The Pradhan Mantri Awas Yojana (PMAY) is a flagship initiative by the Government of India aimed at providing affordable housing to all citizens. In Gujarat, this scheme has been instrumental in addressing the housing needs of economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). As of 2025, PMAY continues to play a pivotal role in ensuring that every family has access to a pucca (permanent) house with basic amenities.
📌 What is PMAY?
PMAY is a government initiative launched in 2015 under the Ministry of Housing and Urban Affairs (MoHUA) to provide affordable housing to urban and rural poor. The scheme is implemented through four primary components:
- Beneficiary Led Construction (BLC): Provides financial assistance to EWS families to construct their own houses on their land.
- Affordable Housing in Partnership (AHP): Facilitates construction of houses for EWS and LIG families through partnerships between public and private sectors.
- Credit Linked Subsidy Scheme (CLSS): Offers interest subsidies on home loans to EWS, LIG, and MIG families.
- Affordable Rental Housing Complexes (ARHC): Provides rental housing options for migrant workers and urban poor.
📊 PMAY in Gujarat: Key Statistics
As per the latest data from the PMAY Urban portal, Gujarat has made significant progress under PMAY:
- Total Demand Entered: Approximately 3,649 applications.
- Beneficiary Led Construction (BLC): 164 houses sanctioned.
- Affordable Housing in Partnership (AHP): 306 houses sanctioned.
- Interest Subsidy Scheme (ISS): 3,179 applications processed.
These figures indicate a robust response to the scheme, reflecting the state’s commitment to providing affordable housing.
🏡 Eligibility Criteria
To avail benefits under PMAY in Gujarat, applicants must meet the following criteria:
- Income Categories:
- EWS (Economically Weaker Section): Annual income up to ₹3 lakh.
- LIG (Low Income Group): Annual income between ₹3 lakh and ₹6 lakh.
- MIG (Middle Income Group): Annual income between ₹6 lakh and ₹9 lakh.
- Ownership: Applicant or any family member should not own a pucca house anywhere in India.
- Age: Applicant should be at least 18 years old.
- Family Definition: Includes husband, wife, and unmarried children.
💰 Financial Assistance & Subsidy
Under the Credit Linked Subsidy Scheme (CLSS), eligible beneficiaries can avail the following benefits:
- EWS: Interest subsidy of 6.5% on home loans up to ₹6 lakh.
- LIG: Interest subsidy of 6.5% on home loans up to ₹6 lakh.
- MIG-I: Interest subsidy of 4% on home loans up to ₹9 lakh.
- MIG-II: Interest subsidy of 3% on home loans up to ₹12 lakh.
The maximum carpet area of houses under this component is up to 120 sqm. Subsidy is credited upfront to the beneficiary’s loan account, reducing the principal amount. The subsidy is released in five equal yearly installments through Direct Benefit Transfer (DBT) (PMAY).
📝 How to Apply in Gujarat
- Visit the Official Portal: Go to PMAY Urban Portal.
- Select the Appropriate Vertical:
- For BLC: Choose “Beneficiary Led Construction.”
- For AHP: Choose “Affordable Housing in Partnership.”
- For ISS: Choose “Interest Subsidy Scheme.”
- Fill in the Application Form: Provide personal and income details.
- Upload Required Documents: Include Aadhaar card, income proof, bank details, and property documents.
- Submit the Application: After verification, submit the application online.
- Track Application Status: Use the Track Application Status feature to monitor your application’s progress.
📞 Contact Information
For assistance or queries related to PMAY in Gujarat:
- Helpline Number: +91 8810389745
- Email: pmay2helpdesk@gmail.com
- Official Website: PMAY Urban
✅ Important Notes
- One-Time Benefit: The subsidy under PMAY is provided only once for a property.
- Income Proof: Applicants must submit a self-declaration or affidavit as proof of income.
- Property Value: The property value should not exceed ₹35 lakh to avail the subsidy.
- Loan Limit: Home loan should not exceed ₹25 lakh to qualify for the subsidy.
📈 Future Outlook
The Gujarat government, in collaboration with the central government, aims to expedite the construction and allocation of houses under PMAY. With continuous monitoring and support, the state is on track to achieve the ‘Housing for All’ goal, ensuring that every citizen has access to a safe and affordable home.
For more detailed information and updates, visit the PMAY Urban Portal.