Pradhan Mantri Awaas Yojana - Gramin is a central government scheme that helps homeless rural families and those living in kutcha or damaged houses build a pucca home. Under the scheme, eligible households get direct money support to construct a durable house with basic amenities like water, electricity and a cooking area. The scheme is now in its extended phase running from 2024 to 2029, with a target of building nearly 4.95 crore houses across rural India.
Launched on 1st April 2016 as a restructured version of the old Indira Awaas Yojana, the scheme is led by the Ministry of Rural Development and implemented with the Ministry of Housing and Urban Affairs. As of March 2026, close to 3 crore houses have already been completed under the scheme. The government transfers the full money support directly to the Aadhaar-linked bank or post office account of the beneficiary.
Pradhan Mantri Awaas Yojana - Gramin - Introduction
The scheme focuses on providing a pucca house with basic facilities to every eligible houseless and kutcha-dwelling household in rural India. Each house built under the scheme covers at least 25 sq m of space along with a dedicated area for hygienic cooking. Through a habitat approach, the scheme also brings in water, electricity and sanitation facilities so that a house becomes a proper home.
Identification of beneficiaries is now being updated through the Awaas+ 2024 household survey. This survey is used to find additional eligible rural households who were not covered in the earlier SECC 2011 list. State governments are carrying out this survey with the help of local Gram Sabhas, and the timeline has been extended for several states in 2026.
Aim and Objective:
The main aim of the scheme is to make sure every eligible rural family has a safe, permanent home. It gives priority to families that are most at risk, such as houseless people, manual scavengers, members of primitive tribal groups and bonded labourers who have been released. The scheme also supports the national mission of Housing for All in rural India.
Key Information
| Scheme Name | Pradhan Mantri Awaas Yojana - Gramin |
|---|---|
| Level | Central |
| Scheme for | Family |
| Beneficiary States | All |
| Category | Housing & Shelter |
| Target Beneficiaries | Family |
| Sub Category | Housing, Shelter, integrated support and assistance, Loan |
| Benefit Type | Composite |
| DBT Scheme | Yes |
| Nodal Ministry | Ministry of Rural Development |
| Nodal Department | Department of Rural Development |
| Other Ministry | Ministry of Housing & Urban Affairs |
| Implementing Agency | Ministry of Housing and Urban Affairs |
| Open Date | 2016-04-01 |
| Tags | Rural Development, Housing, Loan, Financial Assistance |
Benefits
Pradhan Mantri Awaas Yojana - Gramin provides complete support to help a family build its own home. The money support given under the scheme depends on the area where the house is being built:
| Category | Financial Assistance |
|---|---|
| Plain Areas | ₹ 1,20,000 |
| Hilly, Difficult, and IAP Districts | ₹ 1,30,000 |
Along with the main house construction support, an eligible family can also get several other benefits that make building a home easier:
- A bank loan of up to ₹ 70,000 at a 3% lower interest rate for home construction, with the maximum principal for subsidy being ₹ 2,00,000.
- ₹ 12,000 for building a toilet through the Swachh Bharat Mission-Gramin.
- Employment as an unskilled labourer for 95 days, earning ₹ 90.95 per day through MGNREGA.
- A gas connection under the Pradhan Mantri Ujjwala Yojana.
- Integrated access to piped water, electricity and waste management systems.
Note: Beneficiaries are identified using housing deprivation parameters that are verified by local Gram Sabhas. The latest updates and progress reports are available on the official PMAY-G portal.
Eligibility
A household is eligible if it is currently houseless or lives in a home with zero, one or two rooms having kutcha walls and roofs. The selection process gives priority to families that need support the most.
Automatic Inclusion Criteria:
A household qualifies automatically if it falls into any of these categories: houseless, individuals living on alms, manual scavengers, part of primitive tribal groups, or legally released bonded labourers.
Prioritization:
Priority is given based on deprivation scores related to social categories such as SC/ST, Minorities and Others. Households run by women without adult male members, families with disabled members, and families without any literate adult are ranked higher in the priority list. For SC/ST and minority communities, the scheme keeps earmarked targets for each region.
Additional Considerations:
When multiple households have the same score, priority is extended to widows, next-of-kin of defence personnel, families with members suffering from serious illnesses such as leprosy, cancer or HIV, single-girl households and transgender individuals.
Exclusions
A household is excluded from Pradhan Mantri Awaas Yojana - Gramin if it meets any of the following conditions:
- Living in a house with a pucca roof or having more than two rooms.
- Owning a motorized vehicle, fishing boat or mechanized agricultural equipment.
- Having a Kisan Credit Card with a limit of ₹ 50,000 or higher.
- Having a family member working for the government.
- Earning more than ₹ 10,000 monthly.
- Paying income tax or professional tax.
- Owning a refrigerator or a landline phone.
- Owning significant land, such as more than 2.5 acres of irrigated land with equipment, 5 acres of irrigated land for two seasons, or 7.5 acres of total land.
Application Process
The online process for Pradhan Mantri Awaas Yojana - Gramin is handled through the official portal at pmayg.dord.gov.in. Registration is generally done at the district or local administrative level, and the beneficiary list is prepared after the Awaas+ 2024 survey is completed. To track or complete the application, follow these steps:
STEP 1 - Go to the official PMAY-G portal at PMAY-G Official Portal and open the login or registration section.
STEP 2 - Submit personal and family details including the mobile number and Aadhaar information, and upload the required Aadhaar consent form.
STEP 3 - Once the administrative search identifies the household as a beneficiary, the registration status is updated on the portal.
STEP 4 - Provide bank details to make sure the money support is transferred directly to the account.
STEP 5 - Include the MGNREGA job card and Swachh Bharat Mission number so that the integrated benefits can be availed.
Documents
Keep the following documents ready for the application process:
- Aadhaar Card, self-attested or with a thumbprint if the person is illiterate.
- MGNREGA-registered Job Card.
- Bank or Post Office account details.
- Swachh Bharat Mission (SBM) number.
- An affidavit declaring that no one in the family owns a pucca house.
Definitions
Difficult areas
Regions where geographic or climatic conditions make construction costly or difficult. These are identified by state governments.
Himalayan States
Includes Jammu and Kashmir, Himachal Pradesh and Uttarakhand.
IAP Districts
Districts under the Integrated Action Plan established by the Ministry of Home Affairs.
Pucca House
A sturdy home built to withstand normal weather and usage for at least 30 years.
References
Guidelines (Hindi) | Guidelines (English) | PMAY-G Dashboard | Beneficiary Registration Manual
FAQ's
What assistance in convergence with MGNREGA is provided under Pradhan Mantri Awaas Yojana - Gramin?
An eligible person gets employment opportunities for 95 days, with a wage of ₹ 90.95 per day for unskilled labour tasks during home construction.
What assistance in convergence with SBM-G is provided under Pradhan Mantri Awaas Yojana - Gramin?
A beneficiary is entitled to receive up to ₹ 12,000 for building a hygienic toilet as part of a convergence project under the Swachh Bharat Mission-Gramin.
How are the beneficiaries for Pradhan Mantri Awaas Yojana - Gramin identified?
Eligible individuals are identified using SECC housing deprivation parameters, which are now being updated through the Awaas+ 2024 household survey and cross-verified by local Gram Sabhas.
How is the amount of loan or financial assistance provided to the beneficiary?
The government transfers all financial support directly into the Aadhaar-linked bank account or registered post-office account of the beneficiary.
What is the amount and the purpose of the loan provided under Pradhan Mantri Awaas Yojana - Gramin?
A beneficiary can avail of a loan up to ₹ 70,000 at a 3% lower interest rate specifically to help complete the construction of a permanent home.
Who is the implementing agency of Pradhan Mantri Awaas Yojana - Gramin?
The Ministry of Housing and Urban Affairs (MoHUA) is responsible for implementing the scheme in coordination with the Ministry of Rural Development.
