Answer a few questions. We’ll tell you your category, which scheme vertical fits, and roughly what you could get. Takes under a minute.
QUESTION 1
Where do you want the house?
The scheme splits into two completely different programmes for cities and villages.
How does a PMAY eligibility checker online work?
Most banks and NBFCs that show up when you search for one have a home loan to sell at the end of it, so their checkers tend to stop wherever it’s convenient for them. The real answer holds regardless of who you eventually borrow from and it splits in two. A genuine Pradhan Mantri Awas Yojana eligibility check online has to ask completely different questions depending on where you live. PMAY-Urban 2.0 sorts households by annual income into EWS (up to ₹3 lakh), LIG (₹3–6 lakh), and MIG (₹6–9 lakh), each tied to a different scheme vertical. PMAY-Gramin doesn’t use an income form at all — rural eligibility comes off a government survey list (the Awaas+ 2024 exercise), and a handful of exclusions, like owning a pucca house, a vehicle, or a government job, rule a household out automatically. One form can’t honestly answer both, which is why this one asks.
How much subsidy can you actually get under PMAY?
Under the Urban scheme’s Interest Subsidy component, you get 4% off your home loan rate, capped at ₹1.80 lakh total, and only on the first ₹8 lakh of the loan — so what you’d actually receive depends on your income bracket, loan amount, and house value together, not any one of them alone. Under PMAY-Gramin, it’s a flat construction grant instead: ₹1.20 lakh in plain areas, ₹1.30 lakh in hilly or difficult terrain, plus a toilet grant and an optional top-up loan. The checker above runs your actual numbers through both sets of rules and tells you where you land — free, with no phone number or loan pushed on you at the end.
URBAN · INCOME
What is your total annual family income?
Add up everyone in the household: husband, wife, and unmarried children.
URBAN · OWNERSHIP
Does anyone in your family already own a pucca house, anywhere in India?
A pucca house is a permanent house. This includes any family member’s name.
URBAN · HISTORY
Have you taken any government housing benefit in the last 20 years?
Any central or state housing assistance for building or buying a home.
URBAN · WHAT YOU NEED
What do you actually want to do?
This decides which of the four PMAY-U verticals fits you.
URBAN · LOAN DETAILS
Your loan and property numbers
The interest subsidy has two ceilings: loan up to ₹25 lakh, house value up to ₹35 lakh.
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RURAL · WHO IS EXCLUDED
Do any of these apply to your household?
PMAY-Gramin selects families off a survey. Any one of these usually rules a family out. Tick all that are true, or choose “none”.
