Pradhan Mantri Awas Yojana (PMAY)
Pradhan Mantri Awas Yojana is a flagship mission of the Government of India that aims to provide affordable housing for all urban and rural poor. Under PMAY, beneficiaries receive interest subsidies on home loans or direct capital funds for home construction.
Income Brackets & Eligibility
Eligible households are divided into income categories, each receiving tailored subsidies:
Income Limits
- •EWS (Economically Weaker Section): Household income up to ₹3 Lakhs per year.
- •LIG (Low Income Group): Household income up to ₹6 Lakhs per year.
- •MIG (Middle Income Group): Category I up to ₹12 Lakhs; Category II up to ₹18 Lakhs.
General Exclusions
- •The beneficiary family must not own a concrete (pucca) house in any part of India.
- •The beneficiary family must not have availed of any housing subsidy from central or state programs.
Required Document Checklist
The banking authority checks these documents to authorize your interest credit. Ensure name records align perfectly across all files.
Identity Proof
Aadhaar Card is mandatory. PAN Card is required for banking approvals.
Income Certificate / Proof of Income
For salaried: Form 16, Salary Slips, or IT Returns. For self-employed/rural: Income certificate issued by local revenue authorities.
Self-Declaration Affidavit
A notary-signed stamp declaration affirming that the family owns no pucca house in India.
Land & Construction Documents
Approved building layout plans, NOC from municipal authorities, and land registry records.
Verify income and property documents
Ready to calculate your subsidy brackets or audit your income slips? Upload them to SevaApply chat. Our AI instantly matches your details with the local PMAY requirements.