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HousingCentral GovernmentVerified 1 Sep 2026
Pradhan Mantri Awas Yojana (PMAY-Urban)
Nodal Implementing Authority: Ministry of Housing and Urban Affairs (MoHUA), Government of India
Administrative ScopeCentral Government
CategoryHousing
Target BeneficiariesEconomically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group (MIG) families living in urban statutory towns
Scheme Purpose & Core Objectives
To provide all-weather pucca houses with basic amenities (water, sanitation, electricity) to eligible urban households, addressing the housing deficit among lower income strata.
Key Benefits Provided to Beneficiaries
Central financial assistance up to Rs. 1.5 Lakh for Beneficiary-led individual house construction (BLC)
Interest subsidy under Credit Linked Subsidy Scheme (CLSS) for home loans
General Eligibility Criteria
Statutory qualifications required for enrollment without volatile budgetary or transient criteria.
✓The beneficiary family should not own a pucca house anywhere in India
✓Annual household income limits: EWS (up to Rs. 3 Lakh), LIG (Rs. 3 to 6 Lakh)
✓Female headship of the household or joint ownership with spouse mandated for EWS/LIG houses
✓Applicable in statutory urban local bodies notified under Census 2011