Pradhan Mantri Awas Yojana 2026: State Wise Application Form & New List Download: Pradhan Mantri Awas Yojana was launched by the Prime Minister of our country to provide own house to every citizen of the country. This scheme is operated in rural & Urban areas. Through this scheme, financial assistance is provided by the government for the construction of houses in rural areas.
Pradhan Mantri Awas Yojana (PMAY) is a flagship housing initiative by the Government of India aimed at providing “Housing for All” in both urban and rural areas. As of 2025, the scheme has transitioned into its next phase, PMAY 2.0.
PMAY Pradhan Mantri Awas Yojana State Wise Application Form 2026
Benefits Of PMAY Pradhan Mantri Awas Yojana 2026
Significant Financial Subsidies
- Interest Subsidy (CLSS): Under PMAY-U 2.0, eligible beneficiaries of EWS, LIG, and MIG categories can receive an interest subsidy of up to ₹1.80 lakh on home loans.
- Direct Principal Reduction: The subsidy is credited directly to the loan account, reducing the outstanding principal and subsequently lowering monthly EMIs.
- Rural Assistance (PMAY-G): Beneficiaries in rural areas receive direct financial assistance of ₹1.20 lakh (plain areas) to ₹1.30 lakh (hilly/difficult areas) for house construction.
- Tax Benefits: Borrowers can claim additional tax exemptions of up to ₹2 lakh on payable interest and ₹1.5 lakh on principal repayment under the Income Tax Act.
- Social Empowerment & Inclusion:
- Women’s Empowerment: The scheme mandates that the house must be registered in the name of the female head of the family or jointly with the male head, promoting gender equality in property ownership.
- Priority for Vulnerable Groups: Preference is given to widows, single mothers, senior citizens, transgender individuals, and SC/ST/OBC families.
- Inclusive Design: Differently-abled and senior citizens are given priority for ground-floor allotments to ensure accessibility.
- Enhanced Living Standards
- Pucca House with Basic Amenities: Houses are equipped with essential civic services, including water supply, sanitation/toilets, and electricity.
- Convergence with Other Schemes: PMAY integrates with other government programs:
- Swachh Bharat Mission: Provides ₹12,000 for toilet construction.
- Saubhagya Yojana: Ensures free electricity connections.
- Ujjwala Yojana: Provides free LPG gas connections.
- Affordable Rental Housing (ARH): For urban migrants, students, and workers who cannot afford to buy, the scheme offers safe and low-cost rental options using vacant government-funded houses. Sustainable and Modern Construction
- Eco-Friendly Homes: The scheme encourages the use of sustainable, disaster-resilient, and innovative construction technologies.
- Quality Standards: Beneficiary-led construction (BLC) ensures houses meet specified carpet area standards (e.g., up to 45 sqm for EWS families).
State Wise Application Form & Full Guidelines Application Process
Income Eligibility Slabs for PMAY-U 2.0
| Category | Annual Household Income |
| Economically Weaker Section (EWS) | Up to ₹3 Lakh |
| Low Income Group (LIG) | ₹3 Lakh – ₹6 Lakh |
| Middle Income Group (MIG) | ₹6 Lakh – ₹9 Lakh |