PMAY Subsidy Calculator
PMAY's credit-linked subsidy works by crediting the present value of an interest subsidy to your loan. This estimates that value from the eligible loan amount, the subsidy rate and the tenure. Set the numbers yourself — the presets are illustrative, not the current official slabs.
Only a capped portion of the loan qualifies — enter that portion.
Present value credited up front, from an annual subsidy of about Rs 39,000.
Illustrative only — not the official calculator. PMAY has run in phases with different income slabs, eligible-amount caps, subsidy rates and open/close windows, and eligibility conditions (first home, no pucca house, area caps, woman ownership) apply. Do not treat any figure here as your entitlement — check current eligibility and the exact subsidy on the official PMAY portal or with your lender.
Related Guides — Deep-dive reading
PMAY Home Loan Subsidy Explained: Credit-Linked Help for First-Home Buyers (2026)
A plain-language look at how the Pradhan Mantri Awas Yojana interest subsidy works on a home loan, who the income categories are meant for, and why you must confirm the current rules on the official portal or with your lender.
Home FinanceHome Loan Affordability in India — 2026 Guide
FOIR, LTV, EMI, Tax Benefits, Bank Comparisons & How Much House You Can Actually Buy
ConstructionHome Loan Eligibility Explained: How Much Loan Can You Get in India (2026)
A plain-language explainer of home loan eligibility in India - how income and the FOIR or EMI-to-income rule, your age and tenure, credit score, existing debts, employment type, a co-applicant, property value and LTV all decide how much a lender will sanction - with an indicative illustration table and ways to improve your number.
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