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PM Awas Yojana 2025: Pradhan Mantri Awas Yojana (PMAY) is a major initiative of the Government of India, which aims to provide a permanent and safe house to every citizen of the country by the year 2025. This scheme has been implemented in two parts. PMAY Urban (Urban) and PMAY Gramin (Rural). The objective of the urban scheme is to provide houses to the people living in cities who do not have their own houses, while the rural scheme has been started to benefit the poor and homeless families of the villages.
In this article we will share complete information related to Pradhan Mantri Awas Yojana 2025 (PM Awas Yojana 2025). In this you will know what this scheme is, what is the difference between its two main types Urban and Gramin and which people can get its benefit.
Besides, we will also tell you what facilities are provided under this scheme, what documents are required for the application and what is the complete process of application. If you too are dreaming of building your own house and want to take advantage of the financial assistance provided by the government, then this article will prove to be very useful for you.
PM Awas Yojana 2025: Overviews
| Name of article | PM Awas Yojana 2025 |
| Article Type | government scheme |
| name of the scheme | Pradhan Mantri Awas Yojana (PMAY) 2025 |
| types of plans | PMAY Urban (Urban), PMAY Gramin (Rural) |
| rural assistance amount | Up to ₹1.20 lakh (up to ₹1.30 lakh in some areas) |
| urban advantage | Interest subsidy up to 3%-6.5% on home loan |
| eligibility conditions | The family should not already have a permanent house, must be an Indian citizen |
| application process | Through both online/offline |
| Official Website (Urban) | pmaymis.gov.in |
| Official Website (Rural) | pmay.nic.in |
What is PM Awas Yojana: Complete information about Prime Minister Urban and Rural Housing Scheme
Pradhan Mantri Awas Yojana (PM Awas Yojana) is an important social welfare scheme launched by the Government of India, which aims to provide permanent and safe houses to all the needy families of the country. This scheme is divided into two major categories – PMAY Urban (Urban) and PMAY Gramin (Rural).
PMAY Urban scheme is designed for those who live in cities or urban areas and do not have their own permanent house. Under this scheme, the government provides interest subsidy on home loans to eligible families, so that even low income people can easily build or buy their own house.
At the same time, the aim of PMAY Gramin Yojana is to provide permanent houses to poor families living in villages. Under the rural scheme, the beneficiaries are given direct financial assistance of ₹ 1.20 lakh to ₹ 1.30 lakh by the government, so that they can build their houses.
The main objective of this scheme is to realize the dream of “Housing for All”. The government wants every Indian citizen to have a respectable and safe home to live in.
If you do not have a permanent house yet and you fulfill the eligibility conditions of this scheme, then Pradhan Mantri Awas Yojana 2025 can prove to be a golden opportunity for you to get a house.
Benefits of PMAY-Gramin (Gramin Scheme)
Financial assistance up to ₹1.20 lakh is provided by the government to eligible beneficiaries living in rural areas. Whereas, if the beneficiaries belong to hilly, border or north-eastern states, they receive an amount of up to ₹ 1.30 lakh.
This assistance is transferred directly to the bank account of the beneficiary, thereby maintaining transparency. Apart from this, 90 to 95 days wages are also paid under MNREGA for house construction work.
Also, under the Swachh Bharat Mission, separate financial assistance is provided for construction of toilets at home.
Benefits of PMAY-Urban (Urban Scheme)
For urban areas, the government has made a provision to provide assistance up to ₹ 2.5 lakh for constructing a permanent house under PMAY-Urban 2.0.
This amount is sent to the bank account of the beneficiary in installments, so that the house construction process can be completed in a phased manner.
In addition, each beneficiary is also given additional assistance of ₹12,000 to construct a toilet in his/her home.
Additional facilities for all beneficiaries
- All houses are provided with basic amenities like kitchen, electricity connection, toilet and clean drinking water.
- With the aim of empowering women, the ownership of the house is registered in the name of the female member or in joint name.
- Environment friendly techniques are adopted in the construction of houses, so that the scheme also encourages sustainable and green development.
PM Awas Yojana 2025: Eligibility and necessary documents of Pradhan Mantri Urban and Rural Housing Scheme
The benefit of Pradhan Mantri Awas Yojana 2025 is given only to those families who fulfill the eligibility criteria set by the government. The eligibility conditions are slightly different for rural (PMAY-Gramin) and urban (PMAY-Urban) areas, so that the assistance reaches only those needy people who are actually entitled to it.
Eligibility Conditions for PMAY-Gramin (Gramin Scheme)
- The name of the beneficiary should be included in the SECC 2011 (Socio-Economic Caste Census) list.
- The family should not have any permanent house.
- The applicant must be below poverty line (BPL).
Preference is given to those families whose head is female, elderly, disabled or belongs to Scheduled Caste/Tribe (SC/ST). - It is mandatory for the applicant to have permanent residence proof, bank account and Aadhar card.
Eligibility Conditions for PMAY-Urban (Urban Scheme)
- The applicant should never have availed the benefit of any government housing scheme before.
The applicant must be a citizen of India. - There should not be a permanent house anywhere in the country in the name of the beneficiary or any member of his family.
- The applicant’s income category must be in one of the following:
- EWS (Economically Weaker Section): Annual income up to ₹3 lakh
- LIG (Lower Income Group): Annual income ₹3 lakh to ₹6 lakh
- MIG-I (Middle Income Group-I): Annual income ₹6 lakh to ₹12 lakh
- MIG-II (Middle Income Group-II): Annual income ₹12 lakh to ₹18 lakh
- To promote women empowerment, it is important for the house to be owned in the name of the female member or in joint name.
Documents Required for PM Awas Yojana 2025
The application process becomes easier if you have the following documents ready.
Documents required for PMAY-Urban (Urban Planning)
- applicant’s aadhar card
- Aadhar card of all family members
- Bank passbook or account statement
- income certificate
- Caste Certificate (if applicable)
- Documents related to property (related to land or house)
Documents required for PMAY-Gramin (Rural Scheme)
- Aadhar card
- voter id card
- PAN card
- Caste and Income Certificate
- age certificate
- ration card
- mobile number
- Bank account number (linked to Aadhaar)
- passport size photograph
How to Apply for PM Awas Yojana 2025 | Application process for Pradhan Mantri Awas Yojana 2025
Under the Pradhan Mantri Awas Yojana 2025, the application process has been decided separately for both rural (PMAY-Gramin) and urban (PMAY-Urban). Below both the processes are explained in detail in simple language.
PM Awas Yojana Gramin Apply Kaise Kare (Gramin Yojana Application Process)
The facility of online application has not been provided for Pradhan Mantri Awas Yojana Gramin. Application for this scheme is done only through offline mode.
To apply, the applicant has to go to his Gram Panchayat and contact the concerned officer or representative — such as the Gram Pradhan, Panchayat Secretary, Ward Member or Housing Assistant.
You have to fill an application form and submit it to the Panchayat Secretary. After this, the Housing Assistant enters your information on the online portal. After completion of the application, physical verification is done by the officer. After verification, your name is included in the approved list (Beneficiary List) and then the amount for house construction is sent directly to the bank account.
Note: Online applications are not accepted for Pradhan Mantri Awas Yojana Gramin, only offline process can be applied.
PM Awas Yojana Urban Apply Kaise Kare (Urban Yojana Online Application Process)
Application for Pradhan Mantri Awas Yojana Urban can be made completely online. Follow the steps below to apply
-
- First of all go to the official website of PMAY-Urban.
- Go to the “Citizen Assessment” section on the homepage and select the “Apply Online” option.
- Now fill all the requested information carefully like name, address, income group, family members etc.
- Submit the form after filling all the details correctly.
- After completion of the application, take a print out of it and keep it safe with you.
- You can also check the Application Status in future through the application number.
- After this, physical inspection of your house (Field Verification) will be done by the officer and if everything is found correct, your application will be approved.
PM Awas Yojana Gramin List Check Kaise Kare (How to see name in the list)
After the approval of the beneficiaries applying under the Pradhan Mantri Awas Yojana 2025, an official list (PMAY List) is released by the government. Those whose names appear in this list are given funds for house construction.
Follow these steps to see your name in the list
- First of all go to the official website of PMAY Gramin.
- Click on “Awassoft” option there.
- Now Report → CH. Go to Social Audit Reports → Beneficiary Details for Verification.
- Then select State, District, Block and Panchayat.
- Enter Captcha Code and click on Submit button.
- Now the PMAY Gramin Beneficiary List of the selected Panchayat will open in front of you, in which you can see your name.
Important Links
| PMAY New List | urban || Rural |
| Application Status | urban || Rural |
| Official Website | urban || Rural |
