Pradhan Mantri Awas Yojana (PMAY) Explained

The Pradhan Mantri Awas Yojana is a joint scheme of the Ministry of Housing and Urban Poverty Alleviation and the Government of India to provide affordable housing to the economically poor people from Urban and Rural regions of India. A house is one of the three most basic needs of a human being, food and clothing being the other two. Most people work their entire life and still could not save enough to purchase or build a house on their own. The Indian government has introduced this wonderful scheme to help these poor people to buy affordable houses anywhere in the country.

The Pradhan Mantri Awas Yojana (Housing for all) is a nationwide housing scheme that was launched by the Indian Prime Minister Narendra Modi on 25th June 2015 with the purpose of providing affordable pucca houses to the people in Economically Weaker Sections (EWS), Low-Income Group (LIG) and Mid-Income Group. The scheme is aimed at building more than 2 crore affordable houses across the country latest by 2022.

Pradhan Mantri Awas Yojana (PMAY) Major Points

Here is the list of important things about PMAY.

  • PMAY scheme was launched on June 25, 2015
  • It is operated and managed by the Ministry of Housing and Urban Poverty Alleviation of the Central Government of India.
  • The scheme was introduced by the Prime Minister Narendra Modi.
  • Target completion date is 2022 (7 years)
  • The primary objective of the scheme is to build around 2 crore (20 million) affordable houses including 18 million in the slum areas and 2 million non-slum households throughout the country with proper water facility, sanitation, and electricity supply.
  • The target beneficiaries are the Economically Weaker Sections (EWS), Low-Income and Mid-Income groups.
  • Number of phases: 3
    1. Phase I: To be completed by March 2017, the phase I involves building affordable houses in the selected 100 cities in India.
    2. Phase II: This phase covers the next 200 cities and is expected to be completed by March 2019.
    3. Phase III: Phase III aims at building affordable houses in the remaining cities of India latest by March 2022.

The Pradhan Mantri Awas Yojana was originally designed to cover the EWS and LIG categories but was later extended to cover the MIG as well. The three categories are explained below.

  1. EWS (Economically Weaker Sections): Households with annual income less than or equal to 3 lakh rupees)
  2. LIG (Low-Income Groups): Families with annual income between 3 lakh and 6 lakh rupees
  3. MIG (Mid-Income Groups): With annual income between 6 lakh and 18 lakh rupees

Besides the above categories, there are some other direct beneficiaries including Schedule tribes (ST), Scheduled castes (SC), and Indian women.

The Key Aspects of the Pradhan Mantri Awas Yojana

PMAY scheme is comprised of the following four aspects.

1. The government, in collaboration with private developers, will build homes in the slum areas of the country for thousands of slum dwellers presently living in those areas.

2. The weaker (EWS), Low-income (LIG) and mid-income (MIG) sections will be given a credit-linked subsidy (concession) on the loans taken for building new homes or reconstruction of old homes. The subsidy amount varies depending on the category.

  • EWS and LIG category people who take a loan of up to 6 lakh rupees for the tenure of up to 20 years from a bank or Housing Finance Company will be given an interest concession of 6.5 per cent.
  • MIG-I category candidates (salary between 6 lakh and 12 lakh) will be given a subsidy of 4 per cent on a loan amount of up to 9 lakh rupees. An interest subsidy of 3% will be given on the loan amount of up to 12 lakh to MIG-II category candidates (salary between 12 lakh and 18 lakh).

The current market interested rate on housing loans is over 10 per cent. The PMAY scheme effectively allows up to 4% reduction in the standard interest rate. This also significantly lowers the EMI amounts. The 6.5% interest rate is only applicable on the loans granted under the PMAY scheme. If a person wishes to take a housing loan for more than 20 years, he/she will have to pay the normal interest rate for any additional number of years.

Any person from LIG or EWS category can apply for a loan if he/she wishes to build a new home or purchase one from the houses built by the government or to renovate an existing house. The carpet area of the houses constructed/renovated under this scheme should not be more than 30 square metres for EWS category, 60 square meters for LIG, 90 square meters for MIG-I and 110 square meters for MIG-II groups.

3. The central Government in collaboration with States/ Union governments will provide financial assistance to build affordable houses under this project.

4. Eligible candidates will be provided direct financial assistance of up to 1.5 lakh rupees for the construction/enhancement of the individual houses.

The PMAY scheme reduces the house acquiring cost by up to 2.3 lakh for the people in LIG and EWS groups to make them eligible to afford a house under this scheme. The government will also give preference to the female applicants. The physically disable and the old people will be given preference for the allotment of ground floor houses. The government has also instructed the contractors to strictly follow the eco-friendly construction mechanisms for all the housing enclaves under this scheme.

Cities covered under the PMAY Scheme

The central government has released a list of the cities in each state and union territory of India where new housing units will be built under this scheme. You can check out the list below.

Andhra Pradesh- Adoni, Amaravati Capital City, Anantapur, Bhimavaram, Chilakaluripet, Chirala, Chittoor, Dharmavaram, Eluru, Gudivada, Gudur, Guntakal, Guntur, GVMC, Hindupur, Kadapa, Kadiri, Kakinada, Kavali, Kurnool, Machilipatnam, Madanapalle, Mangalagiri, Nandyal, Narasaraopet, Nellore, Ongole, Palacole, Proddatur, Rajahmundry, Rayachoti, Srikakulam, Srikalahasti, Tadepalligudem, Tadpatri, Tenali, Tirupati, Vijayawada, Vizianagaram, Yemmiganur, Amadalavalasa, Kandukur, Mandapeta, Palasa Kasibugga, Peddapuram, Ponnur, Ramachandrapuram, Samalkot, Sattenapalle, Amalapuram, Bobbili, Markapur, Parvathipuram, Pithapuram, Rayadurg, Salur, Tuni, Atmakur, Mydukur, Nellimarla

Arunachal Pradesh- Aalo, Anini, Basar, Boleng, Bomdila, Changlang, Daporijo, Deomali, Dirang, Hawai, Itanagar, Jairampur, Khonsa, Koloriang, Longding, Miao, Naharlagun, Namsai, Pasighat, Roing, Sagalee, Seppa, Tawang, Tezu, Yingkiong, Ziro, Dumporijo, Mariyang, Palin

Bihar- Amarpur, Araria, Areraj, Arrah, Arwal, Aurangabad, Bagaha, Bahadurganj, Bairgania, Bakhri, Bakhtiarpur, Balia, Banka, Banmankhi Bazar, Barahiya, Barauli, Barbigha, Barh, Begusarai, Belsand, Benipur, Bettiah, Bhabua, Bhagalpur, Biharsharif, Bihat, Bikram, Bikramganj, Birpur, Bodh Gaya, Buxar, Chakia, Chanpatia, Chapra, Dalsinghsarai, Darbhanga, Daudnagar, Dehri, Dhaka, Dighwara, Dinapur Nizamat, Dumra, Dumraon, Fatwah, Forbesganj, Gaya, Ghoghardiha, Gogri Jamalpur, Gopalganj, Hajipur, Hilsa, Hisua, Islampur, Jagdishpur, Jainagar, Jamalpur, Jamui, Janakpur Road, Jehanabad, Jhajha, Jhanjharpur, Jogabani, Kanti, Kasba, Kataiya, Katihar, Kesaria, Khagaria, Khagaul, Kharagpur, Khusrupur, Kishanganj, Koath, Kochas, Koilwar, Lakhisarai, Lalganj, Madhepura, Madhubani, Maharajganj, Mahnar Bazar, Mahua, Mairwa, Makhdumpur, Maner, Manihari, Marhaura, Masaurhi, Mehsi, Mirganj, Mokameh, Motihari, Motipur, Munger, Murliganj, Muzaffarpur, Nabinagar, Narkatiaganj, Nasriganj, Naubatpur, Naugachhia, Nawada, Nirmali, Nokha, Pakri Dayal, Patna, Phulwari Sharif, Piro, Purnia, Rafiganj, Rajgir, Ramnagar, Raxaul Bazar, Revelganj, Rosera, Saharsa, Sahebganj, Samastipur, Sasaram, Shahpur, Sheikhpura, Sheohar, Sherghati, Silao, Sitamarhi, Siwan, Sonepur, Sugauli, Sultanganj, Supaul, Teghra, Thakurganj, Tikari, Warisaliganj

Chhattisgarh- Ahiwara, Ambikapur, Bade Bacheli, Bagbahara, Baikunthpur, Balod, Baloda Bazar, Bhatapara, Bhilai Charoda, Bhilai Nagar, Bijapur, Bilaspur, Birgaon, Champa, Chirmiri, Dantewada, Dhamtari, Durg, Gobra Nawapara, Jagdalpur, JashpurNagar, Kanker, Kawardha, Kondagaon, Korba, Mahasamund, Mana-Camp, Manendragarh, Mungeli, Naila-Janjgir, Narayanpur, Pendra, Raigarh, Raipur, Rajnandgaon, Sukma

Gujarat- Ahmedabad, Amreli, Anand, Anklesvar, Bharuch, Bhavnagar, Bhuj, Deesa, Gandhidham, Gandhinagar, Himatnagar, Jetpur Navagadh, Kadi, Kalol, Mahesana, Morbi, Navsari, Palanpur, Patan, Rajkot, Savarkundla, Sidhpur, Surat, Una, Unjha, Vadodara, Vallabh Vidyanagar, Valsad, Vapi, Visnagar, Bardoli, Bavla, Borsad, Botad, Dhrangadhra, Dohad, Jamnagar, Junagadh, Kapadvanj, Karamsad, Keshod, Limbdi, Mahuva, Mangrol, Palitana, Petlad, Porbandar, Radhanpur, Sihor, Surendranagar Dudhrej, Thangadh, Upleta, Vadnagar, Veraval, Vyara, Wadhwan, Wankaner, Amod, Anjar, Anklav, Babra, Bagasara, Balasinor, Bantwa, Bareja, Barwala, Bayad, Bhabhar, Bhachau, Bhanvad, Bhayavadar, Bilimora, Bopal, Boriavi, Chaklasi, Chalala, Chanasma, Chhaya, Chhota Udaipur, Chorvad, Chotila, Dabhoi, Dakor, Damnagar, Dehgam, Devgadbaria, Dhandhuka, Dhanera, Dharampur, Dholka, Dhoraji, Dhrol, Dwarka, Gadhada, Gandevi, Gariadhar, Godhra, Gondal, Halol, Halvad, Harij, Idar, Jafrabad, Jambusar, Jamjodhpur, Jasdan, Jhalod, Kadodara, Kalavad, Kalol, Kanjari, Kansad, Karjan, Kathlal, Khambhalia, Khambhat, Kheda, Khedbrahma, Kheralu, Kodinar, Kutiyana, Lathi, Lunawada, Mahudha, Maliya, Manavadar, Mandvi, Mandvi, Mansa, Mehmedabad, Modasa, Nadiad, Ode, Okha, Padra, Pardi, Patdi, Pethapur, Prantij, Rajpipla, Rajula, Ranavav, Rapar, Raval, Sachin(CT), Salaya, Sanand, Santrampur, Saputara, Savli, Shehera, Sikka, Sojitra, Songadh, Sutrapada, Talaja, Talala, Talod, Tarsadi, Thara, Tharad, Thasra, Umbergaon, Umreth, Vadali, Vallabhipur, Vanthali, Vijalpor, Vijapur, Viramgam, Visavadar

Haryana- Faridabad, Gurgaon, Hisar, Karnal, Panipat, Rohtak, Sirsa, Sonipat, Yamunanagar

Himachal Pradesh- Baddi, Bilaspur, Chamba, Dharmsala, Hamirpur, Kullu, Mandi, Nahan, Nalagarh, Parwanoo, Shimla, Solan, Una

Jammu & Kashmir- Anantnag, Badgam, Baramula, Bashohli, Bhaderwah, Bijbehara, Doda, Ganderbal, Handwara, Jammu, Kargil, Kathua, Kishtwar, Kupwara, Leh Ladakh, Pulwama, Punch, R.S. Pora, Rajauri, Ramban, Samba, Shupiyan, Sopore, Srinagar, Udhampur

Jharkhand- Chas (Bokaro Steel City), Chirkunda, Deoghar, Dhanbad, Dumka, Giridih, Gumla, Hazaribag, Jamshedpur, Lohardaga, Medininagar, Phusro, Ramgarh Cantonment, Ranchi, Basukinath, Bishrampur, Bundu, Chaibasa, Chakardharpur, Chakulia, Chatra, Garhwa, Godda, Hussainabad, Jamtara, Jhumri Tilaiya, Khunti, Kodarma, Latehar, Madhupur, Majhion, Mihijam, Pakaur, Rajmahal, Sahibganj, Seraikela, Simdega, Nagar Uttari

Kerala- Alappuzha, Kalpetta, Kannur, Kasaragod, Kochi, Kollam, Kottayam, Kozhikode, Malappuram, Palakkad, Pathanamthitta, Thiruvananthapuram, Thodupuzha, Thrissur

Madhya Pradesh- Agar, Alirajpur, Anuppur, Ashoknagar, Ashta, Balaghat, Barwani, Basoda, Berasia, Betul, Bhind, Bhopal, Bina- Etawa, Budni, Burhanpur, Chandla, Chhatarpur, Chhindwara, Dabra, Damoh, Datia, Dewas, Dhar, Dindori, Guna, Gwalior, Harda, Hoshangabad, Indore, Itarsi, Jabalpur, Jhabua, Khajuraho, Khandwa, Khargone, Khurai, Maihar, Manawar, Mandla, Mandsaur, Morena, Murwara (Katni), Nagda, Narsimhapur, Nasrullaganj, Neemuch, Panna, Patharia, Pithampur, Raisen, Rajgarh, Rampur Baghelan, Ratlam, Rehti, Rewa, Sagar, Sarni, Satna, Sehore, Sendhwa, Seoni, Shahdol, Shahganj, Shajapur, Sheopur, Shivpuri, Sidhi, Sihora, Singrauli, Sonkatch, Tikamgarh, Ujjain, Umaria, Vidisha

Manipur- Andro, Bishnupur, Heirok, Imphal, Jiribam, Kakching, Kakching Khunou, Kumbi, Kwakta, Lamlai, Lamsang, Lilong (Imphal West), Lilong (Thoubal), Mayang Imphal, Moirang, Moreh, Nambol, Ningthoukhong, Oinam, Samurou NP, Sekmai Bazar, Sikhong Sekmai, Sugnu, Thongkhong Laxmi Bazar, Thoubal, Wangjing, Wangoi, Yairipok

Maharashtra- Achalpur, Ahmadnagar, Akola, Alibag, Ambarnath, Amravati, Aurangabad, Badlapur, Barshi, Bhandara, Bhiwandi Nizampur, Bhusawal, Bid, Buldana, Chandrapur, Dhule, Gadchiroli, Gondiya, Greater Mumbai, Hinganghat, Hingoli, Ichalkaranji, Jalgaon, Jalna, Kalyan-Dombivli, Kolhapur, Latur, Malegaon, Mira-Bhayandar, Nagpur, Nanded Waghala, Nandurbar, Nashik, Navi Mumbai, Osmanabad, Panvel, Parbhani, Pimpri Chinchwad, Pune, Ratnagiri, Sangli Miraj Kupwad, Satara, Sawantwadi, Solapur, Thane, Udgir, Ulhasnagar, Vasai-Virar City, Wardha, Washim, Yavatmal

Meghalaya- Baghmara, Jowai, Mairang, Nongpoh, Nongstoin, Resubelpara, Shillong, Shillong CB, Tura, Williamnagar

Mizoram- Aizawl, Bairabi, Biate, Champhai, Darlawn, Hnahthial, Khawhai, Khawzawl, Kolasib, Lawngtlai, Lengpui, Lunglei, Mamit, N., Kawnpui, North Vanlaiphai, Saiha, Sairang, Saitual, Serchhip, Thenzawl, Tlabung, Vairengte, Zawlnuam

Nagaland- Changtongya, Chumukedima, Dimapur, Jalukie, Kiphire, Kohima, Longleng, Medziphema, Mokokchung, Mon, Naginimora, Peren, Pfutsero, Phek, Tseminyu, Tuensang, Tuli, Wokha, Zunheboto, Shamator, Noklak, Meluri, Aboi

Odisha- Anandpur, Athagad, Balangir, Baleshwar, Banapur, Banki, Bargarh, Baripada, Bhadrak, Bhawanipatna, Bhubaneswar, Biramitrapur, Brahmapur, Brajarajnagar, Byasanagar, Choudwar, Cuttack, Debagarh, Dhenkanal, Jagatsinghapur, Jajapur, Jeypur, Jharsuguda, Kantabanji, Khariar, Khordha, Kochinda, Konark, Koraput, Malkangiri, Nayagarh, Paradip, Puri, Rairangpur, Rajagangapur, Raurkela, Rayagada, Sambalpur, Sundargarh, Talcher, Titlagarh, Umarkote, Anugul, Asika, Athmallik, Balimela, Balugaon, Barapali, Barbil, Basudebpur, Baudhgarh, Bellaguntha, Belpahar, Bhanjanagar, Bhuban, Binika, Buguda, Burla, Chhatrapur, Chikiti, Dhamanagar, Digapahandi, G. Udayagiri, Ganjam, Gopalpur, Gudari, Gunupur, Hinjilicut, Hirakud, Jaleshwar, Jatani, Joda, Junagarh, Kabisurjyanagar, Kamakshyanagar, Karanjia, Kashinagar, Kendrapara, Kesinga, Khalikote, Khandapada, Khariar Road, Kodala, Kotpad, Nabarangapur, Nilagiri, Nimapada, Padmapur, Paralakhemundi, Patnagarh, Pattamundai, Phulabani, Pipili, Polasara, Purusottampur, Rambha, Redhakhol, Sonapur, Soro, Sunabeda, Surada, Tarbha, Udala

Punjab- Abohar, Adampur, Ahmedgarh, Ajnala, Alawalpur, Amloh, Amritsar, Anandpur Sahib, Badhni Kalan, Bagha Purana, Balachaur, Banga, Banur, Bareta, Bariwala, Barnala, Bassi Pathana, Batala, Bathinda, Begowal, Bhadaur, Bhadson, Bhagta Bhai Ka, Bhawanigarh, Bhikhi, Bhogpur, Bhucho Mandi, Bhulath, Budhlada, Chamkaur Sahib, Cheema, Dasua, Dera Baba Nanak, Dera Bassi, Dhanaula, Dharamkot, Dhariwal, Dhilwan, Dhuri, Dina Nagar, Dirba, Doraha, Faridkot, Fatehgarh Churian, Fazilka, Firozpur, Gardhiwala, Garhshankar, Ghagga, Ghanaur, Gidderbaha, Gobindgarh, Goniana, Goraya, Gurdaspur, Guru Har, Sahai, Handiaya, Hariana, Hoshiarpur, Jagraon, Jaitu, Jalalabad, Jalandhar, Jandiala, Kapurthala, Kartarpur, Khamanon, Khanauri, Khanna, Kharar, Khem Karan, Kot Fatta, Kot Kapura, Kurali, Lehragaga, Lohian Khass, Longowal, Ludhiana, Machhiwara, Mahilpur, Majitha, Makhu, Malerkotla, Mallanwala Khass, Maloud, Malout, Mansa, Maur, Moga, Moonak, Morinda, Mudki, Mukerian, Muktsar, Mullanpur Dakha, Nabha, Nakodar, Nangal, Nawanshahr, Naya Gaon, Nurmahal, Pathankot, Patiala, Patran, Patti, Payal, Phagwara, Phillaur, Qadian, Rahon, Raikot, Raja Sansi, Rajpura, Raman, Ramdas, Rampura Phul, Rayya, Rupnagar, S.A.S. Nagar, Sahnewal, Samana, Samrala, Sanaur, Sangat, Sangrur, Sardulgarh, Shahkot, Sham Chaurasi, Sirhind Fatehgarh Sahib, Sri Hargobindpur, Sujanpur, Sultanpur, Talwandi Bhai, Talwandi Sabo, Tapa, Tarn Taran, Urmar Tanda, Zira, Zirakpur, Amargarh, Arniwala Shekhsuban, Ballianwali, Bhairupa, Bhikhiwind, Boha, Chaukey, Joga, Kot Ise Khan, Kot Shamir, Kotha Guru, Lalru, Lehra Mohabbat, Maluka, Mamdot, Mandi Kalan, Mehatpur, Mehraj, Nadala, Nathana, Nihal Singh Wala, Rampura, Sunam, Talwara

Rajasthan- Ajmer, Alwar, Balotra, Banswara, Baran, Beawar, Bharatpur, Bhilwara, Bhiwadi, Bikaner, Bundi, Chaksu, Chittaurgarh, Churu, Dhaulpur, Falna, Ganganagar, Gangapur City, Hanumangarh, Hindaun, Jaipur, Jhalawar and Jhalrapatan, Jhunjhunun, Jodhpur, Kishangarh, Kota, Makrana, Nagaur, Nathdwara, Pali, Pratapgarh, Pushkar, Rajsamand, Sardarshahar, Sawai Madhopur, Sikar, Sujangarh, Tonk, Udaipur, Vijainagar(M), Abu Road, Aklera, Amet, Antah, Anupgarh, Asind, Baggar, Bagru, Bali, Bandikui, Bari, Bari Sadri, Barmer, Bayana, Begun, Behror, Bhadra, Bhawani Mandi, Bhinder, Bhinmal, Bhusawar, Bidasar, Bilara, Bissau, Chhabra, Chhapar, Chhoti Sadri, Chirawa, Chomu, Dausa, Deeg, Deogarh, Deoli, Deshnoke, Didwana, Dungargarh, Dungarpur, Fatehnagar, Fatehpur, Gajsinghpur, Gangapur, Gulabpura, Indragarh, Jahazpur, Jaisalmer, Jaitaran, Jalor, Jobner, Kaithoon, Kaman, Kanor, Kapasan, Kaprain, Karanpur, Karauli, Kekri, Keshoraipatan, Kesrisinghpur, Khairthal, Khandela, Kherli, Khetri, Kishangarh Renwal, Kotputli, Kuchaman City, Kuchera, Kumher, Kushalgarh, Lachhmangarh, Ladnu, Lakheri, Lalsot, Losal, Malpura, Mandalgarh, Mandawa, Mangrol, Merta City, Mount Abu, Mukandgarh, Mundwa, Nadbai, Nagar, Nainwa, Nawa, Nawalgarh, Neem-Ka-Thana, Nimbahera, Niwai, Nohar, Nokha, Padampur, Parbatsar, Phalodi, Phulera, Pilani, Pilibanga, Pindwara, Pipar City, Pirawa, Pokaran, Raisinghnagar, Rajakhera, Rajaldesar, Rajgarh, Rajgarh(M), Ramganj Mandi, Ramgarh, Rani, Ratangarh, Ratannagar, Rawatbhata, Rawatsar, Reengus, Sadri, Sadulshahar, Sagwara, Salumbar, Sambhar, Sanchore, Sangaria, Sangod, Sarwar, Shahpura, Shahpura(M), Sheoganj, Sirohi, Sojat, Sri Madhopur, Sumerpur, Surajgarh, Suratgarh, Takhatgarh, Taranagar, Tijara, Todabhim, Todaraisingh, Udaipurwati, Uniara, Vidyavihar, Vijainagar, Viratnagar, Weir

Sikkim- Gangtok, Gyalshing, Jorethang, Mangan, Namchi, Nayabazar Notified Bazar Area, Rangpo, Singtam

Tamil Nadu- Abiramam, Achampudur, Adikaratti, Alagappapuram, Alangudi, Alur, Alwarkurichi, Alwarthirunagiri, Andipatti Jakkampatti, Aravakurichi, Ariyalur, Arumuganeri, Athanur, Athur(TP), Attayampatti, Aygudi, B. Meenakshipuram, B.Mallapuram, Bikketti, Boothipuram, Chennai, Cheranmadevi, Chettipalayam, Chinnakkampalayam, Chitlapakkam, Coimbatore, Cuddalore, Devadanapatti, Dhali, Dharmapuri, Dindigul, Eral, Eriodu, Erode, Erumaipatti, Ettimadai, Ezhudesam, Gangaikondan, Ganguvarpatti, Hanumanthampatti, Hosur, Huligal, Ilanji, Ilayangudi, Irugur, Jagathala, Jalakandapuram, Kadathur, Kalakad, Kalladaikurichi, Kalugumalai, Kamayagoundanpatti, Kambainallur, Kanadukathan, Kancheepuram, Kandanur, Kannamangalam, Kannampalayam, Kannivadi, Kannivadi, Kappiyarai, Karungal, Karur, Kasipalayam (G), Kaveripakkam, Kaveripattinam, Kayatharu, Keeranur, Kelamangalam, Kinathukadavu, Kolappalur, Kombai, Konganapuram, Koothappar, Kottaiyur, Krishnagiri, Kuchanur, Kunnathur, Labbaikudikadu, Lalpet, Madambakkam, Madathukulam, Madurai, Mallasamudram, Mamallapuram, Manamadurai, Mangalampet, Manimutharu, Marandahalli, Markayankottai, Marungur, Melachokkanathapuram, Melagaram, Mohanur, Nagapattinam, Nagercoil, Nagojanahalli, Namakkal, Nandivaram – Guduvancheri, Nanguneri, Naranammalpuram, Nattarasankottai, Nazerath, Nilakkottai, Odaipatti, Omalur, Orathanadu, Palani Chettipatti, Pallapalayam(TP), Pallathur, Pannaipuram, Papanasam, Paramathi, Pasur, Pathamadai, Peerkankaranai, Peraiyur, Peralam, Perambalur, Peranamallur, Periya Negamam, Perumagalur, Perungalathur, Perungulam, Pothanur, Pudukkottai, Pudupatti, Pudur, Puduvayal, R.S.Mangalam, Ramanathapuram, Ranipettai, Salem, Samathur, Sankarnagar, Sathankulam, Sayapuram, Sevugampatti, Singampuneri, Sivaganga, Srivaikuntam, Suchindrum, Sulur, Sundarapandiam, Sundarapandiapuram, Swamimalai, T.Kallupatti, Thadikombu, Thamaraikulam, Thanjavur, Thedavur, Theni Allinagaram, Thenkarai, Thenthiruperai, Thirukarungudi, Thirukkattupalli, Thirumalayampalayam, Thirumuruganpoondi, Thirunindravur, Thiruporur, Thiruppanandal, Thiruvalam, Thiruvallur, Thiruvarur, Thiruvidaimarudur, Thisayanvilai, Thoothukkudi, Tiruchirappalli, Tirukkoyilur, Tirunelveli, Tiruppur, Tiruvannamalai, TNPL Pugalur, Udangudi, Udhagamandalam, Uppidamangalam, Uthamapalayam, V. Pudur, V.Pudupatti, Vadakarai Keezhpadugai, Vadugapatti, Veerapandi, Veeravanallur, Vellore, Velur, Vennanthur, Vilapakkam, Vilathikulam, Viluppuram, Virudhunagar, Zamin Uthukuli

Telengana- Achampet, Adilabad, Armur, Bhongir, Bodhan, Gajwel, GHMC, Jangaon, Karimnagar, Khammam, Mahabubabad, Mahbubnagar, Medak, Metpalle, Miryalaguda, Nagarkurnool, Nalgonda, Nirmal, Nizamabad, Palwancha, Sangareddy, Siddipet, Sircilla, Suryapet, Vicarabad, Wanaparthy, Warangal, Zahirabad, Bhainsa, Dubbaka, Husnabad, Huzurabad, Jammikunta, Kollapur, Mancherial, Ramagundam, Shadnagar, Bellampalle, Gadwal, Jagtial, Kagaznagar, Kamareddy, Koratla, Kothagudem, Mandamarri, Manugur, Narayanpet, Sadasivpet, Sathupalle, Tandur, Yellandu, Andole-Jogipet, Badangpet, Badepally, Bhupalpalle, Devarakonda, Huzurnagar, Ibrahimpatnam, Ieeja, Kalwakurthy, Kodada, Madhira, Medchal, Narasannapeta, Parakal, Pedda Amberpet, Peddapalle, Vemulawada

Uttar Pradesh- Achhalda, Achhnera, Adari, Afzalgarh, Agarwal Mandi (Tatiri), Agra, Ahraura, Ailam, Ajhuwa, Akbarpur (NP), Akbarpur (NPP), Aliganj, Aligarh, Allahabad, Allahganj, Allapur, Amanpur, Ambehta, Amethi, Amethi(NP), Amila, Aminagar, Sarai, Amraudha, Amroha, Anandnagar, Antu, Anupshahr, Aonla, Ashrafpur Kichhauchha, Atarra, Atasu, Atrauli, Atrauliya, Auraiya, Aurangabad, Auras, Awagarh, Ayodhya, Azamgarh, Azmatgarh, Babarpur Ajitmal, Baberu, Babrala, Babugarh, Bachhraon, Bachhrawan, Baghpat, Bah, Bahadurganj, Baheri, Bahjoi, Bahraich, Bahsuma, Bahuwa, Bajna, Bakewar, Bakshi Ka Talab, Baldeo, Ballia, Balrampur, Banat, Banda, Bangarmau, Banki, Bansdih, Bansgaon, Bansi, Baragaon, Baraut, Bareilly, Barhalganj, Barhani Bazar, Barkhera, Barsana, Barua Sagar, Barwar, Basti, Behat, Bela Pratapgarh, Belthara Road, Beniganj, Beswan, Bewar, Bhabnan, Bazar, Bhadarsa, Bhadohi, Bhagwant Nagar, Bharatganj, Bhargain, Bharthana, Bharwari, Bhatni Bazar, Bhatpar Rani, Bhawan Bahadur Nagar, Bhinga, Bhogaon, Bhojpur Dharampur, Bhokarhedi, Bidhuna, Bighapur, Bijnor, Bikapur, Bilari, Bilariaganj, Bilaspur, Bilaspur(NPP), Bilgram, Bilhaur, Bilram, Bilsanda, Bilsi, Bindki, Bisalpur, Bisanda Buzurg, Bisauli, Bisharatganj, Biswan, Bithoor, Budaun, Budhana, Bugrasi, Bulandshahr, Chail, Chakia, Chandauli, Chandausi, Charkhari, Charthawal, Chaumuhan, Chhaprauli, Chharra Rafatpur, Chhata, Chhatari, Chhibramau, Chilkana Sultanpur, Chirgaon, Chitbara Gaon, Chitrakoot Dham, Chopan, Chunar, Churk Ghurma, Colonelganj, Dadri, Dalmau, Dankaur, Dariyabad, Dasna, Dataganj, Daurala, Dayalbagh, Deoband, Deoranian, Deoria, Derapur, Dewa, Dhampur, Dhanaura, Dhaura Tanda, Dhaurehra, Dibai, Dibiyapur, Dildarnagar Fatehpur Bazar, Doghat, Dohrighat, Domariyaganj, Dostpur, Dudhi, Ekdil, Erich, Etah, Etawah, Etmadpur, Faizabad, Faizganj, Farah, Faridnagar, Faridpur, Faridpur(NP), Fariha, Farrukhabad-cum-Fatehgarh, Fatehabad, Fatehganj Pashchimi, Fatehganj, Purvi, Fatehpur, Fatehpur, Fatehpur Chaurasi, Fatehpur Sikri, Firozabad, Gajraula, Gangaghat, Gangapur, Gangoh, Ganj Dundawara, Ganj Muradabad, Garautha, Garhi Pukhta, Garhmukhteshwar, Gaura Barhaj, Gauri Bazar, Gawan, Ghatampur, Ghaziabad, Ghazipur, Ghiraur, Ghorawal, Ghosi, Ghosia Bazar, Ghughuli, Gohand, Gokul, Gola Bazar, Gola Gokaran Nath, Gonda, Gopamau, Gopiganj, Gorakhpur, Gosainganj, Gosainganj(NP), Govardhan, Gulaothi, Gulariya, Gulariya Bhindara, Gunnaur, Gursahaiganj, Gursarai, Gyanpur, Haidergarh, Haldaur, Hamirpur, Handia, Hapur, Hardoi, Harduaganj, Hargaon, Hariharpur, Harraiya, Hasanpur, Hasayan, Hastinapur, Hata, Hathgram, Hathras, Hyderabad, Iglas, Ikauna, Iltifatganj Bazar, Islamnagar, Itaunja, Jafarabad, Jagner, Jahanabad, Jahangirabad, Jahangirpur, Jais, Jaithara, Jalalabad (NPP), Jalalabad(NP), Jalalabad(NP), Jalali, Jalalpur, Jalaun, Jalesar, Jangipur, Jansath, Jarwal, Jasrana, Jaswantnagar, Jatari, Jaunpur, Jewar, Jhalu, Jhansi, Jhinjhak, Jhinjhana, Jhusi, Jiyanpur, Joya, Jyoti Khuriya, Kabrai, Kachhauna Patseni, Kachhla, Kachhwa, Kadaura, Kadipur, Kaimganj, Kairana, Kakod, Kakori, Kakrala, Kalinagar, Kalpi, Kamalganj, Kampil, Kandhla, Kannauj, Kanpur, Kanth, Kanth(NP), Kaptanganj, Karari, Karhal, Karnawal, Kasganj, Katghar Lalganj, Kathera, Katra, Katra Medniganj, Katra(NP), Kauriaganj, Kemri, Kerakat, Khadda, Khaga, Khair, Khairabad, Khalilabad, Khamaria, Khanpur, Kharela, Khargupur, Kharkhoda, Khatauli, Khekada, Kheragarh, Kheri, Khetasarai, Khudaganj, Khurja, Khutar, Kiraoali, Kiratpur, Kishni, Kishunpur, Kithaur, Koeripur, Konch, Kopaganj, Kora Jahanabad, Koraon, Kosi Kalan, Kotra, Kul Pahar, Kunda, Kundarki, Kunwargaon, Kuraoali, Kurara, Kursath, Kursath(NP), Kushinagar, Kusmara, Laharpur, Lakhimpur, Lakhna, Lal Gopalganj Nindaura, Lalganj, Lalitpur, Lar, Lawar, Loni, Lucknow, Machhlishahr, Madhoganj, Madhogarh, Maghar, Mahaban, Maharajganj, Maharajganj(NPP), Mahmudabad, Mahoba, Maholi, Mahona, Mahrajganj, Mahroni, Mailani, Mainpuri, Majhauliraj, Malihabad, Mallawan, Mandawar, Manikpur, Manikpur Sarhat, Maniyar, Manjhanpur, Mankapur, Marehra, Mariahu, Maswasi, Mataundh, Mathura, Mau Aima, Maudaha, Maunath Bhanjan, Mauranipur, Maurawan, Mawana, Meerut, Mehdawal, Mehnagar, Mendu, Milak, Miranpur, Mirganj, Mirzapur-cum-Vindhyachal, Misrikh-cum-Neemsar, Modinagar, Mogra Badshahpur, Mohammadabad(NP), Mohammadabad(NPP), Mohammadi, Mohan, Mohanpur, Moradabad, Moth, Mubarakpur, Mughalsarai, Muhammadabad, Mundera, Bazar, Mundiya, Muradnagar, Mursan, Musafirkhana, Muzaffarnagar, Nadigaon, Nagina, Nagram, Nai Bazar, Najibabad, Nakur, Nanauta, Nandgaon, Nanpara, Naraini, Narauli, Naraura, Naugawan Sadat, Nautanwa, Nawabganj(NP), Nawabganj(NPP), Nawabganj(NPP), Nawabganj(NPP+OG), Nehtaur, Nichlaul, Nidhauli Kalan, Niwari, Nizamabad, Noorpur, Nyoria Husainpur, Nyotini, Obra, Oel Dhakwa, Orai, Oran, Pachperwa, Padrauna, Pahasu, Paintepur, Pali, Pali(NP), Paliya Kalan, Parikshitgarh, Parsadepur, Patala, Patiyali, Patti, Phalauda, Phaphund, Phulpur, Phulpur(NP), Pihani, Pilibhit, Pilkhana, Pilkhuwa, Pinahat, Pipiganj, Pipraich, Pipri, Powayan, Pratapgarh City, Pukhrayan, Puranpur, Purdilnagar, Purquazi, Purwa, Rabupura, Radhakund, Rae Bareli, Railway Settlement Roza, Raja, Ka Rampur, Rajapur, Ramkola, Ramnagar(NP), Ramnagar(NPP), Rampur, Rampur Karkhana, Rampur Maniharan, Rampura, Ranipur, Rasra, Rasulabad, Rasulabad(NP), Rath, Raya, Renukoot, Reoti, Richha, Risiya Bazar, Rithora, Rudauli, Rudayan, Rudrapur, Rura, Sadabad, Sadat, Safipur, Sahanpur, Saharanpur, Sahaspur, Sahaswan, Sahatwar, Sahawar, Sahjanwan, Sahpau, Saidpur, Saidpur(NP), Sainthal, Saiyad Raza, Sakhanu, Sakit, Salempur, Salon, Sambhal, Samdhan, Samthar, Sandi, Sandila, Sarai Aquil, Sarai Mir, Sardhana, Sarila, Sarsawa, Sasni, Satrikh, Saunkh, Saurikh, Seohara, Sewalkhas, Sewarhi, Shahabad, Shahabad(NP), Shahganj, Shahi, Shahjahanpur, Shahpur, Shamli, Shamsabad, Shamsabad(NPP), Shankargarh, Shergarh, Sherkot, Shikarpur, Shikohabad, Shishgarh, Shivli, Shivrajpur, Shohratgarh, Siana, Siddharthnagar, Siddhaur, Sidhauli, Sidhpura, Sikanderpur, Sikanderpur(NP), Sikandra, Sikandrabad, Sikandrarao, Singahi Bhiraura, Sirathu, Sirauli, Sirsa, Sirsaganj, Sirsi, Sisauli, Siswa Bazar, Sitapur, Soron, Suar, Subeha, Sultanpur, Sumerpur, Suriyawan, Swamibagh, Talbehat, Talgram, Tambaur-cum-Ahamdabad, Tanda, Tanda(NPP), Thakurdwara, Thana Bhawan, Thiriya Nizamat Khan, Tikait Nagar, Tikri, Tilhar, Tindwari, Tirwaganj, Titron, Tondi, Fatehpur, Tulsipur, Tundla, Ugu, Ujhani, Ujhari, Umri, Umri Kalan, Un, Unchahar, Unnao, Usawan, Usehat, Uska Bazar, Utraula, Varanasi, Vijaigarh, Vrindavan, Warhapur, Wazirganj, Zaidpur, Zamania

Uttarakhand- Almora, Bageshwar, Bajpur, Barkot, Bhimtal, Bhowali, Chamba, Chamoli Gopeshwar, Champawat, Dehradun, Devaprayag, Dharchula, Didihat, Dineshpur, Dogadda, Doiwala, Dwarahat, Gadarpur, Gochar, Haldwani-cum-Kathgodam, Hardwar, Herbertpur, Jaspur, Jhabrera, Joshimath, Kaladhungi, Karnaprayag, Kashipur, Kela Khera, Khatima, Kichha, Kirtinagar, Kotdwara, Laksar, Lalkuan, Landhaura, Lohaghat, Mahua Dabra Haripura, Mahua Kheraganj, Manglaur, Muni Ki Reti, Mussoorie, Nainital, Nandprayag, Narendranagar, Pauri, Pithoragarh, Ramnagar, Ranikhet, Rishikesh, Roorkee, Rudraprayag, Rudrapur, Shaktigarh, Sitarganj, Srinagar, Sultanpur, Tanakpur, Tehri, Uttarkashi, Vikasnagar, Augustmuni, Banbasa, Berinaag, Bhagwanpur, Bindukhatta, Chaukutia, Chiniyalisaun, Gairsain, Gangolihaat, Ghansali, Jonk, Kapkoot, Munsyari, Nanakmatta, Naugaun, Pokhri, Purola, Satpuli, Shivalik Nagar, Ukhimath

West Bengal- Alipurduar, Arambag, Asansol, Ashokenagar Kalyangarh, Baduria, Baidyabati, Balurghat, Bankura, Bansberia, Baranagar, Barasat, Barddhaman, Barrackpore, Baruipur, Basirhat, Beldanga, Berhampore, Bhadreswar, Bhatpara, Bidhannagar, Birnagar, Bishnupur, Bolpur, Bongaon, Budge Budge, Buniadpur, Chakdaha, Champdani, Chandannagar, Chandrakona, Contai, Cooper’s Camp, Dainhat, Dalkhola, Dankuni, Darjiling, Dhulian, Dhupguri, Diamond Harbour, Dinhata, Domkal, Dubrajpur, Dum Dum, Durgapur, Egra, English Bazar, Gangarampur, Garulia, Gayespur, Ghatal, Gobardanga, Guskara, Habra, Haldia, Haldibari, Halisahar, Haora, Haringhata, Hugli-Chinsurah, Islampur, Jalpaiguri, Jangipur, Jaynagar Mazilpur, Jhalda, Jhargram, Jiaganj-Azimganj, Kaliaganj, Kalimpong, Kalna, Kalyani, Kamarhati, Kanchrapara, Kandi, Katwa, Kharagpur, Kharar, Khardah, Koch Bihar, Kolkata, Konnagar, Krishnanagar, Kshirpai, Kurseong, Madhyamgram, Maheshtala, Mal, Mathabhanga, Medinipur, Mekliganj, Memari, Mirik, Murshidabad, Nabadwip, Naihati, Nalhati, New Barrackpore, North Barrackpore, North DumDum, Old Malda, Panihati, Panskura, Pujali, Puruliya, Raghunathpur, Raiganj, Rajpur Sonarpur, Ramjibanpur, Rampurhat, Ranaghat, Rishra, Sainthia, Santipur, Serampore, Siliguri, Sonamukhi, South DumDum, Suri, Taherpur, Taki, Tamluk, Tarakeswar, Titagarh, Tufanganj, Uluberia, Uttarpara Kotrung

Pradhan Mantri Awas Yojana Conclusion

The PMAY scheme is one of the best housing schemes ever launched in the country. More than 30,000 people have already been benefited under the scheme. The government will grant substantial sum amounts between 1 lakh and 1.5 lakh rupees directly to the beneficiaries in EWS and LIG categories who wish to build new houses or renovate the existing ones. The PMAY scheme has proven to be beneficial not only for the poor people who wish to have their own houses but also for the banks, financial organizations, cement and steel companies and many other related businesses.

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