Eligibility requirements under Pradhan Mantri Awas Yojana specify annual family income as one of the criteria to be fulfilled. It does not specify employment as a requirement. Thus, small business owners with annual income within the stated limit can opt for a home loan under this scheme.
The annual family income limit for various economic sections include:
Up to Rs. 3 lakh for the EWS category
Under Rs. 6 lakh for LIG beneficiaries
Between Rs. 6 lakh and Rs. 12 lakh for MIG-I category
Between Rs. 12 lakh and Rs. 18 lakh for MIG-II beneficiaries