• Recently, Pradhan Mantri Awas Yojana (PMAY)- Urban has completed seven years of successful implementation.
  • With a total investment of Rs 8.31 Lakh Crore, PMAY-U has so far sanctioned 122.69 lakh houses, out of which more than 1 crore houses have been grounded and over 61 lakh houses have been completed and delivered to the beneficiaries. 

Pradhan Mantri Awas Yojana-Urban

  • Pradhan Mantri Awas Yojana (PMAY) falls under the Government’s mission – Housing for All by 2022 for urban housing being implemented by the Ministry of Housing and Urban Affairs (MoHUA).
  • It makes home loans affordable for the urban poor by providing a subsidy on the Interest Rate of a home loan during repayment by way of EMI (Equated Monthly Installments).


  • The Mission addresses urban housing shortage among the EWS/LIG and MIG categories including the slum dwellers.
  • Economically Weaker Section (EWS) – with a maximum annual family income of Rs. 3,00,00.
  • Low Income Group (LIG) – with maximum annual family income of Rs. 6,00,000) and
  • Middle Income Groups (MIG I & II) – with a maximum annual family income of Rs. 18,00,000)
  • A beneficiary family will comprise husband, wife, unmarried sons and/or unmarried daughters.

Affordable Housing through Credit Linked Subsidy (CLSS):

Beneficiaries of EWS, LIG, MIG (I &II) seeking housing loans from Banks, Housing Finance Companies and other such institutions for acquiring, new construction or enhancement of houses are eligible for an interest subsidy of:

  1. 5% on loan amount up to Rs. 6 Lakh
  2. 4% on loan amount up to Rs. 9 Lakh
  3. 3% on loan amount up to Rs. 12 Lakh 


  • Geotagging is a process of adding geographical identification to various media like photography.
  • Under the PMAY-U guidelines, it is mandatory for the state government to ensure that all houses built under the scheme are geotagged to the Bhuvan HFA (housing for all) application.
  • Bhuvan is an Indian Geo Platform developed by the Indian Space Research Organisation (ISRO).
  • It is a web-based application which allows users to access various map related services.


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