Pradhan Mantri Awas Yojana (PMAY) and State Home Subsidy Schemes in Andhra Pradesh & Telangana free housing sceme
India’s growing population and urban migration have created a pressing demand for affordable housing. To address this, the Central Government launched the Pradhan Mantri Awas Yojana (PMAY). Alongside, state governments like Andhra Pradesh (AP) and Telangana (TS) have introduced region-specific housing subsidy schemes. This article explains how these schemes work, who is eligible, and how to apply in 2025.
2. Overview of PMAY
Launched in 2015, Pradhan Mantri Awas Yojana (Urban) aims to provide “Housing for All” by 2022, but the scheme has been extended through 2025 for certain components. PMAY provides financial assistance to eligible beneficiaries to purchase, construct, or enhance their homes.
3. PMAY: Key Components
PMAY has two parts:
- PMAY-U (Urban)
- PMAY-G (Gramin or rural areas)
Key components include:
- Credit-Linked Subsidy Scheme (CLSS)
- In-situ slum redevelopment
- Affordable housing in partnership
- Beneficiary-led individual house construction/enhancement
4. Eligibility Criteria
To apply for PMAY or state schemes, the following general conditions must be met:
- Family should not own a pucca house.
- Applicant must belong to one of these income categories:
- EWS (up to ₹3 lakh)
- LIG (₹3–6 lakh)
- MIG-I (₹6–12 lakh)
- MIG-II (₹12–18 lakh)
- Women ownership is encouraged (mandatory for some categories).
- Applicant should not have availed of any other housing scheme benefit.
5. Benefits and Subsidy Details
PMAY Subsidy Rates:
| Category | Income Range | Subsidy (%) | Max Subsidy | Loan Limit |
|---|---|---|---|---|
| EWS | Up to ₹3L | 6.5% | ₹2.67L | ₹6L |
| LIG | ₹3L–₹6L | 6.5% | ₹2.67L | ₹6L |
| MIG-I | ₹6L–₹12L | 4% | ₹2.35L | ₹9L |
| MIG-II | ₹12L–₹18L | 3% | ₹2.30L | ₹12L |
6. How to Apply for PMAY
Steps:
- Visit https://pmaymis.gov.in
- Click on “Citizen Assessment”
- Select applicable category (e.g., Slum Dwellers, Others)
- Enter Aadhaar number
- Fill out the form with personal and income details
- Submit and note your Application ID
You can track your status anytime on the same portal.
7. Andhra Pradesh Housing Schemes
The Andhra Pradesh Government has aggressively promoted housing under schemes like:
- Navaratnalu – Pedalandariki Illu (Housing for the Poor)
- YSR Jagananna Colonies
- AP Housing Board Projects
Under these schemes, free house sites and construction grants are offered, targeting low-income and below-poverty-line families.
8. Key Features of AP Housing Scheme 2025
- Each house costs ₹1.8 lakh to ₹2 lakh
- Houses built under PMAY-G and PMAY-U tie-up
- Construction in phases (1st phase in 2023–24, 2nd in 2024–25)
- Cement, sand, and materials provided at subsidized rates
- Fully sanctioned by the AP Housing Board
- e-KYC, biometric verification mandatory for allocation
Eligibility:
- White Ration Card holders
- Below Poverty Line families
- Women-headed households, SC/ST/OBC prioritization
9. Telangana 2BHK Housing Scheme
The Telangana Government runs a major affordable housing initiative known as the Double Bedroom Housing Scheme (2BHK Scheme).
Objectives:
- Provide a dignified home for the poor
- 100% cost-free (beneficiary pays nothing)
- No bank loan involved
10. Key Features of Telangana Subsidy Scheme
| Feature | Details |
|---|---|
| House Size | 560–600 sq. ft |
| Cost | ₹5.5 – ₹6 lakh (Govt. funded) |
| Ownership | In woman’s name (mandatory) |
| Location | GHMC limits, urban/rural areas |
| Funding | 100% by State Government |
| Allotment | Through online lottery draw |
Construction Quality: RCC framed structures with modern amenities.
11. Comparison: PMAY vs. State Schemes
| Feature | PMAY | AP Housing | TS 2BHK Scheme |
|---|---|---|---|
| Subsidy Type | Interest on loan | Free site + grant | Free home |
| Ownership Requirement | Optional female | Female encouraged | Mandatory female |
| Loan Needed | Yes | Optional | No |
| Eligibility | National | State-specific | State-specific |
| Coverage | Pan-India | AP only | Telangana only |
12. Documents Required
- Aadhaar card
- Income certificate
- Caste certificate (if applicable)
- Voter ID
- Ration card
- Passport-size photo
- Bank account details
- Mobile number
13. Application Process for State Schemes
Andhra Pradesh:
- Visit https://aphousing.apcfss.in/
- Select “Apply for Housing Scheme”
- Upload necessary documents
- Verify details via OTP
Telangana:
- Beneficiaries are selected by District Collector
- No direct application portal
- Submit details to local Gram Panchayat/Municipal office
- Lottery system used for allotment
14. Monitoring and Updates
Both PMAY and state housing schemes can be tracked online.
- PMAY: https://pmaymis.gov.in
- AP Housing: https://aphousing.apcfss.in
- TS Housing: https://2bhk.telangana.gov.in
15. Frequently Asked Questions
Q1. Can I apply for both PMAY and a state scheme?
A: No. If you receive benefits under one scheme, you’re ineligible for the other.
Q2. How long does it take for PMAY subsidy to reflect?
A: Usually 3–6 months after loan disbursal.
Q3. Are private employees eligible?
A: Yes, if income and other conditions match.
Q4. Is Aadhaar mandatory?
A: Yes, for identification and verification.
Q5. What happens if application is rejected?
A: You can re-apply with corrected documents or wait for next phase.
Central Government – PMAY (Pradhan Mantri Awas Yojana)
- Official Website: https://pmaymis.gov.in/
- Apply Online (Citizen Assessment): https://pmaymis.gov.in/Open/Check_Aadhar_Existence.aspx
- CLSS Subsidy Calculator: https://pmayuclap.gov.in/CLSS_Calculator
- Track Application Status: https://pmaymis.gov.in/Track_Application_Status.aspx
Andhra Pradesh home – AP Housing Board
- Official Portal: https://aphousing.apcfss.in/
- Application Form Login: https://aphousing.apcfss.in/login.do
- Beneficiary Search (AP Housing): https://housing.ap.gov.in/search
- Jagananna Colonies Info: https://housing.ap.gov.in/jagananna-colonies
🏡 Telangana apply – 2BHK Double Bedroom Scheme
- Official Website: https://2bhk.telangana.gov.in/
- GHMC Housing Updates: https://www.ghmc.gov.in/
- TS Housing Corporation (Old): http://tshousing.cgg.gov.in/
In 2025, the combination of PMAY and state-specific housing schemes in Andhra Pradesh and Telangana offers a strong opportunity for economically weaker sections to own a home. PMAY provides interest subsidies to encourage homeownership, while AP and TS go a step further with free housing construction and land grants. Citizens should keep an eye on official websites, submit complete documentation, and use the benefits offered for a better living standard.