How to Use the PM Awas Yojana Subsidy Calculator

This calculator helps you estimate how much subsidy you can get under the Pradhan Mantri Awas Yojana and how it reduces your EMI.

Step-by-step guide:

• 1. Select Category (Optional)
  You can choose:
  • Auto (based on income)
  • EWS / LIG / MIG-I / MIG-II
    If you select manually, income field will be disabled.
• 2. Enter Annual Family Income (₹)
  Fill your yearly income (only needed if Auto is selected).
• 3. Enter Loan Amount (₹)
  Add the home loan amount you plan to take.
• 4. Enter Carpet Area (sq.m)
  Provide the size of your house (used for eligibility).
• 5. Enter Loan Tenure (Years)
  Example: 20 years.
• 6. Enter Interest Rate (%)
  Use your bank’s home loan interest rate (e.g., 8.5%).
• 7. Click on “Calculate”

What Results You Will Get

After clicking calculate, the tool will show:

• ✔ Your category (EWS / LIG / MIG)
• ✔ Eligible loan amount for subsidy
• ✔ Total subsidy amount
• ✔ Effective loan after subsidy
• ✔ EMI before subsidy
• ✔ EMI after subsidy
• ✔ Monthly savings

Here is an Example:

• Income: ₹6,00,000
• Loan: ₹8,00,000
• Tenure: 20 years

The calculator will:

• Identify your category
• Apply subsidy
• Show reduced EMI and savings

Important Note

• This tool provides estimated results
• Actual subsidy depends on:
  • Bank approval
  • Government rules
  • Final eligibility

Related: PM Awas Yojana 2 0 Urban Apply Online Status Check