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Pradhan Mantri Awas Yojana Lucknow Overview

The government of Uttar Pradesh is taking great initiatives to ensure that all individuals of the state get housing. The Chief Minister of Uttar Pradesh, Yogi Adityanath, headed the establishment of the housing scheme. As per the proposal, more than 1 Lakh homes will be constructed under the Pradhan Mantri Awas Yojana, Lucknow. The Housing & Urban Development Corporation (HUDCO) has offered a loan of ₹ 1000 crore for this program.


Through the scheme, the Central Government and the State Government will contribute towards the construction cost in a ratio of 60:40. The Lucknow PMAY scheme offers families from the lower-income background the opportunity to live in decent establishments. 

Features of PMAY Lucknow

The Pradhan Mantri Awas Yojana carries some of the following features:

  • The scheme makes housing affordable for lower-income groups. 

  • The scheme includes four pillars i.e, Beneficiary Led Construction (BLC), Affordable Housing Partnership (AHP), Credit Linked Subsidy Scheme (CLSS), and In Setu Slum Rehabilitation (ISSR). 

Eligibility for PMAY Lucknow

The PMAY scheme in Uttar Pradesh is primarily aimed at providing affordable homes to the people belonging to the Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group -I and II (MIG-I and II) categories. Depending on the household income, the beneficiaries of PMAY who availed of a Home Loan are entitled to receive a subsidy on the interest amount. The following table reflects the eligibility criteria to be a PMAY beneficiary in Uttar Pradesh:

Income Category

Household Income

Maximum Subsidy Amount for a 20-year loan


Upto Rs. 3 Lakhs

Rs. 2, 67, 280


Between Rs. 3 Lakhs and Rs. 6 Lakhs

Rs. 2, 67, 280


Between Rs. 6 Lakhs and Rs. 12 Lakhs

Rs. 2, 35, 068


Between Rs. 12 Lakhs and Rs. 18 Lakhs

Rs. 2, 30, 156

Components of PMAY Lucknow

  • Credit-Linked Subsidy Scheme (CLSS)

One of the key components of PMAY Uttar Pradesh under which the beneficiaries can avail subsidy on Home Loan amount is the Credit-Linked Subsidy Scheme (CLSS). The CLSS offers an interest subsidy to the beneficiaries for the Home Loan amount sanctioned based on their respective household incomes. A couple applying for the PMAY under the CLSS is entitled to receive only one subsidy, irrespective of the property owner status. Here is a table that encapsulates the eligible loan amount, interest subsidy, and carpet area under the CLSS for a tenure of 20 years:

Income Group

Eligible Loan Amount

Interest Subsidy Rate

Carpet Area

Approx. Interest Savings on Subsidy @ 10%


Rs. 6 Lakhs

6.5 percent

30 sqm & 60 sqm

Rs. 2,500


Rs. 9 Lakhs

4 percent

160 sqm

Rs. 2,250


Rs. 12 Lakhs

3 percent

200 sqm

Rs. 2,200

  • Beneficiary Led Construction (BLC)

This component can be utilised by the beneficiaries in Uttar Pradesh who already possess a piece of plot or house and want to build on the existing condition. Under BLC, the eligible beneficiaries can avail themselves of financial assistance of Rs. 1.5 Lakhs per unit for the enhancement of the property.

  • Affordable Housing Partnership (AHP)

AHP has been designed keeping in view the eligible beneficiaries who neither own a piece of land nor can afford a Home Loan for house construction. In such cases, the AHP provides them with the financial support of Rs. 1.5 Lakhs per housing unit.

  • In-situ Slum Rehabilitation (ISSR)

This component has been designed for the benefit of individuals residing in slums and wish to own a basic yet decent home. Under ISSR, the eligible beneficiaries are offered a financial grant of Rs. 1 Lakh from the government.

Documents Required to Apply for PMAY Lucknow

When applying for PMAY Lucknow, beneficiaries must submit the following documents:

  • Duly filled in the application form

  • LIG/EWS certificate of income

  • Address proof - Photocopy

  • Income proof like salary certificate, salary slips, etc

  • Latest Form 16 and Income Tax Return Certificate

  • Last 6 months bank statement

  • In case the applicant is self-employed, they must submit a brief note on the nature of the business

  • No Objection Certificate (NOC) from the competent authority or housing society

  • Unique ID like PAN card, voter ID, Aadhaar card, etc

  • Proof of nationality identification

  • Proof of belonging to minority, OBC, ST, SC, etc

  • Approved construction plan

  • Construction agreement with developer or builder

  • Property allotment letter, title deeds, mutation, etc

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How to Apply for PMAY Lucknow?

The process to apply for PMAY Lucknow is very simple. All you have to do is:

  • Step 1: Visit the official PMAY or Pradhan Mantri Awas Yojana website i.e PMAY-HFA(Urban) (pmaymis.gov.in)

  • Step 2: Choose the appropriate category you choose to apply i.e., other three components or slum dwellers.

  • Step 3: On the PMAY - Urban (PMAY-U) page, click on the ‘Citizen Assessment’ option. 

  • Step 4: Let’s say you select ‘Benefits under other three components’ if this is your category (Select ‘Slum Dwellers’ if otherwise’).

  • Step 5: Enter all your Aadhaar card details before clicking on the ‘Check’ button. 

  • Step 6: You will then be directed to another page where you must fill in other personal details that include name, caste, address, nationality, and more. 

  • Step 7: Enter the ‘Captcha’ code and click on ‘Save’.

If you realize that you have entered any incorrect information, you can click on ‘Edit’ and modify the details.

How to Check Lucknow Awas Yojana List?

To verify if your name exists as a beneficiary in the Uttar Pradesh Awas Yojana for 2020, you may navigate through the following steps:

  • Visit the PMAY website at http://pmaymis.gov.in/

  • On the home page, click on the ‘Search Beneficiary’ tab.

  • Input your Aadhaar number and click on the ‘Show’ button.

  • Now, your name along with other details are displayed on the screen.


Once you verify your name in the beneficiary list, you may avail the CLSS subsidy under PMAY Uttar Pradesh by applying for a Home Loan on trusted financial platforms like the Bajaj Markets. On Bajaj Markets, you can now avail of a Home Loan of up to Rs. 5 Crores at attractive interest rates to secure your dream home.

PMAY Lucknow FAQs

You can check your PMAY Lucknow eligibility by simply visiting the Pradhan Mantri Awas Yojana website. Use the PMAY eligibility calculator to understand the eligibility criteria better.

Apply for PMAY Lucknow 2021 by simply visiting the official PMAY website. Go to ‘Citizen Assessment’ and fill in the details like name, address, aadhaar number, and more before clicking save. The application can also be made offline by visiting the Common Service Centre (CSC).

You can check the status of PMAY Lucknow 2021 by simply visiting the official PMAY website. Select ‘Track Assessment Status’ listed under ‘Citizen Assessment’ and fill in the requested details to process your application.

Any person who has a pucca home in the country cannot avail of the PMAY Lucknow scheme.

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