EMD refund housing board

Last Verified: March 2026 | Next Review: June 2026 PM Awas Yojana (PMAY) provides central housing subsidies, while State Housing Boards sell built flats via lottery. Applying for PMAY is mostly free, but State Boards require an Earnest Money Deposit (₹10,000+). Waiting lists depend strictly on budget availability and computerized randomization. You can track PMAY…