PMAY 2026: Are You Eligible for a Free House?

Over 3 crore rural and 99 lakh urban homes have been built under PM Awas Yojana. If you earn below a certain income and don't own a pucca house, you may still qualify for a government housing subsidy worth lakhs.

Here's what happened: As of mid-2026, PMAY-Gramin has completed 3.10 crore rural houses, with funds disbursed directly to beneficiary bank accounts.. PMAY-Urban has completed over 99 lakh homes in cities and towns, targeting EWS, LIG, and MIG income groups.. Eligibility requires no existing pucca house in the family, Aadhaar linkage, and income below scheme-specific thresholds..

What you should do: Check your name on the PMAY beneficiary list at pmaymis.gov.in or pmayg.nic.in using your Aadhaar number.. Visit your local gram panchayat or urban local body office to confirm if your household is registered under the scheme.. If you have an existing PMAY home loan, apply for the Credit Linked Subsidy Scheme (CLSS) interest benefit before your lender's deadline..

Pro tip: PMAY subsidy is credited upfront to your home loan account — it directly reduces your principal, cutting total interest paid over the loan tenure by ₹2–6 lakh depending on your income slab.