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Pradhan Mantri Awas
Yojana (PMAY):
Building a Dream, Building a Nation
The Housing Challenge in India
• Millions of Indians lack
access to safe and
adequate housing.
• Slum dwellings often lack
basic amenities like
sanitation and clean water.
• Affordable housing
solutions are crucial for
improving living standards.
Pradhan Mantri Awas Yojana: A Two-Pronged Approach
• PMAY caters to both urban and
rural populations.
• PMAY-U: Focuses on affordable
housing in urban areas for EWS
& LIG.
• PMAY-G & PMAY-R: Targets
rural households below the
poverty line.
• PMAY-G: New house
construction.
• PMAY-R: Renovation of existing
dilapidated houses.
How Does PMAY Work?
• Credit-linked subsidy scheme.
• Beneficiaries must meet income
criteria.
• Apply through state nodal
agencies or online portals.
• Avail home loans from banks at
subsidized interest rates.
• Subsidy amount varies based
on income category (EWS, LIG,
MIG).
• Loan amount can be used for
new construction or house
enhancement.
Benefits of PMAY
• Affordability: Reduced financial burden due to interest rate subsidies.
• Improved Living Conditions: Safe and secure homes with basic amenities.
• Economic Growth: Boosts the housing sector, creating jobs.
Thank You

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Pradhan Mantri Awas Yojana (PMAY) - Urban

  • 1. Pradhan Mantri Awas Yojana (PMAY): Building a Dream, Building a Nation
  • 2. The Housing Challenge in India • Millions of Indians lack access to safe and adequate housing. • Slum dwellings often lack basic amenities like sanitation and clean water. • Affordable housing solutions are crucial for improving living standards.
  • 3. Pradhan Mantri Awas Yojana: A Two-Pronged Approach • PMAY caters to both urban and rural populations. • PMAY-U: Focuses on affordable housing in urban areas for EWS & LIG. • PMAY-G & PMAY-R: Targets rural households below the poverty line. • PMAY-G: New house construction. • PMAY-R: Renovation of existing dilapidated houses.
  • 4. How Does PMAY Work? • Credit-linked subsidy scheme. • Beneficiaries must meet income criteria. • Apply through state nodal agencies or online portals. • Avail home loans from banks at subsidized interest rates. • Subsidy amount varies based on income category (EWS, LIG, MIG). • Loan amount can be used for new construction or house enhancement.
  • 5. Benefits of PMAY • Affordability: Reduced financial burden due to interest rate subsidies. • Improved Living Conditions: Safe and secure homes with basic amenities. • Economic Growth: Boosts the housing sector, creating jobs.