Pradhan Mantri Awas Yojana (PMAY) 2024-25 – Full Information

Pradhan Mantri Awas Yojana (PMAY) 2024-25: Ghar Ho Toh Aisa

Abhi Apply Karein!

Bhumika: Apna Sapno Ka Ghar Banayein!

Agar aap sapno ka ghar dekhte hain lekin paise ki kami ne roka hai, toh PMAY (Pradhan Mantri Awas Yojana) aapke liye "Asli Azaadi" la sakta hai! Sarkar ₹2.67 lakh tak subsidy de rahi hai. Chalo poori scheme ko ghar baithke samjhte hain!

PMAY 2024-25 – Sampoorna Guide
Scheme ka Naam	Pradhan Mantri Awas Yojana (PMAY)
Department	Ministry of Housing and Urban Affairs (PMAY-U) & Ministry of Rural Development (PMAY-G)
Shuru Kab Hua	25 June 2015
Latest Update	PMAY-U 2.0 launched September 2024; PMAY-G extended till 2028
Official Website	PMAY-U: pmaymis.gov.in PMAY-G: pmayg.nic.in
Helpline	PMAY-U: 1800-11-6163 PMAY-G: 1800-11-6446 Email: pmay-helpline@gov.in
Scheme ka Uddeshya: 2025 tak har garib ko pakka ghar dena (urban aur rural areas mein). Economically Weaker Sections (EWS), Low Income Group (LIG), aur Middle Income Group (MIG) ke liye affordable housing aur financial assistance provide karna.
Scheme ki Visheshtayein: Interest Subsidy (PMAY-U): 6.5% (EWS/LIG), 4% (MIG-I), 3% (MIG-II) on home loans. Direct Financial Assistance (PMAY-G): ₹1.20 lakh (plains) / ₹1.30 lakh (hilly/NE states). Extra Benefits: ₹12,000 for toilet, ₹30,000 for eco-friendly houses, ₹50,000 for timely completion. Priority: Women, SC/ST, OBC, EWS, Divyang, BPL families. Coverage: Urban (4,300+ cities/towns) aur Rural (pan-India).
Scheme ke Labh: Interest Subsidy: Up to ₹2.67 lakh on home loans (PMAY-U). Direct Cash: ₹1.20-1.30 lakh for house construction (PMAY-G). Women Empowerment: Property ownership in female or joint names. Basic Amenities: Toilet, electricity, water, LPG connection included. Eco-Friendly: Sustainable construction technologies promoted.
Patrata Maapdand: Common: Indian citizen, no pucca house in family’s name. Income Limits (2024): EWS: Up to ₹3 lakh/year LIG: ₹3-6 lakh/year MIG-I: ₹6-12 lakh/year MIG-II: ₹12-18 lakh/year PMAY-U: Property in municipal area, kachcha house eligible. PMAY-G: Name in SECC-2011 BPL list, Aadhaar-linked bank account. Warning: 220 sq.ft se bada ghar ya income limit cross hone par application cancel!
Zaroori Dastavej: Aadhaar Card (family members ka bhi) Income Certificate (Tehsildar se) Ration Card (BPL dikhane ke liye) Property Papers (Registry/Lease deed) Bank Passbook (IFSC code clear dikhe) Caste Certificate (SC/ST/OBC ke liye) Recent Photo + Active Mobile No. Pro Tip: PMAY ke naam se alag bank account kholo! CSC center wale free mein help karenge.
Kaise Apply Karein: PMAY-U (Urban): Visit pmaymis.gov.in. Click on “Citizen Assessment”. Choose category (EWS/LIG/MIG). Verify with Aadhaar. Fill form: Property address, loan details, bank info. Upload documents (PDF/JPEG). Submit karne ke baad Application ID note karein. PMAY-G (Gramin): Visit pmayg.nic.in. Click “Apply Online”. Search name in SECC-2011 data. Agar naam hai toh form auto-bharega. Bank details daal ke submit karein. Offline Option: CSC center pe jaayein! Woh aapka form FREE mein bharenge. Charges: ZERO
Subsidy Vivran: Scenario 1 (PMAY-U): Detail Amount Loan Amount ₹6 lakh Interest Rate 8.7% Subsidy 6.5% (EWS) Asli EMI ₹4,860/month After Subsidy ₹3,260/month Salana Bachat ₹19,200 Scenario 2 (PMAY-G): Detail Amount Total Assistance ₹1.20 lakh 1st Installment ₹40,000 (Foundation) 2nd Installment ₹50,000 (Roof) 3rd Installment ₹30,000 (Completion)
Important Dates 2024-25: PMAY-U Last Date: 31 December 2024 (tentative) PMAY-G Deadline: Open till target completion Subsidy Credit Time: 3-6 months post-approval Alert: WhatsApp forwards par bharosa mat karo! Official website pe check karo.
Galtiyan Jo Nahi Karni: Wrong Category: EWS ko MIG mein apply karna = rejection! Property Size: Urban mein 30 sq.mt (EWS) se zyada nahi. Document Mismatch: Aadhaar aur property papers mein naam different. Multiple Applications: Ek se zyada form = permanent ban! Fraud Warning: Extra charge mangne wale se police complaint karo!
Aksar Puche Jane Wale Sawal: Q1. Kya existing loan par subsidy mil sakta hai? Haan! Agar loan 17 March 2022 se pehle liya hai toh CLSS claim kar sakte hain. Q2. Agar ghar ka construction shuru ho chuka hai? PMAY-G mein eligible, PMAY-U mein nahi. Q3. Kya plot khareedne ke liye subsidy milti hai? Nahi! Sirf ghar banane ke liye financial help. Q4. Application ka status kaise check karein? Track Here
Safalta ki Kahaniyan: “Sunita (SC, UP) ne PMAY-G se ₹1.20 lakh liye. 2-room pakka ghar bana liya! Ab uske bachhe barish mein nahi bheegte.” “Rajesh (Mumbai) ka EMI ₹12,000 tha. PMAY-U subsidy ke baad ab ₹8,900 deta hai. Monthly ₹3,100 ki bachat!”
Helpdesk and Contact Details: Agar form bharte waqt koi problem ho toh: Recruitment Queries PMAY-U Helpline: 1800-11-6163 PMAY-G Helpline: 1800-11-6446 Email: pmay-helpline@gov.in Office Address Address: Ministry of Housing and Urban Affairs, Nirman Bhawan, New Delhi-110011 Website: pmaymis.gov.in
Disclaimer: Yeh jankari official notifications aur pmaymis.gov.in/pmayg.nic.in se li gayi hai. Kisi bhi changes ya updates ke liye official websites regular check karein. Scheme bilkul free hai, koi “extra charge” mangta hai toh usse bachkar rahein.
Aakhri Tip: “Ghar adhura mat chhodo! CSC center pe jaayein, woh free mein help karenge. Sarkar aapka ghar banana chahti hai... bas thoda effort dalna hai!”
Author Info Publish Date: 17 June 2025 Last Updated: 17 June 2025 By: SarkariResults99 – Ek platform jo aapko sarkari yojanaon ki latest jankari deta hai