How to Check Pradhan Mantri Awas Yojana Status Online - Kotak Bank
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17 MAY, 2021

Launched in the year 2015, the Pradhan Mantri Awas Yojana (PMAY) is nothing less than a blessing for individuals looking to purchase their own house. The PMAY scheme intends to provide affordable houses to approximately 2 crore individuals by 2022. In order to encourage a greater number of people to avail the benefits of PMAY scheme, the government has announced various subsidies on the interest rate on housing loan. This not only decreases the overall cost of borrowing but also reduces the repayment burden of the home loan for the borrower.

People belonging to the following income groups can avail the benefits of the PMAY scheme:

  • Economically Weaker Section (EWS)
  • Low Income Group (LIG)
  • Middle Income Group 1 (MIG-1)
  • Middle Income Group 2 (MIG-2)

The table below denotes the annual income of eligible beneficiaries, interest rate subsidy, and maximum loan amount that can be availed by them:






Annual income

Rs 3 Lakhs

Between Rs 3 Lakhs and Rs 6 Lakhs

Between Rs 6 Lakhs and Rs 12 Lakhs

Between Rs 12 Lakhs and Rs 18 Lakhs

Interest rate subsidy





Maximum loan amount

Rs 6 Lakhs

Rs 6 Lakhs

Rs 9 Lakhs

Rs 12 Lakhs


Individuals who already have a house registered under their name, or under the name of any family member won’t be eligible for the PMAY scheme. Additionally, if any family member of the applicant has already availed central assistance from the Government under any housing scheme, their PMAY application will be rejected.

Therefore, it is advisable to check the PMAY scheme eligibility beforehand to avoid the chances of claim rejection.

Once you have determined your eligibility, you can easily apply for the PMAY scheme on the official PMAY website by filling the online application form and submitting the required documents. Make sure that you have all the essential documents such as ID proof, address proof, bank account statement, income certificate, etc. readily available with you to avoid any inconvenience.

Once you have successfully applied for PMAY scheme, you can check your PMAY status online by following the below-mentioned steps:

Steps to Check PMAY Status Online

Step 1: Visit the official website of PMAY.

Step 2: On visiting the official PMAY website, you must select one of the two options through which you would like to track your PMAY application status. Both the options are mentioned below:

Option 1: Track PMAY Application Status - By Name, Mobile Number and Father’s Name

If you select Option 1, then you must enter all the necessary details such as your name, father’s name, state, district, city, and mobile number. On providing all the required information, your PMAY application status will be displayed.

Option 2: Track PMAY Application Status – By Using Assessment ID

In case you select Option 2, you will be required to enter your Assessment ID and Mobile number. Post this, you will be directed to a page wherein your PMAY application will be displayed.

Now that you are well aware of the benefits of PMAY scheme, its application process and how to check the PMAY status online, ensure to make the most of this valuable scheme to purchase that dream house. In case of any query while availing a home loan under the PMAY scheme, do not hesitate to seek the help of a financial expert to avoid any inconvenience in the later stages.

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Disclaimer: This Article is for information purpose only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank make no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.