PMAY Scheme

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Q. What is Pradhan Mantri Awas Yojana?

Ans. Pradhan Mantri Awas Yojana is a programme by Government of India for classes. Under this, there is a Credit Linked Subsidy Scheme on home loans for properties in urban market belonging to Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group 1 & 2 (MIG). It can be availed for new or resale purchase of home, construction, or for extension or improvement etc.

Eligibility as per Income Per Annum 

Income Group Annual Household Income
EWS Up to  3 Lacs
LIG 3.01  to  6 Lacs
MIG 1 6.01  to 12 Lacs
MIG 2  12.01 to 18 Lacs


Subsidy as below:-


come Group Subsidy on maximum Loan Amount Interest Subsidy (%) Maximum Subsidy Tenure
(In years)
Max. Subsidy amount
Up to  3 Lacs 6 Lacs 6.5% 20 2.67 lacs
Above 3 Lacs up to ` 6 Lacs 6 Lacs 6.5% 20 2.67 lacs
Above 6 Lacs up to 12 Lacs 9 Lacs 4% 20 2.35 lacs
Above  12 Lacs up to 18 Lacs 12 Lacs 3% 20  2.30 lacs


Specified Area:-

Income Group            Carpet  Area

Upto 3 Lac-                      30 Sq. meter

3.1 to 6 Lac-                    60 Sq. meter

6.1 to 12 Lac-                  120 Sq. meter

12.1 to 18 Lac-                150 Sq. meter


Conditions for availing this scheme:-

  • No Pucca house on any family members.
  • Area not be exceed as specified
  • First time Buyer.
  • Female candidate is mandatory for EWS & LIG group in property owner for rest group not required.
  • Family Income Consider. ( Husband, Wife and unmarried Children)
  • Aadhar Card mandatory of all family members.
  • Property Area must be in specified limit as per scheme.
  • Don’t provide false information.
  • Subsidy will be credit in your loan account and reduce the principle.


For more detail:-

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