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Central Government Continue To Spend 10,000 crore Per Year On Pradhan Mantri Aawas Scheme: Finance Minister Nirmala Sitharaman

Union Budget 2023: The central government will spend Rs 10,000 crore per year on the Urban Infrastructure Development Fund.

Pradhan Mantri Awas Yojana (PMAY) is a government initiative Launched in 2015 to provide affordable housing to low and middle income individuals and families in India. The scheme has two components: PMAY-Gramin (for rural areas) and PMAY-Urban (for urban areas). In this article we will focus on PMAY-Gramin and Urban online registration process, benefits, eligibility criteria and documents required.

Prime Minister Narendra Modi to provide affordable housing to all sections of the society. Under PMAY, the UP government aims to construct 2 lakh houses across the state by 2023. It aims to ensure that everyone has access to basic amenities like water supply, sanitation facilities, etc. along with adequate living space at an affordable cost.

Pradhan Mantri Awas Yojana Online Registration Process

The PM Awas Yojana online registration 2023 process is quite simple and can be completed in a few easy steps.

To apply for Pradhan Mantri Awas Yojana (PMAY) Rural Scheme, you have to apply by visiting the official website

Once on the website, you need to click on the link “Apply Online”, which will take you to the registration page.

Here, you will need to provide your personal and contact information, such as your name, address, phone number, and email.

You will need to provide information about your household, including the number of members, their age and relationship to you, as well as your current residential status.

Apart from the above information, you need to upload the scanned copy of some documents like your Aadhaar Card, PAN Card and Income Proof.

Before submitting the application it is important to ensure that all the documents are clear, legible and all the information given in the application form is correct.

Once your application is submitted, you will receive an application number which can be used to track the status of your application.

Pradhan Mantri Yojana Objectives

PM Awas Yojana provides financial assistance for construction or enhancement of house to eligible beneficiaries, and also includes components for development of infrastructure and basic amenities in the surrounding areas. The scheme aims to achieve the objective of “Housing for All” by the year 2025.

Its Pradhan Mantri Awas Yojana provides financial assistance to eligible slum dwellers to upgrade their existing houses or construct new ones. The scheme also includes a credit-linked subsidy component, under which eligible beneficiaries can avail subsidy on their home loan interest rates.

  It aims to make home loans more affordable for economically weaker sections and low-income groups. The PMAY also includes a component for development of basic amenities such as water supply, sanitation and electricity in areas around newly constructed or upgraded houses.

PMAY Benefits:

The main advantage of the PMAY-Gramin scheme is that it provides financial assistance to eligible individuals and families for the construction or upgradation of their houses.

The government provides a grant of 1.20 lakh to the eligible beneficiaries for the construction of a new house.

The scheme also provides subsidy on home loan interest rates for those who want to avail it.

eligibility criteria:

PMAY-Gramin scheme is open to individuals and families who belong to the lower and middle classes

Income group and do not have a pucca house in their name.

The annual income of the family should be less than 3 lakhs.

Documents required:- Aadhaar card of the beneficiary and all the adult members of the beneficiary’s family

Passport size photographs of the beneficiary and all adult members of the beneficiary’s family

Proof of ownership of the land on which the house is to be constructed (if applicable)

Calculate Subsidy

The subsidy for Pradhan Mantri Awas Yojana (PMAY) is calculated on the basis of the annual income and loan amount of the beneficiary. The subsidy amount is calculated as a percentage of the interest on the home loan and is directly credited to the loan account of the beneficiary. The subsidy percentage and income limit for eligibility varies depending on the category of the beneficiary.

To calculate the subsidy amount, you can use the PMAY subsidy calculator available on the official website of the Ministry of Housing and Urban Affairs (MoHUA) or consult the bank or housing finance company where you have taken the loan. They will have the formula and data to calculate the subsidy. Therefore, please verify the latest details with the relevant authorities or consult a financial advisor before applying for the loan.


PMAY-Gramin scheme provides a huge opportunity to low and middle income individuals and families to construct or upgrade their houses in rural areas. The online registration process is simple, and the scheme provides a grant of 2.67 lakh for construction of a new house and subsidy on home loan interest rates.

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