Pradhan Mantri Awas Yojana (PMAY) – Women Ownership Provision
Housing assistance with mandatory female ownership/co-ownership
Government
Central Government
Who it’s for
Houseless / EWS-LIG Women Heads of Households
Application mode
Online / through Gram Panchayat or ULB
Processing time
Varies significantly by state/scheme component — sanction and disbursal are typically staggered across construction milestones.
Deadline / renewal
PMAY components have had periodic extensions — check pmaymis.gov.in / pmayg.nic.in for the current phase and deadline.
What it provides
Housing subsidy/assistance for pucca houses; scheme mandates that the house be allotted in the name of the female head of household or jointly with her, promoting women's asset ownership.
Benefits breakdown
Who’s eligible
Houseless families / those in kutcha houses as per PMAY-Gramin/Urban eligibility criteria; female ownership/co-ownership mandated where feasible.
Documents required
- Aadhaar card of applicant (and spouse, for joint ownership)
- Income certificate
- Bank account details (Aadhaar-linked)
- Land ownership/property documents (where applicable)
- Caste certificate (if applying under SC/ST/OBC category for priority)
How to apply
Online
- Visit pmaymis.gov.in (Urban) or pmayg.nic.in (Gramin) as applicable
- Check your name in the beneficiary list (for PMAY-G, based on the SECC/Awaas+ survey) or apply under the applicable PMAY-Urban component
- Submit/verify Aadhaar, income and bank details online
- Track application/sanction status via the portal
In-person / offline
- For PMAY-Gramin, approach your Gram Panchayat or Block Development Office to check/update your name in the Awaas+ survey list
- For PMAY-Urban, approach your Urban Local Body (Municipal Corporation/Council) office for application under the applicable vertical (BLC/AHP/ISSR/CLSS)
Helpline
1800-11-6446 (PMAY-Urban, verify current number)
1800-11-8111 (PMAY-Gramin, verify current number)
FAQs
Does the house have to be only in the woman's name?
Guidelines require the house be registered in the name of the female head of the household, or jointly with the male head, to promote women's asset ownership — exact wording depends on the PMAY component/state adaptation.
Is PMAY the same in rural and urban areas?
No — PMAY-Gramin (rural) and PMAY-Urban (for towns/cities) are separate verticals with different eligibility, benefit structures, and portals.
Last verified 31 August 2026