To ensure the benefits reach the most deserving families, the PMAY 2026 guidelines follow a strict eligibility framework.
1. Who Can Apply? (Eligibility Criteria)
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Home Ownership: The applicant or any member of their family must not own a pucca house in any part of India.
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Family Definition: A family comprises a husband, wife, and unmarried children.
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Income Slabs (Urban):
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EWS (Economically Weaker Section): Annual income up to ₹3 Lakh.
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LIG (Low Income Group): Annual income between ₹3 Lakh – ₹6 Lakh.
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MIG (Middle Income Group): Annual income between ₹6 Lakh – ₹18 Lakh.
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Social Category: Priority is given to SC, ST, OBC, Minorities, Women, and Persons with Disabilities.
2. Required Documents Checklist
Before starting the online application, ensure you have the following digital copies ready:
| Document Type | Details Required |
| Proof of Identity | Aadhaar Card (Mandatory), Voter ID, or PAN Card. |
| Address Proof | Current address proof (Electricity bill, Water bill, or Rent agreement). |
| Income Proof | Salary slips, Form 16, or Income Certificate issued by the Tehsildar/Local Authority. |
| Bank Details | Bank Passbook or Cancelled Cheque (for Direct Benefit Transfer). |
| Affidavit | A self-declaration stating the applicant does not own a pucca house. |
| Category Certificate | Caste certificate for SC/ST/OBC applicants (if applicable). |