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Always apply through the official PMAY government website only. Avoid agents or fake portals charging money for registration. Application is completely free.
Maximum Home Loan Subsidy
₹2,67,000
🏠 Apply Online Now — pmaymis.gov.in (Urban)
🌾 Apply for PMAY Gramin — pmayg.nic.in (Rural)
Interest subsidy up to 6.5% per annum on home loans under PMAY-Urban & Gramin scheme
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How to Apply Online | आवेदन कैसे करें- 1Visit the official PMAY website: pmaymis.gov.in (Urban) or pmayg.nic.in (Gramin/Rural)
- 2Click on "Citizen Assessment" and select your category: EWS / LIG / MIG-I / MIG-II
- 3Enter your Aadhaar number for identity verification and complete OTP confirmation
- 4Fill in personal, income, and bank account details accurately in the application form
- 5Upload all required documents and submit the form. Save your Application Reference Number
- 6Track your application status online using reference number or Aadhaar at any time
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Eligibility Criteria | पात्रता मानदंडEWS — Income up to ₹3 Lakh/yr
LIG — Income ₹3–6 Lakh/yr
MIG-I — Income ₹6–12 Lakh/yr
MIG-II — Income ₹12–18 Lakh/yr
No permanent house in India
First-time home buyer only
House not in family member's name
Valid Aadhaar Card mandatory
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Documents Required | आवश्यक दस्तावेज़Aadhaar Card
PAN Card
Income Certificate
Bank Account Passbook
Address Proof
Caste Certificate (SC/ST)
Property / Land Documents
Passport Size Photo
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Subsidy Benefits by Category | श्रेणीवार सब्सिडी लाभ| Category | Annual Income | Interest Subsidy | Max Subsidy Amount |
|---|---|---|---|
| EWS | Up to ₹3 Lakh | 6.5% | ₹2,67,280 |
| LIG | ₹3 – ₹6 Lakh | 6.5% | ₹2,67,280 |
| MIG-I | ₹6 – ₹12 Lakh | 4.0% | ₹2,35,068 |
| MIG-II | ₹12 – ₹18 Lakh | 3.0% | ₹2,30,156 |