Pradhan Mantri Awas Yojana 2025 unlocks affordable housing
PMAY offers loan subsidies up to Rs 2.67 lakh for EWS/LIG; online portal streamlines applications for new homes or upgrades.
Newsroom, November 03, 2025: The Pradhan Mantri Awas Yojana (PMAY) for 2025 seeks to deliver budget-friendly homes to underprivileged families through subsidies on loans for buying, constructing, or improving houses, prioritising those without a solid roof anywhere in the country.
It encourages women's names on property titles for specific groups, tackling urban and rural shortages with a focus on self-help, partnerships, and interest reductions. To qualify, applicants must have incomes below Rs 6 lakh for low-income categories, link Aadhaar, and prove no prior pucca home ownership; middle-income bands get tailored relief.
Benefits include direct subsidy credits to loans—up to Rs 2.67 lakh, slashing EMIs from the start—for 20 years, though no cash payouts or commercial use allowed, with a five-year resale lock. Apply online via the PMAY-U 2.0 portal with Aadhaar and income docs, or offline at CSCs; track status with an ID. Updates feature Angikaar campaigns for verification and lender-assisted claims to speed approvals.
