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Pradhan Mantri Awas Yojana · Sarkari Paisa

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ACTIVEIn forceiStatus reflects the scheme record; individual clauses may differ.

Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana — DRAFT facts sourced from the V1 dataset (ministry: Rural / Urban Development), pending official-source verification.

Housing

Scheme guidelineT4UNVERIFIEDas of 1 Jun 2026

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No overview, state applicability, or FAQ content on file for this scheme yet.

[V1 draft] age 18-70; sector: housing; applicant: Individual
SourceT4UNVERIFIEDas of 1 Jun 2026

Loan terms

Loan amount: — – ₹30,00,000
Margin: 0.1%
Tenure: —–240 months
Moratorium: —
Collateral: Not required
Currency: INR

No land required (V1 draft)

SourceT4UNVERIFIEDas of 1 Jun 2026

Loan amount: — – ₹30,00,000
Margin: 10%
Tenure: —–240 months
Moratorium: —

Papers you need

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How to apply

1PMAY-G: verify inclusion in the Awaas+/SECC list at the gram panchayat; block office registers the beneficiary on AwaasSoftDone by: Gram Panchayat / Block OfficeOpen the official page →

2PMAY-G: assistance released in instalments against geo-tagged construction progress (sanction, lintel, completion)Done by: State / District

3PMAY-U 2.0: apply on the PMAY-U 2.0 portal, complete the eligibility check and surveyDone by: ApplicantOpen the official page →

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Credit Linked Subsidy Scheme (CLSS) - Housing

Chief Minister Housing Assistance Programme

Collateral

—

Currency

INR

SourceT4UNVERIFIEDas of 23 Jul 2026

Loan amount: — – ₹25,00,000
Margin: —
Tenure: —
Moratorium: —
Collateral: Not required
Currency: INR

PMAY-U 2.0 Interest Subsidy Scheme: 4% interest subsidy on the first ₹8 lakh of a home loan up to ₹25 lakh (property value up to ₹35 lakh); subsidy credited/adjusted upfront and released via DBT over five annual instalments.

SourceT2UNVERIFIEDas of 24 Jul 2026

Interest rates

Rate: 9% – 9% p.a.
Type: FIXED
Basis: —

~8.5–9.5% (V1 draft)

SourceT4UNVERIFIEDas of 1 Jun 2026

Rate: 8.5% – 9.5% p.a.
Type: RANGE
Basis: —

PM-Awas (PMAY/CLSS) — interest subsidy delivered as ~Rs 2.67L upfront credit (EWS/LIG), modeled as a fixed subsidy; indicative DRAFT.

SourceT4UNVERIFIEDas of 23 Jul 2026

Subsidies

Type: CAPITAL
Amount: ₹2,67,000
Percentage: —
Max cap: ₹2,67,000

SourceT4UNVERIFIEDas of 1 Jun 2026

Type: CAPITAL
Amount: ₹2,67,000
Percentage: —
Max cap: —

SourceT4UNVERIFIEDas of 23 Jul 2026

Type: CAPITAL
Amount: ₹1,20,000
Percentage: —
Max cap: —

SourceT2UNVERIFIEDas of 24 Jul 2026

Type: CAPITAL
Amount: ₹2,50,000
Percentage: —
Max cap: —

SourceT2UNVERIFIEDas of 24 Jul 2026

Type: INTEREST
Amount: —
Percentage: 4%
Max cap: ₹1,80,000

SourceT2UNVERIFIEDas of 24 Jul 2026

4PMAY-U 2.0 ISS: avail a home loan from an empanelled Primary Lending Institution; interest subsidy credited via DBT to the loan accountDone by: Primary Lending Institution