Pradhan Mantri Awas Yojana (PMAY) 2019 Scheme, Application Form, Procedure - Go Sarkari

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Monday, 3 December 2018

Pradhan Mantri Awas Yojana (PMAY) 2019 Scheme, Application Form, Procedure

Pradhan Mantri Awas Yojana (PMAY)

On 1 June 2015 the Prime Minister, Narendra Modi has announced the Pradhan
Mantri Awas Yojana (PMAY) scheme. The main of this scheme is to provide affordable housing to the urban poor. Earlier, only poor class can avail the benefit of this scheme but now the urban poor and middle class has also been brought under the scheme by increasing the amount of loan. Earlier the loan amount was up to Rs 3 to 6 lakh, which now has been increased to 18 lakh rupees. This scheme is divided into three parts.

Phase - 1
This phase began in April 2015, in which our government had the goal of building a house in more than 100 cities. This phase has been completed in March 2017.

Phase - 2
The second phase is in progress in which our government has almost decided to complete the plan for more than 200 cities. This phase will be completed by March 2019.

Phase – 3
After the second phase, the third phase will begin that is in April 2019 and will continue till March 2022.

Those who want to apply for the Pradhan Mantri Awas Yojana (PMAY) Scheme can check their eligibility norms of the scheme. Eligible individuals can apply for the scheme by filling a submitting the application form in a prescribed format. The procedure of the application has been well provided below. So you are suggested to go through this page of and gather all the important details of PMAY 2019.

Pradhan Mantri Awas Yojana scheme Short Details:
Organization Name
Government Of India
Page Type
Pradhan Mantri Awas Yojana Scheme
Applying Mode

Beneficiaries under PMAY Scheme 2019:
  • Women
  • Economically weaker section of the society
  • Scheduled Tribe
  • Medium income group 1
  • Low income group population
  • Scheduled Caste
  • Medium income group 2

Eligibility Criteria for PMAY Scheme:
  • Individuals having the income between Rs.6 lakh to Rs18 lakh are eligible to apply for PMAY Scheme 2019. If individuals want then they can add the income of his/her spouse while applying for this scheme.
  • Indian women are also eligible to apply for said scheme. It must be noted that if husband, father or any other member of women had already applied then she is not eligible to apply.
  • The beneficiaries under PMAY Scheme have to buy a new house only. Individuals are not eligible to avail benefits to construct built house.
  • Individuals belong to low income group scheduled tribes and castes will also be eligible.
  • Senior citizens and Individuals with any kind of disability will be given special priorities for ground floor housing.

Procedure to apply for How to Apply for the PM Awas Yojana:
  • Open the official website that is
  • Now take your cursor towards “Menu” section and hit on “Citizen Assessment” option.
  • Thereafter you are required to enter your 12-digit Aadhaar card number.
  • After that, you will be redirected to another page, where you have to enter all the asked information like personal details, address, income details, your bank account details etc.
  • Now hot on the “I am aware of” option visible at the beneath section of the page
  • Press the “Save” button.
  • Your application number will appear in front of you kindly save it for future reference.
  • Finally, take print out of submitted application form.
  • At last, submitted the form at your nearest CSC office centers and financial institution/banks along with the required documents.

Pradhan Mantri Awas Yojana Loan Amount Doubled-
On 2nd October 2017, government has doubled the loan amount under Pradhan Mantri Awas Yojana for interest subsidy for urban areas.

PMAY Scheme offers in a Nutshell:
Annual income (Household Income)
Between Rs.6 lakh to Rs.12 lakh
Between Rs.12 lakh to Rs.18 lakh
Subsidy on interest
Tenure of the loan to qualify for the subsidy
20 years
20 years
Loan amount to qualify for the subsidy
Rs.9 lakh
Rs.12 lakh
Minimum carpet area(Square metres)
90 square metres
110 square metres
Maximum carpet area(Square feet)
968.5 square feet
1,184 square feet
Discount rate for NPV

What are the Interest Rates for Home Loan under Pradhan Mantri Awas Yojana (PMAY) 2019:
Income Range
Carpet Area
Rate of Interest
Economically weaker sections
Max of Rs.6 lakh
30 sqm
Lower Income groups
Max of Rs.6 lakh
60 sqm
Middle Income Group 1
Less than Rs.12 lakh
110 sqm
Middle Income Group 2
Between Rs.12 lakh and Rs.18 lakh

Toll Free Helpline Number for PMAY Scheme:
1800-11-6163 (Urban, HUDCO)
1800-11-3388 (Urban,NHB)
1800-11-3377 (Urban,NHB)
1800-11-6446 (Gramin)

List of Banks Pradhan Mantri Awas Yojana (PMAY) 2019:
Public Sector Banks
Private Sector Banks
Regional Rural Banks
Co-operative Banks
Vijaya Bank
South Indian Bank Ltd.
Ellaquai Dehati bank
Janta Sahakari Bank Ltd
Central Bank of India
Nainital Bank Ltd.
Purvanchal Bank
The Punjab State Cooperative Bank Ltd.
State Bank of Patiala
Lakshmi Vilas Bank
Vanachal Gramin Bank
Uttarakhand State Cooperative Bank Ltd.
United Bank of India
J & K Bank
Uttarbanag Kshetriya Gramin Bank
Shree Panchganag Nagari Sahakari Bank Ltd.
UCO Bank
Dhanlaxmi Bank Ltd
Telangana Grameena Bank
Kerala State Co-Operative Bank Ltd.
Syndicate Bank
City Union Bank
Satlij Gramin Bank
Karad Urban Co-operative Bank Ltd.
State Bank of Travancore
Yes Bank
Sarva UP Gramin Bank
Meghalaya Co-Operative Apex Bank Ltd
State Bank of Mysore
The Federal Bank Ltd.
Rajasthan Marudhara Gramin Bank
Sangli Urban Co-Operative Bank Ltd.
State Bank of Hyderabad
Karur Vysya Bank Ltd.
Meghalaya Rural Bank
The Surat People’s Cooperative Bank Ltd.
State Bank of Bikaner & Jaipur
Karnataka Bank Ltd.
Jharkhand Gramin Bank
The Goa State Co-Operative Bank Ltd.
Punjab National Bank
ICICI bank Ltd.
J& K Grameen Bank
Sikkim State Co-Operative Bank Ltd.
Punjab & Sind Bank
DCB Bank Ltd.
Bihar Gramin Bank
Shikshak Sahakari Bank Ltd.
Indian Bank
Axis bank Ltd.
Baroda Rajasthan Kshetriya Gramin Bank
Sardar Bhiladwala Pardi People’s Co-Operative Bank Ltd.
Dena Bank
Catholic Syrian Bank
Bangiya Gramin Vikas Bank
Odisha State Cooperative Bank
Corporation Bank
Tamilnad mercantile Bank Ltd
Chaitanya Godavari Grameena Bank
Nutan Nagarik Sahakari Bank Ltd.
Canara Bank
Central Godavari Grameena Bank
Mizoram Cooperative Apex Bank Ltd.
Bhartiya Mahila Bank Ltd.
Sarva Haryana Gramin Bank
Mehsana Urban Co-Operative Bank Ltd.
Bank of Maharashtra
Kaveri Grameena Bank
Mahanagar Co-Operative Bank Ltd.
Bank of India
Dena Gujarat Gramin Bank
Kalupur Commercial Co-operative Bank Ltd.
Bank of Baroda
Baroda Gujrat Gramin bank
Jharkhand State Co-Operative Bank Ltd.
Andhra Bank
Assam Gramin Bank
J&K State Cooperative Bank
Allahabad Bank
Arunachal Pradesh Rural Bank
Cosmos Co-operative Urban Bank Ltd.
Oriental bank of Commerce
Andhra Pradesh Grameena Vikas Bank
Cosmos Co-operative Urban Bank Ltd.
Indian Overseas Bank
Allahabad UP Gramin Bank
Chhattisgarh Rajya Sahakari Bank Maryadit
Punjab GRamin Bank
Bihar State Co-operative Bank Ltd.
Baroda Uttar Pradesh Gramin Bank
Jalgaon Janata Sahakari Bank Ltd.
Gramin Bank of Aryavart
Sarvodaya Commercial Co- operative Bank
Prathama Bank
Citizen Credit Co-op Bank Limited
Uttar Bihar Gramin Bank
The Nawangar Co-operative Bank Ltd.
Pandyan Grama Bank
The Greater Bombay Co- operative Bank Ltd.
Kashi Gomti Samyut Bank
The Bharat Co-operative Bank (Mumbai) Ltd.
Odisha Gramiya Bank
The West Bengal State Co- operative Bank Ltd.
Madhyanchal Gramin Bank
The Kalyan Janata Sahakari Bank Ltd.
Tripura Gramin Bank
The Gujarat State Co-operative Bank Ltd
Chhattisgarh Rajya Gramin Bank
The Ahmedabad Mercantile Co- operative Bank Ltd.
Utal Grameen Bank
Shri Mahila Sewa Sahakari Bank Ltd.
Saurashtra Gramin Bank
Rajkot Nagarik Sahakari Bank Limited
Pragathi Krishna Gramin Bank
Punjab & Maharashtra Co- operative Bank Ltd
Narmada Jhabua Gramin
Prime Co-operative Bank Ltd.
Nagaland Rural Bank
Bombay Mercantile Co-operative Bank
Mizoram Rural Bank
Manipur Rural Bank
Maharashtra Gramin Bank
Madhya Bihar Gramin Bank
Langpi Dehangi Rural Bank
Kerala Gramin Bank
Karnataka Vikas Grameena Bank

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

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

Three Phases of Pradhan Mantri Awas Yojana:
Phase 1
Phase 2
Phase 3
Start date
End date
Cities covered

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