PMAY Subsidy Scheme 2025 | PMAY AWAS Yojna 2025

Pradhan Mantri Awas Yojana 2025 (PMAY 2025)

What Is PMAY Subsidy Scheme 2025?

PMAY aims to ensure housing for all citizens of India by promoting affordable housing for urban and rural populations. Under this scheme, beneficiaries receive subsidies on home loans, making home ownership more accessible.

Key Features of PMAY 2025

• Credit Linked Subsidy Scheme (CLSS): Subsidy on home loan interest rates.

• Two Components:

  • PMAY Urban (PMAY-U)

  • PMAY Gramin (PMAY-G)

• Focus on Vulnerable Sections: Priority for economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG).

• Environmental Sustainability: Promotion of eco-friendly construction methods.

PMAY Urban (PMAY-U)

PMAY Urban caters to urban dwellers who lack proper housing. It focuses on:

Eligibility for PMAY-U

1. Income Categories:

   • EWS: Annual income up to ₹3 lakh

   • LIG: Annual income between ₹3-6 lakh

   • MIG-I: Annual income between ₹6-12 lakh

   • MIG-II: Annual income between ₹12-18 lakh

2. Ownership Criteria:

   • No pucca house in any part of India.

3. Additional Requirements:

   • Female ownership mandatory for EWS and LIG categories.

PMAY Gramin (PMAY-G)

PMAY Gramin aims to provide housing to rural families without proper shelter.

Eligibility for PMAY-G

1. Target Groups:

   • SC/ST households

   • Minorities

   • Landless laborers

2. Key Criteria:

   • No pucca house.

   • Listed in the SECC-2011 database.

PMAY 2.0: What’s New?

PMAY 2.0 brings enhancements to the original scheme:

• Extended Deadlines: The scheme’s timeline has been extended to achieve its goal by 2025.

• Increased Subsidies: Higher subsidies for economically weaker sections.

• Digital Tools: Enhanced online portals for easy application and status checks.

How to Apply for PMAY 2025

Registration Process

1. Visit the Official Website:

   • PMAY Urban

   • PMAY Gramin

2. Enter Aadhaar Details: Ensure Aadhaar number matches your details.

3. Fill the Application Form:

   • Provide personal, income, and housing details.

4. Submit the Form: Verify and submit your application.

Reapplication Process

• If your previous application was rejected, you can reapply by correcting the discrepancies and submitting the updated form.

How to Check PMAY Application Status

1. Online Method:

   • Visit the official PMAY website.

   • Enter your application ID to view the status.

2. Offline Method:

   • Visit the nearest Common Service Center (CSC) for assistance.

Last Date Extension for PMAY 2025

The government has extended the last date for PMAY applications to December 31, 2025. This extension aims to accommodate more beneficiaries and ensure the scheme’s success.