Pradhan Mantri Awas Yojana (PMAY) is a government housing scheme designed to help eligible families across India obtain permanent and affordable homes. In 2026, the programme continues through its rural and urban components, subject to applicable government guidelines and beneficiary selection.
Eligibility Criteria
Applicants must meet the eligibility conditions of the relevant scheme. Factors such as household income, existing house ownership, residence and previous housing assistance may be considered. PMAY-Gramin focuses on eligible rural households, while PMAY-Urban 2.0 supports eligible urban families through different housing assistance options.
For the urban Interest Subsidy Scheme, the prescribed annual household income categories extend up to ₹9 lakh, with additional conditions applying.
Benefits of PMAY 2026
Eligible rural beneficiaries may receive financial assistance for house construction. Urban beneficiaries may qualify for affordable housing support or an interest subsidy on eligible home loans. The amount of assistance depends on the scheme, location and individual eligibility.
How to Apply
Applicants should visit the official websites:
- PMAY-Gramin: Click Here
- PMAY-Urban: Click Here
Check the eligibility requirements, complete the applicable application process and submit the required documents, including identity proof, income details and bank information.
Applicants can also contact their Gram Panchayat or urban local body for guidance. Approval depends on verification and official beneficiary-selection rules. Always check government notifications for the latest updates.