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Pradhan Mantri Awas Yojana or PMAY is a scheme that is sponsored by the government of India. The aim of this scheme is to offer affordable housing to the financially weaker sections of the society. The project intends to build houses in hand selected cities with the use of eco-friendly means.

Pradhan Mantri Awas Yojana eligibility

PMAY or the Pradhan Mantri Awas Yojana eligibility requirements include:

  • The applicant's household income must range between Rs 6 lakhs to Rs 18 lakhs.

  • No pucca houses must be under the name of the applicant or their family members anywhere in the country.

  • The section of the population in the country that belong to scheduled tribes or scheduled castes are all eligible under this scheme.

How to apply or register for the PMAY scheme?

  1. Visit the website http://pmaymis.gov.in/.

  2. Under the menu click the 'Citizen Assessment' button.

  3. Enter the Aadhar number.

  4. Fill in the required details.

  5. At the bottom of the page tick the 'I am aware of' button and click on 'Save'.

  6. After saving your application, one application number will be generated which needs to be noted down for future use.

  7. Download and print the application form.

  8. This form needs to be submitted at the nearby CSC office or financial institution.

Reasons why applicants declined the offer

In the month of October of 2020, about 2918 applicants were selected under the PMAY(U) by the PMC, out of which 731 families only claimed them. There is a new set of lists in which new applicants are selected and urged to claim their unclaimed homes. Even after passing through the Pradhan Mantri Awas Yojana eligibility, the applicants have decided to reject the offer due to these reasons:

  • According to one of the applicants, 10% of the total amount of the apartment needed to be paid within the first month. The applicant was unable to prepare such a large sum of money at such short notice because of the unemployment caused by the lockdown.

  • The size of the apartment is one of the reasons why many choose to let go of their unclaimed houses for a bigger house.

  • Most of the applicants changed their locality because of the pandemic and were unable to check their names in the list.

  • Since the draw of lotteries took place in 2017 many of the applicants changed their contact numbers and were unreachable.

  • A lot of the applicants were unemployed during the quarantine. Additionally, many have a bad credit history and have previous unsettled debts which is why financial institutions waver before giving them the required loans to avail the offer.

How to check the rural PMAY list using registration number?

If the application you sent for the PMAYG list 2020-21 is selected then you will get a message with your registration number. With the registration number you can follow these steps in order to check your name in the PMAY list:

How to check the PMAY list without a registration number?

If you want to check for your name in the Pradhan Mantri Awas Yojana scheme list without the use of a registration number then follow the following steps:

  • Visit website rhreporting.nic.in/netiay/Benificiary.aspx

  • Click the option of 'Advance Search'.

  • Enter the details that are required to fill.

  • Click the 'Search' button.

  • If your application has been selected then your name should appear on screen.

How to check the urban PMAY list?

You can check the Pradhan Mantri Awas Yojana Urban list for your name by following the given steps:

  • Visit the pmaymis.gov.in.

  • Click the 'Select Beneficiary' button.

  • From the menu choose to search using the name.

  • Enter the first three characters of your name and click 'Show'.

  • Your name will show up on screen if your application has been selected.


The Pradhan Mantri Awas Yojana was first implemented in the year of 2015 with the vision of every citizen in the country being able to afford a house by the year 2020. The government-funded scheme has the objective to provide reasonable housing for the economically challenged section of the society by the 75th Independence Day.


To ensure a proper shelter for you and your family, avail the PMAY scheme today. If by any reason you are not eligible for the PMAY scheme then check out the wide range of Home Loans that are available on Bajaj Markets. With a loan amount of maximum Rs 3.5 Crores, flexible tenures and competing interest rates and much more, the loans offered by us are hassle-free and convenient to apply.

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PMAY: Pradhan Mantri Awas Yojana Scheme

Your dream of owning a home need not wait!, Pradhan Mantri Awas Yojana (PMAY) along with Bajaj Markets will make your dream come true And the best part! With PMAY scheme, you can get a significant subsidy on your Home Loan interest amount.

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