How to apply for PMAY housing scheme?

How to apply for PMAY housing scheme?

Are you looking to buy a home under PMAY but have a partial understanding of the scheme and the eligibility criteria? Here’s a lowdown on what this scheme is about and how you can apply for a home loan under this scheme.

After the announcement of the Union Budget 2019, the affordable housing is set to get a major boost with the deduction of up to Rs 1.5 lakh on the interest paid on home loans sanctioned till the 31st of March 2020. To achieve the target of ‘’Housing For All’; the affordable housing scheme which was launched by Prime Minister Narendra Modi, the government has planned to give more preference to affordable housing segment and infrastructure in the new budget.


PMAY stands for Pradhan Mantri Awas Yojana also known as ‘’Housing For All’ that aims to offer affordable homes to the weaker sections of the society at an affordable price. The scheme envisions to construct 20 million homes by March 31st, 2020. This scheme is segregated into two components Pradhan Mantri Awas Yojana Urban and Pradhan Mantri Awas Yojana Rural.


As per the PMAY scheme the family who already owns a pucca house or have previously availed any central assistance under any housing scheme from the government will not be regarded as a beneficiary under the scheme. The beneficiaries under PMAY scheme include:

1)Economically Weaker Section- The individual or the loan applicant should have an annual income up to Rs 3 lakh.   

2)Low Income Group – The individual or the loan applicant should have an annual income between 3-6 lakh.    

3)Middle Income Group – The individual or the loan applicant should have an annual income between 6-18 lakh.


Under the PMAY scheme, there are a plethora of residential options by prominent builders, Migsun is one such promising builder which is offering projects under the PMAY scheme. The projects by this builder under the scheme include Migsun Roof, Migsun Wynn and Migusn Vilaasa that are offering affordable homes starting from Rs 14 lakhs onwards. To know the complete project details and project insights visit this link:

Buying a home is a once in a lifetime decision and it is, in fact, a daunting task. To find the perfect property match it is imperative to find a reliable property advisor who can help you in searching the right property that matches your requirements. If you are looking for a reliable property advisor in Noida, Wealth Clinic is the perfect choice for you who have a thorough knowledge of the market and can offer you solutions to your real estate queries. 


To avail PMAY benefits you can apply online by following these easy steps:

1)Log on to Pradhan Mantri Awas Yojana Scheme by clicking on this link

2)Once you are logged in select the relevant category you belong to under the citizen assessment drop down menu 

3)Enter the Aadhaar details to proceed with the form 

4)Once you have entered the Aadhaar details you will be redirected to the main form page where you have to fill in the details.

5) Once you have entered the details click on the save button to complete your form.


For those who wish to apply offline for this scheme, you need to fill up a form by visiting the Common Service Centre operated by the state governments. These forms will cost you Rs 25 including the GST that can be availed through any CSC center in your state.

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