PMAY Gramin - Pradhan Mantri Awas Yojana Gramin

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) aims to support rural families living in kutcha houses. It offers financial help to those without a permanent home or living in poor conditions. Under this scheme, beneficiaries can build pucca houses equipped with basic amenities. These include clean water, electricity, and proper sanitation. The scheme also promotes the use of local materials and designs. Trained masons are encouraged to ensure quality construction across rural areas.

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) was launched in 2016 to improve rural housing in India. It replaced the earlier Indira Awas Yojana, which began in 1985. The scheme aims to provide pucca houses with basic amenities to families living in kutcha or unsafe homes. It supports the government’s goal of 'Housing for All' in rural areas.  A key shift under PMAY-G was the adoption of a data-driven beneficiary selection process. Eligible families are identified using the Socio-Economic and Caste Census (SECC) 2011, which helps ensure transparency and reduces the scope for manual discretion. PMAY-G continues to bridge the rural housing gap across the country.

Here is a look a tthe main objectives of the PM Gramin Awas Yojana:

• A safe and affordable housing provision

This initiative focuses on providing safe and secure housing in the form of pucca homes, to households presently living in kutcha or dilapidated homes. They also provide basic amenities like the bare minimum kitchen, toilet space, etc.

• Upgrading the quality of life in rural areas

Overall, the living standards of these rural households are enhanced by facilitation of amenities like toilets, clean water, electricity. The move also improves the hygiene conditions observed by these primitive households. 

• Promotes comprehensive development

Rural households including marginalised communities, scheduled castes, tribes, and other minority groups can benefit from this scheme. This move helps  secure the development of vulnerable households and communities that require upliftment.

• Supporting sustainable and eco-friendly construction

PM Awas Gramin encourages the use of local materials and sustainable building practices. This helps reduce environmental impact while promoting local employment.

• Encouraging transparency and accountability

The scheme uses technology like geo-tagging and Direct Benefit Transfers (DBT) to ensure transparency. These measures help track progress and prevent fund misuse.

Here are the key features of the Pradhan Mantri Gramin Awas Yojana scheme and understand its benefits:

Focus on Scheduled Caste majority villages

The scheme promotes the integrated development of villages with a majority Scheduled Caste population. It aims to improve living standards and housing conditions in these communities.

Support for toilet construction

Eligible households can receive up to ₹12,000 for building toilets. This assistance is provided under schemes like the Swachh Bharat Mission Gramin (SBMG) and MGNREGA.

Funding for uncovered activities

The scheme provides up to ₹20 Lakhs per village for activities not covered by existing government schemes. This ensures holistic development and fills critical gaps.

Special support for Northeastern States and Jammu & Kashmir

In these regions, the central government covers 90% of housing costs. State governments contribute up to ₹1.30 Lakhs for each housing unit.

Full financing for Union Territories

The central government provides 100% funding for house construction in Union Territories, including Ladakh. This guarantees complete financial support for eligible beneficiaries.

Target to build 1 Crore pucca houses

The scheme set a target to build pucca houses for 1 Crore rural families. This goal focused on families living in kutcha or dilapidated homes between 2016–17 and 2018–19.

Use of eco-friendly and sustainable construction methods

The scheme encourages the use of eco-friendly, sustainable, and disaster-resilient construction techniques. This helps ensure long-term durability and reduces environmental impact.

Direct Benefit Transfer (DBT) for transparency

Financial assistance is directly transferred to the beneficiary’s bank account. This maintains transparency and prevents leakages in fund disbursal.

Provision of skilled workforce

Training programmes are organised to skill rural masons. This ensures quality construction and creates employment opportunities at the village level.

Geo-tagging of houses

The construction process is monitored using geo-tagged photographs. This helps track progress and ensures accountability at every stage.

Support for convergence with other schemes

PMAY-G promotes convergence with schemes such as Saubhagya (for electrification) and Ujjwala Yojana (for LPG connections). This provides beneficiaries with a comprehensive package of essential amenities.

Mentioned below are the benefits associated with the PM Awas Yojana aimed at the improvement of rural housing situation in India:

Financial assistance for housing construction

Eligible beneficiaries receive direct financial support to build pucca houses. This reduces the financial burden of constructing a safe and permanent home.

Access to basic amenities

Houses built under PMAY-G include essential facilities like toilets, clean drinking water, and electricity. These amenities promote better hygiene and living conditions in rural areas.

Optional loan facility for additional support

Beneficiaries have the option to avail of institutional loans for further construction needs. This provides additional flexibility for improving the quality and size of the house.

Interest subsidy on housing loans

PMAY-G offers an interest subsidy of 3% on housing loans under the linked Rural Housing Interest Subsidy Scheme. This helps lower the overall cost of borrowing for rural families.

Targeted support for marginalised communities

The scheme prioritises Scheduled Castes, Scheduled Tribes, minorities, and other vulnerable groups. This ensures inclusive development and equal access to housing benefits.

Employment generation through construction activities

The scheme promotes the use of local labour and trained masons for house construction. This supports rural employment and skill development at the community level.

Transparency through Direct Benefit Transfer (DBT)

Financial assistance is transferred directly to the beneficiary’s bank account. This ensures transparency and minimises the risk of fund mismanagement.

Monitoring with technology integration

The scheme uses geo-tagging and IT platforms to track progress. This improves accountability and keeps beneficiaries informed about their application status.

Here are the key details of the PMAY-G 2024 subsidy scheme, including loan support and interest subsidy for rural housing:

Loan facility for beneficiaries

Eligible beneficiaries can avail of institutional loans of up to ₹70,000 to help cover construction costs. This loan is optional and can be used in addition to the grant provided by the government.

Interest subsidy on housing loans

Beneficiaries under PMAY-G are eligible for an interest subsidy of 3% on housing loans. This subsidy helps reduce the overall repayment burden for rural families.

Maximum loan amount for subsidy

The interest subsidy applies to loans of up to ₹2 Lakhs. Any loan amount above this limit does not qualify for the subsidy benefit.

Applicable under the Rural Housing Interest Subsidy Scheme (RHISS)

The PMAY-G subsidy benefits are part of the Rural Housing Interest Subsidy Scheme. RHISS aims to make housing loans more affordable for rural families, especially those in economically weaker sections.

Subsidy applied through participating financial institutions

The subsidy is processed through recognised banks and housing finance companies. These institutions ensure the subsidy is credited to the borrower’s loan account, reducing the effective interest payable.

Here, you will find the eligibility criteria for PMAY Gramin to check if your household qualifies for support under the scheme:

• Beneficiaries are selected based on SECC 2011 data, which is verified by the Gram Sabha before final approval

• Freed bonded labourers are eligible under the PMAY Gramin scheme

• Eligible families include a husband, wife, and unmarried children

• Households without any house or living in kutcha houses with kutcha walls and roofs are eligible

• Families without a literate adult member aged above 25 years qualify for the scheme

• Households without an adult male member aged between 16 and 59 years are eligible

• Families with no able-bodied member to earn livelihood can apply under the scheme

• Applicants must belong to Economically Weaker Section (EWS), Lower Income Group (LIG), or Below Poverty Line (BPL) category

• Families with an annual income between ₹3 Lakh and ₹6 Lakh are eligible under the scheme

• Landless households earning their income from casual manual labour qualify for assistance

• Widows and next-of-kin of defence personnel, paramilitary forces, and ex-servicemen are eligible beneficiaries

• Households without any adult member aged between 16 and 59 years can avail benefits

• Families without any physically able member to perform manual work are given priority

• Households without a male member aged above 25 years are considered eligible

• Beneficiaries not owning land and dependent on public or government assistance are prioritised

• Manual scavengers, primitive tribes, disabled persons, and women-headed households ranked highest among verified applicants.

• 60% is earmarked for SC/STs, 15% for Minorities at the National Level for households.

• Families owning motorised vehicles (except two-wheelers), refrigerators, large landholdings (>5 acres irrigated), or 3-room pucca homes are excluded.

To apply for PMAY Gramin benefits, you need to submit the following documents:

• A duly filled PMAY-G application form is required

• Submit proof of identity such as Aadhaar card, Voter ID, or Passport

• Provide proof of address like Aadhaar card, PAN card, or electricity bill

• An ethnic group certificate is required, if applicable

• Submit an affidavit confirming no family member owns a pucca house

• Provide land ownership documents or contract papers for house construction

• Submit a No Objection Certificate (NOC) from the housing society, if required

• An income certificate is needed if your earnings fall below the taxable limit

• Attach copies of your bank account passbook and statements for the last six months

• For self-employed applicants, submit a letter confirming the nature of your business

• If any advance payment is made to the builder, attach the receipt

• Submit a letter confirming the allocation of property, if applicable

• Provide copies of your latest Income Tax Return, Form 16, and assessment order

• Attach the construction plan for your house

• Submit a certificate detailing the cost of construction

• Provide a valuation certificate from an official valuer

The PMAY-G scheme follows a transparent process to identify beneficiaries, ensuring support reaches rural families in need of proper housing. The selection is data-driven and aims to assist those living in poor housing conditions.

Beneficiaries are chosen using data from the Socio-Economic and Caste Census (SECC) 2011, which records details about housing status and income. This list is verified by the local Gram Sabha to confirm eligibility, focusing on households without land or living in kutcha houses.

A Permanent Wait List (PWL) is created from the verified data to help states track eligible households. This process maintains fairness and ensures housing assistance is provided in a phased and accountable manner.

The PMAY-G beneficiary list status is prepared using the Socio-Economic and Caste Census (SECC) 2011 data. Priority is given to landless households, especially those dependent on manual casual labour for their livelihood. These families are placed at the top of the Permanent Wait List to ensure they receive timely housing assistance.

The State Governments and Union Territories are responsible for providing land to landless beneficiaries from available government or public land resources. Once the preliminary list is prepared, it is verified by the local Gram Sabha to confirm the eligibility of each household. This verification process maintains transparency and ensures support reaches those who need it most.

The Ministry of Rural Development, along with State and UT authorities, regularly reviews the beneficiary list to monitor progress and address gaps. The final list is published on the official PMAY-G portal, where applicants can check their status using their registration number or by entering basic personal details.

Here, you will find the steps to check the PMAY-G beneficiary list online, whether or not you have your PMAY Gramin Awas Yojana registration number:

Steps to check with registration number

1. Visit the official PMAY-G portal: https://rhreporting.nic.in/netiay/Benificiary.aspx

2. Enter your registration number on the 'Search Beneficiary Details' page

3. Click on 'Submit' to view your beneficiary details

Steps to check without registration number

1. Go to: https://rhreporting.nic.in/netiay/Benificiary.aspx

2. Click on the 'Advanced Search' option

3. Select your state, district, block, panchayat, scheme name, and financial year

4. Enter details such as your name, sanction order number, BPL number, account number, and your father’s or husband’s name

5. Click 'Search' to view the beneficiary list for your area

Under PMAY-G, financial assistance of ₹1.2 lakh (plains) or ₹1.3 lakh (hilly/difficult areas) is released in three installments directly to Aadhaar-linked bank accounts via DBT, linked to construction progress.

Here are the steps to apply online for a housing unit under the PMAY Gramin scheme, as per the official process:

• Personal details

• Bank account details

• Convergence details

• Details from the concerned office

Follow these steps to register as a beneficiary and apply for a housing unit under the PMAY-G scheme:

1. Visit the official PMAY-G website and log in to your account

2. Fill in all the required personal details in the application form

3. Upload the consent form to link your Aadhaar number with your application

4. Click on the search button to find the PMAY ID, beneficiary name, and priority

5. Click on ‘Select to Register’ to proceed with the application

6. The system will then generate the beneficiary details automatically

7. Enter any remaining beneficiary details by filling in all the required fields

8. Upload the Aadhaar consent form if required for the beneficiary’s verification

9. Add the beneficiary’s bank account details in the relevant fields

10. If the beneficiary opts for a loan, select ‘Yes’ and enter the desired loan amount

11. Enter the Swachh Bharat Mission number and MGNREGA job card number of the beneficiary

12. The next section will be completed by the concerned office during verification

To apply for PMAY-G housing unit via offline mode, follow the steps below:

1. Visit the Gram Panchayat Office: Start by approaching your local Gram Panchayat or block office, as offline applications are accepted only through local authorities.
   
2. Collect the Application Form: Request the PMAY-G housing application form and carefully read the eligibility guidelines.
   
3. Fill in Personal Details: Enter accurate information such as Aadhaar number, family details, income status, and current housing condition.
   
4. Attach Required Documents: Submit self-attested copies of Aadhaar, bank account details, and relevant identification proofs.
   
5. Submit for Verification: Hand over the completed form to the Panchayat official, who will verify details and forward it for further approval under PMAY-G.
   

You can track your PMAY-G application status online through three methods available on the official portal. Follow these steps to check your status easily:

Method 1: Using Assessment ID

1. Visit the official PMAY application tracking page

2. Select the option 'Beneficiary Code / Application No.'

3. Enter your Beneficiary Code or Application Number

4. Enter the captcha code

5. Click on ‘Show’ to view your application status

Method 2: Using Aadhaar details

1. On the same page, choose the option 'Name as per Aadhaar and Aadhaar No.'

2. Enter your Aadhaar number and your name as per Aadhaar

3. Enter the captcha code

4. Click on ‘Show’ to view your application status

Method 3: Using mobile number and Aadhaar name

1. On the tracking page, select the option 'Mobile No. and Name as per Aadhaar'

2. Enter your mobile number, name as per Aadhaar, and your date of birth

3. Enter the captcha code

4. Click on 'Show' to check your application status

PMAY-G excludes households with stable living conditions or assets indicating financial security, focusing aid on the truly needy rural poor.

• Families owning pucca houses with three or more rooms

• Households with large landholdings, like over 5 acres of irrigated land

• Those possessing motorised vehicles (except basic two-wheelers) or refrigerators

• Income-tax paying families or government employees with pensions

• Urban residents or non-rural dwellers

The PMAY-G scheme supports rural families in building safe and permanent homes through transparent processes and financial assistance. You may also easily apply for a home loan on Bajaj Markets platform to meet your housing needs. With these combined efforts, the goal of affordable housing in rural India moves closer to reality.

Contact the Ministry of Rural Development toll-free at 1800-11-6446 or 1800-11-8111 for queries, complaints, or status checks.