{"id":12303,"date":"2023-08-29T03:18:38","date_gmt":"2023-08-29T03:18:38","guid":{"rendered":"\/blog\/?p=12303"},"modified":"2025-12-30T16:31:10","modified_gmt":"2025-12-30T11:01:10","slug":"difference-between-pmay-gramin-and-pmay-urban","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/difference-between-pmay-gramin-and-pmay-urban\/","title":{"rendered":"Difference between PMAY Gramin and PMAY Urban"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>On June 1, 2015, the Government of India launched its flagship housing project \u2013 the <a href=\"https:\/\/www.tatacapital.com\/home-loan\/pmay.html\">Pradhan Mantri Awas Yojana (PMAY)<\/a>. With an aim to provide affordable housing for all by 2022, the scheme emphasizes on providing low-cost pucca homes to the poor in both urban and rural areas. Basic amenities such as water supply, proper sanitation and electricity are also to be provided.<\/p>\n\n\n\n<p>For streamlining purposes, the scheme is divided into two components \u2013<\/p>\n\n\n\n<ul>\n<li>Pradhan Mantri Awas Yojana Urban\/PMAY Urban\/PMAYU<\/li>\n\n\n\n<li>Pradhan Mantri Awas Yojana Gramin\/PMAY Gramin\/PMAYG<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is PMAY Urban (PMAY-U)?<\/strong><\/h2>\n\n\n\n<p>To address the housing requirements of all the different beneficiaries, PMAYU operates in 4 verticals-<\/p>\n\n\n\n<p>1. In-Situ Slum Redevelopment<\/p>\n\n\n\n<p>Redeveloping slums irrespective of the land on which it exists. The land could be privately owned or it could be owned by the Central Government, State Government or Urban Local Bodies (ULB)<\/p>\n\n\n\n<p>2. <a href=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/what-is-credit-linked-subsidy-scheme-how-does-it-work\/\">Credit Linked Subsidy Schemes (CLSS)<\/a><\/p>\n\n\n\n<p>Manual scavengers, women, people with disabilities, transgenders and people belonging to SC, ST, OBC categories and minorities get preference under this scheme.<\/p>\n\n\n\n<p>3. Affordable Housing in Partnership with Private &amp; Public Sectors<\/p>\n\n\n\n<p>Financial assistance of Rs 1.5 lakhs is provided to each house built for people in Economically Weaker Sections (EWS)<\/p>\n\n\n\n<p>4. Beneficiary-Led Individual House Construction\/Enhancement<\/p>\n\n\n\n<p>Individuals belonging to EWS get guidance to either construct a new house or restructure an existing one.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PMAY Urban Eligibility Criteria<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Category<\/td><td>Income<\/td><td>Maximum Interest Subsidy Provided<\/td><td>Maximum Loan Amount<\/td><\/tr><tr><td>Economically Weaker Sections (EWS)<\/td><td>Less than 3 Lakhs<\/td><td>6.5%<\/td><td>6 Lakhs<\/td><\/tr><tr><td>Lower Income Group (LIG)<\/td><td>3 Lakhs \u2013 6 Lakhs<\/td><td>6.5%<\/td><td>6 Lakhs<\/td><\/tr><tr><td>Middle Income Group \u2013 I (MIG \u2013 I)<\/td><td>6 Lakhs \u2013 12 Lakhs<\/td><td>4%<\/td><td>9 Lakhs<\/td><\/tr><tr><td>Middle Income Group \u2013 II (MIG \u2013 II)<\/td><td>12 Lakhs \u2013 18 Lakhs<\/td><td>3%<\/td><td>12 Lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is PMAY Gramin (PMAY-G)?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>PMAY Gramin Benefits &amp; Features<\/strong><\/h3>\n\n\n\n<p>Features of PMAYG \u2013<\/p>\n\n\n\n<ul>\n<li>Funds are transferred electronically to the Bank or Post Office account of the beneficiary.<\/li>\n\n\n\n<li>Solid and liquid wastes generated by the households are managed under PMAY-G.<\/li>\n\n\n\n<li>National Rural Drinking Water Programme (NRDWP) provides drinking water to households under PMAY-G.<\/li>\n\n\n\n<li>Beneficiaries also receive good quality cooking fuel.<\/li>\n\n\n\n<li>The total estimated expenditure of PMAY-G is Rs. 60,000 crores.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>PMAY Gramin Eligibility Criteria<\/strong><\/h3>\n\n\n\n<p>Beneficiaries for the Pradhan Mantri Gramin Awas Yojana are chosen by the Gram Sabha based on the data collected in the Socio-Economic and Caste Census of 2011 (SECC 2011). If the applicant\u2019s name is mentioned in the list issued by the Gram Sabha, then he\/she is eligible for assistance of 1.2 Lakhs for houses in the plains and 1.3 Lakhs for houses located in areas that are difficult to access.<\/p>\n\n\n\n<p>PMAY Gramin and PMAY Urban may be two separate schemes, but they serve a common purpose. The primary reason for the bifurcation of the&nbsp;Pradhan Mantri Awas Yojana&nbsp;is to ensure that the two different administrations can pay complete attention and concentrate on their respective regions and the associated duties.<\/p>\n\n\n\n<p>You can visit the Tata Capital website to check your&nbsp;<a href=\"https:\/\/www.tatacapital.com\/home-loan\/pmay-calculator.html\">PMAY eligibility<\/a>&nbsp;or to <a href=\"https:\/\/www.tatacapital.com\/home-loan.html\">apply for a&nbsp;home loan<\/a>. With attractive <a href=\"https:\/\/www.tatacapital.com\/home-loan\/rates-and-charges.html\">home loan interest rates<\/a>, minimal documentation, and years of experience, <a href=\"https:\/\/www.tatacapital.com\/\">Tata Capital<\/a> makes getting a&nbsp;home loan&nbsp;easy and hassle-free.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Differences Between PMAY Urban and PMAY Gramin\u00a0<\/strong><\/h2>\n\n\n\n<p>Understanding the difference between PMAY Urban and Gramin is crucial for identifying which housing scheme applies to you.\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Basis of Difference<\/td><td>PMAY Urban<\/td><td>PMAY Gramin (PMAY-G)<\/td><\/tr><tr><td>Target Area<\/td><td>Cities and urban areas<\/td><td>Rural areas and villages<\/td><\/tr><tr><td>What is the scheme<\/td><td>Provides affordable housing through credit-linked subsidies, in-situ slum redevelopment, and beneficiary-led construction<\/td><td>What is PMAY G scheme: Provides pucca houses with basic amenities to homeless and kutcha house owners<\/td><\/tr><tr><td>Eligibility Criteria<\/td><td>Based on annual household income (EWS, LIG, MIG categories)<\/td><td>PMAY Gramin eligibility: Landless families, SC\/ST households, families with disabled\/female heads, zero-land ownership<\/td><\/tr><tr><td>Financial Assistance<\/td><td>Interest subsidy up to Rs. 2.67 lakh on home loans<\/td><td>PMAY Gramin benefits: Rs. 1.20 lakh (plains), Rs.1.30 lakh (hilly\/difficult areas)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>How to Apply for PMAY Gramin: Step-by-Step Guide<\/p>\n\n\n\n<p>So now that we know what is PMAY, here\u2019s how to apply PMAY Gramin, clearly and step by step. The PMAY-G scheme follows an offline, verification-based process, which is one key difference between PMAY Urban and Gramin.<\/p>\n\n\n\n<p>Step 1: Check PMAY Gramin eligibility: Ensure the household lives in a rural area, does not own a pucca house, and is listed in the SECC 2011 database.<\/p>\n\n\n\n<p>Step 2: Visit the Gram Panchayat: Approach your local Gram Panchayat or village officer to confirm your name in the PMAY Gramin beneficiary list.<\/p>\n\n\n\n<p>Step 3: Field verification: Officials conduct a physical verification of housing conditions and documents.<\/p>\n\n\n\n<p>Step 4: Approval and sanction: Once verified, the application is approved under the PMAY-G scheme.<\/p>\n\n\n\n<p>Step 5: Receive benefits: Funds are released in instalments directly to the bank account, covering major PMAY Gramin benefits like home construction support and basic amenities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Understanding the difference between PMAY Urban and Gramin makes it easier to grasp what is PMAY, assess PMAY Gramin eligibility, and benefit from the PMAY-G scheme. With clear pathways on how to apply PMAY Gramin and well-defined PMAY Gramin benefits, the scheme has played a crucial role in reshaping India\u2019s housing story.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re planning to build or upgrade your home beyond the scheme\u2019s support, a Tata Capital Home Loan can offer flexible financing and competitive interest rates, making your journey to homeownership smoother and more secure. Visit the Tata Capital website to learn more.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.tatacapital.com\/home-loan.html\">Apply For House Loan<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>On June 1, 2015, the Government of India launched its flagship housing project &#8211; the Pradhan Mantri Awas Yojana (PMAY).  <\/p>\n<p><a href=\"https:\/\/www.tatacapital.com\/blog\/home-loan\/difference-between-pmay-gramin-and-pmay-urban\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":12304,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Difference Between PMAY Urban and Gramin: Eligibility, Benefits &amp; More<\/title>\n<meta name=\"description\" content=\"Learn the difference between PMAY Urban and PMAY Gramin. 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