Pradhan Mantri Awas Yojana Gramin: Apply Now for Permanent Housing, Check Eligibility, Benefits and Online Process

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) is one of the flagship schemes of the central government aimed at ensuring that every poor family in India has access to a permanent, pucca house. Launched on 1 April 2016 by Prime Minister Narendra Modi, the scheme was introduced after reviewing and revamping the earlier Indira Awas Yojana (1996). Under this mission, millions of families living in kutcha houses, temporary huts, or without any shelter are being provided affordable housing with basic facilities.

What is PMAY-G?

PMAY-G is part of the government’s “Housing for All” mission. The scheme ensures that beneficiaries receive financial assistance directly into Aadhaar-linked bank accounts to construct new houses. Each house must have a minimum size of 25 square meters, including a separate kitchen.

By 2022, nearly 2 crore houses had already been built out of the original 2.72 crore target. Under PMAY-G 2.0, registration and verification continue to provide homes to more families in rural India.

Key Benefits of PMAY-G

• Financial Assistance:

  • ₹1,30,000 per unit for houses in hilly, Himalayan states, the Northeast, and Jammu & Kashmir.

  • Subsidized loan of up to ₹70,000 at just 3% interest.

  • Subsidy of up to ₹2,00,000 on loan principal.

• Additional Support:

  • ₹12,000 for toilet construction under Swachh Bharat Mission–Gramin.

  • Employment guarantee of up to 95 days under MGNREGA.

  • Free LPG connection under the Ujjwala Yojana.

  • Access to drinking water and electricity connections under other government programs.

Eligibility for PMAY-G

The scheme targets the poorest and homeless families, including:

• Households living in kutcha houses or without shelter.

• Beggars, ragpickers, and sanitation workers.

• Scheduled Tribes, bonded laborers, and marginalized groups.

Who is Not Eligible?

• Families already owning pucca houses with two or more rooms.

• Households with a car, motorbike, boat, or expensive farm equipment.

• Families with government employees, registered businesses, or annual income above ₹10,000.

• Those paying income tax or professional tax.

• Owners of large agricultural land (2.5 to 7.5 acres, depending on irrigation facilities).

Required Documents

To apply for PMAY-G, beneficiaries need:

• Aadhaar card (self-attested copy).

• MGNREGA job card.

• Bank account details.

• Swachh Bharat Mission (SBM) number.

• Affidavit stating that the applicant does not own a pucca house.

How to Apply Online for PMAY-G

Applicants can register through the official website pmayg.nic.in.

Steps to Apply Online:

1. Visit the official PMAY-G portal.

2. Enter personal details including name, Aadhaar number, and mobile number.

3. Upload Aadhaar consent form for verification.

4. Search for your details in the beneficiary list using PMAY ID.

5. Fill in bank details, job card number, and SBM number.

6. Submit and save the reference number for future tracking.

Apply Through Mobile

The government has also enabled applications via the Awaas Plus 2024 Survey App:

• Complete face authentication using Aadhaar.

• Enter family and household details including property type, number of rooms, and income source.

• Upload photos of the current house for verification.

• Submit the data and save the reference number.

Priority and Selection Process

Beneficiaries are identified based on the Socio-Economic and Caste Census (SECC) and verified by the Gram Sabha. Special priority is given to:

• SC/ST households.

• Women-headed households.

• Families with no literate adult, no able-bodied member, or disabled members.

Payment Timeline

Once a beneficiary’s name appears on the approved list, the first installment is released within 7 working days. The total amount is transferred in 3 to 5 installments directly to the bank account.

How to Check Your Name in PMAY-G List

1. Visit the official website pmayg.nic.in.

2. Click on IAY/PMAYG Beneficiary under the Stakeholder tab.

3. Enter your registration number and captcha code to view your status.

Helpline Numbers

For assistance, applicants can contact:

• PMAY-G Toll-Free: 1800-11-6446

• PFMS Helpline: 1800-11-8111

• Email: support-pmayg@gov.in | helpdesk-pfms@gov.in

✅ Key Takeaway: PMAY-G is a life-changing scheme that provides financial aid for the construction of permanent homes to rural poor families. If you meet the eligibility criteria, apply online before December 30, 2025, and secure a pucca house with basic facilities under the government’s “Housing for All” mission.