Pradhan Mantri Awas Yojana(PMAY) – Housing for All

Prime Minister of India
Table of contents
Pradhan Mantri Awas Yojana Logo
Highlights
  • Pucca House in Place of Temporary Houses.
  • Central Assistance of Rs. 1.5 Lakh to EWS category eligible family.
  • Subsidized loan disbursement.
Customer Care
  • Pradhan Mantri Awas Yojana Helpline Numbers :-
    • 011-23060484.
    • 011-23063285.
    • 011-23063620.
    • 011-23063567.
    • 011-23061827.
  • Email :- pmaymis-mhupa@gov.in.
  • National Housing Bank (NHB) :-
    • 1800113377.
    • 1800116163.
    • clssim@nhb.org.in
  • Housing and Urban Development Corporation (HUDCO) :-
    • 1800116163.
    • hudconiwas@hudco.org.
  • State Bank of India :-
    • 1800112018.
    • clss.pmayurban@sbi.co.in.
  • Grievance Email :- grievance-pmay@gov.in.
Overview Of The Scheme
Name of the Scheme Pradhan Mantri Awas Yojana (PMAY) - Housing for All.
Launched on 25th June 2015.
Objective To provide pucca houses, electricity connection, LPG Connection and Driniking Water Connection.
Nodal Ministry Ministry of Housing and Urban Affairs.
Offcial Website Pradhan Mantri Awas Yojana (Urban).

Introduction

Pradhan Mantri Awas Yojana was launched by Government of India to provide housing for all urban poor with a target of 20 million affordable houses by 31st of March 2022.

Now this scheme is extended to March 2024.

Mission: - This scheme provides central assistance to the implementing agencies through state/union territories and Central Nodal Agencies to provide housing for eligible families. It is the programme that is initiated to avail the housing facility to the urban poor. The main objective of this plan is to provide financial assistance to some of the weakest sections of society to build a house for their personal living.
Vision: - To replace all temporary (kutcha) houses from Indian villages.

Who can apply

  • Applicant under the age group of 70.
  • Applicant who comes under economically weaker section i.e. who has the income less than 3 lakhs p.a.
  • Applicants who come under (LIG) lower income group i.e. whose income limit is 6 lakhs p.a.
  • Applicants who come under (MIG I) Middle income group i.e. whose income is between 6 to 12 lakhs p.a.
  • Applicant who comes under (MIG II) i.e whose income is between 12 to 18 lakhs p.a.
  • Applicant who have not availed any government subsidy benefit under PMAY scheme.
  • Applicant who have not any property under his name and along with any family member.
  • Home renovation and self construction loan will be availed only to applicants who come under the category of EWS and LIG.

Benefits of the schemes:-

  • The scheme includes
    • facility of houses have a toilet,
    • electricity connection,
    • LPG connection,
    • drinking water and
    • Jan dhan banking facilities, etc.
  • For EWS and LIG: - Under this scheme, an interest subsidy of 6.5% is provided to the beneficiary. Maximum loan tenure is 20 years.
  • For MIG(I):-
    • An interest subsidy of 4% is provided to the beneficiary.
    • Maximum loan tenure is 20 years.
  • For MIG(II):-
    • An interest of 3% is provided to the beneficiary.
    • Maximum loan tenure is 20 years.

Steps to apply for Pradhan Mantri Awas Yojana(Urban):-

  1. Log in to official website at pmaymis.gov.in.                                                        
  2. Select citizen assessment drop down and click on benefits under 3 components.Login
  3. Submit your aadhar details for authentication                                                     Aadhar authentication                                                                                
  4. Then you will come to the next page to provide information such as name , address, family details, age , gender, bank account details etc.  Format B SurveyFormat B Survey2 Format B Survey21
  5. After submitting all the details enter the captcha and click on save button.

For slum dwellers:

Same procedure is followed to apply for the scheme. In the initial stage just go to the website pmaymis.gov.in. Select citizen assessment drop down and click at slum dwellers. Remaining steps are same as the above.

PMAY (Urban) - Progress

Particulars Unit
Houses Sanctioned 122.69 Lakhs.
Houses Grounded. 98.36 Lakhs.
Houses Completed. 58.68 Lakhs.
Central Assistance Committed Rs. 2.03 lakh Crore.
Central Assistance Released Rs. 1,18020 Crore.
Total Investment Rs. 8.31 lakh Crore.

List of State Level Nodal Agencies for PMAY(U)

S.No. State Name of Organization Email Address
1. Andaman &
Nicobar Islands
UT of Andaman &
Nicobar Islands
jspwdud@gmail.com Municipal Council, Port
Blair-744101
2. Andhra Pradesh

Andhra Pradesh Township Infrastructure Development Corporation Limited.

aptsidco@gmail.com, mdswachhandhra@gmail.com Flat No.502, Vijaya
Lakshmi Residency, Gunadhala, Vijayawada -
520004
3. Andhra Pradesh Andhra Pradesh
State Housing
Corporation Limited
apshcl.ed@gmail.com A.P.State Housing
Corporation Ltd.,
Himayatnagar,Hyderabad
- 500029
4. Arunachal
Pradesh
Government of
Arunachal Pradesh

chiefengineercumdir2009@yahoo.com, cecumdirector@udarunachal.in

Department of Urban
Development & Housing,
Mob-II, Itanagar
5. Assam Govt. of Assam directortcpassam@gmail.com Block A, Room No. 219,
Assam Secretariat,
Dispur, Guwahati- 781006
6. Bihar Govt of Bihar sltcraybihar@gmail.com Urban Development &
Housing Department,
Vikash Bhavan, Bailey
Road,New Sectt. Patna-
15, Bihar
7. Chandigarh Chandigarh Housing
Board
chb_chd@yahoo.com, info@chb.co.in Sec- 9-D,Chandigarh-
16001
8. Chattisgarh Govt of Chattisgarh pmay.cg@gmail.com Mahanadi Bhawan,
Mantralay Naya Raipur
,Chhattisgarh Room No.
S-1/4
9. Dadra & Nagar
Haveli and
Daman & Diu
UT of Dadra & Nagar
Haveli and Damn &
Diu
devcom-dd@nic.in Secretariat, Silvassa-
396220
10. Dadra & Nagar
Haveli
UT of Dadra & Nagar
Haveli
pp_parmar@yahoo.com Secretariat, Silvassa-
396220
11. Goa Govt of Goa gsuda.gsuda@yahoo.com GSUDA
6th Floor, Shramshakti
Bhavan,
Patto- Panaji
12. Gujarat Govt of Gujarat gujarat.ahm@gmail.com,
mis.ahm2014@gmail.com
Affordable Housing
Mission,
New Sachivalya, Blk No.
14/7, 7th floor,
Gandhinagar-382010
13. Haryana State Urban
Development Agency
suda.haryana@yahoo.co.in Bays-11-14, Palika
Bhavan, Sector-4,
Panchkula -134112,
Haryana.
14. Himachal
Pradesh
Directorate of Urban
Development
ud-hp@nic.in Palika Bhavan, Talland,
Shimla
15. Jammu &
Kashmir
J&K Housing Board Jkhousingboard@yahoo.com, raysltcjkhb@gmail.com  
16. Jharkhand Urban Development
Department
jhsltcray@gmail.com,
director.ma.goj@gmail.com
3rd floor, Room No: 326,
FFP Building, Dhurwa,
Ranchi, Jharkhand, PIN
834004
17. Kerala State Poverty
Eradication Mission
uhmkerala@gmail.com TRIDA Building,
Jn.Medical College P O
Thiruvananthapuram
18. Madhya Pradesh Urban Administration
and Development,
GoM
addlcommuad@mpurban.gov.in,
mohit.bundas@mpurban.gov.in,
Palika Bhawan, Shivaji
nagar, Bhopal ,Pin-
462016
19. Maharashtra Government of
Maharashtra
mhdirhfa@gmail.com, cemhadapmay@gmail.com Griha Nirman Bhawan,
4th Floor, Kalanagar,
Bandra (East), Mumbai
400051
20. Manipur Govt. of Manipur hfamanipur@gmail.com,
tpmanipur@gmail.com
Town Planning
Department, Government
of Manipur, Directorate
Complex, North AOC,
Imphal-795001,
21. Meghalaya Govt of Meghalaya duashillong@yahoo.co.in, Raitong Building ,
Meghalaya Civil
Secretariat, Shillong-
793001
22. Mizoram Urban Development
& Poverty Alleviation,
Govt. of Mizoram
hvlzara@gmail.com Directorate of Urban
Development and Poverty
Alleviation, Thakthing
Tlang, Aizawl, Mizoram,
Pin: 796005
23. Nagaland Govt. of Nagaland zanbe07@yahoo.in Municipal Affairs cell, A.G.
Colony, Kohima - 797001
24. Odisha Housing & Urban
Development (H&UD)
Department
ouhmodisha@gmail.com, 1st Floor, State
Secretariat, Annex - B,
Bhubaneswar - 751001
25. Puducherry Govt. of Puducherry tcppondy@gmail.com Town & Country Planning
Deptt.
Jawahar Nagar
Bomian Pet
Puducherry-605005
26. Punjab Punjab Urban
Development
Authority
office@puda.gov.in , ca@puda.gov.in PUDA Bhavan, Sector 62,
SAS Nagar, Mohali,
Punjab
27. Rajasthan Rajasthan Urban
Drinking Water,
Sewerage &
Infrastructure
Corporation Ltd
(RUDSICO)
hfarajasthan2015@gmail.com 4-SA-24, Jawahar Nagar,
Jaipur, Rajasthan
28. Sikkim Govt of Sikkim gurungdinker@gmail.com Department of UD &
Housing,
Govt of Sikkim,
NH 31A, GANGTOK-
737102
29. Tamil Nadu Govt. of Tamil Nadu raytnscb@gmail.com Tamil Nadu Slum
Clearance Board, No.5
Kamarajar Salai, Chennai
- 600 005 Tamil Nadu
30. Telangana Govt of Telangana tsmepma@gmail.com Commissioner and
Director of Municipal
Administration 3rd Floor
Ac Guards Public Health
Lakdikapool Hydrabad
31 Tripura Govt. of Tripura, sipmiutripura@gmail.com Directorate Of Urban
Development Government
of Tripura Pt. Nehru
Complex, Gorakha Basti,
3rd Floor, Khadya
Bhawan, Agartala. Pin-
799006
32. Uttarakhand Directorate of Urban
Development
pmayurbanuk@gmail.com, State Urban Development
Authority 85A,
Mothorawala Road
Ajabpur kalan Dehradun
33. Karnataka Govt. of Karnataka dmaray2012@gmail.com 9th Floor Vishweshwaraih
Towers,
Dr.AmbedkarVeedhi
,Bangalore 560001
34. West Bengal State Urban
Development
Authority
wbsuda.hfa@gmail.com ILGUS Bhaban, Block HC
Block, Sector 3,
Bidhannagar, Kolkata -
700106
35. Uttar Pradesh State Urban
Development Agency
(SUDA)
hfaup1@gmail.com Navchetna Kendra, 10,
Ashoka Marg, Lucknow-
226002

FAQs

  1. What is Pradhan Mantri Awas Yojana (Urban) ?
    Pradhan Mantri Awas Yojana was launched by Government of India to provide housing for all urban poor with a target of 20 million affordable houses by 31st of March 2022. The main objective of this plan is to provide financial assistance to some of the weakest sections of society to build a house for their personal living.
  2. What is In-Situ Slum Redevelopment?
    In-Situ Slum redevelopment is a central Assistance of Rs.1,00,000 per house is allotted for all houses built for eligible slum dwellers using land as Resource with participation of private developers.
  3. What is Credit Linked Subsidy Scheme (CLSS)?
    Interest Subsidy up to Rs 2,67,000 per house is allotted for Beneficiaries of
    • Economically Weaker Section (EWS)
    • Low Income Group (LIG),
    • Middle Income Group (MIG)-I
    • Middle Income Group (MIG)-II seeking housing loans from Banks, Housing Finance Companies and other such institutions for acquiring/constructing houses.
    The interest subsidies of 6.5%, 4% and 3% on loan amount up to Rs. 6 lakh, Rs. 9 lakh and Rs. 12 lakh are allotted for a house with carpet area of up to 60, 160 and 200 Sq.Meter for EWS/LIG, MIG I and MIG II respectively. The benefit for EWS/LIG beneficiaries under CLSS works out to as high as Rs. 6 lakh over a loan period of 20 years.
  4. What is Affordable Housing in Partnership (AHP)?
    Affordable Housing in Partnership (AHP) aims at providing central assistance of Rs 1,50,000 per EWS house where at least 35% of the houses in the projects are for EWS category and a single project has at least 250 houses.
  5. What is Beneficiary led individual house construction enhancements (BLC)?
    Under this component, Central Assistance of Rs.1.5 lakh is available to individual eligible families belonging to EWS categories to either construct new houses or enhance existing houses on their own to cover the beneficiaries who are not able to take advantage of any other component of the Mission.
    If the beneficiary has a pucca house with carpet area of up to 21 sq. mt. area or a semi-pucca house, lacking in one of the facilities- i.e. room, kitchen, toilet, bath or a combination of these, it may be taken up for enhancement subject to ULB/State ensuring structural safety of the house and adherence to following conditions:
    • The total carpet area after enhancement must not be less than 21 sq. mt and must not be more than 30 sq. mt.
    • Enhancement shall mean addition of minimum carpet area of 9.0 square meters in to the existing house with pucca construction of at least one habitable room or room with kitchen and/or bathroom and/or toilet conforming to NBC norms.
  6. Which nodal agencies are operating or responsible for disbursal of the subsidy under Credit Linked Subsidy Scheme (CLSS)?
    NHB, HUDCO and SBI
  7. What is criteria for EWS LIG MIG categories for the purpose of the Scheme?
    The EWS/LIG/MIG categories are defined as follows:
    • EWS households income upto Rs. 3.00 lakhs per annum.
    • LIG households income between Rs. 3.00 lakhs to Rs. 6.00 lakhs per annum.
    • MIG-I households income between Rs. 6.00 lakhs to Rs. 12.00 lakhs per annum.
    • MIG-II households income between Rs. 12.00 lakhs to Rs. 18.00 lakhs per annum. States/UTs have flexibility to redefine the annual income criteria as per local needs with the approval of Ministry.

Important Links

Contact Details

  • Pradhan Mantri Awas Yojana Helpline Numbers :-
    • 011-23060484
    • 011-23063285
    • 011-23063620
    • 011-23063567
    • 011-23061827
  • Emai :- pmaymis-mhupa@gov.in
  • National Housing Bank (NHB) :-
    • 1800113377
    • 1800116163
    • clssim@nhb.org.in
  • Housing and Urban Development Corporation (HUDCO) :-
    • 1800116163
    • hudconiwas@hudco.org
  • State Bank of India :-
    • 1800112018
    • clss.pmayurban@sbi.co.in.
  • Greivance Email :- grievance-pmay@gov.in.
  • Address :- Pradhan Mantri Awas Yojana (Urban),
    Ministry of Housing and Urban Affairs,
    Nirman Bhawan, New Delhi-110011.
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