PM Awas Yojana Eligibility & Subsidy Calculator

PM Awas Yojana (PMAY) Eligibility Calculator

Check your eligibility for PMAY Urban/Rural, find your CLSS income category (EWS, LIG, MIG) or Gramin category, estimate your maximum subsidy, and generate your required document checklist.

🏠 Applicant Details

β‚Ή4,50,000
β‚Ή10,00,000

Est. Subsidy Benefit

Subsidy
Net Loan
Subsidy Upto
β‚Ή0
Your Category
--
Eligibility Status
--
Enter details to check your PMAY Eligibility.
πŸ“‘

Required Documents for Your Profile

How PM Awas Yojana Works (Urban vs Rural)

The Pradhan Mantri Awas Yojana (PMAY) aims to provide "Housing for All". The scheme operates differently based on your location:

PMAY-Urban (CLSS)

Under the Credit Linked Subsidy Scheme (CLSS) for Urban areas, the government provides an interest subsidy on home loans:

  • EWS (Economically Weaker Section): Income up to β‚Ή3 Lakhs. Max subsidy approx β‚Ή2.67 Lakhs.
  • LIG (Low Income Group): Income β‚Ή3L to β‚Ή6 Lakhs. Max subsidy approx β‚Ή2.67 Lakhs.
  • MIG-I / MIG-II: For middle-income families earning up to β‚Ή18 Lakhs. (Subject to current scheme validity).

PMAY-Gramin (Rural)

For rural areas, the government provides a direct financial grant (usually β‚Ή1.2 Lakh in plains and β‚Ή1.3 Lakh in hilly areas) for house construction. This is targeted primarily at BPL, Antyodaya, and families listed in the SECC-2011 housing deprivation data.

Frequently Asked Questions (FAQs)

For Urban EWS and LIG categories, adult female ownership (sole or joint) is generally mandatory for purchasing a new house.
No. A key condition of PMAY (both Urban and Rural) is that the beneficiary family should not own a 'pucca' house in their name anywhere in India.
APL families are generally not the primary target for PMAY-G grants. However, if an APL family falls under specific deprivation criteria listed in the SECC-2011 survey, they might be considered.
Scroll to Top