a pucca house.

Benefits of Pradhan Mantri Awas Yojana

• Interest Subsidy: Beneficiaries receive interest subsidies up to 6.5% on housing loans under the Credit Linked Subsidy Scheme (CLSS).
• Affordable Housing: Enables economically weaker sections to build safe and durable homes.
• Social Inclusion: Prioritizes disadvantaged groups, including SC, ST, minorities, and women-headed households.
• Slum Rehabilitation: Provides a path for slum dwellers to transition into formal housing.
• Employment Generation: Construction of homes stimulates local economies and creates jobs.

Checking Application Status

Applicants can check the status of their PMAY registration online:

• Visit the respective portal (PMAY-U or PMAY-G).
• Use your application number or Aadhaar to log in.
• View approval status, subsidy disbursal, or any additional requirements.

This digital tracking ensures transparency and convenience.

Official Links for PMAY

• PMAY Urban: https://pmaymis.gov.in
• PMAY Gramin: https://pmayg.nic.in

Applicants are encouraged to use only these official websites to avoid fraudulent practices.

Frequently Asked Questions (FAQs)

Q1. Who is eligible for PMAY?

A1. Individuals or families without a permanent pucca house, belonging to specified income groups (EWS, LIG, MIG), scheduled castes, scheduled tribes, and other vulnerable categories in urban and rural areas.

Q2. Can I apply for PMAY if I already own a house?

A2. No, ownership of a pucca house disqualifies you from the scheme.

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Q3. What documents are needed to apply for PMAY?

A3. Aadhaar card, income proof, bank details linked to Aadhaar, land ownership proof (urban), and affidavits confirming no pucca house (rural).

Q4. Is there an online application facility?

A4. Yes, applications for both PMAY-U and PMAY-G can be completed online via their official portals.

Q5. What is the last date to apply for PMAY?

A5. The registration deadline has been extended till December 2025.

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Q6. How do I check the status of my application?

A6. Visit the official PMAY website and use your application number or Aadhaar number to track status.

Q7. Does PMAY provide subsidies on housing loans?

A7. Yes, under the Credit Linked Subsidy Scheme (CLSS), eligible beneficiaries receive interest subsidies on home loans.

Conclusion

The Pradhan Mantri Awas Yojana is a transformative program that addresses India’s critical housing shortage by providing financial support and facilitating home ownership among economically weaker and vulnerable populations. With the extended deadline till December 2025, eligible beneficiaries should take advantage of the simplified online application process to secure their homes and improve their quality of life.

For more information and to apply online, visit the official PMAY portals:

• Urban: https://pmaymis.gov.in
• Gramin: https://pmayg.nic.in

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