Pradhan Mantri Awas Yojana (PMAY) and State Home Subsidy Schemes in Andhra Pradesh & Telangana – free housing sceme 2025

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:

  1. Visit https://pmaymis.gov.in
  2. Click on “Citizen Assessment”
  3. Select applicable category (e.g., Slum Dwellers, Others)
  4. Enter Aadhaar number
  5. Fill out the form with personal and income details
  6. 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:

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.


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)

 Andhra Pradesh home – AP Housing Board


🏡 Telangana apply – 2BHK Double Bedroom Scheme

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.

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