If your PMAY (Pradhan Mantri Awas Yojana) application shows “Under Scrutiny” or has been Rejected, you’re not alone. A major share of PMAY applications get delayed or rejected due to Aadhaar issues, income mismatch, missing documents, incorrect beneficiary category, or bank-level verification errors.

This detailed guide explains what these statuses really mean, the exact problems behind them, how to fix each issue, and the fastest way to get your PMAY application approved or re-submitted correctly.

Step-by-Step Instructions

1. Open the official PMAY – CLSS / beneficiary status portal. Use the correct link based on whether you applied directly or through a bank.
2. Enter your Aadhaar number or Assessment ID. Double-check digits — wrong input often shows dry or blank status.
3. Check the current status label carefully. “Under Scrutiny”, “Pending Bank Verification”, “Rejected”, or “Waiting for Survey” each mean different steps.
4. Click to view additional remarks (if shown). Some status pages include notes like “Income mismatch” or “Document not uploaded”.
5. Match your current status with the guide sections below. This tells you the exact next step to fix the issue.

Required Documents

• Aadhaar card (self and spouse)
• Income proof (salary slip / self-declaration / income certificate)
• Proof of residence
• Bank account passbook
• Property documents (if purchasing/constructing)
• Sanction letter from bank (for CLSS applicants)
• PMAY Assessment ID or application slip

Fees (If Applicable)

PMAY beneficiary registration and status tracking are completely free. Banks may charge a small processing fee for home loan evaluation depending on the branch, but this is separate from PMAY.

Status Meaning Explained

• Under Scrutiny: Your documents are being manually verified by the municipal body or bank; no decision made yet.
• Pending for Aadhaar Validation: Your Aadhaar details did not match the PMAY database or need manual approval.
• Pending Bank Verification: Bank has not uploaded property or loan details yet.
• Rejected: Your application did not meet eligibility criteria or had document mismatches.
• Waiting for Survey: The local authority has not visited your residence yet.
• Approved: Your PMAY application has passed all stages and is awaiting subsidy credit.

Common Reasons for Delays

• Aadhaar name / DOB mismatch with PMAY database
• Annual household income exceeding the selected category (EWS/LIG/MIG)
• Spouse or family member already availed PMAY benefit
• Missing documents or incomplete attachments
• Bank not uploading required loan/property details
• Municipal field survey pending for months
• DUPLICATE application detected

Solutions for Each Problem

• Fix Aadhaar mismatch: Update Aadhaar details if incorrect. Once corrected, request re-verification through your bank or local PMAY office.
• Correct income category: If you applied under the wrong category (EWS/LIG/MIG), banks can re-classify your category after taking fresh income proof.
• Upload missing documents: Banks can reopen your loan file and re-upload missing PDFs (income proof, KYC, property papers).
• If survey is pending: Visit your municipal office and request a priority field visit. Carry Aadhaar and application slip.
• For bank delays: Meet the branch manager — only they can push the CLSS upload process.
• For rejected cases: Request the exact rejection reason in writing, then re-apply with corrected category or documents.

Offline Alternatives

If online verification or status correction doesn’t work, visit one of the following:

• Municipal Corporation / Nagar Nigam PMAY desk – for survey issues, Aadhaar validation errors, household verification.
• Your Home Loan Bank Branch – for CLSS uploading delays, property verification, income corrections.
• District Urban Development Authority (DUDA) – handles field verification and household eligibility approval.

Carry all original documents and photocopies for fastest resolution.

How to Escalate Complaints

• Bank Nodal Officer: Ask for the PMAY/CLSS Nodal Officer contact at your bank.
• State Level Nodal Agency (SLNA): Each state has a PMAY grievance cell — visit the Urban Development website for contact.
• Central PMAY Helpline: 1800-11-6446
• CPGRAMS Grievance Portal: For unresolved PMAY delays beyond 60 days.
• Write to HUDCO/NHB: They handle subsidy credit for CLSS category.

Frequently Asked Questions

1. How long does PMAY verification take?
   Normally 15–45 days. For CLSS, subsidy approval may take 60–120 days.
2. Why does it show “Under Scrutiny” for months?
   Field verification or income validation is pending — visit your municipal body.
3. Can I reapply after rejection?
   Yes. Fix the reason (Aadhaar mismatch, wrong income category, incomplete KYC) and apply again.
4. Why is my CLSS subsidy delayed?
   Bank hasn't uploaded loan details or NHB/HUDCO is still processing the claim.
5. What if survey officers never visited?
   Go to the PMAY desk at your municipal office and request a priority survey.
6. Does PMAY check past home ownership?
   Yes — if any family member owns a pucca house, eligibility is affected.
7. What happens if Aadhaar is not linked to mobile?
   E-KYC fails; update Aadhaar mobile first.
8. Is income certificate mandatory?
   EWS/LIG categories often require income certificate or self-declaration depending on state rules.
9. Can PMAY subsidy be credited without approval?
   No. Approval + bank upload + slna clearance are mandatory steps.
10. Why did the bank mark my file as “Rejected”?
    Income mismatch, property not eligible, incomplete KYC, or wrong category selection.