{"id":672,"date":"2023-07-31T11:51:25","date_gmt":"2023-07-31T11:51:25","guid":{"rendered":"https:\/\/dev.basichomeloan.com\/blog\/?p=672"},"modified":"2026-03-16T06:51:40","modified_gmt":"2026-03-16T06:51:40","slug":"pradhan-mantri-awas-yojana-eligibility-criteria","status":"publish","type":"post","link":"https:\/\/www.basichomeloan.com\/blog\/home-loans\/pradhan-mantri-awas-yojana-eligibility-criteria","title":{"rendered":"Pradhan Mantri Awas Yojana (PMAY) Eligibility Criteria 2026"},"content":{"rendered":"<p dir=\"ltr\">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 <a href=\"https:\/\/www.basichomeloan.com\/pmay\" target=\"_blank\" rel=\"noopener\">PMAY eligibility criteria<\/a> more straightforward to understand, especially for anyone wondering who qualifies for a government housing subsidy.<\/p>\n<p dir=\"ltr\">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.<\/p>\n<p><strong>Table of Contents<\/strong><\/p>\n<ul>\n<li><strong><a href=\"#1\">PM Awas Yojana Eligibility Criteria 2025<\/a><\/strong><\/li>\n<li><strong><a href=\"#2\">PMAY Eligibility Criteria for EWS, LIG &amp; MIG<\/a><\/strong><\/li>\n<li><strong><a href=\"#3\">Types of Pradhan Mantri Awas Yojana<\/a><\/strong><\/li>\n<li><strong><a href=\"#4\">How to Apply for Pradhan Mantri Awas Yojana<\/a><\/strong><\/li>\n<li><strong><a href=\"#5\">How to Edit Your Details After Submitting an Application for PMAY<\/a><\/strong><\/li>\n<li><strong><a href=\"#6\">How to Check PMAY Application Status<\/a><\/strong><\/li>\n<li><strong><a href=\"#7\">Features of the PMAY Housing Scheme<\/a><\/strong><\/li>\n<\/ul>\n<h2 dir=\"ltr\"><strong><span id=\"1\">PM (Pradhan Mantri) Awas Yojana Eligibility Criteria 2025<\/span><\/strong><\/h2>\n<p dir=\"ltr\">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 <a href=\"https:\/\/www.basichomeloan.com\/eligibility-check\" target=\"_blank\" rel=\"noopener\">eligibility criteria<\/a> ensure that PMAY benefits reach households that genuinely need affordable, permanent housing.<\/p>\n<p dir=\"ltr\">Here\u2019s a quick breakdown of the key eligibility rules in a simple table:<\/p>\n<div dir=\"ltr\" align=\"left\">\n<table style=\"border-collapse: collapse; border-width: initial;\" border=\"1\">\n<colgroup>\n<col width=\"312\" \/>\n<col width=\"312\" \/><\/colgroup>\n<tbody>\n<tr>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\"><strong>Criteria<\/strong><\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\"><strong>Requirement<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">Home\u00a0 Ownership<\/p>\n<\/td>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">Should not own a pucca house anywhere in India<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">Annual Household Income<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">Up to \u20b918 lakh (as per eligible category)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">Previous Government Benefit<\/p>\n<\/td>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">Must not have taken any housing scheme subsidy earlier<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">Beneficiary Family<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">Husband, wife, and dependent\/unmarried children.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">Priority Beneficiaries<\/p>\n<\/td>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">Women applicants, SC\/ST\/OBC, minorities, PwD, and transgender applicants<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p dir=\"ltr\"><strong>Suggested read: <a href=\"https:\/\/www.basichomeloan.com\/blog\/home-loan-for-self-employed-eligibility\">Home loan eligibility for self-employed<\/a><\/strong><\/p>\n<h2 dir=\"ltr\"><strong><span id=\"2\">PMAY Eligibility Criteria for EWS, LIG &amp; MIG<\/span><\/strong><\/h2>\n<p dir=\"ltr\">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).<\/p>\n<div dir=\"ltr\" align=\"left\">\n<table style=\"border-collapse: collapse; border-width: initial;\" border=\"1\">\n<colgroup>\n<col width=\"152\" \/>\n<col width=\"209\" \/>\n<col width=\"263\" \/><\/colgroup>\n<tbody>\n<tr>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\"><strong>Category<\/strong><\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\"><strong>Annual Family Income<\/strong><\/p>\n<\/td>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\"><strong>PMAY Subsidy Status<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">EWS<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">\u20b93 lakh<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">Eligible for CLSS<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">LIG<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">\u20b96 lakh<\/p>\n<\/td>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">Eligible for CLSS<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">MIG I<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">\u20b96 lakh to \u20b912 lakh<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">Not available (subsidy ended)<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">MIG II<\/p>\n<\/td>\n<td style=\"border-width: initial; text-align: center;\">\n<p dir=\"ltr\">\u20b912 lakh to \u20b918 lakh<\/p>\n<\/td>\n<td style=\"border-width: initial;\">\n<p dir=\"ltr\" style=\"text-align: center;\">Not available (subsidy ended)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p dir=\"ltr\"><strong><br \/>\nNote: <\/strong>The Credit-Linked Subsidy Scheme (CLSS) continues only for EWS and LIG applicants under PMAY(U).<\/p>\n<ol>\n<li><strong>Economically Weaker Section (EWS):<\/strong> People with an annual household income of less than \u20b93 lakh fall into the EWS category. Those applying for <a href=\"https:\/\/www.basichomeloan.com\/blog\/home-loan-subsidy\">home loan subsidy<\/a> under the PMAY scheme in the EWS category need to furnish relevant income proof to the government for verification.<\/li>\n<li><strong>Lower Income Group (LIG):<\/strong> Those with an annual household income ranging between \u20b93 lakh to \u20b96 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.<\/li>\n<li><strong>Medium Income Group (MIG I):<\/strong> Any household earning an annual income between 6 lakh and \u20b912 lakh falls under the MIG I category. An applicant from this category can avail of a loan of up to \u20b99 lakh under the PMAY scheme.<\/li>\n<li><strong>Medium Income Group (MIG II):<\/strong> Any family that earns an annual household income between \u20b912 to \u20b918 lakh falls under the MIG II category. Applicants from this category can get loans up to \u20b912 lakh.<\/li>\n<\/ol>\n<p>Besides these four categories, the following are considered under the Pradhan Mantri Awas Yojana Home Loan eligibility scheme:<\/p>\n<ol>\n<li><strong>Women:<\/strong> 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.<\/li>\n<li><strong>Minorities:<\/strong> 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.<\/li>\n<\/ol>\n<h2 dir=\"ltr\"><strong><span id=\"3\">Types of Pradhan Mantri Awas Yojana<\/span><\/strong><\/h2>\n<p dir=\"ltr\">PMAY is divided into two main segments based on the demographic target:<\/p>\n<ol>\n<li>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.<\/li>\n<li>PMAY-Gramin (PMAY-G): Aimed at the rural poor, this variant of PMAY includes the goal to replace the country\u2019s all kuccha (mud) houses with pucca (permanent) houses.<\/li>\n<\/ol>\n<h2 dir=\"ltr\"><strong><span id=\"4\">How to Apply for Pradhan Mantri Awas Yojana<\/span><\/strong><\/h2>\n<p dir=\"ltr\">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\u2019s how you can get started:<\/p>\n<ol>\n<li>Visit the Official PMAY Website: For urban applicants, the website is <a rel=\"nofollow noopener noreferrer\" href=\"https:\/\/pmaymis.gov.in\/\">PMAY Urban<\/a>, and for rural applicants, <a rel=\"nofollow noopener noreferrer\" href=\"https:\/\/pmayg.nic.in\/\">PMAY Gramin<\/a>.<\/li>\n<li>Choose the Appropriate Category: Select \u201cBenefit Under Other 3 Components\u201d by entering your Aadhaar number for urban areas. For rural areas, the application process might slightly differ and may require different documentation.<\/li>\n<li>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.<\/li>\n<li>Submit the Form: After filling out the form, recheck all details for accuracy and submit the form online.<\/li>\n<li>Print the Acknowledgement: Once your application is submitted, take a printout of the acknowledgement for future reference.<\/li>\n<\/ol>\n<h2 dir=\"ltr\"><strong><span id=\"5\">How to Edit Your Details After Submitting an Application for PMAY<\/span><\/strong><\/h2>\n<p dir=\"ltr\">If you need to edit your application after submission, you should:<\/p>\n<ol>\n<li>Visit the PMAY Website: Go to the same portal where you submitted your application.<\/li>\n<li>Locate Your Application: Use the \u201cEdit Your Details\u201d option, which might require you to log in or enter your application ID and other personal details.<\/li>\n<li>Make Necessary Changes: Once your application is accessible, make the necessary edits wherever required.<\/li>\n<li>Submit the Updated Application: After making the changes, re-submit your application. Ensure to keep a copy of the updated acknowledgement.<\/li>\n<\/ol>\n<h2 dir=\"ltr\"><strong><span id=\"6\">How to Check PMAY Application Status<\/span><\/strong><\/h2>\n<p dir=\"ltr\">To check the status of your PMAY application:<\/p>\n<ol>\n<li>Go to the PMAY Website: Use the links provided above based on whether your application is for the urban or rural scheme.<\/li>\n<li>Enter Application Details: You will need to enter your application ID and other requested details in the \u201cTrack Your Assessment Status\u201d section.<\/li>\n<li>View Status: After entering the details, your application status will be displayed on the screen.<\/li>\n<\/ol>\n<h2 dir=\"ltr\"><strong><span id=\"7\">Features of the PMAY Housing Scheme<\/span><\/strong><\/h2>\n<p dir=\"ltr\">The term of a <a href=\"https:\/\/www.basichomeloan.com\/blog\/home-loans\/home-loan-disbursement-process-and-stages-explained\" target=\"_blank\" rel=\"noopener\">home loan disbursement<\/a> under the PMAY scheme is 20 years.<\/p>\n<ol>\n<li>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.<\/li>\n<li>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.<\/li>\n<li>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.<\/li>\n<li>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).<\/li>\n<li>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.<\/li>\n<\/ol>\n<h2 dir=\"ltr\"><strong>Takeaway<\/strong><\/h2>\n<p dir=\"ltr\">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.<\/p>\n<div>\n<h2><strong>FAQs About PMAY Eligibility Criteria<\/strong><\/h2>\n<\/div>\n<div class=\"schema-faq wp-block-yoast-faq-block\">\n<div id=\"faq-question-1724225479921\" class=\"schema-faq-section\">\n<p><strong class=\"schema-faq-question\">How does the Pradhan Mantri Awas Yojana work?<\/strong><\/p>\n<p class=\"schema-faq-answer\">Under this scheme, applicants can apply for home loan subsidies, depending on which of the four categories they fall under EWS, LIG, MIG I, and MIG II, with each having its eligibility rules and benefits.<\/p>\n<\/div>\n<div id=\"faq-question-1724225480628\" class=\"schema-faq-section\">\n<p><strong class=\"schema-faq-question\">What documents are required for the PMAY subsidy?<\/strong><\/p>\n<p class=\"schema-faq-answer\">Those people wishing to get loan subsidies under the PMAY scheme need to provide their income certificates, house loan documents, caste certificate, disability certificate, etc. depending on which income category they belong to.<\/p>\n<\/div>\n<div id=\"faq-question-1724225481290\" class=\"schema-faq-section\">\n<p><strong class=\"schema-faq-question\">What are the PMAY eligibility requirements for MIG II?<\/strong><\/p>\n<p class=\"schema-faq-answer\">The criteria for eligibility under the MIG II category is that the annual household income should be between \u20b912 lakh to \u20b918 lakh.<\/p>\n<\/div>\n<div id=\"faq-question-1724225481958\" class=\"schema-faq-section\">\n<p><strong class=\"schema-faq-question\">Who is not eligible for Pradhan Mantri Awas Yojana?<\/strong><\/p>\n<p class=\"schema-faq-answer\">Any household with an annual income over \u20b918 lakh is not eligible. Besides those, people who already own a house or have someone from their family own a house, are not eligible.<\/p>\n<\/div>\n<div id=\"faq-question-1724225521934\" class=\"schema-faq-section\">\n<p><strong class=\"schema-faq-question\">What are the PMAY eligibility criteria for MIG I?<\/strong><\/p>\n<p class=\"schema-faq-answer\">The basic criteria for eligibility under MIG I category is that the annual household income should be between \u20b96 lakh to \u20b912 lakh.<\/p>\n<\/div>\n<div id=\"faq-question-1724225522725\" class=\"schema-faq-section\">\n<p><strong class=\"schema-faq-question\">What are the income criteria for PMAY?<\/strong><\/p>\n<p class=\"schema-faq-answer\"><strong>EWS<\/strong> &#8211; \u20b93 lakh<br \/>\n<strong>LIG &#8211;<\/strong> \u20b96 lakh<br \/>\n<strong>MIG I &#8211;<\/strong> \u20b96 lakh to \u20b912 lakh<br \/>\n<strong>MIG II- <\/strong>\u20b912 lakh to \u20b918 lakh<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":673,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[422],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Eligibility Criteria of Pradhan Mantri Awas Yojana 2026<\/title>\n<meta name=\"description\" content=\"PMAY Eligibility Criteria 2026: Check the Pradhan Mantri Awas yojana eligibility criteria based on the beneficiaries annual income and sections.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.basichomeloan.com\/blog\/home-loans\/pradhan-mantri-awas-yojana-eligibility-criteria\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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