PM Awas Yojana: How to Apply for Rural and Urban Housing Support

This guide provides a factual, step-by-step explanation of how to apply for the Pradhan Mantri Awas Yojana (PMAY) for 2026. The scheme is divided into two parts: PMAY-Urban (PMAY-U 2.0) for city residents and PMAY-Gramin (PMAY-G) for rural villagers.

Who needs this service? (Eligibility)

1. PMAY-Urban 2.0 (For City Dwellers)

Economically Weaker Section (EWS): Annual family income up to ₹3 Lakh.
Low Income Group (LIG): Annual family income between ₹3 Lakh and ₹6 Lakh.
Middle Income Group (MIG): Annual family income between ₹6 Lakh and ₹9 Lakh.
Condition: You or your family must not own a pucca house anywhere in India.

2. PMAY-Gramin (For Villagers)

Families living in kutcha houses (mud walls/thatched roof) or those who are homeless.
Households with no adult male member between 16–59 years or households with a disabled member.
Note: Rural beneficiaries are largely identified via the SECC 2011 list and Awaas+ survey, but new names can be added via the Gram Sabha.

Required Documents

Prepare these documents before applying to avoid rejection:

Aadhaar Card (Mandatory for all applicants and family members).
Bank Account Passbook (Must be linked to Aadhaar for subsidy transfer).
Income Proof (Salary slip, IT Return, or Self-Affidavit for EWS).
Caste Certificate (If applying under SC/ST/OBC category).
MNREGA Job Card Number (Specifically for PMAY-Gramin).
Mobile Number (Linked to Aadhaar for OTP).
Property Documents (If applying for construction on own land: Sale deed/Patta).
Swachh Bharat Mission (SBM) Number (For rural toilet assistance).

Online Application Process (Urban Only)

Citizens in urban areas can apply directly online. Follow these exact steps for PMAY-U:

1. Visit the Official Website

Go to: https://pmaymis.gov.in
Make sure the URL ends with .gov.in

2. Select Citizen Assessment

On the top menu bar, look for the option “Citizen Assessment”.
Click on “Apply Online”.
Choose your category:
- “In Situ Slum Redevelopment” (If living in a slum).
- “Under Other 3 Components” (For Credit Linked Subsidy, Affordable Housing, or Beneficiary Led Construction).

3. Aadhaar Verification

Enter your Aadhaar Number and Name exactly as it appears on the card.
Click “Check”. If verified successfully, the form opens.

4. Fill the Application Form

Personal Details: Head of family name, current address.
Bank Details: Account number and IFSC code (Double-check this).
Family Members: Add details of household members.
Income: Enter accurate annual income.

5. Submit and Save

Enter the Captcha code and click “Save”.
IMPORTANT: A system-generated Application ID (e.g., Cxxxxxxxxxx) will appear. Write this down immediately or take a screenshot. You cannot track your status without it.

Offline Process (Rural & Urban)

For Rural Applicants (PMAY-Gramin):

Online application by citizens is NOT allowed for PMAY-G. It is an administrative process.
Step 1: Visit your Gram Panchayat office or Ward Member.
Step 2: Ask to check your name in the PMAY-G List (based on SECC 2011 data).
Step 3: If eligible but your name is missing, submit a written request to the Gram Sabha to add your name to the “Awaas+” list.
Step 4: The Gram Rozgar Sahayak (GRS) or Panchayat Secretary will fill the form on your behalf using the “AwaasSoft” portal.

For Urban Applicants (Offline):

Visit a Common Service Centre (CSC) nearby.
Carry your Aadhaar and Bank Passbook.
The CSC operator will fill the form for a nominal fee (approx. ₹25 + GST). Ask for an acknowledgment receipt.

How to Check Status / Track Application

1. For Urban (PMAY-U)

Link: https://pmaymis.gov.in/Track_Application_Status.aspx
Option A: Enter your Assessment ID (received during application) and Mobile No.
Option B: Enter your Name, Father’s Name, and Mobile No (if you lost the ID).
Result: It will show stages like “Submitted,” “Sent to State,” or “Approved.”

2. For Rural (PMAY-G)

Link: https://pmayg.nic.in/netiay/Benificiary.aspx
Process: Enter your Registration Number.
Alternative: If you don’t have the number, go to https://pmayg.nic.in > Click “Stakeholders” > “IAY/PMAYG Beneficiary” > Click “Advanced Search” to search by State, District, Block, and Name.

Common Problems and Solutions

1. Error: “Aadhaar Name Mismatch”

Reason: The name on the application form does not match the Aadhaar database exactly (e.g., “Kumar” vs “Kr”).
Solution: Update your Aadhaar card first or apply using the exact spelling on your current Aadhaar.

2. Status Stuck at “Assessment ID Generated”

Reason: The application hasn’t been verified by the Urban Local Body (ULB).
Solution: Visit your local Municipality / Nagar Palika office with your Assessment ID and documents for physical verification.

3. Subsidy Not Credited (Urban)

Reason: Bank account is not Aadhaar-seeded or the loan is not flagged under CLSS.
Solution: Contact your bank branch and ask specifically for the “CLSS Subsidy Claim ID”. If the bank hasn’t generated it, the government cannot send money.

4. Name Missing in Rural List

Reason: Exclusion based on 13 parameters (e.g., owning a 2-wheeler, landline phone, or Kisan Credit Card with limit >₹50k).
Solution: File a grievance at the Block Development Office (BDO) if you believe the exclusion is incorrect.

5. Website Not Loading / Server Error

Solution: These portals face heavy traffic. Try accessing them early morning (before 8 AM) or late night (after 10 PM). Use a desktop/laptop instead of a mobile for better stability.

Official Helpline Numbers

If you face issues, contact the ministry directly. Do not trust private mobile numbers found in comments.

PMAY-Urban (HUDCO): 1800-11-6163 (Toll-Free)
PMAY-Urban (NHB): 1800-11-3377 / 1800-11-3388 (Toll-Free)
PMAY-Gramin Helpdesk: 1800-11-6446 (Toll-Free)
Email (Urban): grievance-pmay@gov.in
Email (Rural): support-pmayg@gov.in

Next Step for You:

Would you like me to help you find the specific PMAY status link for your state or explain how to check if your bank is authorized for the subsidy?

This information is from official sources (MoHUA & MoRD) as of January 2026. Always verify on the official portal for the latest updates.

PM Awas Yojana: How to Apply for Rural and Urban Housing Support