PM Awas Yojana (PMAY) Calculator 2025
Calculate Pradhan Mantri Awas Yojana Subsidy, Check Eligibility & EMI – Urban & Gramin
PMAY Urban 2.0: Interest subsidy on home loans for EWS, LIG, MIG-I & MIG-II. Maximum subsidy up to ₹2.67 lakh. Apply at pmaymis.gov.in
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PMAY Subsidy & EMI Result
Maximum PMAY Subsidy Amount
📊 Income Category
LIG
📍 Subsidy Rate
6.5%
💰 Max Loan for Subsidy
₹6,00,000
🏠 Max Carpet Area
60 sq m
✅ Eligibility Checklist
- ✓ Income within limit
- ✓ First pucca house
- ✓ Carpet area within limit
- ✓ Woman ownership priority
📈 EMI Comparison
What is PMAY? – Pradhan Mantri Awas Yojana Complete Guide 2025
PMAY (Pradhan Mantri Awas Yojana) is the flagship government housing scheme launched to provide affordable housing for all Indians. The PM Awas Yojana offers financial assistance and interest subsidy on home loans. The scheme operates through PMAY Urban (for urban/shahri areas) and PMAY Gramin (for rural areas). Use the PMAY calculator above to check eligibility and calculate subsidy.
PMAY 2.0 continues the “Housing for All” mission. The pradhan mantri awas yojana has benefited millions through pmayg nic in (rural) and pmaymis gov in (urban) portals. Whether you need pm awas gramin assistance or pmay urban subsidy, this guide covers everything about awas yojana.
PMAY Eligibility Criteria 2025
How to check eligibility for PMAY? The pradhan mantri awas yojana eligibility depends on:
- First Pucca House: Applicant/family should not own pucca house anywhere in India
- Indian Citizenship: Must be Indian citizen with valid Aadhaar
- Income Limit: Annual family income within specified category limits
- Age: 18 years or above
- No Previous Benefits: Should not have availed benefits under any housing scheme
- Woman Ownership: Priority for properties with woman owner/co-owner
PMAY Income Categories and Subsidy Limits
| Category | Annual Income | Subsidy Rate | Max Loan | Max Subsidy | Max Area |
|---|---|---|---|---|---|
| EWS Economically Weaker Section | Up to ₹3,00,000 | 6.5% | ₹6 lakh | ₹2,67,000 | 60 sq m |
| LIG Low Income Group | ₹3-6 lakh | 6.5% | ₹6 lakh | ₹2,67,000 | 60 sq m |
| MIG-I Middle Income Group-I | ₹6-12 lakh | 4% | ₹9 lakh | ₹2,35,000 | 160 sq m |
| MIG-II Middle Income Group-II | ₹12-18 lakh | 3% | ₹12 lakh | ₹2,30,000 | 200 sq m |
PMAY Urban vs PMAY Gramin
PMAY Urban (PMAY-U)
PMAY Urban provides interest subsidy on home loans through CLSS (Credit Linked Subsidy Scheme):
- Interest subsidy from 3% to 6.5%
- Maximum subsidy up to ₹2.67 lakh for EWS/LIG
- Subsidy credited directly to loan account
- Apply at pmaymis.gov.in
- Track status via pmay uclap at pmayuclap.gov.in
PMAY Gramin (PMAY-G)
PMAY Gramin provides direct financial assistance for rural house construction:
- Direct benefit: ₹1.20 lakh (Plains) / ₹1.30 lakh (Hilly areas)
- Additional ₹12,000 for toilet under SBM
- 90 days unskilled wage under MGNREGA
- Apply through pmayg.nic.in
- Check beneficiary list at rhreporting.nic.in
How to Apply for PM Awas Yojana Online
For PMAY Urban:
- Visit pmaymis.gov.in
- Click “Citizen Assessment” → Select application type
- Enter Aadhaar for verification
- Fill application form with personal/income details
- Upload documents (Aadhaar, income proof, property papers)
- Submit → Get Assessment ID
- Approach PMAY-empaneled bank for home loan
- Track pmay status using Assessment ID
For PMAY Gramin:
- Beneficiaries identified through SECC data
- Gram Sabha verifies beneficiary list
- Check name in pmayg nic in gramin list
- Visit awaassoft portal for awas plus registration
How to Check PMAY Status Online
PM awas yojana status check: Multiple ways to track your pmay beneficiary status:
- By Assessment ID: pmaymis.gov.in → Track Assessment Status
- By Aadhaar: Search Beneficiary → Enter Aadhaar
- CLSS Status: Check at pmayuclap.gov.in
- Gramin List: rhreporting.nic.in
PMAY Official Government Portals
- pmaymis.gov.in – PMAY Urban MIS Portal
- pmayg.nic.in – PMAY Gramin Portal
- pmayuclap.gov.in – CLSS Application Portal
- pmay-urban.gov.in – PMAY Urban Official
- mohua.gov.in – Ministry of Housing
- rhreporting.nic.in – Rural Housing Reporting
Frequently Asked Questions (FAQs)
1. What is PMAY (Pradhan Mantri Awas Yojana)?
PMAY is the government’s Housing for All scheme providing interest subsidy (up to ₹2.67 lakh) through PMAY Urban and direct assistance through PMAY Gramin.
2. What is the income limit for PMAY?
EWS: up to ₹3 lakh, LIG: ₹3-6 lakh, MIG-I: ₹6-12 lakh, MIG-II: ₹12-18 lakh annual family income. Above ₹18 lakh is not eligible.
3. How much subsidy can I get under PM Awas Yojana?
Maximum: EWS/LIG get ₹2,67,000, MIG-I gets ₹2,35,000, MIG-II gets ₹2,30,000. Use the calculator above for exact amount.
4. What is pmayg nic in?
pmayg.nic.in is the official PMAY Gramin portal. Check pmayg nic in gramin list, pmayg nic in report, and beneficiary status.
5. What is PMAY CLSS scheme?
CLSS (Credit Linked Subsidy Scheme) provides interest subsidy on home loans. Track at pmayuclap.gov.in.
6. How to check PM Awas Yojana list?
Urban: pmaymis.gov.in beneficiary search. Gramin: www pmayg nic in list or rhreporting nic in.
7. What is PMAY 2.0?
PMAY 2.0 continues Housing for All mission. PMAY Urban 2.0 has Interest Subsidy Scheme. PMAY Gramin is extended to 2029.
8. What is Awas Plus?
Awas Plus is mobile app for PMAY Gramin – beneficiary tracking, geotagging, construction monitoring via awaasapp.
For more information, visit pmaymis.gov.in or pmayg.nic.in. Use the PMAY calculator above to check eligibility and calculate your subsidy instantly.