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PMAY Eligibility & Documentation

Eligibility for PMAY

To avail the Pradhan Mantri Awas Yojana, one must meet the following eligibility criteria –

  • Income  

The annual household income of the beneficiary must meet the criteria defined for the various categories as mentioned in the table below. One is eligible to avail the PMAY subsidy scheme provided they fall under any one of the four categories – Economically Weaker Section or EWS, Lower Income Group or LIG, Middle Income Group or MIG I, and Middle Income Group II or MIG II.

  • No Prior Ownership 

The beneficiary or any other member of the beneficiary family must not own any pucca house in any part of the country.

 

  • No Central Assistance

The beneficiary or any other member from the beneficiary’s family must not have availed subsidy under the CLSS scheme.

 

  • Mandatory Female Ownership or Co-Ownership

The borrower’s family must have at least one female member appointed as the owner or co-owner of the property (applicable only for the EWS and LIG categories

  • Carpet Area

The carpet area of the property must be within the limits specified for the various categories, as mentioned in the table below.

 

Pradhan Mantri Awas Yojana eligibility will differ based on the category, explained as follows –

 

Category; Annual Household Income (in Rs.) Carpet Area (in square metres) Female Ownership or Co-Ownership
EWS Upto 3 lakhs  Must not exceed 30 sq. mts. Mandatory
LIG 3 lakhs – 6 lakhs  Must not exceed 60 sq. mts. Mandatory
MIG I 6 lakhs – 12 lakhs  Must not exceed 160 sq. mts. Optional
MIG II 12 lakhs – 18 lakhs  Must not exceed 200 sq. mts. Optional

Documentation Requirements for PMAY

To avail the Pradhan Mantri Awas Yojana, the following documents are required –

  • Age Proof documents – copy of your Passport/Driving License/Life Insurance Policy/Birth Certificate/PAN Card/School Leaving Certificate
  • Affidavit cum Declaration that proves that the beneficiary family does not own any pucca house
  • Declaration for property under construction, if applicable – Construction Agreement with the developer or builder, Valuation Certificate for the property you intend to buy, Receipt of advance payment for the property you intend to purchase
  • Identity Proof documents – Aadhar Card/PAN Card/Driving License/Voters’ ID
  • Copy of Address Proof  - Bank Statements/Property Registration documents/Property Tax Receipt/Voter ID
  • Salary Proof documents (for each earning member of the household) - Copy of Salary slips for the last three months/Appointment Letter/Yearly Increment Letter/Certified true copy of Form 16
  • Income Proof documents  – copy of your Salary account bank statements for the last six months
  • Existing loan details – to be provided through bank statements
  • Processing Fee Cheque – To be issued from the salary account for salaried customers or the business account for self-employed customers
  • NOC from a Competent Authority or any Housing Society