How To Apply For Pradhan Mantri Awas Yojana?

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Pradhan Mantri Awas Yojana is a scheme supported by the Government of India with an aim to provide housing for all. The Pradhan Mantri Awas Yojana was launched in April 2016.

Who is eligible under this scheme?

Individuals who fall in economically weaker sections which means those having less than Rs 3 lakhs as annual family income fall under this scheme.

How To Apply For Pradhan Mantri Awas Yojana?

The beneficiary family should not own a pucca house either in his/her name or in the name of any member of their family in any part of India to be eligible to receive central assistance under the mission.

The main beneficiaries of this latest housing for all scheme 2022 will be women, people belonging to SC or ST and economically weaker sections.

The lower income group, has been defined as households whose income is between Rs 3 lakhs to Rs 6 lakhs.

How to Apply for Pradhan Mantri Awas Yojana?

  • Visit the bank which is eligible
  • Request for Form or 
  • Download the Application Form
  • Fill in the required Details
  • Submit the Form at concerned Office

Individuals can visit any Public Sector Banks, National Housing Banks for more information on the scheme.

Credit Linked Subsidy Scheme

Credit linked subsidy will be provided on home loans taken by eligible urban poor for acquisition, construction of house.

Interest subsidy at the rate of 6.5% for a tenure of 15 years or tenure of loan whichever is lower.

Interest subsidy will be available for loan amount only upto Rs 6.00 Lakhs and loan amount beyond 6.00 Lakhs will be at non-subsidized rate i.e.,normal Bank rate will be applicable.


In case if loan is availed for construction purpose, disbursement will be made in stages as per progress in construction. However, the construction to be completed within 18 months to become eligible for subsidy.

Loan can be applied either directly or through Urban Local Body or NGO or through the Local Agency identified by the State/ULB.

Also note that carpet area of the construction should be upto 30 sq.m for economically weaker section and upto 60 sq.m. for low income group category.

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