Pradhan Mantri Awaas Yojana - Gramin
₹1.2–1.3 lakh grant for pucca house construction · rural houseless households · SECC-based selection
PMAY-G is the central government's flagship scheme to provide permanent pucca houses to rural families living in makeshift or no housing. Eligible rural households receive up to ₹1.30 lakh (hilly areas) or ₹1.20 lakh (plains) as direct financial assistance, with additional support for toilets, cooking gas, and employment. Beneficiaries are identified through SECC 2011 data and verified by Gram Sabhas; money is transferred directly to Aadhaar-linked bank accounts.
About This Scheme
PMAY-G is the central government's flagship scheme to provide permanent pucca houses to rural families living in makeshift or no housing. Eligible rural households receive up to ₹1.30 lakh (hilly areas) or ₹1.20 lakh (plains) as direct financial assistance, with additional support for toilets, cooking gas, and employment. Beneficiaries are identified through SECC 2011 data and verified by Gram Sabhas; money is transferred directly to Aadhaar-linked bank accounts.
Full official description
Launch on 1st April 2016, Pradhan Mantri Awaas Yojana Gramin (PMAY-G) is centre's flagship mission by the Ministry of Rural Development (MoRD), implemented by the Ministry of Housing and Urban Affairs (MoHUA). PMAY-G aims at providing a pucca house, with basic amenities, to all houseless households and those households living in kutcha and dilapidated house. PMAY-G addresses the rural housing shortage and bridges the housing deficit in rural areas of India, contributing significantly to the mission of "Housing for All". The minimum size of the houses under PMAY-G is 25 sq m including a dedicated area for hygienic cooking. As of 27th Sept 2022, 2.00 crore houses have been constructed out of the total target of 2.72 crores. The beneficiaries are identified using the Socio-Economic and Caste Census (SECC) parameters and verified by the Gram Sabhas. The amount is transferred directly to the Aadhaar-Linked Bank Account / Post-Office Account of the beneficiary. PMAY-G has been extended for another two years, i.e. till 31st March 2024.
Aim and Objective:
PMAY-G aims to provide a pucca house with basic amenities to all houseless households and households living in kutcha and dilapidated house in rural areas by 2024. The immediate objective is to cover 1.00 Crore households in rural areas, that are houseless or living in kutcha / dilapidated house, in three years from 2016-17 to 2018-19 and enable construction of quality houses by the beneficiaries using local materials, designs and trained masons. For houses to become homes, adoption of a habitat approach through convergence is proposed.
Benefits
- ₹1,20,000 per unit for plain areas; ₹1,30,000 for hilly/difficult/IAP districts
- Optional institutional loan of up to ₹70,000 at 3% subsidized interest rate (max loan eligible for subsidy: ₹2,00,000)
- ₹12,000 additional assistance for toilet construction (under Swachh Bharat Mission)
- 95 days of unskilled labour wages (~₹90.95/day) under MGNREGA for construction
- Free LPG connection under Pradhan Mantri Ujjwala Yojana
- Convergence support for piped water, electricity, and cooking fuel
- All payments made directly to beneficiary's Aadhaar-linked bank account
💡 Why Startups Should Care
Proptech and rural fintech founders take note: PMAY-G disburses over ₹2 lakh crore across 2.72 crore homes via DBT — the construction monitoring (AwaasSoft), geo-tagged progress photos (AwaasApp), and payment pipeline are a rich case study for last-mile digital infrastructure in India.
Who Can Apply (Eligibility)
- Must be a rural household living in a kutcha, dilapidated, or zero-room house as per SECC 2011 data
- Household must be houseless or living in 1–2 rooms with kutcha walls and roof
- Priority given to SC/ST families (60% of targets earmarked), minorities (15%), and persons with disabilities (3%)
- Automatic inclusion for: destitute households, manual scavengers, primitive tribal groups, bonded labourers
- Automatic exclusion if household owns: a motorised vehicle, mechanised farm equipment, a refrigerator, a landline, or ₹50,000+ Kisan Credit Card
- Excluded if any family member earns over ₹10,000/month, pays income tax, or owns 2.5+ acres of irrigated land
- Must not own a pucca house anywhere in India
Exclusions
- Not available to households owning a motorised vehicle, mechanised agricultural equipment, or Kisan Credit Card with ₹50,000+ limit
- Does not cover households with a government employee, income earner above ₹10,000/month, or income/professional tax payer
- Not eligible if the household owns a refrigerator, landline phone, or 2.5+ acres of irrigated land with irrigation equipment
How to Apply
- Check whether your household appears on the PMAY-G Permanent Wait List generated from SECC 2011 data — visit pmayg.nic.in or contact your Gram Panchayat.
- If your name is on the list, a field worker or Panchayat official will initiate beneficiary registration on the PMAY-G portal.
- Provide your Aadhaar number and sign a consent form for Aadhaar-based verification.
- Submit bank account details (Aadhaar-linked), MGNREGA job card number, and Swachh Bharat Mission number.
- The concerned State/UT office completes the remaining registration fields.
- Once registered, the grant of ₹1.2–1.3 lakh is transferred directly to your Aadhaar-linked bank or post office account in instalments as construction progresses.
Frequently Asked Questions
What assistance in convergence with MGNREGA is provided under PMAY-G?
In convergence with MGNREGA, the beneficiaries get employment for 95 days. The beneficiaries are paid [?] 90.95 per day for unskilled labor.
What assistance in convergence with SBM-G is provided under PMAY-G?
In convergence with SBM-G, the beneficiaries get assistance for the construction of toilets of up to [?] 12,000.
How are the beneficiaries for PMAY-G identified?
The beneficiaries are identified using parameters from the Socio-Economic and Caste Census (SECC) and verified by the Gram Sabhas.
How the amount of loan or financial assistance provided to the beneficiary?
The amount is transferred directly to the Aadhaar-Linked Bank Account / Post-Office Account of the beneficiary.
What is the amount and the purpose of loan provided under PMAY-G?
A loan up to [?] 70,000/- is provided at 3% lower interest rates) to the beneficiary to build a permanent dwelling.
Who is the Implementing Agency of PMAY-G?
PMAY-G s being implemented by the Ministry of Housing and Urban Affairs (MoHUA).
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card (with consent letter if illiterate)
- MGNREGA job card
- Bank account details (original and copy)
- Swachh Bharat Mission (SBM) number
- Affidavit confirming the family does not own a pucca house