Pradhan Mantri Awas Yojana (PMAY) Eligibility Criteria 2025

The Pradhan Mantri Awas Yojana (PMAY) is a flagship project of the Ministry of Housing and Urban Poverty Alleviation that was launched in 2015. The objective of this project is to provide pucca housing to all economically backward and poor populations of the country, both in urban and rural areas, at an affordable price. Over time, the scheme has continued to adapt, with new extensions and updates, so that support actually reaches the people who need it most. As we move through 2025, the focus is really on making the PMAY eligibility criteria more straightforward to understand, especially for anyone wondering who qualifies for a government housing subsidy.

If you meet the basic PMAY terms and conditions, such as falling within the right income group and not owning another permanent house, the scheme can make owning a home far more achievable than it would be otherwise.

Table of Contents

• PM Awas Yojana Eligibility Criteria 2025
• PMAY Eligibility Criteria for EWS, LIG & MIG
• Types of Pradhan Mantri Awas Yojana
• How to Apply for Pradhan Mantri Awas Yojana
• How to Edit Your Details After Submitting an Application for PMAY
• How to Check PMAY Application Status
• Features of the PMAY Housing Scheme

PM (Pradhan Mantri) Awas Yojana Eligibility Criteria 2025

The PM Awas Yojana eligibility 2025 norms focus on supporting low-income families, economically weaker sections, and first-time homebuyers who lack the financial means to purchase a house. These eligibility criteria ensure that PMAY benefits reach households that genuinely need affordable, permanent housing.

Here’s a quick breakdown of the key eligibility rules in a simple table:

Suggested read: Home loan eligibility for self-employed

PMAY Eligibility Criteria for EWS, LIG & MIG

The beneficiaries of the scheme have been divided into four categories: the Economically Weaker Section (EWS), the Low-income Group (LIG), the Middle Income Group I (MIG I), and the Middle Income Group II (MIG II).

Note: The Credit-Linked Subsidy Scheme (CLSS) continues only for EWS and LIG applicants under PMAY(U).

1. Economically Weaker Section (EWS): People with an annual household income of less than ₹3 lakh fall into the EWS category. Those applying for home loan subsidy under the PMAY scheme in the EWS category need to furnish relevant income proof to the government for verification.
2. Lower Income Group (LIG): Those with an annual household income ranging between ₹3 lakh to ₹6 lakh come under the LIG category. As with the EWS category, the people from LIG group also need to provide sufficient proof of their economic condition.
3. Medium Income Group (MIG I): Any household earning an annual income between 6 lakh and ₹12 lakh falls under the MIG I category. An applicant from this category can avail of a loan of up to ₹9 lakh under the PMAY scheme.
4. Medium Income Group (MIG II): Any family that earns an annual household income between ₹12 to ₹18 lakh falls under the MIG II category. Applicants from this category can get loans up to ₹12 lakh.

Besides these four categories, the following are considered under the Pradhan Mantri Awas Yojana Home Loan eligibility scheme:

1. Women: Any woman belonging to the LIG or EWS category is eligible to apply for the PMAY scheme; however, no other person from her family should have ownership of any house in any part of the country.
2. Minorities: Any person belonging to a minority group, including SC/ST/OBC, is eligible to get a housing loan subsidy under the PMAY scheme, provided they can furnish relevant caste and income certificates.

Types of Pradhan Mantri Awas Yojana

PMAY is divided into two main segments based on the demographic target:

1. PMAY-Urban (PMAY-U): This scheme targets the urban poor and provides in-situ slum rehabilitation with the participation of private developers using land as a resource, credit-linked subsidy, affordable housing in partnership, and subsidy for beneficiary-led individual house construction/enhancement.
2. PMAY-Gramin (PMAY-G): Aimed at the rural poor, this variant of PMAY includes the goal to replace the country’s all kuccha (mud) houses with pucca (permanent) houses.

How to Apply for Pradhan Mantri Awas Yojana

If you want to apply online, the official portal makes the process quick and simple, especially with the updates under PMAY Urban 2.0. Here’s how you can get started:

1. Visit the Official PMAY Website: For urban applicants, the website is PMAY Urban, and for rural applicants, PMAY Gramin.
2. Choose the Appropriate Category: Select “Benefit Under Other 3 Components” by entering your Aadhaar number for urban areas. For rural areas, the application process might slightly differ and may require different documentation.
3. Fill Out the Application Form: Provide all necessary personal details, such as name, contact details, current residential address, and income details, along with your bank account details.
4. Submit the Form: After filling out the form, recheck all details for accuracy and submit the form online.
5. Print the Acknowledgement: Once your application is submitted, take a printout of the acknowledgement for future reference.

How to Edit Your Details After Submitting an Application for PMAY

If you need to edit your application after submission, you should:

1. Visit the PMAY Website: Go to the same portal where you submitted your application.
2. Locate Your Application: Use the “Edit Your Details” option, which might require you to log in or enter your application ID and other personal details.
3. Make Necessary Changes: Once your application is accessible, make the necessary edits wherever required.
4. Submit the Updated Application: After making the changes, re-submit your application. Ensure to keep a copy of the updated acknowledgement.

How to Check PMAY Application Status

To check the status of your PMAY application:

1. Go to the PMAY Website: Use the links provided above based on whether your application is for the urban or rural scheme.
2. Enter Application Details: You will need to enter your application ID and other requested details in the “Track Your Assessment Status” section.
3. View Status: After entering the details, your application status will be displayed on the screen.

Features of the PMAY Housing Scheme

The term of a home loan disbursement under the PMAY scheme is 20 years.

1. The scheme has given special preference to women (with an overriding preference for widows), manual scavengers, individuals belonging to SC/ST/OBC groups, other minorities, persons with disabilities, and transgenders, subject to the condition that these persons belong to the EWS/LIG/MIG I and MIG II categories.
2. Under the scheme, applicants can also apply for a loan for repair work for their kuchha or semi-pucca house to convert it into a pucca house. However, this benefit is only reserved for applicants falling under the EWS/LIG category.
3. Another important factor the scheme mentions is that the houses built under the PMAY should be built at low cost; be disaster resilient; and be per the climatic factors and socio-cultural dynamics of the region.
4. All beneficiaries in the EWS category will be provided with comprehensive assistance for disbursing the loan amount. On the other hand, the rest three categories are eligible for the credit-linked subsidy scheme (CLSS).
5. All citizens of India who are eligible for the PMAY scheme have benefited from this populist project and continue to do so. This is a wonderful imitative by the Government of India, and its successful execution across the country is quite important.

Takeaway

To put it simply, who is eligible for PM Awas Yojana 2025 comes down to meeting a few core rules: the right income bracket, no existing pucca house, and being a first-time homeowner. If you fit these PM Awas Yojana terms and conditions, the scheme can significantly reduce your housing cost and make owning a home much more achievable.