Pradhan Mantri Awas Yojana (PMAY) as of 2025:
Pradhan Mantri Awas Yojana (PMAY) – Overview
Launched: 2015
Goal: Housing for All by providing affordable housing to urban and rural poor by 2026.
Two Main Components
- PMAY–Urban (PMAY-U)
For slum dwellers and economically weaker sections (EWS/LIG/MIG) in urban areas. - PMAY–Gramin (PMAY-G)
- For rural households without a pucca house, especially those below poverty line.
Key Features
| Feature | PMAY-U | PMAY-G |
|---|---|---|
| Beneficiary | Urban poor, EWS, LIG, MIG | Rural homeless & kutcha house owners |
| Financial Aid | ₹1.5–2.6 lakh subsidy | ₹1.2 lakh (plain), ₹1.3 lakh (hilly/NE/IAP) |
| Loan Subsidy | Up to 6.5% on housing loan (under CLSS) | Not applicable |
| House Size | Minimum 25–30 sq.m with toilet | 25 sq.m including kitchen |
| Target Completion | 1.2 crore houses (by 2026) | 2.95 crore houses (by 2026) |
| Tech Use | Aadhaar, geo-tagging, DBT, digital MIS | Same |
Eligibility (Urban)
- Annual income under ₹18 lakh (varies by category)
- Must not own a pucca house
- Female ownership/co-ownership required
- Aadhaar-linked bank account
How to Apply
- Visit: pmaymis.gov.in
- Choose “Citizen Assessment”
- Fill form with Aadhaar and income proof
- Submit with required documents
2025 Budget Update
- PMAY-U extended till 2026 with additional funding
- Focus on slum redevelopment and affordable rental housing
- Increased convergence with Jal Jeevan, toilets, and electricity schemes
Here’s more in-depth information on Pradhan Mantri Awas Yojana (PMAY) in 2025, including new developments, types of assistance, and recent progress:
PMAY 2025 – Extended and Upgraded
Latest Updates (as of 2025)
- Scheme Extended to 2026
- Target revised: More than 3 crore houses (urban + rural)
- Focus on quality, inclusion, and convergence with basic services (toilet, electricity, water, LPG, etc.)
- Special Support for Marginal Groups
- SC/ST, transgenders, disabled persons, widows, and senior citizens prioritized.
- Disabled and elderly get houses built with ramps, rails, and accessible toilets.
- Green Construction Focus
- Promotion of eco-friendly materials and energy-efficient technologies.
- Awards for states using innovative housing technologies.
Four Components of PMAY-Urban
- In-Situ Slum Redevelopment (ISSR)
- Uses land as a resource to build pucca houses where slums currently exist.
- Credit Linked Subsidy Scheme (CLSS)
- Home loan subsidy:
- EWS/LIG: up to ₹2.67 lakh subsidy
- MIG-I (₹6–12 lakh income): 4% interest subsidy
- MIG-II (₹12–18 lakh income): 3% interest subsidy
- Home loan subsidy:
- Affordable Housing in Partnership (AHP)
- Private + public sector builds homes for the poor.
- Government offers subsidies to builders for EWS flats.
- Beneficiary-Led Construction (BLC)
- For those owning land but lacking funds.
- ₹1.5 lakh subsidy for building or upgrading a house.
Funding Pattern
| Area Type | Central Govt Share | State Govt Share |
|---|---|---|
| Plain | 60% | 40% |
| NE/Hilly/UTs | 90% | 10% |
Note: Full funding (100%) for union territories without legislatures.
PMAY Progress Till 2025
| Scheme | Houses Sanctioned | Completed |
|---|---|---|
| PMAY-U | 1.23 crore+ | 90+ lakh |
| PMAY-G | 2.9 crore | 2.2+ crore |
- Over ₹2.5 lakh crore spent so far
- Nearly 10 lakh women made house owners
- Direct Benefit Transfer (DBT) ensures transparency
Benefits to Citizens
✅ Affordable home ownership
✅ Improved quality of life (sanitation, electricity, water)
✅ Empowerment of women (ownership mandatory in many cases)
✅ Boost to employment through construction sector
✅ Supports Atmanirbhar Bharat and Smart Cities missions
- A PMAY infographic image?
- A poster in Hindi/Telugu/Odia?
- Steps for online application
