PM Awas Yojana Assam (PMAY Assam): Everything You Need to Know

The Pradhan Mantri Awas Yojana (PMAY) Assam is a flagship housing scheme by the Indian Government to provide “Housing for All.” Since Assam caters to both Rural and Urban populations, PMAY in Assam is implemented under two components, i.e., PMAY-Urban (PMAY-U) for urban areas and PMAY-Gramin (PMAY-G) for rural areas. Therefore, the PMAY Assam scheme has significantly impacted both urban and rural populations, providing thousands with safe and affordable housing. If you wish to know more about the PMAY Assam scheme and how to apply for it, read the blog further.

Table of Contents

• Types of PMAY in Assam
• PMAY-Urban (PMAY-U Assam)
• PMAY-Gramin (PMAY-G Assam)
• Eligibility Criteria for PMAY Assam
• Benefits of PMAY Assam
• How to Apply for PMAY Rural Assam Online
• Check the PMAY House List Assam

Types of PMAY in Assam

PMAY in Assam is implemented under two major components:

1. PMAY-Urban (PMAY-U Assam): For individuals in towns and cities.
2. PMAY-Gramin (PMAY-G Assam or PMAY Rural Assam): For rural households living in kutcha houses or without homes.

Each PMAY scheme in Assam has its unique eligibility, benefits, and application processes.

PMAY-Urban (PMAY-U Assam)

The PMAY Urban in Assam is designed for city dwellers from EWS (Economically Weaker Sections), LIG (Lower Income Groups), and MIG (Middle Income Groups).

Key Features:

1. Credit-Linked Subsidy Scheme (CLSS): Interest subsidy of up to 6.5% on housing loans.
2. Beneficiary-Led Construction (BLC): For those with land but no pucca home.
3. Affordable Housing in Partnership (AHP): Collaboration with builders and the state government.
4. In-situ Slum Redevelopment (ISSR): Redevelopment of slums using land as a resource.

PMAY-Gramin (PMAY-G Assam)

This rural initiative focuses on providing pucca homes to homeless families or those living in kutcha structures.

Key Features:

1. Financial assistance of up to ₹1.20 lakh in plains and ₹1.30 lakh in hilly areas.
2. Integration with other schemes (toilets under Swachh Bharat, electricity via Saubhagya, etc.).
3. Monitoring via geotagged images and Aadhaar-based payments.

Eligibility Criteria for PMAY Assam

PMAY-U Assam:

1. Annual household income up to ₹18 lakh.
2. Should not own a pucca house in India.
3. No prior housing assistance from the government.
4. Women’s co-ownership preferred.

PMAY-G Assam:

1. Must be listed in SECC (Socio-Economic Caste Census) 2011 or Awaas+.
2. Families living in dilapidated or no houses.
3. Priority to SC/STs, minorities, and the differently-abled.

Benefits of PMAY Assam

1. Affordable Home Ownership

PMAY Assam offers financial assistance in the form of interest subsidies and direct financial support, making home ownership more achievable for economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). This significantly reduces the financial burden of owning a home.

2. Inclusive Growth

The scheme is designed to benefit both urban and rural populations, ensuring that no group is left behind. Special attention is given to marginalized communities, including scheduled castes (SC), scheduled tribes (ST), and other disadvantaged groups, promoting equitable development across the state.

3. Empowerment of Women

One of the standout features of PMAY is its focus on gender equality. The scheme mandates that houses be registered in the name of the female head of the household or jointly with her, helping to empower women socially and economically by ensuring property ownership.

4. Integrated Amenities

Beyond just providing housing, PMAY Assam promotes a better quality of life by including essential amenities such as clean drinking water, proper sanitation, electricity connections, and LPG gas supply. These features contribute to a safer, healthier, and more dignified living environment.

5. Sustainable and Eco-Friendly Housing

Where applicable, the scheme encourages the use of eco-friendly and disaster-resilient construction techniques, aligning with the government’s vision for sustainable urban and rural development.

How to Apply for PMAY Rural Assam Online?

To apply for PMAY Gramin Assam or PMAY Urban Assam, follow these steps:

Online Application for PMAY-U:

Step 1: Visit pmaymis.gov.in.
Step 2: Click on Citizen Assessment.
Step 3: Choose the relevant category (e.g., “For Slum Dwellers”).
Step 4: Enter your Aadhaar number.
Step 5: Fill in personal and income details.
Step 6: Upload documents (ID proof, income proof, etc.).
Step 7: Submit and note your application/reference number.

Online Application for PMAY-G:

Step 1: Visit pmayg.nic.in.
Step 2: Use your registered mobile or Aadhaar.
Step 3: Select “Data Entry” for beneficiary registration.
Step 4: Enter details and the bank account.
Step 5: Upload photographs and property documents.

How to Check the PMAY House List Assam?

Whether you applied under PMAY-U or PMAY-G, you can check if your name appears on the PM Awas Yojana Assam list or PMAY beneficiary list Assam:

Step 1: Visit pmayg.nic.in or pmaymis.gov.in.
Step 2: Go to the “Search Beneficiary” or “Beneficiary List” section.
Step 3: Use your name, father’s name, or registration number.
Step 4: View or download the list.

You can also check regional lists, such as:

1. PMAY Gramin List Assam
2. PMAY List Assam
3. PMAY G List Assam
4. PM House List Assam
5. Assam Jio Tek House List

Offline Application Option

You can also apply for PMAY Assam offline by visiting the nearest:

1. Common Service Centre (CSC)
2. Bank Branch (PMAY-linked)
3. Municipal Office/Panchayat

You can fill out the form manually, attach all the required documents, and get your Application ID.

Tips & Best Practices

1. Always ensure you double-check your documents before applying.
2. Track your PMAY Assam application regularly using the application ID.
3. Ensure your name is in the SECC list or Awaas+.
4. Choose the correct application type (PMAY-U or PMAY-G).
5. Don’t fall for middlemen – the application is free or nominally charged at CSCs.

FAQs about PMAY Assam