PMAY

Pradhan Mantri Awas Yojana (PMAY) is a flagship housing scheme launched by the Indian government in June 2015 to provide affordable, all-weather 'pucca' houses to eligible urban and rural poor. 

Key Components

  • PMAY-Urban (PMAY-U): Targets urban poor, slum dwellers, and middle-income families across cities and towns, extending into PMAY-U 2.0 (2024–2029) to cover additional housing demands.
  • PMAY-Gramin (PMAY-G): Focuses on rural households living in temporary (kuchcha) structures, providing direct financial assistance and grants for construction. 

Eligibility & Categories

  • Income Groups: Divided into Economically Weaker Sections (EWS, income up to ₹3 lakh), Low-Income Groups (LIG, ₹3–6 lakh), and Middle-Income Groups (MIG, up to ₹18 lakh depending on the specific sub-scheme).
  • Ownership Condition: The beneficiary family must not own a permanent pucca house anywhere in India.
  • Women Empowerment: Properties must be registered in the name of an adult female member or owned jointly with a female family member.