PM Awas Yojana (PMAY)

Housing for All — pucca houses with basic amenities.

The Pradhan Mantri Awas Yojana (PMAY) is a flagship housing scheme of the Government of India with the vision of "Housing for All". It aims to provide affordable pucca houses with basic amenities to eligible families. PMAY-Urban was launched in 2015 and PMAY-Gramin (rural) was restructured in 2016.

Scheme at a Glance

Vision Housing for All
Two Components PMAY-Urban & PMAY-Gramin (Rural)
Urban Ministry Ministry of Housing & Urban Affairs
Rural Ministry Ministry of Rural Development
Urban Component (CLSS) Credit Linked Subsidy Scheme on home loans

Key Features

  • Financial assistance for the construction of pucca houses with basic facilities.
  • PMAY-Urban has verticals including Credit Linked Subsidy, in-situ slum redevelopment and beneficiary-led construction.
  • Preference is given to women, SC/ST, minorities and other weaker sections.
  • Houses are preferably registered in the name of a woman or jointly.
Related Data & Facts:
  • PMAY-Gramin replaced the earlier Indira Awas Yojana (IAY).
  • The scheme integrates with other programmes for toilets (SBM), LPG (Ujjwala) and electricity (Saubhagya).
  • Geo-tagging and Direct Benefit Transfer are used to ensure transparency in fund release.

Practice MCQs

Q1. What is the main vision of the PM Awas Yojana?

a) Health for All   b) Housing for All   c) Water for All   d) Power for All

Answer: b) Housing for All

Q2. PMAY-Gramin replaced which earlier scheme?

a) Indira Awas Yojana   b) Antyodaya Yojana   c) Jawahar Rozgar Yojana   d) Rural Housing Fund

Answer: a) Indira Awas Yojana

Q3. Which ministry implements PMAY-Urban?

a) Ministry of Rural Development   b) Ministry of Housing & Urban Affairs   c) Ministry of Finance   d) Ministry of Panchayati Raj

Answer: b) Ministry of Housing & Urban Affairs

Q4. The home-loan subsidy component of PMAY-Urban is called:

a) CLSS   b) DBT   c) MUDRA   d) PMEGP

Answer: a) CLSS (Credit Linked Subsidy Scheme)

Q5. Houses under PMAY are preferably registered in whose name?

a) Male head   b) Woman or jointly   c) Eldest son   d) Gram Panchayat

Answer: b) Woman or jointly