Pradhan Mantri Gramin Awaas Yojana (PMAY-G) is a flagship rural housing scheme launched in April 2016 to support the Government of India’s vision of “Housing for All” in rural areas. The scheme focuses on providing safe, permanent homes with basic amenities and financial compensation for up to ₹1,30,000 to houseless families and those living in kutcha or dilapidated houses. This article explains PMAY-G in detail, including eligibility criteria, benefits, financial assistance, implementation framework, progress so far, and how beneficiaries can apply or check their application status.
.webp)
Launched on 1st April 2016, PMAY-G is the Centre’s flagship mission implemented by the Ministry of Rural Development (MoRD) to address rural housing shortages in India. The scheme aims to provide pucca houses of a minimum 25 square meter area, including space for hygienic cooking, to eligible rural households identified through SECC data and Gram Sabha verification.
Financial assistance is directly transferred to the beneficiary’s Aadhaar-linked bank or post office account. As of 27 September 2022, 2 crore houses have been completed against a target of 2.72 crore, and the scheme has been extended from April 2024 to March 2029 to continue progress towards Housing for All. The scheme has been extended till 2028–29 with the approval to construct 2 crore additional houses for eligible rural households.
The primary mission remains the elimination of rural housing shortages by providing safe, durable, and dignified pucca houses. Under the latest phase approved in August 2024, the government has shifted focus toward saturating the remaining eligible rural population and addressing the needs of particularly vulnerable groups.
The scheme continues to target households that are houseless or living in kutcha/dilapidated structures. A major new pillar is the PM-JANMAN (Pradhan Mantri Janjati Adivasi Nyaya Maha Abhiyan), which specifically fast-tracks pucca houses for Particularly Vulnerable Tribal Groups (PVTGs).
As of mid-2024, the cumulative target of 2.95 crore houses from the previous phases is near completion (with over 2.6 crore houses already built).
The Union Cabinet has approved the construction of an additional 2 crore houses over the next five years (up to March 2029) to accommodate the growth in eligible rural households.
The total outlay for this new phase is approximately ₹3.06 lakh crore, with the central share significantly increased to meet the 2-crore target.
The minimum house size remains 25 sq m, including a hygienic cooking space.
There is an increased emphasis on disaster-resilient designs, with region-specific prototypes (AwaasPlus) tailored to local climates (e.g., flood-resistant or earthquake-resistant structures).
Access to basic amenities is no longer just "encouraged" but is being monitored for 100% saturation.
Convergence Partners Includes Swachh Bharat Mission (Toilets), Saubhagya/Deen Dayal Upadhyaya Gram Jyoti Yojana (Electricity), Pradhan Mantri Ujjwala Yojana (LPG), and the Jal Jeevan Mission (Piped water tap connections).
The entire process—from selection to the release of instalments—is tracked via these mobile apps to ensure transparency and prevent leakage.
Every stage of construction is geo-tagged to ensure funds are only released upon verified progress.
Continuous focus on training local masons (including women masons) to boost local employment and ensure structural integrity.
A significant portion of current funding (2024–25) is being diverted to the PM-JANMAN sub-scheme to ensure that even the most remote tribal settlements receive housing and basic infrastructure simultaneously.
Beneficiary selection for PMAY-G is a multi-layered process that combines digital data with community validation to ensure that "Housing for All" reaches the most vulnerable rural citizens.
To qualify for PMAY-G, a household must meet the following primary conditions:
Must be houseless or living in kutcha (temporary) or dilapidated houses with zero, one, or two rooms.
The beneficiary family must not own a pucca (permanent) house anywhere in the country.
Must be a permanent resident of the rural area where the application is made.
Under the new "PMAY-G 2.0" phase, the government has simplified the exclusion rules (reduced from 13 to 10 parameters) to be more inclusive. A household is EXCLUDED if it possesses any of the following:
Motorised three or four-wheelers (Note: Two-wheelers and fishing boats are now removed from the exclusion list).
Mechanised three or four-wheeler agricultural equipment.
A Kisan Credit Card (KCC) with a limit of ₹50,000 or more.
Any family member earning more than ₹15,000 per month (increased from the previous ₹10,000 limit).
Any member paying Income Tax or Professional Tax.
Any member serving as a Government employee.
Owning 2.5 acres or more of irrigated land or 5 acres or more of unirrigated land.
Households with non-agricultural enterprises registered with the Government.
The selection is not through direct application but via a rigorous verification flow:
| Step | Action | Description |
|---|---|---|
| 1. Data Source | SECC 2011 & Awaas+ | Initial names are drawn from the Socio-Economic Caste Census (2011) and the updated Awaas+ (2024) survey list. |
| 2. Prioritisation | Deprivation Score | Households are ranked based on "Housing Deprivation" (e.g., households headed by females, landless labourers, or those with disabled members). |
| 3. Validation | Gram Sabha | The preliminary list is presented to the Gram Sabha (village assembly) for public verification and to remove ineligible names. |
| 4. Verification | Geo-Tagging | Physical verification of the existing "kutcha" house is done via the AwaasApp, which captures time-stamped and geo-tagged photos. |
| 5. Final List | AwaasSoft | The finalised list is uploaded to the central portal, and a Permanent Wait List (PWL) is generated. |
Special priority is given to the following categories within the eligible pool:
SC/ST households and freed bonded labourers.
PM-JANMAN specifically targeting Particularly Vulnerable Tribal Groups (PVTGs).
Widows and next-of-kin of defence/paramilitary personnel killed in action.
Families with only one girl child or households with members suffering from leprosy, cancer, or HIV.
PMAY-G ensures the delivery of high-quality, sustainable housing through a transparent and digitally-monitored framework.
₹1.20 Lakh (Plain areas) | ₹1.30 Lakh (Hilly/Difficult areas).
₹27,000–₹30,000 (approx.) for 90–95 days of unskilled labour via MGNREGS.
₹12,000 additional grant for toilet construction (SBM-G).
Minimum 25 sq,m including a dedicated hygienic cooking space.
Use of region-specific, disaster-resilient designs and local materials.
100% of funds sent via Direct Benefit Transfer (DBT) to Aadhaar-linked accounts.
Mandatory Geo-tagging of construction stages via AwaasApp.
End-to-end monitoring through the AwaasSoft MIS portal.
Guaranteed access to LPG (Ujjwala), Electricity (Saubhagya), and Tap Water (Jal Jeevan).
As of late 2025, the Pradhan Mantri Awaas Yojana - Gramin (PMAY-G) has entered an ambitious expansion phase. Following the saturation of the original 2.95 crore house target, the Union Cabinet has approved an additional 2 crore houses to be constructed between 2024 and 2029, bringing the new cumulative goal to 4.95 crore houses.
Below is the real-time performance snapshot based on the official <>PMAY-G Dashboard
as of 19-12-2025.Total number of eligible beneficiaries identified and registered on the AwaasSoft portal.
Houses that have received official administrative and technical approval for construction.
Permanent "pucca" houses successfully built and handed over to rural families.
Total financial assistance disbursed directly to beneficiaries' bank accounts via Direct Benefit Transfer (DBT).
The Pradhan Mantri Awaas Yojana - Gramin (PMAY-G) provides a holistic support system that goes beyond simple financial aid. Its benefits are designed to ensure that rural households not only get a roof over their heads but also experience a significant upgrade in their overall quality of life.
The scheme provides direct monetary support to cover the cost of construction and labour:
Financial assistance of ₹1.20 lakh per unit.
Financial assistance of ₹1.30 lakh per unit (includes North-Eastern States, Himalayan States, and UTs like Jammu & Kashmir and Ladakh).
Beneficiaries are entitled to 90–95 days of unskilled labour wages (approx. ₹27,000–₹30,000) through convergence with MGNREGS.
A separate grant of ₹12,000 for the construction of a household toilet via the Swachh Bharat Mission (Gramin).
PMAY-G acts as a hub for multiple welfare schemes to ensure the house is "ready-to-live" with all essential services:
Provision of free LPG connections under the Pradhan Mantri Ujjwala Yojana.
100% household electrification provided through the Saubhagya scheme.
Access to functional household tap connections through the Jal Jeevan Mission.
Integration with solar rooftop or solar lantern schemes where applicable.
For those who wish to expand or further improve their homes:
Beneficiaries can avail of a home loan of up to ₹70,000 from formal financial institutions.
A 3% interest subsidy is provided on these loans to make repayment affordable for rural families.
The scheme is a powerful tool for social equity and resilience:
Houses are primarily registered in the name of the female head of the household or jointly with the spouse, providing them with asset ownership and security.
Construction follows 3D, region-specific designs (verified by CBRI) using local materials to withstand earthquakes, floods, and cyclones.
By training Rural Masons (including women masons), the scheme boosts local economies and ensures technical quality in rural construction.
The 2024–2029 phase mandates that state governments prioritise land allotment to landless beneficiaries before sanctioning house funds.
Funds are released via Direct Benefit Transfer (DBT), ensuring the full amount reaches the beneficiary without leakage.
Modern monitoring via the AwaasApp allows beneficiaries to track their progress and installment releases on their smartphones. [You can download the app from here: AwaasApp].
Reference: Information source from the Ministry of Rural Development and Press Information Bureau (PIB) updates as of December 2025.
Checking your status or applying for the latest phase (2024–2029) of PMAY-G is a transparent, multi-step process handled primarily through your local Gram Panchayat.
Visit the official website – https://pmayg.dord.gov.in, go to Stakeholders, and select IAY/PMAYG Beneficiary. You can search for your name using your Registration Number or use the Advanced Search to filter by State, District, Block, and Panchayat.
Under the AwaasSoft menu, select Reports and then Beneficiary details for verification to see the list of people selected in your village for the current financial year.
Eligibility is ultimately validated by your local Gram Sabha. Visit your Panchayat office to see the Permanent Wait List (PWL) displayed on the notice board.
There is no direct "citizen login" to apply online. You must approach your Gram Panchayat or Ward Member with your documents.
Ensure you have your Aadhaar Card, Bank Passbook (Aadhaar-linked), MGNREGA Job Card number, and Swachh Bharat Mission (SBM) registration number ready.
A designated village official will enter your details into the Awaas+ system. You will be required to sign a consent form for Aadhaar authentication.
Use the "IAY/PMAYG Beneficiary" search on the portal to see if your house has been Sanctioned, Geotagged, or if an FTO (Fund Transfer Order) has been generated.
Use the UMANG App or the AwaasApp to track exactly when funds are credited to your account via DBT.
Progress is tracked through four levels of Geo-tagging (from foundation to completion). You can view these uploaded photos on the portal to ensure your construction stage is updated for the next instalment release.
Beneficiaries of Pradhan Mantri Gramin Awas Yojana (PMAY-G) can easily check whether their name appears in the rural housing list through the official government portal. The process is completely online and transparent.
Go to https://pmayg.dord.gov.in
Click on Awaassoft → select Reports from the menu.
Under PMAY-G reports, select the option to view beneficiary details.
Select your State, District, Block, Gram Panchayat, and Village.
Enter the captcha and click Submit to see the rural beneficiary list and you can search your name in the list or download it if required.
If you have a PMAY-G registration number, you can directly check your status using that number on the portal.
Reference - https://pmawasgraminlist.com/
While PMAY-G has transformed rural housing, the transition to its 2.0 phase (2024–2029) highlights several systemic and operational bottlenecks that impact the pace of construction.
Coordination gaps between the Central and State shares often lead to delays in the State Nodal Account (SNA) receiving funds, which in turn stalls the release of instalments to beneficiaries.
Varied levels of efficiency across States and UTs in handling the AwaasSoft MIS and verifying geo-tagged photos can cause "bottlenecks" where construction stops while waiting for virtual approval.
This remains a critical hurdle; as of 2025, approximately 37% of identified landless beneficiaries are still awaiting land allotment from State governments, which is a prerequisite for house sanctioning.
Relying on the 14-year-old SECC 2011 data has led to eligible families being left out, while a "politically motivated" approach in some Gram Sabhas can lead to improper rejections. The ongoing Awaas+ 2024 survey aims to correct these gaps.
The current unit assistance (₹1.20–₹1.30 lakh) often falls short due to the inflation of material costs (cement, bricks, steel) and transportation in remote areas, forcing beneficiaries to take on debt or compromise quality.
While the scheme aims for "saturation," ensuring that every house actually receives an LPG connection, electricity, and tap water simultaneously requires complex inter-departmental synergy that is not always seamless.
Timely completion of the 2029 target (4.95 crore total houses) depends heavily on efficient State/UT coordination, prompt land allotment, and the proactive cooperation of beneficiaries in updating their Aadhaar and bank details.
PMAY-G continues to play a vital role in improving rural living conditions by addressing housing insecurity at its roots.
It supports houseless families and those living in kutcha or dilapidated homes by providing access to safe, permanent housing.
Pucca houses with basic amenities like sanitation, electricity, and cooking space lead to better health, safety, and dignity.
The scheme prioritises vulnerable and marginalised rural households identified through SECC data and Gram Sabha verification.
PMAY-G houses are designed to be more durable, helping rural families withstand floods, cyclones, and other natural calamities.
Construction activity under the scheme generates local jobs and supports skilled mason training and use of local materials.
Sources:
Disclaimer: All PMAY-G data and eligibility rules are sourced from official government records. Final selection and fund disbursement depend on state-level verification and Gram Sabha approval. Please refer to the official PMAY-G dashboard for real-time updates.
Eligibility is based on housing deprivation. Households that are houseless or living in 0–2 room kutcha houses are eligible. As per 2024–25 updates, rural households with a monthly income up to ₹15,000 qualify. Automatic exclusion applies if any household member owns a motorised three- or four-wheeler, has a Kisan Credit Card limit of ₹50,000 or more, or is a government employee.
You can visit the official PMAY-G portal, go to the Stakeholders section, select IAY/PMAY-G Beneficiary, and search using your registration number or the advanced search option by selecting State, District, Block, and Gram Panchayat.
PMAY-G provides ₹1.20 lakh for house construction in plain areas and ₹1.30 lakh in hilly or difficult areas. Additionally, around ₹30,000 is provided as labour assistance through MGNREGS and ₹12,000 for toilet construction under SBM-G.
The minimum house size under PMAY-G is 25 square metres of carpet area. The house must be a pucca, all-weather structure with space for hygienic cooking and a functional toilet.
Yes. Under the 2024–2029 phase, State and UT governments are required to provide land to eligible landless beneficiaries before sanctioning a PMAY-G house.
There is no direct online application process. Eligible households must approach their Gram Panchayat or Block Development Officer. Details are entered into the Awaas+ 2024 system and verified by the Gram Sabha.
Yes. Hilly and difficult areas receive ₹1.30 lakh, which is ₹10,000 more than plain areas. The Centre–State funding ratio is 90:10 for these regions, compared to 60:40 for plain areas.
Documents required include Aadhaar card with authentication consent, Aadhaar-linked bank account details, MGNREGA job card number, SBM-G toilet number, and an affidavit stating that the beneficiary does not own a pucca house.
Once sanctioned, the house is targeted to be completed within 12 months. Funds are released in stages based on construction progress verified through geo-tagged photographs.
No. PMAY-G houses are meant only for the beneficiary’s residence. Most states enforce a lock-in period of 10–15 years during which the house cannot be sold or transferred. Ownership is preferably in the name of a woman or jointly.
PMAY-G ensures transparency through Direct Benefit Transfer to beneficiary accounts, real-time monitoring via AwaasSoft, and mandatory geo-tagging of construction stages using AwaasApp.
Beyond housing, beneficiaries are linked to schemes such as LPG connections under Ujjwala, electricity under Saubhagya, and piped water supply under the Jal Jeevan Mission.
Beneficiaries are selected based on SECC 2011 data and Awaas+ surveys. Households are ranked using deprivation scores, and the final list is validated by the Gram Sabha.
Yes. PMAY-G has been extended from April 2024 to March 2029 under PMAY-G 2.0, with a target of constructing an additional 2 crore rural houses.
You can file a grievance with the Appellate Committee at the Block or District level, raise it through the PMAY-G portal, or call the national toll-free helpline at 1800-11-6446.
