Latest Answer: To avail the benefits of Pradhan Mantri Awas Yojana (PMAY), you must fulfill the eligibility criteria as per the scheme guidelines. One of the key eligibility criteria is that you should not own a pucca house in your name or in the name of any member of your family. If you have already registered and taken possession of a flat, it is assumed that you have become the owner of the house, and thus may not be eligible for the PMAY scheme. However, if you had booked the flat on or before the launch of the PMAY scheme and fulfill all other eligibility criteria, you may still be eligible to apply for the scheme. Therefore, it is recommended that you consult with the PMAY officials or your lender for specific details regarding your eligibility for the scheme. They will be able to provide you with the most accurate information and help you with the process.