All About PM Jan Dhan Yojana | What is PMJDY? | Benefits & Required Documents To Open Pradhan Mantri Jan Dhan Yojana Account

PM Jan Dhan Yojana details

The government of India provides a number of schemes to Indian poor people to stay happy and desire to leave like others. One of such schemes is Pradhan Mantri Jan Dhan Yojana. It was announced by Prime Minister, Narendra Modi on 15 August 2014 and was launched on 28 August 2014. The main aim of launching this PM Jan Dhan Yojana Scheme is to empower citizens financially and everyone can get the benefits of growth and development. This was the first biggest financial inclusion initiative in the world.

At the time of originating the Yojana, the Prime Minister had expressed this event as a festival to commemorate the liberation of the poor from a vicious cycle. There are various achievements received under this Pradhan Mantri Jan-Dhan Yojana. Also, the Guinness Book of World Records recognised the achievements made under PMJDY Scheme. For more information of PMJDY Scheme, kindly look at the below links and grab the accurate details of your need.

This Article Contains:

What is PM Jan Dhan Yojana (PMJDY)?

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a National Mission launched by the Indian Government for accessing various financial services, such as Banking/ Savings & Deposit Accounts, Remittance, Insurance, Credit, Pension to the poor citizen in the country.

Also Check: Pradhan Mantri Awas Yojana 


Interest Rate Based on the saving’s account interest rate offered by the bank
Minimum Balance Zero balance account
Accidental Insurance Cover Under Rupay Scheme, Rs.1 lakh. Accounts opened after 28 August 2018, Rs.2 lakh
Overdraft Facility Provided

Objectives of PM Jan-Dhan Yojana Scheme?

The Indian Government started the Pradhan Mantri Jan Dhan Yojana (PMJDY) to offer financial services and products to individuals who are poor and who do not have access to a bank account. Here are the few goals to start this scheme called PMJDY:

  • Universal access to banking facilities for all sections
  • Credit guarantee fund
  • Improving financial literacy via financial literacy centers
  • RuPay debit card facility
  • Pension facility for an unorganized sector (Swavalamban)
  • Reactivation of dormant accounts
  • Savings bank accounts for all adult citizens
  • Micro-insurance facility
  • Access to need-based credit
  • Overdraft facility (up to Rs.5000 after six months of satisfactory credit history)

Eligibility for PMJDY Scheme

Satisfying the following conditions is necessary and mandatory for every individual applying for the PMJDY Account. Let’s take a look at the below points and then move to the next step.

  • Applying candidate should be an Indian citizen
  • The minimum age limit is 10 years.
  • He/she do not hold any bank account previously.

How to Open a Bank Account under PMJDY?

To open a bank account under Jan Dhan Yojana, eligible candidates have to fill the application form provided by the official website of PMJDY ie., and submit it to the bank along with required documents. The bank sectors that offer the Pradhan Mantri JDY scheme are listed below, choose the nearest bank and open a zero balance account under PM Jan Dhan Yojana.

The application form name is the financial inclusion account opening form. You can see three different sections in the form where you should enter the details of yourself, the nominee, and the bank details. Also, check out the documents that are needed to submit the application from the below section and gather all required things in place.

Documents Required for Opening a Bank Account under PMJDY

The list of necessary documents that should be submitted along with the application form of Pradhan Mantri Jan Dhan Yojana is furnished here. Take a look and gather all of them without any fail to avoid last-minute removals or mistakes.

  • Aadhaar
  • Passport
  • Driving license
  • Permanent Account Number (PAN) Card
  • Voter ID
  • A photograph that has been attested along with a letter from a Gazetted officer need to be presented.
  • The National Rural Employment Guarantee Act (NREGA) issued Job Card.
  • central or state government departments, public sector undertakings, scheduled commercial banks, public financial institutions, and statutory or regulatory authorities issued Identity card with a photo.

List of Private & Public Bank Sectors that provide the PM Jan Dhan Yojana Scheme

Both public and private sector banks are providing the facility to open a bank account under the PMJDY Scheme. So, verify the list of bank sectors that offer & participate in the scheme of PM Jan Dhan Yojana:

Private Sector Banks:

  • Dhanalaxmi Bank Ltd.
  • YES Bank Ltd.
  • Kotak Mahindra Bank Ltd.
  • Karnataka Bank Ltd.
  • ING Vysya Bank Ltd.
  • IndusInd Bank Ltd.
  • Federal Bank Ltd.
  • HDFC Bank Ltd.
  • Axis Bank Ltd.
  • ICICI Bank Ltd.

Public Sector Banks:

  • Oriental Bank of Commerce (OBC)
  • Union Bank of India
  • Allahabad Bank
  • Dena Bank
  • Syndicate Bank
  • Punjab & Sind Bank
  • Vijaya Bank
  • Central Bank of India
  • Punjab National Bank (PNB)
  • Indian Bank
  • IDBI Bank
  • Corporation Bank
  • Canara Bank
  • Bank of India (BoI)
  • Bank of Maharashtra
  • Andhra Bank
  • Bank of Baroda (BoB)
  • State Bank of India (SBI)

What are the Benefits of the Pradhan Mantri Jan-Dhan Yojana Scheme?

You can find various advantages in the scheme of the PMJDY. Some of them are enlisted here for quick reference to the people who are looking for the details about PM Jan Dhan Yojana Account:

  • Interest is granted on the deposits that are offered towards the savings account started under the PMJDY scheme.
  • There is no minimum balance policy for the people under PMJDY Account. But, in case they wish to avail themselves cheque facilities, a minimum balance must be maintained.
  • If individuals manage the account in a good manner for 6 months, an overdraft facility is granted.
  • People can also hold Accidental Insurance cover of Rs.1 lakh under the RuPay scheme.
  • If the account was initiated between 20 August 2014 and 31 January 2015, a life cover of Rs.30,000 is given when the beneficiary passes away.
  • Under this PMJDY, insurance products and pension access are presented.
  • In case individuals are beneficiaries of government schemes, the Direct Benefit Transfer option is provided.
  • An overdraft facility of Rs.5,000 is given to one account in the household. The facility is normally contributed to the lady in the house.
  • The Personal Accident cover can be claimed only after the RuPay Cardholder has made a successful non-financial or financial transaction.
  • Transactions made within 90 days of the accident are supposed to be PMJDY qualified transactions under the scheme. Yet, the transaction must be performed at an E-COM, POS, ATM, Bank Mitra, bank branch, etc.
  • Account-holders can verify their balance with the help of the mobile banking facility.

FAQs on PM Jan Dhan Yojana (PMJDY) Mission

1. Is a minor candidate eligible for PMJDY?

Yes, a minor is also eligible for the PMJDY scheme and to open a bank account under the supervision of seniors.

2. What are the ID proofs needed to open a bank account under PM Jan-Dhan Yojana?

The ID’ proof that is presented in the following list are important & needed to open a bank account under PMJDY:

  • Aadhaar Card
  • Voter ID Card
  • Passport
  • Driving license

3. प्रधानमंत्री जनधन खाता कैसे खोलें? or How to Open Pradan Mantri Jan Dhan Yojana Bank Account?

To open the PM Jan Dhan Yojana Bank Account, all you have to do is check the eligibility and then fill the application form which is available on the official website of PMJDY. Later, submit it with required documents in the respective private or public bank that provide this scheme to the poor citizens in our society.

Pradhan Mantri Awas Yojana List | PMAY State-wise List of Completed Houses

Pradhan Mantri Awas Yojana (PMAY) Scheme

Pradhan Mantri Awas Yojana List 2019-20: Our Honorable Prime Minister Shri Narendra Modi launched this PMAY Scheme – Housing for all by 2022 in India. By this scheme, urban & rural poor people can avail of the benefits of a house with all facilities. Here, you find complete details about PMAY Scheme List 2019.

Pradhan Mantri Awas Yojana List 2019-20

Under Pradhan Mantri Awas Yojana Scheme 2019, beneficiaries are also eligible to purchase/construct a home at a lower cost. Also, eligible applicants can get an interest rate subsidy loan from nodal agencies. You can refer to the below list of Nodal Agencies under PM Awas Yojana (Urban) 2019 Scheme.

List of State Level Nodal Agencies for PM Awas Yojana 2019 Urban

State/UT Organisation Name Address
Andaman and Nicobar Islands Union Territory of Andaman and Nicobar Islands Municipal Council, Port Blair – 744101
[email protected]
Andhra Pradesh Andhra Pradesh State Housing Corporation Limited Andhra Pradesh State Housing Corporation Limited, Himayat Nagar, Hyderabad – 500029
[email protected]
Andhra Pradesh Andhra Pradesh Township Infrastructure Development Corporation Limited Flat number 502, Vijaya Lakshmi Residency, Gunadala, Vijayawada – 520004
[email protected]
[email protected]
Arunachal Pradesh Government of Arunachal Pradesh Department of Urban Development and Housing, Mob-II, Itanagar
[email protected]
[email protected]
Assam Government of Assam Block A, Room no. 219, Assam Secretariat, Dispur, Guwahati – 781006
[email protected]
Bihar Government of Bihar Urban Development and Housing Department, Vikas Bhawan, Bailey road, New Secretariat, Patna, Bihar – 15
[email protected]
Chandigarh Chandigarh Housing Board Sector 9-D, Chandigarh – 160017
[email protected]
[email protected]
Chhattisgarh Government of Chhattisgarh Mahanadi Bhawan Mantralaya, Room No. S-1/4, Naya Raipur, Chhattisgarh
[email protected]
Dadra and Nagar Haveli, and Daman and Diu Union Territory of Dadra and Nagar Haveli, and Daman and Diu Secretariat, Silvassa – 396220
[email protected]
Dadra and Nagar Haveli Union Territory of Dadra and Nagar Haveli Secretariat, Silvassa – 396220
[email protected]
Goa Government of Goa GSUDA, 6th Floor, Shram Shakti Bhavan, Patto – Panaji
[email protected]
Gujarat Government of Gujarat Affordable Housing Mission, New Sachivalaya, Block No. 14/7, 7th floor, Gandhinagar – 382010
[email protected]
[email protected]
Haryana State Urban Development Agency Bays-11-14, Palika Bhawan, Sector-4, Panchkula, Haryana – 134112
[email protected]
Himachal Pradesh Directorate of Urban Development Palika Bhawan, Talland, Shimla
[email protected]
Jammu and Kashmir Jammu and Kashmir Housing Board [email protected]
[email protected]
Jharkhand Urban Development Department 3rd floor, Room No: 326, FFP Building, Dhurwa, Ranchi, Jharkhand – 834004
[email protected]
[email protected]
Kerala State Poverty Eradication Mission TRIDA Building, Jn. Medical College, PO Thiruvananthapuram
[email protected]
Madhya Pradesh Urban Administration and Development, GoMP Palika Bhawan, Shivaji Nagar, Bhopal – 462016
[email protected], [email protected]
Maharashtra Government of Maharashtra Griha Nirman Bhawan, 4th Floor, Kalanagar, Bandra (East), Mumbai – 400051
[email protected], [email protected]
Manipur Government of Manipur Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001
[email protected], [email protected]
Meghalaya Government of Meghalaya Town Planning Department, Government of Manipur, Directorate Complex, North AOC, Imphal – 795001
[email protected], [email protected]
Mizoram Urban Development & Poverty Alleviation, Government of Mizoram Directorate of Urban Development and Poverty Alleviation, Thakthing Tlang, Aizawl, Mizoram – 796005
[email protected]
Nagaland Government of Nagaland Municipal Affairs cell, A.G. Colony, Kohima – 797001
[email protected]
Odisha Housing and Urban Development (H&UD) Department 1st Floor, State Secretariat, Annex – B, Bhubaneswar – 751001
[email protected]
Puducherry Government of Puducherry Town & Country Planning Deptt. Jawahar Nagar Boomianpet Puducherry – 605005
[email protected]
Punjab Punjab Urban Development Authority PUDA Bhawan, Sector 62, SAS Nagar, Mohali, Punjab
[email protected] [email protected]
Rajasthan Rajasthan Urban Drinking Water, Sewerage & Infrastructure Corporation Ltd (RUDSICO) 4-SA-24, Jawahar Nagar, Jaipur, Rajasthan
[email protected]
Sikkim Government of Sikkim Department of Urban Development and Housing, Government of Sikkim, NH 31A, Gangtok – 737102
[email protected]
Tamil Nadu Government of Tamil Nadu Tamil Nadu Slum Clearance Board, No.5 Kamarajar Salai, Chennai, Tamil Nadu – 600005
[email protected]
Telangana Government of Telangana Commissioner and Director of Municipal Administration, 3rd Floor, AC Guards Public Health, Lakdikapool, Hyderabad
[email protected]
Tripura Government of Tripura Directorate Of Urban Development, Government of Tripura, Pandit Nehru Complex, Gorakha Basti, 3rd Floor, Khadya Bhawan, Agartala – 799006
[email protected]
Uttarakhand Directorate of Urban Development State Urban Development Authority 85A, Motharawala Road, Ajabpur Kalan, Dehradun
[email protected]
Karnataka Government of Karnataka 9th Floor, Vishweshwaraiah Towers, Dr.Ambedkar Veedhi, Bangalore – 560001
[email protected]
West Bengal State Urban Development Authority ILGUS Bhavan, Block HC Block, Sector 3, Bidhannagar, Kolkata – 700106
[email protected]
Uttar Pradesh State Urban Development Agency (SUDA) Navchetana Kendra, 10, Ashok Marg, Lucknow – 226002
[email protected]

You can even check the detailed steps on how to get the Interest Rate of Subsidy under PMAY scheme from here.

Pradhan Mantri Awas Yojana Scheme List 2020 (State-wise List of Completed Houses)

The PMAY is a government afforable housing scheme for urban people. It allows eligible beneficiaries to purchase a home at a lower cost. The following table gives you the complete PMAY Scheme 2019 List of all the houses that have been completed each year:

State Name Houses Completed
Before 2016-17 2017-2018 2018-2019 2019-2020
ASSAM 169490 17970 0 187460
BIHAR 697975 144896 0 842871
CHHATTISGARH 233677 196350 176367 606394
GOA 15 0 0 15
GUJARAT 99434 70170 0 169604
HARYANA 13015 2556 0 15571
HIMACHAL PRADESH 4955 1805 0 6760
JAMMU AND KASHMIR 8858 3814 0 12672
JHARKHAND 225057 125884 86107 437048
KERALA 30093 3047 0 33140
MADHYA PRADESH 447845 377898 501888 1327631
MAHARASHTRA 259454 98897 24944 383295
MANIPUR 6320 0 0 6320
MEGHALAYA 9105 0 0 9105
MIZORAM 2495 0 0 2495
NAGALAND 14 0 0 14
ODISHA 368638 277868 170966 817472
PUNJAB 9309 2763 0 12072
RAJASTHAN 260110 197765 146589 604464
SIKKIM 1397 0 0 1397
TAMIL NADU 217938 41368 1750 261056
TRIPURA 24753 1001 0 25754
UTTAR PRADESH 558649 364627 275494 1198770
UTTARAKHAND 9453 3326 0 12779
WEST BENGAL 476694 361966 452928 1291588
DAMAN AND DIU 0 13 0 13
ANDHRA PRADESH 34912 3440 0 38352
KARNATAKA 62023 34492 0 96515

Also Read: How to Check PMAY Online Application Status?
Note: The total number of houses completed between the years 2017 and 2018 under Pradhan Mantri Awas Yojana Scheme is 44.54 lakh.

State Wise List of PMAY- Gramin Physical Progress Report Till Date

State Ministry of Rural Development Target States Target Registered Registered Projects (in Geo Targeted area) Sanctions (Out of Geo Targetted area) Sanctions granted for verified Accounts 1st 2nd 3rd 4th Completed
ARUNACHAL PRADESH 11221 9154 3226 1850 1335 1090 0 0 0 0 79
ASSAM 259814 259810 272621 242719 225699 224888 223703 211136 168261 0 153297
BIHAR 1176617 1176617 1105845 1061725 1012081 1001156 935225 680508 426660 0 450507
CHHATTISGARH 788235 788235 874473 840074 788216 785325 784802 711949 627644 68015 595317
GOA 761 761 144 117 108 106 91 25 2 0 2
GUJARAT 204703 204703 246201 229095 201714 200271 198611 178566 135392 57163 163730
HARYANA 21502 21502 21409 21281 20981 20745 18513 14785 8544 0 10174
HIMACHAL PRADESH 7385 7385 7624 7122 6897 6891 6887 6642 6288 0 6301
JAMMU AND KASHMIR 38772 38772 48379 36448 32730 32064 26492 18019 12025 0 11953
JHARKHAND 528791 528791 582173 557197 528500 527356 526192 494600 389240 329163 418721
KERALA 42431 42431 31560 18699 16997 16993 16941 15947 14950 0 15230
MADHYA PRADESH 1399084 1399084 1744255 1504888 1399130 1396923 1396220 1369049 1334342 970984 1278557
MAHARASHTRA 449820 449820 1062532 604855 430663 425406 416744 368006 332053 157415 316034
MANIPUR 9740 9740 15259 13675 9740 9719 9720 9244 7589 0 5446
MEGHALAYA 20745 20745 21291 20915 20593 20129 18708 15518 9595 0 5839
MIZORAM 6600 6600 9754 4803 4691 4272 2527 2385 2290 2052 2173
NAGALAND 8481 8481 9128 5926 3629 3621 3009 0 0 0 0
ODISHA 992558 992558 1079070 1031183 992275 991563 990999 928264 850547 683674 793392
PUNJAB 14000 13995 39012 32693 14039 13973 13977 13298 10550 0 11334
RAJASTHAN 687091 687091 821300 734070 686212 684847 684238 656777 578045 0 577849
SIKKIM 1095 1095 1107 1096 1084 1083 1076 1051 1028 977 995
TAMIL NADU 327552 327552 428684 341754 299141 294545 273896 202957 165220 140226 151257
TRIPURA 24989 24989 28068 25498 24989 24977 24981 24543 23606 0 22742
UTTAR PRADESH 1282616 1282616 1357273 1326324 1270742 1268866 1267891 1247282 1166823 0 1194093
UTTARAKHAND 15776 14082 12811 12623 12580 12559 12554 11894 10576 0 11310
WEST BENGAL 1397474 1397474 1600112 1514543 1392956 1390019 1389660 1356432 1293482 773949 1236026
ANDAMAN AND NICOBAR 972 210 1760 2 0 0 0 0 0 0 0
DADRA AND NAGAR HAVELI 7605 5718 5644 5636 5615 5574 881 230 61 0 141
DAMAN AND DIU 15 15 15 15 14 14 13 13 13 0 13
LAKSHADWEEP 57 54 55 53 53 53 52 0 0 0 0
PUDUCHERRY 0 0 0 0 0 0 0 0 0 0 0
ANDHRA PRADESH 123112 120943 92057 81828 80711 0 60550 44027 41903 20248 39033
KARNATAKA 145349 145349 148995 145188 137989 0 102784 90495 78907 67384 72390
TELANGANA 0 0 0 0 0 0 0 0 0 0 0
Total 9994963 9986372 11671837 10423895 9622104 9365028 9407937 8673642 7695636 3271250 7543935

PMAY List 2019 – List of Finance Companies & Banks under PM Housing Scheme

Here, beneficiaries can see the list of all banks and finance companies that are covered under the Pradhan Mantri Awas Yojana Scheme. These banks and companies will support people to approve the loan and credit the subsidy amount to your accounts. So, check at the below-provided Finance Companies and Banks Pradhan Mantri Awas Yojana List 2020 and apply for the scheme directly from the particular bank.

List of Housing Finance Companies Under PMAY Urban Scheme 2019

  • Aadhar Housing Finance Ltd.
  • Aditya Birla Housing Finance Ltd.
  • Akme Star Housing Finance Ltd.
  • Aptus Value Finance Corporation Ltd.
  • Aptus Value Housing Finance India Ltd.
  • Aspire Home Finance Corporation Ltd.
  • AU Housing Finance Ltd.
  • Can Fin Homes Ltd.
  • Capital First Home Finance Ltd.
  • Capri Global Housing Finance Private Limited
  • Cent Bank Home Finance Ltd.
  • Dewan Housing Finance Corporation Ltd.
  • DHFL Vyasa Housing Finance Ltd
  • DMI Housing Finance Pvt. Ltd.
  • Edelweiss Housing Finance Pvt. Ltd
  • Equitas Housing Finance Pvt. Ltd.
  • Fast Track Housing Finance Company Ltd.
  • Fullerton Home Finance Company Ltd
  • GIC Housing Finance Ltd
  • GRUH Finance Ltd.
  • Habitat Microbuild India Housing Finance Company Pvt. Ltd.
  • HBN Housing Finance Ltd.
  • Hinduja Housing Finance Limited
  • Home First Finance Company Ltd.
  • Housing and Development Corporation Limited
  • Housing Development Finance Corporation Ltd.
  • ICICI Home Finance Company Ltd.
  • IKF Housing Finance Private Limited
  • India Bulls Housing Finance Ltd.
  • India Home Loan Ltd.
  • India Infoline Housing Finance Ltd.
  • India Shelter Finance Corporation Ltd.
  • Khush Housing Finance Ltd.
  • L&T Housing Finance Ltd.
  • LIC Housing Finance Ltd.
  • Magma Housing Finance
  • Mahindra Rural Housing Finance Ltd.
  • Mamata Housing Finance Company Pvt. Ltd.
  • Manappuram Home Finance Pvt. Ltd.
  • Manipal Housing Finance Syndicate Ltd.
  • MAS Rural Housing and Mortgage Finance Ltd.
  • Mentor Home Loans India Ltd.
  • Micro Housing Finance Corporation Ltd
  • Muthoot Homefin Ltd.
  • Muthoot Housing Finance Company Ltd.
  • National Trust Housing Finance Ltd.
  • New Habitat Housing Finance and Development Ltd.
  • Nivera Home Finance Ltd
  • North East Region Housing Finance Ltd.
  • Orange City Housing Finance Ltd.
  • Panthoibi Housing Finance Company Ltd.
  • PNB Housing Finance Ltd.
  • RAAS Housing Finance (India) Ltd.
  • Reliance Home Finance Ltd.
  • Religare Housing Development Finance Corporation Ltd.
  • Repco Home Finance Ltd.
  • Sahara Housing Finance Corporation Ltd
  • Saral Home Finance Ltd.
  • SEWA Grih Rin Ltd.
  • Shriram Housing Finance Ltd.
  • Shubham Housing Development Finance Company Pvt. Ltd.
  • SRG Housing Finance Ltd.
  • Sundaram BNP Paribas Home Finance Ltd.
  • Supreme Housing Finance Limited
  • Swagat Housing Finance Company Ltd.
  • Swarna Pragati Housing Microfinance Private Limited
  • Tata Capital Housing Finance Ltd.
  • Ummeed Housing Finance Private Limited
  • USB Housing Finance Corporation Ltd
  • Vastu Housing Finance Corporation Ltd
  • Viva Home Finance Ltd.
  • West End Housing Finance Limited

Also Check: Pradhan Mantri Awas Yojana Online Application Process 

List of Public Sector Banks Under PM Awas Yojana Gramin 2019 Scheme

  • Allahabad Bank
  • Andhra Bank
  • Bank of Baroda
  • Bank of India
  • Bank of Maharashtra
  • Bhartiya Mahila Bank Ltd.
  • Canara Bank
  • Central Bank of India
  • Corporation Bank
  • Dena Bank
  • Indian Bank
  • Indian Overseas Bank
  • Oriental Bank of Commerce
  • Punjab & Sind Bank
  • Punjab National Bank
  • State Bank of Patiala
  • Syndicate Bank
  • UCO Bank
  • United Bank of India
  • Vijaya Bank

List of Private Sector Banks Under PMAY

  • South Indian Bank Ltd.
  • Tamilnad Mercantile Bank Ltd
  • The Federal Bank Ltd.
  • Yes Bank
  • Axis Bank Ltd.
  • Catholic Syrian Bank
  • City Union Bank
  • Karur Vysya Bank Ltd.
  • Lakshmi Vilas Bank
  • Nainital Bank Ltd.
  • DCB Bank Ltd.
  • Dhanlaxmi Bank Ltd
  • ICICI Bank Ltd.
  • J & K Bank
  • Karnataka Bank Ltd.

Pradhan Mantri Awas Yojana 2019 Gramin List of Regional Rural Banks

  • Dena Gujarat Gramin Bank
  • Ellaquai Dehati bank
  • Gramin Bank of Aryavart
  • J& K Grameen Bank
  • J&K State Cooperative Bank
  • Jalgaon Janata Sahakari Bank Ltd.
  • Bangiya Gramin Vikas Bank
  • Baroda Gujrat Gramin bank
  • Baroda Rajasthan Kshetriya Gramin Bank
  • Baroda Uttar Pradesh Gramin Bank
  • Bihar Gramin Bank
  • Bihar State Co-operative Bank Ltd.
  • Bombay Mercantile Co-operative Bank
  • Allahabad UP Gramin Bank
  • Andhra Pradesh Grameena Vikas Bank
  • Arunachal Pradesh Rural Bank
  • Assam Gramin Bank
  • Central Godavari Grameena Bank
  • Chaitanya Godavari Grameena Bank
  • Chhattisgarh Rajya Gramin Bank
  • Chhattisgarh Rajya Sahakari Bank Maryadit
  • Citizen Credit Co-op Bank Limited
  • Cosmos Co-operative Urban Bank Ltd.
  • Cosmos Co-operative Urban Bank Ltd.
  • Madhya Bihar Gramin Bank
  • Madhyanchal Gramin Bank
  • Mahanagar Co-Operative Bank Ltd.
  • Maharashtra Gramin Bank
  • Manipur Rural Bank
  • Meghalaya Co-Operative Apex Bank Ltd
  • Meghalaya Rural Bank
  • Mehsana Urban Co-Operative Bank Ltd.
  • Janta Sahakari Bank Ltd
  • Jharkhand Gramin Bank
  • Jharkhand State Co-Operative Bank Ltd.
  • Kalupur Commercial Co-operative Bank Ltd.
  • Karad Urban Co-operative Bank Ltd.
  • Karnataka Vikas Grameena Bank
  • Kashi Gomti Samyut Bank
  • Kaveri Grameena Bank
  • Kerala Gramin Bank
  • Kerala State Co-Operative Bank Ltd.
  • Langpi Dehangi Rural Bank
  • Pragathi Krishna Gramin Bank
  • Prathama Bank
  • Prime Co-operative Bank Ltd.
  • Punjab & Maharashtra Co- operative Bank Ltd
  • Punjab GRamin Bank
  • Purvanchal Bank
  • Rajasthan Marudhara Gramin Bank
  • Rajkot Nagarik Sahakari Bank Limited
  • Mizoram Cooperative Apex Bank Ltd.
  • Mizoram Rural Bank
  • Nagaland Rural Bank
  • Narmada Jhabua Gramin
  • Nutan Nagarik Sahakari Bank Ltd.
  • Odisha Gramiya Bank
  • Odisha State Cooperative Bank
  • Pandyan Grama Bank
  • Shree Panchganag Nagari Sahakari Bank Ltd.
  • Shri Mahila Sewa Sahakari Bank Ltd.
  • Sikkim State Co-Operative Bank Ltd.
  • Telangana Grameena Bank
  • The Ahmedabad Mercantile Co-operative Bank Ltd.
  • The Bharat Co-operative Bank (Mumbai) Ltd.
  • The Goa State Co-Operative Bank Ltd.
  • The Greater Bombay Co-operative Bank Ltd.
  • The Gujarat State Co-operative Bank Ltd
  • The Kalyan Janata Sahakari Bank Ltd.
  • Sangli Urban Co-Operative Bank Ltd.
  • Sardar Bhiladwala Pardi People’s Co-Operative Bank Ltd.
  • Sarva Haryana Gramin Bank
  • Sarva UP Gramin Bank
  • Sarvodaya Commercial Co- operative Bank
  • Satlij Gramin Bank
  • Saurashtra Gramin Bank
  • Shikshak Sahakari Bank Ltd.
  • Tripura Gramin Bank
  • Utal Grameen Bank
  • Uttar Bihar Gramin Bank
  • Uttarakhand State Cooperative Bank Ltd.
  • Uttarbanag Kshetriya Gramin Bank
  • The Nawangar Co-operative Bank Ltd.
  • The Punjab State Cooperative Bank Ltd.
  • The Surat People’s Cooperative Bank Ltd.
  • The West Bengal State Co-operative Bank Ltd.
  • Vanachal Gramin Bank

Find More About PMAY Resources:

If you have any doubts regarding Pradhan Mantri Awas Yojana Gramin/Urban List 2019-20, feel free to drop a comment in the below section. We will check our list of banks linked with PMAY scheme and get back to you soon.

How to Apply For Pradhan Mantri Awas Yojana (Housing for all by 2022)

Pradhan Mantri Awas Yojana (PMAY) Scheme

How to Apply For Pradhan Mantri Awas Yojana (Housing for all by 2022): The Government of India started to provide a place to reside for a number of millions of urban poor with the scheme called PMAY – Housing for all. Prime Minister Shri Narendra Modi Ji launched this PMAY(U) Scheme on 1st June 2015 and set a deadline to complete it by 2022.

Over 2,508 cities and towns around 26 states in the country are identified by the government. So, they are going to construct above 2 million houses. Candidates who belong to EWS, LIG, MIG Categories under the following income groups can apply the PMAY scheme online for availing the affordable house benefits.

Income Groups Household Income (per annum)
Economically Weaker Section (EWS) Rs. 0 – 3 lakh
Low Income Group (LIG) Above Rs. 3 lakh and Up to Rs. 6 lakh
Middle-Income Group 1 (MIG-I) Above 6 lakh and Up to Rs. 12 lakh
Middle-Income Group 2 (MIG-II) Above Rs. 12 lakh and Up to Rs. 18 lakh

How to Apply For Pradhan Mantri Awas Yojana Online?

Pradhan Mantri Awas Yojana Scheme 2019 offers an interest subsidy of 6.5% on housing loans for 20 years along with other benefits. If you are looking to apply for a house under Pradhan Mantri Awas Yojana Scheme. Go through with this article and find the detailed steps for PM Awas Yojana Apply Online/Offline. The last date to apply for the PMAY scheme and avail subsidy on a home loan is 31 March 2022. The last date for MIG I & II Category people to apply online for PMAY – CLSS is March 31st, 2020.

Check Eligibility Criteria for PMAY Scheme 2019-20

People who wish to avail of the PM Awas Yojana Scheme can apply online/ offline for it by filling the PMAY Online Application Form. It’s mandatory to satisfy the eligibility criteria and have an Aadhaar number to apply for the PM Awas Yojana scheme online. If you are unaware of eligibility requirements then click on the above-provided link and refer to it. In case, you don’t have an Aadhaar number then get it from your nearest CSC. Refer to the below sections and see how to apply for PMAY Online and Offline.

Online Application Process of Pradhan Mantri Awas Yojana 2019 

Check out the below-given steps to fill the PMAY Online Application Form:

  1. Visit the official PMAY website i.e.
  2. On the website home page, go to the drop-down menu section and click on “Benefits under other 3 components” option under Citizen Assessment option.

    PMAY Scheme: Benefits under other 3 component Option
  3. After selecting that option, you will redirect to Check Aadhaar/VID No. Existence page. Check the details and enter your Aadhaar Number in the provided field.Enter Aadhar Number
  4. On the next page, you will see the application page. In the form, you have to enter all the required details like Name of the beneficiary, contact details, personal details, income, bank account, and more.

    Fill the PMAY Online Application Form
                               Fill the PMAY Online Application Form
  5. After filling the information on PMAY Online Application Form, tick the disclaimer checkbox, type the Captcha and tap on the Save button.

    Click on Save Button
    Click on Save Button
  6. You can even take out a printout of duly filled Pradhan Mantri Awas Yojana Apply online form.

Also Read: Pradhan Mantri Awas Yojna List 2020

Steps for Pradhan Mantri Awas Yojana Apply Offline

Beneficiaries who are eligible for PMAY can also apply offline for the scheme by filling the application form available at the Common Service Center (CSC) which is established by the state government. You can buy the form at a nominal cost of Rs. 25 + applicable GST. Applicants who are unable to apply online and who are near to CSCs can apply offline for Prime Minister Housing Scheme 2019-20.

Read More: How to Apply for PMAY Offline?

Key Points to Memorize Regarding PMAY Online Application Form

  • Candidates should make sure that they fill the Pradhan Mantri Awas Yojna Application Form available either at the Ministry’s official website or at the registered Common Service Centre (CSC) Mediums apart from these two do not have the authority for registration of beneficiaries.
  • Applicants have to be ready with the required documents before filling out the application form.
  • Customers must check the filled details carefully if any of the false data on the application leads to rejection.

Benefits of Pradhan Mantri Awas Yojana Online Apply

Below are the benefits of applying for Pradhan Mantri Awas Yojana Scheme Online:

  • Easy to Track: After the submission of the PMAY online application form, you can easily track your PMAY scheme application online on the portal at any time.
  • Hassle-free Application: Filling the details on PradhanMantri Awas Yojana online application form is very easy. It also protects you from the hassle of visiting the CSC in person and standing in long queues. To apply for the PM Housing scheme, simply fill the online form and submit it with the necessary documents before the last date.

What are the Documents Required to Apply for PMAY Scheme

The following are the required documents to apply for Pradhan Mantri Awas Yojana (PMAY) online:

  • Aadhaar Number
  • Proof of Identity (such as PAN Card, Voter ID, Passport and Driving License)
  • Proof of Residence (such as Voter ID, Passport and Driving License)
  • Proof that the applicant does not own a ‘pucca’ house
  • In case the applicant belongs to a minority community, the proof of the same need to be provided to apply for the PMAY scheme online or offline.
  • Applicants falling under Economically Weaker Section (EWS) and Low Income Group (LIG) income groups need to provide a certificate of the same.
  • Property Valuation Certificate
  • Proof of Nationality (such as Passport and Voter ID)
  • Proof of Income (Recent Salary Slips and IT return statements)
  • Bank details and account statements
  • Proof that the applicant is constructing a home under the scheme (if applicable)

If you need any help on How to Apply For Pradhan Mantri Awas Yojana (Housing for all by 2022)? Drop a comment in the below section and our team will get back to you with the proper solution for your queries on PMAY scheme 2019.

Pradhan Mantri Awas Yojana Eligibility Criteria

Pradhan Mantri Awas Yojana (PMAY) Scheme

Pradhan Mantri Awas Yojana Eligibility Criteria details are provided here for the urban and rural people who fall under six distinct categories. These PMAY Eligibility criteria is set by the ministry of housing and urban poverty alleviation and also made clear that prospective candidate should meet the PM Awas Yojna Eligibility to get benefited for this scheme.

PMAY model of Subsidized loans supports EWS/LIG people a lot to construct a residence. Are you looking to apply for this scheme? Then, fulfill the PMAY-CLSS Eligibility Criteria and click on the below link to find complete information about Prime Minister Housing Scheme 2020.

Pradhan Mantri Awas Yojana Eligibility Criteria

Also Read: All About PMAY-U 

Pradhan Mantri Awas Yojana Eligibility Criteria for Getting Loan Subsidy

To avail of any house or financial support from the government, every candidate should meet the Pradhan Mantri Awas Yojana Urban Eligibility Criteria determined by the PMAY committee. Prospective appellants have been split into six distinct groups. Check the below table for detailed PMAY eligibility criteria under six different income groups.

Name of the Category PMAY Eligibility Details
Economically Weaker Section (EWS) People who draw an annual home income below Rs.3 lakh belong to the EWS category. However, an applicant claiming to be from EWS required to provide appropriate proof to the government to discover their claims.
Low Income Group (LIG) People who earn a household annual income from Rs.3 lakh to 6 lakh fall under the LIG category. To get eligible for PMAY-U Scheme, applicants have to provide relevant proof of their economic standing to government.
Middle Income Group (MIG-I) Candidates who earn an annual household income less than Rs.12 lakh fall under the MIG-1 category. They can also avail loans of up to Rs.9 lakh for the construction of a house.
Middle Income Group (MIG-II) Individuals who draw an annual household income between Rs.12 to Rs.18 lakh will come under the MIG-II category of PMAY-CLSS Scheme. However, people can benefit Rs.12 lakh as a loan for purchasing/constructing a residence.
Minorities People honoring from minority groups like SC/ST/OBC will come under minorities. In order to consider these people for PM Awas Yojana 2020 Scheme, they must provide proper caste and income certificates.
Women Women who fall under EWS/LIG categories will be eligible for the Pradhan Mantri Awas Yojana home loan scheme 2020.

After referring to this table, you will understand whether you are eligible for PMAY-U 2020 Scheme. If you need detailed information for every income group category, have a glance at the below sections. Also, you will find the details of PMAY-CLSS Loan Scheme 2020 Benefits under EWS, LIG, MIG categories.

Also, we have collected the list of leading banks who help applicants to provide loans for purchasing/construction of houses under PMAY-U. Click on the below link and check the Pradhan Mantri Awas Yojana Scheme 2020 Banks List.

Read More: PMAY Scheme List 2020 (Updated)

Pradhan Mantri Awas Yojana Urban Eligibility Criteria – Income Groups

Check out the complete information about Pradhan Mantri Awas Yojana Eligibility Criteria for all categories i.e., Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group (MIG-I&II).

PMAY-U Eligibility Criteria for EWS/LIG Category

  • A Candidate/family/household should not own a pucca house in India either in his name or any of his family member’s name
  • An applicant should not avail of any central/state housing scheme from the government before applying to PMAY Scheme.
  • It is mandatory to have One adult female membership in property ownership.
  • Property should be co-owned by a female member of the family
  • The location of the property needs to come under all legal towns as per the 2011 census and their next planning area.
  • An eligible beneficiary family includes husband, wife, unmarried sons and/or unmarried daughters to enjoy the benefits of PMAY 2020 Home Loan Scheme.

PradhanMantri Awas Yojana Scheme 2020 Loan Benefits under EWS/LIG

Particulars EWS LIG
Household Income (p.a.) Up to Rs. 3 Lakh Rs. 3 – 6 Lakh
Interest Subsidy 6.50% 6.50%
Eligible Loan Amount for Subsidy Calculation Up to 6 Lakh Up to 6 Lakh
Maximum Subsidy Rs. 2,67,280 Rs. 2,67,280
Maximum Loan Tenure for calculating subsidy amount 20 yrs. 20 yrs.
Maximum Dwelling Unit Carpet Area 30 sq. m. 60 sq. m.
Discount Rate for NPV Calculation of Interest Subsidy 9.00% 9.00%
Application of scheme on Existing Home Loans Sanctioned On/After 17-06-2015 17-06-2015
Woman Ownership/Co-ownership Mandatory for a new house. Not mandatory for an existing property Mandatory for a new house. Not mandatory for an existing property

Find More: How to Apply PMAY Online?

Eligibility Criteria for Pradhan Mantri Awas Yojana Loan Scheme under MIG Category

  • A beneficiary should not have a pucca house either in his/her name or in any member of his/her family in any part of the country.
  • Also, the applicant shouldn’t avail of any central/state help under any housing scheme ever from the Government of India.
  • Adult female membership ownership in the property is mandatory.
  • The location of the property must fall under all sanctioned towns as per the 2011 census and or next planning area.
  • A beneficiary family includes husband, wife, unmarried sons and/or unmarried daughters. An earning adult member (irrespective of marital status) can be treated as a separate household.

PMAY-CLSS for MIG I&II Categories

Particulars MIG-I MIG-I
Household Income (p.a.) Rs. 6 – 12 Lakh Rs. 12-18 Lakhs
Interest Subsidy 4% 3%
Eligible Loan Amount for Subsidy Calculation Up to Rs. 9 Lakh Up to Rs. 12 Lakh
Maximum Subsidy Rs. 2,35,068 Rs. 2,30,156
Maximum Loan Tenure for calculating subsidy amount 20 years 20 years.
Maximum Dwelling Unit Carpet Area 160 sq. mt 200 sq. mt
Discount Rate for NPV Calculation of Interest Subsidy 9.00% 9.00%
Application of scheme on Existing Home Loans Sanctioned On/After 1-1-2017 1-1-2017
Woman Ownership/Co-ownership Not mandatory Not mandatory
The requirement of NOC from State govt Not required Not required
House Upgradation Not Covered Not Covered

Eligibility Criteria for PM Awas Yojana Gramin Home Loan Scheme 2019-20

  • Minorities and Non – SC/ST rural households in the BPL category
  • Scheduled Tribes / Scheduled Castes are eligible for PMAY-G Scheme 2020.
  • The family of the beneficiary must not own a pucca house in any part of the country.
  • Freed bonded workers
  • Between Rs. 3 lakh and Rs. 6 lakh per annum will be the income of the beneficiary’s family.
  • Widows and next-of-kin to defense personnel/paramilitary forces killed in action (irrespective of their PMAY income criteria), ex-servicemen and retire scheme.
  • The family applying for a loan under PMAY Gramin Scheme 2020 must include a husband, wife and child/children that are unmarried.
  • Any loan amount above Rs.6 lakh, the interest rate on the additional amount will be as per the market rate.
  • The candidate and his family must satisfy the Pradhan Mantri Awas Yojana Gramin Income Criteria mandated by this scheme and should belong to either the EWS (Economically Weaker Section), LIG (Lower Income Group), or BPL (Below Poverty Line) category.

Also Read: Pradhan Mantri Awas Yojana Gramin Online Application Process

To avail subsidy under Pradhan Mantri Awas Yojana Scheme 2020, applicants of Lower Income Group/Economically Weaker Section (EWS/LIG) and Middle Income Group (MIG – I & II) should meet with the above eligibility criteria. If you satisfy the PMAY Scheme Eligibility Criteria, then you can apply for this scheme online/offline.

So, check the process of PM Awas Yojana Online Application Process from this guide and avail a house at a low cost from the government. If you have any doubts while filling the PMAY-U Application Form, leave your questions/queries in the below comment section and we will give you a proper solution as soon as possible.

Pradhan Mantri Awas Yojana Online Form 2020 – How to Check PMAY Application Status Online?

Pradhan Mantri Awas Yojana (PMAY) Scheme

The Pradhan Mantri Awas Yojana Scheme was launched by Narendra Modi Ji, prime minister of India in 2015. This scheme is aimed to provide housing accessible to all urban and rural people of the society at affordable rates. PMAY-U & PMGAY Scheme split into the phases and executing across the country and likely the project will be finished by 2022, said by the Government of India.

Check the details of PMAY Scheme 2020 from this page and proceed with the process of Pradhan Mantri Awas Yojna 2020 Online Form to avail the homes & subsidy amount to build a house. The last date to avail the subsidy on Home Loan is 31st March 2022. But Last date for the MIG(I & II) category under PMAY-Credit Linked Subsidy Scheme was 31st March 2019. Also, rural people can refer to the complete details of Pradhan Mantri Gramin Awas Yojana from this page.

Pradhan Mantri Awas Yojana Online Form 2020

Beneficiaries can check How to Apply for PMAY Online & Offline from this section. Also, you will be instructed to follow the steps to submit Pradhan Mantri Awas Yojana Online Form 2020 without any mistakes. The deadline to submit PMAY Online Application form is mentioned here, please submit it before 31st March 2022 and avail subsidy on Home Loan. PMAY Apply Online Steps is given below along with the related images. Follow the step by step process of submitting Pradhan Mantri Awas Yojana Online Application Form 2020 below.

How to Apply & Submit PMAY Online Application Form?

  1. Log on to the PMAY website and register your details with Aadhaar number.
  2. On the home page, select the ‘Citizen Assessment’ option & tap on the applicable choice: “For Slum Dwellers” or “Benefits under other 3 components”.PMAY-citizen assessment
  3. Provide your Aadhaar Card details and find the application form for PMGAY Scheme.Enter Aadhar Number
  4. Fill the details correctly in the Pradhan Mantri Awas Yojana Gramin Online Application Form.
  5. The information to be entered comprises name, contact number, email, phone number, bank account details, income details, and others.Fill the PMAY Online Application Form
  6. Once you are done with filling details, enter the Captcha code which is located above the save button.Click on Save Button
  7. Check twice before submitting PMAY Online Form 2020 and press on the ‘Save’ button.
  8. If you don’t know How to Download Pradhan Mantri Awas Yojana Application Form.
  9. Then, follow the above steps and after saving your PMAY-U Application Form, click on the ‘Print’ option and complete your submission of PMAY-G Online Form 2020.

Check: What are the Documents Required to Apply for PMAY Scheme?

Steps to Apply Offline & Submit Pradhan Mantri Awas Yojana Application Form

Applicants can also apply for the PMAY 2020 Scheme Offline by following the below points.

  • To apply for Pradhan Mantri Awas Yojana offline, you have to visit a common service center (CSC) that is available by the state and union territory government.
  • After going to CSC, you should fill up and submit the PM Awas Yojana Application Form given by the officials after paying Rs. 25 along with GST.
  • It is required to be mentioned here that no private entity/persons have been approved by the Ministry of Housing and Urban Affairs (MOHUA) to collect this fee from any beneficiary under this PMAY-G Scheme.

Do you have any queries or clarifications about Offline Pradhan Mantri Awas Yojana Application Form? Then, you can call or write to:

Raj Kumar Gautam
Director (HFA – 5)
Ministry of Housing and Urban Affairs (MOHUA)
Room Number 118, G Wing
NBO Building
Nirman Bhawan
New Delhi – 110011
Tel: 011-23060484/ 011-23063285
E-mail: [email protected]/ [email protected]

How to Check PMAY Application Status Online?

Applied candidates can verify the PMAY-U Online Application Form Status and take a printout of the application. Let’s see how to do?

There are two ways to track the PMAY-U Application Status

  1. With Assessment ID
  2. With Name, Father’s Name & Mobile No

Steps to Check the PM Housing Scheme Urban Application Status with Assessment ID

  1. Click on the link given here and log on to the Pradhan Mantri Awas Yojana Official portal.
  2. Select the ‘Citizen Application’ option and then press on the ‘Check Status’ button.
  3. After hitting on the track button, you will be seen two options, i.e., ‘By Name, Father’s Name & Mobile No’ and ‘By Assessment ID’.
  4. Select the ‘By Assessment ID’ option.
  5. Fill the details like Assessment ID & Mobile number which was assigned when the application form was filled and submitted.
  6. Once you are done with fill in the details, tap on the option known as ‘Submit’.
  7. The applicant will soon know the stage at which his/her application is

    PMAY Application Status
                                                                               PMAY Application Status

Check the process of PMAY Online Application Status with Name, Father’s Name & Mobile No

  1. Visit the Official portal of PMAY and go to the ‘Citizen Application’ option and select the ‘Check Status’ button.
  2. Here, you will see two options to track the PMAY Online Application Status, click on ‘By Name, Father’s Name & Mobile No’ option.
  3. After that, enter your state, district, and city details.
  4. Now, fill the details like Name, Father’s Name, and Mobile Number and click on the ‘Submit’ button.
  5. Once you are done with filling the details, the status of your PM Awas Yojana Online Form can be viewed.
PMAY Status Check with Name
                                                                            PMAY Status Check with Name

Benefits of PMAY Online Application Form 2020

There are various advantages to applying for PMAY online. Below are the benefits:

  • The online application is easy to fill and it provides applicants a hassle-free user experience
  • Once the applicant has successfully applied, it can be easily tracked online. This will help the user track the status of the application

Guidelines On Filling Pradhan Mantri Awas Yojana 2020 Online Application Form

  • Firstly, candidates should check PMAY Scheme Eligibility Criteria and then fulfill the requirements to get eligible for the scheme.
  • Applicants who are having Aadhaar card can only eligible to fill the Pradhan Mantri Awas Yojna 2019 Online Form.
  • You have to be ready with your bank and income-related details before applying for this PMAY Scheme.

Also Check: Pradhan Mantri Awas Yojana 2020 List

Components of PMAY Home Loan Scheme 2019-20

There are four components in Pradhan Mantri Awas Yojana Loan Scheme 2020. They are:

In-situ Slum Rehabilitation (ISSR): Citizens who are living in slums fall under this component. Under this PMAY-ISSR component, people are allowed to avail Rs. 1 lakh per house by the Government of India.  The share of State and Urban Local Bodies (ULBs) will be at the discretion of the State at the time of the formulation of the project.

Affordable Housing in Partnership (AHP): The people who are not holding any land to construct a house or unable to afford a home loan come under this PM Awas Yojna – AHP component. Under this PMAY Affordable Housing in Partnership component, applicants will get Rs. 1.5 lakh per dwelling unit as central assistance.

Subsidy for Beneficiary-led Construction/Enhancement of an Individual House (BLC): People can avail of the PMAY scheme under this component for improvement of their current house only if the existing structure is pucca and the improvement is of minimum 9 sq. m and the maximum area should not be more than 30 sq m after enhancement. For this PMAY component, there will be central assistance of Rs. 1.5 lakh per dwelling unit.

Credit Linked Subsidy Scheme (CLSS): Residents who can afford to purchase land/home, construct a home or plan to alter their current property with the help of a home loan fall under this PMAY-CLSS Component. Under Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme, citizens will get an upfront interest subsidy of up to 6.50% p.a. on the home loan. To know more benefits and features of PMAY-CLSS, click on the below link.

Note: A State and Urban Local Bodies (ULBs) share will be considered by the State at the time of the formulation of the project.

FAQs on Pradhan Mantri Awas Yojana 2020 Online Form

Question 1.

How to Edit Your Details After Submitting PMAY Application Form?


Follow the below steps carefully and edit your PM Awas Yojna Online Application Form after submission also:

  • Go to the Pradhan Mantri Awas Yojana Official Website @
  • Give the details of your Aadhaar number and Application reference number in the fields.
  • Press on the ‘Edit’ button.
  • Now, you are permitted to edit your details entered in the PMAY-U Scheme Application Form.

Question 2.

Who are eligible for PMAY Affordable Housing Scheme?


  • Applicant must be Indian Citizen
  • The age of the applicant must be between 18 to 70 years.
  • He/she should not own a pucca house in any part of the country.
  • People who have already availed from this PMAY scheme are not eligible to apply again.

Question 3.

What is meant by Pradhan Mantri Awas Yojana Gramin Scheme?


Pradhan Mantri Awas Yojana Gramin (PMAY-G) formerly known as Indira Awas Yojana form March 2016. The objective is to provide affordable housing for all rural people in India except Delhi and Chandigarh. Beneficiaries who are living in plains can get up to Rs. 1.2 Lakh and those in North-Eastern, hilly areas, Integrated Action Plan (IAP), and difficult areas can receive up to Rs. 1.3 Lakh owing to this housing scheme.

Beneficiaries of this PMAY-G Scheme 2020 will be identified as per the information available from the Socio-Economic and Caste Census (SECC). Currently, 1,03,01,107 houses have been sanctioned in all states and UTs.

We at Version Weekly, develop every content with high quality and uniqueness. So, people can refer to this article to get the details of Pradhan Mantri Awas Yojana Online Form 2020. If you need any assistance to check the PMAY Application Status, shoot us with your comments in the below section and you will revert asap with an exact solution.

Pradhan Mantri Awas Yojana (PMAY) Scheme – Housing for all Urban People

Pradhan Mantri Awas Yojana (PMAY) Scheme

The scheme of Pradhan Mantri Awas Yojana – Housing for all urban people by 2022 was introduced by our Prime Minister, Sri Narendra Modi Ji on 1st June 2015. PMAY Scheme is an initiative granted by the government of India.

The main objective of the PM Housing Scheme 2019 is to provide affordable housing for all urban poor people & rural poor. This government mission is started to offer housing for all by the year 2022 because the Nation completes 75 years of its independence by that time.

Under this Prime Minister Awas Yojana Scheme 2019-20, inexpensive houses will be constructed in selected towns and cities with the help of eco-friendly construction approaches for the benefits of the urban poor people in India. However, beneficiaries under the PMAY Scheme List 2019 are eligible for interest subsidy in case they benefit a loan construct or purchase a house under Credit Linked Subsidy Scheme (CLSS).

Read More: How to Apply for PMAY Offline?

Pradhan Mantri Awas Yojana (PMAY) Scheme – Overview

Here is the smart way to reach every section of the article to get detailed information about the Pradhan Mantri Awas Yojana Scheme (PMAY) – housing for all by 2020. So, click on the below links and read every single detail of PMAY Scheme 2019-20.

Beneficiaries Under the Pradhan Mantri Awas Yojna 2019

  • A beneficiary family will include husband, wife, unmarried daughters or unmarried sons.
  • The beneficiary family shouldn’t have a pucca house in India either in her/his name or with the name of any member in their family.

Identification and Selection of Beneficiaries under PM Housing Scheme | PMAY (Urban)

  • The Pradhan Mantri Awas Yojna (Urban) Scheme 2019 offers especially to the housing requirements of the urban poor families in Indian society.
  • PMAY (U) scheme 2019 also serves to the slum dwellers living in confined areas of slums with insufficient infrastructure, drinking facilities, and poor sanitation.
  • PMAY(U) 2019 beneficiaries mainly involve Middle Income Groups (MIGs), Low-income Groups (LIGs) and Economically Weaker Sections (EWS).
  • The Annual income for MIG and LIG beneficiaries can range from Rs.3-6 lakh to Rs.6-18 lakh respectively whereas the annual income for EWS beneficiaries is covered at Rs. 3 lakh.
  • EWS category beneficiaries are eligible for complete assistance under PMAY 2019 scheme. While the beneficiaries of MIG and LIG categories are eligible for the Credit Linked Subsidy Scheme (CLSS) under Prime Minister Awas Yojana Scheme (PMAY).
  • The applicant should submit an affidavit as income proof to the authority to recognize as a LIG and MIG beneficiary under PMAY(U) scheme.

Main Objective of PM Awas Yojna Scheme 2019

  • The main goal of the PM Awas Yojna Scheme is to construct affordable housing for all urban and rural people by the year 2022.
  • It also aims to make it available to demographics that are unique like economically challenged groups, women along with people referring to minorities like Scheduled Tribes and Scheduled Castes.
  • The Government’s other important objective is directly associating with the most ignored people which involves LIG members, Widows, transgender and from now onwards provide them affordable & suitable PM housing scheme 2020.
  • If required, the government is aiming to provide special preferences to differently-abled and senior citizens of ground floor properties.
  • It is mandatory to register for beneficiary names like mother or wives to avail PM Awas Yojana – housing for all by 2020 scheme benefits.

Also Refer: Pradhan Mantri Awas Yojana List 2020

Pradhan Mantri Awas Yojana Subsidy Offers and Benefits

Particulars EWS LIG MIG-1 MIG-2
Annual Household income Up to 3 lakh 3 to 6 lakh 6 to 12 lakh 12 to 18 lakh
Subsidy Rate of Interest 6.50% p.a. 6.50% p.a. 4.00% p.a. 3.00% p.a.
Maximum Tenure of Home Loan 20 years 20 years 20 years 20 years
Maximum Eligible Home Loan Amount to Qualify for Subsidy Rs.6 lakh Rs.6 lakh Rs.9 lakh Rs.12 lakh
Maximum Dwelling Unit Carpet Area 30 sq. m 60 sq. m 160 sq. m 200 sq. m
Maximum Interest Subsidy Amount Rs.2.67 lakh Rs.2.67 lakh Rs.2.35 lakh Rs.2.30 lakh
Discount Rate for NPV Calculation of Interest Subsidy 9.00% 9.00% 9.00% 9.00%

Eligibility Criteria of Prime Minister Housing Scheme (PMAY-U)

Beneficiaries can avail of this PMAY scheme 2019-20 benefits by satisfying the following few eligibility criteria.

  • He/she who already own a house are not eligible to apply for PMAY-CLSS.
  • Also, No pucca house must be owned by the beneficiary or their family member in India.
  • Scheduled Castes and Tribes are also eligible to avail the PM Awas Yojana 2019 scheme advantages.
  • Differently abled and Senior Citizens are allowed for ground floor housing along with special priorities.

Find More: Pradhan Mantri Awas Yojna(PMAY) Eligibility 

How to Apply for the Pradhan Mantri Awas Yojana Online?

Beneficiaries are advised to check the PMAY Scheme Eligibility Criteria before following the below steps on how to apply for PM Awas Yojana 2019-20.

  1. Go to the PM Awas Yojana official website @
  2. On the home page, click on the “Citizen Assessment” option under the Menu section.
  3. Give your 12-digit Aadhaar card number.
  4. After entering your Aadhaar number, you will be redirected to the PMAY Online Application page.
  5. Fill your details in the application form like personal, income, current residential address, and bank account.
  6. Check all the entered information carefully before going to the next steps.
  7. Tap on “I am aware of” option at the end of the page and press the Save button.
  8. After clicking the save option, you will observe a system generated application number, save it for future reference.
  9. Download and print the duly filled online application form of PM Housing Scheme 2019.
  10. Submit the PMAY scheme application online/offline along with the necessary documents.

Also Check: What are the Documents Required to Apply for PMAY Scheme

PMAY Scheme 2019 Phases

The scheme of Pradhan Mantri Awas Yojana 2019-20 will be accomplished in three phases. Look at the below table for more details:

Stage Phase 1 Phase 2 Phase 3
Start date 04/01/15 04/01/17 04/01/19
End date 03/01/17 03/01/19 03/01/22
Cities covered 100 200 Remaining cities

EMI Calculator of Pradhan Mantri Awas Yojana – Housing for All by 2020

The aim of the Pradhan Mantri Awas Yojan (PMAY) 2019-20 Scheme is simply affording a process of the house for all urban poor and weaker sections of society via EMIs at reasonable interest rates. The rate of interest for PMAY Scheme 2019 is somewhat lesser than commercial rates, consequently providing subsidized loans for people.

Steps to Calculate EMI of PMAY HFA(U) Scheme

Follow the below-given steps carefully and calculate the EMI of Pradhan Mantri Awas Yojana 2019 – Housing for all (Urban) Scheme.

  • Firstly, log on to the Pradhan Mantri Awas Yojana (PMAY) website i.e., and fill in the following details:
    • The total loan amount (in Rs)
    • The rate of interest
    • The total loan period (in Months)
  • After fill in the above-mentioned details, tap on the ‘Calculate’ option. This provides you the monthly installment or EMI payable in Rupees.

Customer Care Helpline Numbers of PMAY Scheme 2019-20

If you have any doubts regarding PMAY Online Application process, rate of interest for Credit Linked Subsidy Scheme and other Pradhan Mantri Awas Yojana Scheme 2019-20 information, applicants can directly contact to the toll-free helpline numbers:

  • 1800-11-6446 (Gramin)
  • 1800-11-3388 (Urban, NHB)
  • 1800-11-6163 (Urban, HUDCO)
  • 1800-11-3377 (Urban, NHB)

Customers who are facing issues related to the application process can get in touch with the above-provided toll-free numbers as per the locations.

FAQs on Pradhan Mantri Awas Yojana (PMAY)

Question 1.

How Does PM Awas Yojana Scheme Work via Borrower’s Bank?


The bank from where the people took the loan will claim the subsidy benefit for the eligible applicants from the National Housing Bank (NHB). After that, NHB will check to investigate whether anyone is processing multiple applications under the PMAY scheme. Once it has confirmed, the subsidy amount or CLSS will be provided by the borrower’s bank. After you receive the amount, the money would be credited straight to the loan account.

Question 2.

How to Get Interest Rate Subsidy Under PMAY – Housing for all by 2022?


Refer to the below steps and get an interest rate subsidy under Pradhan Mantri Housing Scheme 2019.

  • First of all, apply for the home loan from any best lending institutions requesting subsidy.
  • The lending institution will verify your application and if you are eligible, then your application form will be sent to the Central Nodal Agency.
  • Under verification, if your application gets approved with no discrepancies, the Central Nodal Agency will distribute the subsidy amount to the lending institution.
  • After that, the lending institution will credit the subsidy amount to your account which will reduce your total loan amount.
  • You can proceed to pay the EMIs over the balance loan amount.

Question 3.

Can a Woman apply for this PMAY 2019 Scheme?


Yes, the Pradhan Mantri Awas Yojana Scheme mainly prioritizes the women who are running a family within the LIGs. However, if your husband, father or any other member of the family that you reside has applied, then your application will get rejected.

Question 4.

What do you mean by Pradhan Mantri Awas Yojana (PMAY) – Credit Linked Subsidy Scheme (CLSS)?


Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme (PMAY-CLSS) is a scheme commenced by our Honourable Prime Minister Shri Narendra Modi for people belonging to Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group (MIG-I & MIG-II).

The urban & rural beneficiary customers would be eligible for interest subsidy on construction or extension or improvement or purchase of a house.

Question 5.

What is meant by Central Nodal Agency under PMAY(U) Scheme?


Basically, these are nodal agencies that are identified as bodies by government or ministry to implement Credit Linked Subsidy.