Common Questions Related to PMAY- Find the right answer here

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 1. What is Pradhan Mantri Awas Yojana (Urban) and its objectives and scope?

Pradhan Mantri Awas Yojana (Urban) for ensuring housing for all in urban areas was launched on 25th June 2015 providing pucca houses to all eligible beneficiaries by 2022. The Mission provides Central Assistance to implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all eligible families/ beneficiaries against the validated demand for houses for about 1.12 cr. PMAY(U) has made a mandatory provision for the female head of the family to be the owner or co-owner of the house under this Mission. A basket of options is adopted to ensure more number of people depending on their income, finance and availability of land through following four options.

  • 1. “In-situ” Slum Redevelopment (ISSR)
  • 2. Credit Linked Subsidy Scheme (CLSS)
  • 3. Affordable Housing in Partnership (AHP)
  • 4. Beneficiary-led individual house construction/enhancements (BLC)


2. What is In-Situ Slum Redevelopment?

3. What is the definition of carpet area?

4. What is Affordable Housing in Partnership (AHP)?

5. What is Beneficiary led individual house construction enhancements (BLC)?

6. Who is defined as a beneficiary under Pradhan Mantri Awas Yojana (Urban) Scheme?

7. Who are the nodal agencies who will be operating or responsible for disbursal of the subsidy under Credit Linked Subsidy Scheme (CLSS)?

8. What is Credit Linked Subsidy Scheme (CLSS)?

9. What happens where a beneficiary having availed housing loans from one of the PLIs and also benefit under CLSS switches over to another PLI for taking advantage of the reduced interest rate?

10. What happens when the subsidy has already been disbursed but due to certain reasons the construction of the house is stalled?

11. Can we get 30 year home loan for EWS beneficiary?

12. What is criteria for EWS LIG MIG categories for the purpose of the Scheme

13. Whether a beneficiary can avail of benefit under more than one component?

14. Are there any area restrictions under the Scheme for availing of the subsidy under the CLSS component?

15. Any preferential treatment to beneficiaries proposed for Affordable Housing?

16. Who are Primary Lending Institutions (PLIs)?

17. Will a person having a plot without any construction be an eligible beneficiary?

18. How the Central Assistance will be released to beneficiaries for individual house construction?

19. How the subsidy is to be released to beneficiaries?

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