If you plan to buy, build, or upgrade a home in 2025, the Pradhan Mantri Awas Yojana (commonly known as PMAY) can lower your loan cost through the credit-linked subsidy.

For eligible families, the headline benefit is the Rs. 2.67 lakh subsidy on home loans in 2025, credited to your loan account and used to reduce the principal. That means a smaller EMI from day one. You can apply online or offline and track your status easily.

Below is a simple guide to who can apply, how to apply, and what to keep handy.

Know all about the Pradhan Mantri Awas Yojana in 2025

PMAY: Who can get the benefit?

PMAY serves households with no pucca homes anywhere in India. Eligibility and benefit slabs are linked to your annual income:

- EWS (up to Rs. 3 lakh) and LIG (up to Rs. 6 lakh): These households a

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