Pradhan Mantri Awas Yojana (
PMAY) is a credit-linked subsidy scheme by the Government of India to facilitate access to affordable housing for the low and moderate-income residents of the country. It envisaged a target of building 2 crore (20 million) affordable houses by 31 March 2022. It has two components:
Pradhan Mantri Awas Yojana (Urban) (
PMAY-U) for the urban poor and Pradhan Mantri Awaas Yojana (Gramin) (
PMAY-G and also
PMAY-R) for the rural poor, the former administered by Ministry of Housing and Urban Affairs and the latter by Ministry of Rural Development. This scheme converges with other schemes to ensure that houses have a toilet, Saubhagya Scheme for universal electricity connection, Ujjwala Yojana LPG connection, access to drinking water and Jan Dhan banking facilities, etc.