Pradhan Mantri Awas Yojana Gramin

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) is a flagship housing scheme launched by the Government of India to provide “Housing for All” in rural areas. The initiative aims to replace the Indira Awas Yojana with improved guidelines and better implementation mechanisms. By offering financial support to the economically weaker sections in rural India, the Pradhan Mantri Awas Yojana Rural ensures the construction of pucca houses with essential amenities. This scheme reflects the government’s mission to uplift rural populations by 2024.

Table of Contents:

• ⇾ About Pradhan Mantri Awas Yojana Gramin
• ⇾ PM Gramin Awas Yojana Highlights
• ⇾ Pradhan Mantri Awas Yojana Gramin Eligibility
• ⇾ Pradhan Mantri Awas Yojana Gramin Apply Online
• ⇾ PM Awas Yojana Gramin Verification Process
• ⇾ Documents Required for PM Gramin Awas Yojana
• ⇾ Check the PM Awas Gramin Beneficiary List
• ⇾ Check PM Awas Gramin Beneficiary Status
• ⇾ Benefits of PM Awas Yojana Gramin
• ⇾ PM Awas Yojana Gramin Helpline Numbers
• ⇾ PMAY Gramin Progress
• ⇾ Frequently Asked Questions

About Pradhan Mantri Awas Yojana Gramin

Pradhan Mantri Awas Yojana (PMAY) is a housing scheme by the Government of India that aims to provide affordable housing for all by 2024. It includes two major components: PMAY-Urban (PMAY-U) for urban areas and PMAY-Gramin (PMAY-G) for rural households, each offering financial support to eligible beneficiaries for building pucca homes with basic facilities.

Introduced in April 2016 under the Ministry of Rural Development, the Pradhan Mantri Gramin Awas Yojana is designed to address the housing gap in India’s rural regions. The beneficiaries are selected based on the Socio-Economic and Caste Census (SECC) 2011 data, verified by the Gram Sabha. Under the scheme, priority is given to those without housing or living in dilapidated structures. The Awas Yojana Gramin ensures that every eligible rural household receives the support needed to construct safe and sustainable homes.

PM Gramin Awas Yojana Highlights

The following table summarizes the most important features and support provided under the Pradhan Mantri Awas Yojana Gramin (PMAY-G) scheme, helping rural families gain access to safe and permanent housing.

Pradhan Mantri Awas Yojana Gramin Eligibility

To ensure that the support provided under Pradhan Mantri Awas Yojana Gramin (PMAY-G) reaches the most deserving families, the government has defined clear eligibility rules. These rules prioritize the poorest and most vulnerable sections of society, while excluding relatively well-off households.

Criteria to Prioritize Beneficiaries for PM Gramin Awas

The list of eligible beneficiaries is prepared from the SECC 2011 data, focusing on households living in zero, one, or two-room kutcha houses or those without any shelter. Final selection is verified and approved by the Gram Sabha.

1. Compulsory or Automatic Inclusion

These households get first preference:

• Households without shelter
• Destitute or those living on alms
• Manual scavengers
• Primitive Tribal Groups
• Legally released bonded laborers
2. Multilayered Prioritization Within Eligible Groups

After compulsory inclusion, the remaining eligible households are prioritized based on:

• Social categories: SC, ST, Minorities, and Others
• Housing condition: houseless, followed by those living in 0, 1, or 2-room kutcha houses (in that order)
3. Deprivation-Based Scoring Criteria

Within each group, priority is assigned based on a deprivation score. Each of the following factors carries equal weight:

• No adult member between the ages of 16–59
• Female-headed households with no adult male member aged 16–59
• No literate adult above 25 years
• Households with a disabled member and no able-bodied adult
• Landless families depend on manual wage labor.

Higher scores indicate greater deprivation and result in a higher ranking within the priority list.

4. Earmarking of Targets

To ensure fair representation:

• SC/ST households: 60% of the state/UT target (can be adjusted based on availability)
• Minorities: 15% of national-level funds allocated proportionate to state-level rural population (based on Census 2011)
• Persons with Disabilities (PwDs): States are advised to reserve at least 3% of beneficiaries for households with disabled members and no able-bodied adults.

Tie-Breaking Criteria

If multiple households have the same deprivation score, preference is given based on the following:

• Households of widows and next-of-kin of defense, police, or paramilitary forces killed in action
• Households with members suffering from leprosy, cancer, or HIV
• Households with a single girl child
• Families covered under the Forest Rights Act, 2006
• Transgender persons

Criteria for Exclusion from PMAY Gramin Scheme

Not every rural household qualifies under PMAY-G. To maintain fairness and prevent misuse, certain exclusion criteria are strictly applied.

Step 1: Pucca House Exclusion: Households living in pucca houses or with more than 2 rooms with pucca walls or roofs are automatically excluded.

Step 2: Automatic Exclusion Criteria: Households that meet any one of the following 13 conditions are not eligible:

1. Own a motorized vehicle or a fishing boat
2. Have mechanized farm equipment
3. Possess a Kisan Credit Card with a ₹50,000+ limit
4. Any family member is a government employee
5. Own a non-agricultural business registered with the government
6. The monthly income of any member exceeds ₹10,000
7. Pay income tax
8. Pay professional tax
9. Own a refrigerator
10. Own a landline phone
11. Own 2.5+ acres of irrigated land with irrigation equipment
12. Own 5+ acres of irrigated land used for two or more crops
13. Own 7.5+ acres of land with at least one irrigation system

These rules ensure that Pradhan Mantri Awas Yojana Gramin reaches those most in need of housing support and maintains transparency in beneficiary selection.

Pradhan Mantri Awas Yojana Gramin Apply Online

Eligible rural households can register and apply for the Pradhan Mantri Awas Yojana Gramin (PMAY-G) scheme online. The process is simple, structured, and uses Aadhaar-based verification to ensure transparency.

However, there is no direct application process for PMAY-G. Beneficiaries are automatically selected from the SECC 2011 data and verified by the Gram Sabha; only those listed are eligible to receive assistance under the scheme.

Follow the steps below to register online as a beneficiary:

1. Visit the PMAY-G Official Website.
2. Enter Personal Details such as: Gender, Mobile number, and Aadhaar number
3. Upload Aadhaar Consent Form. This form is required to verify and use your Aadhaar information legally.
4. Use your Aadhaar number or PMAY ID to search for your name, priority, and beneficiary status.
5. If your name appears, click on "Select to Register" to proceed.
6. Once selected, your basic details will be automatically filled in by the system.
7. Complete fields such as Relationship details, Type of ownership, and Re-confirm Aadhaar and personal info.
8. Re-upload Aadhaar Consent (if required). This is needed when applying on behalf of someone else (e.g., a family member).
9. Add Bank Account Details such as the Beneficiary’s name (as in bank), Bank name and branch, Account number, and IFSC code.
10. If the beneficiary wants to apply for a loan, select "Yes" and enter the loan amount (up to ₹70,000).
11. Fill in: MGNREGA Job Card Number and Swachh Bharat Mission (SBM) ID (if available)
12. The last part of the application will be completed and validated by local government officials or the authorized PMAY-G office.

Note: The Government of India has extended the application deadline for Pradhan Mantri Awas Yojana Gramin until 30 December 2025. Eligible beneficiaries are advised to complete their registration before this date.

Pradhan Mantri Awas Yojana Gramin Apply Offline

If you prefer not to apply online, the Pradhan Mantri Awas Yojana (PMAY) also offers an easy offline application process through government centers and partner banks. Here's how you can apply:

1. Visit a nearby Common Service Centre (CSC) or a bank that supports the Pradhan Mantri Awas Yojana (PMAY).
2. Ask for the PMAY application form.
3. Fill out the form with your personal and housing details.
4. Attach copies of ID proof, income proof, and address proof.
5. Submit the completed form and documents.
6. A small service fee may be charged at CSCs.

PM Awas Yojana Gramin Verification Process

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) follows a well-defined and transparent process to verify registered beneficiaries before providing housing assistance. This ensures that support reaches only the most deserving families in rural areas.

The verification process includes:

1. Document Verification: Authorities review all submitted documents, including:
2. Field Verification: Local government officials or survey teams visit the applicant’s residence. They verify the type and condition of the house (houseless/kutcha), Living standards, and infrastructure, and Cross-reference details with SECC 2011 data
3. Verification of Deprivation Score: The deprivation score helps prioritize households based on vulnerability.
4. Gram Sabha Review and Approval: The Gram Sabha meets annually to finalize and publicly approve the list of eligible beneficiaries. This community-based process ensures transparency and fairness in selection.
5. Final Approval and Sanction: Once all verifications are complete, the applicant receives a sanction order. The approved financial assistance is directly transferred to the applicant’s Aadhaar-linked bank or post office account.

Documents Required for PM Gramin Awas Yojana

To apply for the Pradhan Mantri Awas Yojana Gramin (PMAY-G), applicants need to submit the following documents during registration:

1. Aadhaar Card: Aadhaar number and a self-attested copy of the Aadhaar Card. If the applicant is illiterate, a consent letter with a thumbprint must be provided.
2. Job Card: Duly registered under MGNREGA (Mahatma Gandhi National Rural Employment Guarantee Act).
3. Bank Account Details: Both originals and duplicates of the bank passbook or bank account documents.
4. Swachh Bharat Mission (SBM) Number: Required if the household has received sanitation support under SBM.
5. Affidavit: A declaration stating that the applicant or their family does not own a pucca house.

Check PM Awas Gramin Beneficiary List

If you don’t have a registration number, you can still check the PMAY-G rural beneficiary list by following these steps:

1. Visit the official PMAYG portal - http://pmayg.nic.in
2. Click on ‘AwaasSoft’ and select ‘Report’ from the top menu.


3. On the new page, go to Social Audit Reports (H) and click "Beneficiary details for verification".


4. The MIS Report page will open. Select your State, District, Block, and Village. Choose “Pradhan Mantri Awaas Yojana” under the scheme section.
5. Enter the captcha code and click Submit.


6. The list of beneficiaries from your village will be displayed, showing: Names, house status, and allotment progress. You can print the list if needed.

Check PM Awas Gramin Beneficiary Status

If you have applied for Pradhan Mantri Awas Yojana Gramin (PMAY-G) and want to check your application or beneficiary status, follow these simple steps:

Steps to Check Status with Registration Number:

1. Visit the official PM Awas Yojana Rural Portal - http://pmayg.nic.in
2. Click on "Stakeholders" in the top menu. From the dropdown, select "IAY/PMAYG Beneficiary".


3. On the new page, enter your registration number and Captcha.


4. Click “Submit” to view your beneficiary details.

Benefits of PM Awas Yojana Gramin

The Pradhan Mantri Awas Yojana Gramin offers several financial and support benefits to eligible rural households:

• Loan Facility: Beneficiaries can avail loans of up to ₹70,000 from approved financial institutions to build permanent houses.
• Interest Subsidy: Loans under PMAY-G offer a 3% lower interest rate compared to regular, non-subsidized loans.
• Subsidy Cap: The maximum principal amount eligible for subsidy is ₹2 lakh.
• Convergence Benefits: Beneficiaries receive additional support, like LPG connections under the Ujjwala Yojana and other essential facilities.
• Higher Assistance in Difficult Areas: Households building homes in hilly or difficult terrains are eligible for enhanced financial assistance.

PM Awas Yojana Gramin Helpline Numbers

If you need technical assistance related to PMAY-G or PFMS, you can contact the support team using the official email addresses below:

PMAY Gramin Progress

Pradhan Mantri Awas Yojana Gramin (PMAY-G) is making significant strides across India to provide pucca houses to eligible rural families. The scheme has recorded strong progress in terms of registration, sanctioning, and construction of houses across all states and union territories.

National-Level Progress Overview

Statewise Beneficiary Count (All Categories)

Total Beneficiaries Across India: 4,14,68,951