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Understanding Awas: PMAY Eligibility, Subsidy & Application Explained
Pradhan Mantri Awas Yojana – Gramin (PMAY-G) is a flagship rural housing scheme that helps eligible families without a pucca house build a safe and permanent home with government assistance. Launched in 2016, the scheme has enabled the construction of nearly 3 crore rural houses across India. To further strengthen rural housing, the government has approved an additional 2 crore houses, taking the overall target to approximately 4.95 crore homes by 2029.
Beneficiaries are selected through a transparent process based on SECC data and Gram Sabha verification, while funds are transferred directly to bank accounts through the Direct Benefit Transfer (DBT) system.
This page explains:
• What PMAY-G is, its objectives, and latest updates
• How to check your name in the PMAY-G 2026 beneficiary list
• Search methods using registration number or location details
• Financial assistance available under the scheme
• Eligibility criteria and required documents
• Online and offline application process
• PMAY-G and PFMS helpline details for support
Understanding these details can help eligible households access housing benefits and track their application status more effectively.
What is Pradhan Mantri Awas Yojana – Gramin (PMAY-G)?
Pradhan Mantri Awas Yojana – Gramin (PMAY-G) is a Central Government housing scheme that provides financial assistance to eligible rural families living in kutcha, dilapidated, or homeless conditions. Introduced in 2016, it replaced the Indira Awaas Yojana with a more transparent and technology-driven framework.
Beneficiaries are identified using SECC data and Gram Sabha verification, while funds are transferred directly to Aadhaar-linked bank accounts through the Direct Benefit Transfer (DBT) system.
The scheme aims to provide every eligible rural household with a pucca house and access to basic amenities such as sanitation, electricity, and clean drinking water. As part of the government's expanded housing mission, PMAY-G now targets the construction of approximately 4.95 crore rural homes by 2029.
Key objectives of PMAY-G include:
- Expanding access to safe and durable housing in rural India
- Supporting sanitation through convergence with Swachh Bharat Mission–Gramin (SBM-G)
- Assisting landless and vulnerable households through targeted interventions
- Creating rural employment through large-scale housing construction
- Improving transparency through geo-tagging, Aadhaar-enabled DBT, and digital monitoring systems
Latest PMAY-G funding update and implementation progress
Pradhan Mantri Awas Yojana – Gramin (PMAY-G) continues to play a key role in improving rural housing across India. In a major development, the Central Government approved a mother sanction of ₹10,021.42 crore on 28 May 2026 as the first instalment for the financial year 2026-27. This funding supports the government's broader objective of achieving "Housing for All" by March 2029. The latest allocation highlights the continued focus on providing safe and permanent housing to eligible rural families while accelerating construction targets across multiple states.
PMAY-G receives fresh funding support
The Ministry of Rural Development received approval for ₹10,021.42 crore under PMAY-G for 2026-27. This amount was sanctioned in addition to an earlier allocation of ₹11,121 crore released during the same financial year. The funding is intended to support the construction of pucca houses for eligible rural households and ensure timely completion of approved projects.
States covered under the latest allocation
The newly sanctioned funds will benefit 12 states, including Assam, Chhattisgarh, Gujarat, Haryana, Himachal Pradesh, Jharkhand, Karnataka, Kerala, Punjab, Rajasthan, Tamil Nadu, and Uttar Pradesh. The allocation aims to help states speed up housing construction and address the needs of rural families living in inadequate housing conditions.
Progress made under PMAY-G
PMAY-G has achieved significant milestones since its launch. Against an overall target of 4.95 crore rural houses, approvals have been granted for approximately 3.91 crore homes. As of May 2026, more than 3.05 crore houses have already been completed, reflecting the scheme's large-scale impact on rural housing development across the country.
Focus on faster implementation
To improve implementation, states have been directed to provide land to eligible landless families, resolve pending grievances, and complete housing approvals within prescribed timelines. States with pending targets for 2024-25 and 2025-26 have also been instructed to complete approvals by 30 June 2026, ensuring faster utilisation of funds and timely delivery of housing benefits.
PMAY-G Gramin List 2026 and beneficiary status tracking
The PMAY-G Gramin List 2026 allows eligible rural households to verify their inclusion in the scheme and track the status of housing assistance online. Through the PMAY-G and Awaassoft portals, beneficiaries can check village-wise beneficiary lists, instalment payment status, housing construction progress, and downloadable reports. This digital monitoring system improves transparency and reduces dependency on manual verification. As PMAY-G progresses toward its target of 4.95 crore rural houses by 2029, online beneficiary tracking has become an important feature for ensuring timely fund disbursement and accountability. Regularly checking beneficiary status can help applicants stay updated on approvals, payments, and construction milestones under the scheme.
PMAY-G important online services
The PMAY-G digital ecosystem offers several online services that help beneficiaries track housing applications, verify beneficiary details, monitor construction progress, and access official reports. With over 3.05 crore rural houses completed under PMAY-G as of May 2026, these online tools have become essential for improving transparency, reducing paperwork, and enabling faster access to scheme-related information. The following table highlights the key PMAY-G services and their purpose:
| Service | Information |
|---|---|
| PMAY-G Official Portal | pmayg.nic.in – Official platform for PMAY-G scheme information, beneficiary services, and updates |
| Beneficiary Reports | PMAY-G Reports section – Access state-wise, district-wise, and village-wise beneficiary reports |
| Beneficiary Search | Search beneficiary details using registration information and approved housing records |
| PDF Download | Download beneficiary lists, housing reports, and scheme-related documents in PDF format |
| Housing Progress | Awaassoft portal – Track house construction stages, fund releases, and completion status |
| Latest Beneficiary List | View updated PMAY-G beneficiary lists for 2026-27 and check inclusion status online |
These services help beneficiaries stay informed about approvals, instalment payments, housing progress, and scheme implementation without visiting government offices repeatedly.
Pradhan Mantri Awas Yojana Gramin List 2026: Uttar Pradesh and other states
The PMAY-G Gramin List 2026 is available online for beneficiaries across India, enabling eligible rural households to verify their inclusion in the scheme and track housing assistance. States such as Uttar Pradesh, Bihar, Rajasthan, Madhya Pradesh, West Bengal, Odisha, Assam, and others continue to account for a significant share of PMAY-G beneficiaries due to their large rural populations. As of May 2026, more than 3.05 crore houses have been completed under PMAY-G against approvals for 3.91 crore houses, highlighting the scheme's extensive reach and progress toward the Housing for All target by 2029.
| State | PMAY-G List Availability |
|---|---|
| Uttar Pradesh | Beneficiary list available through PMAY-G and Awaassoft portals |
| Bihar | Village-wise and district-wise beneficiary details available online |
| Rajasthan | Online access to approved beneficiary records and housing progress |
| Madhya Pradesh | Beneficiary search and instalment tracking facilities available |
| West Bengal | Housing assistance records accessible through PMAY-G reports |
| Odisha | Updated beneficiary information and progress reports available |
| Assam | Rural housing beneficiary details available online |
| Chhattisgarh | Access to approved housing and payment status records |
| Jharkhand | Online beneficiary verification and housing progress tracking |
| Other States and UTs | State-wise beneficiary lists and reports available through official PMAY-G platforms |
Important note: Beneficiaries should always verify their details through the official PMAY-G and Awaassoft portals to ensure they access the latest approved lists and payment information. Since beneficiary data and housing progress reports are updated periodically by state authorities, checking the portal regularly can help applicants stay informed about approvals, fund releases, construction milestones, and any updates related to their PMAY-G application.
PMAY-G 2026 beneficiary list – state-wise
The PMAY-G beneficiary list is published state-wise on the official portal. The scheme covers all major states and Union Territories. Select your state below to find the relevant list:
| State | State |
|---|---|
| Andhra Pradesh | Maharashtra |
| Arunachal Pradesh | Meghalaya |
| Assam | Mizoram |
| Bihar | Odisha |
| Chhattisgarh | Punjab |
| Goa | Rajasthan |
| Gujarat | Sikkim |
| Haryana | Tamil Nadu |
| Himachal Pradesh | Telangana |
| Jammu and Kashmir | Tripura |
| Jharkhand | Uttar Pradesh |
| Karnataka | Uttarakhand |
| Kerala | West Bengal |
| Madhya Pradesh | Ladakh (UT) |
How to check your name in the PM Awas Gramin list 2026
If you do not have a registration number, you can still view the full PMAY-G beneficiary list for your village. This method uses the social audit reports available on the official portal and does not require a login.
- Visit the official PMAY-G website: https://pmayg.nic.in/
- Select 'Awassoft' from the top menu on the homepage.
- Click on 'Report' from the dropdown.
- You will be redirected to the social audit reports page.
- Under 'Social Audit Reports (H)', choose 'Beneficiary Details for Verification'.
- Select your state, district, block, and village. Choose the PMAY scheme from the dropdown.
- Enter the captcha code and click 'Submit'.
The complete beneficiary list for your village will be displayed on screen. You can print or save this list for your records.
How to search your name in the PM Awas Gramin list 2026-27
If you already have a registration number, you can directly verify your PMAY-G beneficiary status on the official portal. This is the fastest way to confirm whether your name appears in the 2026-27 list. Use the steps below:
- Visit the official PMAY-G portal at https://pmayg.nic.in/.
- Navigate to the Stakeholders tab on the homepage.
- Click on 'Search Beneficiary'.
- Enter your registration number in the search field.
- Your beneficiary details will appear if your name is in the list.
- If you do not have a registration number, choose 'Advanced Search'.
- Select your state, district, block, and Gram Panchayat from the dropdown menus.
The advanced search option is useful for applicants who have not yet received a registration number or who applied through their Gram Panchayat. Always use the official portal at pmayg.nic.in to avoid fraudulent third-party websites offering similar services.
How to check your PMAY-G installment details
Once your name is on the PMAY-G list, the financial assistance is released in instalments directly to your Aadhaar-linked bank account. You can track the status of each instalment through the UMANG app or portal at any time.
- Register and log in to the UMANG app or the official UMANG portal.
- In the Services section, search for 'Pradhan Mantri Awas Yojana – Gramin'.
- Select 'Installment Details' from the available service options.
- Enter your registration number and click 'Search'.
- The app displays the funds released and current payment status for your account.
The amount you receive depends on where your house is located:
| Region | Financial Assistance | Additional Toilet Support (SBM-G) |
|---|---|---|
| Plain areas | Rs. 1,20,000 | Rs. 12,000 |
| Hilly / challenging regions (J&K, Uttarakhand, Ladakh, North-East, Himachal Pradesh) | Rs. 1,30,000 | Rs. 12,000 |
Key highlights of PMAY-G (2025-2026)
Under PMAY-G Phase I and Phase II, 4.15 crore houses were allocated to states. Of these, 3.90 crore were sanctioned and 2.99 crore have been completed. The scheme aims to reach a cumulative target of 4.95 crore rural houses by the year 2029.
A total of Rs. 4,03,886.12 crore has been transferred to beneficiaries, ensuring timely construction support across the country. AI-driven monitoring tools — including geo-tagging, anomaly detection, and Aadhaar face authentication — have been deployed to strengthen transparency and reduce leakages.
PMAY-G is designed to work alongside other central schemes to improve overall rural living standards:
- Swachh Bharat Mission – Gramin: toilet construction support of Rs. 12,000 per house
- Jal Jeevan Mission: piped water supply to rural households
- PM Ujjwala Yojana: LPG cooking gas connections for rural families
- PM Surya Ghar: Muft Bijli Yojana: rooftop solar and free electricity for eligible households
Total houses completed under PM Awaas Yojana – Gramin (2016 to 2026)
The table below shows year-wise completion of houses under PMAY-G since the scheme launched in 2016. The cumulative total as of 2025-26 stands at 2,99,15,398 houses — representing steady progress towards the 4.95 crore target.
| Financial year | Houses completed |
|---|---|
| 2016-2017 | 2,115 |
| 2017-2018 | 38,15,966 |
| 2018-2019 | 44,92,951 |
| 2019-2020 | 21,31,192 |
| 2020-2021 | 33,99,570 |
| 2021-2022 | 42,39,725 |
| 2022-2023 | 57,74,696 |
| 2023-2024 | 20,83,730 |
| Sub-total (2016-17 to 2023-24) | 2,59,39,945 |
| 2024-2025 | 13,73,546 |
| 2025-2026 | 26,01,907 |
| Cumulative total | 2,99,15,398 |
Features and benefits of PMAY-G
PMAY-G is designed to go beyond just providing financial aid. The scheme covers cost sharing, employment support, house design flexibility, and direct payment mechanisms to ensure beneficiaries can build homes with dignity and without delays.
| Feature | Details |
|---|---|
| Cost sharing – plain areas | Central: State = 60:40; up to Rs. 1.20 lakh per unit |
| Cost sharing – hilly states, North-East, J&K UT | Central: State = 90:10; up to Rs. 1.30 lakh per unit |
| Cost sharing – UTs including Ladakh | 100% Central funding |
| Employment support | 90-95 days under MGNREGA at Rs. 90.95 per day for unskilled labour |
| Beneficiary identification | SECC parameters, verified by Gram Sabha |
| Toilet construction support | Rs. 12,000 under Swachh Bharat Mission – Gramin |
| House design | Beneficiary can choose design based on topography, climate, and local culture |
| Payment method | Direct transfer to Aadhaar-linked bank or post office account |
| Minimum house size | 25 sq. mt (increased from 20 sq. mt) |
Who can apply? Eligibility criteria for PMAY-G
PMAY-G uses Socio-Economic and Caste Census (SECC) data to identify and prioritise beneficiaries. The scheme focuses on the most economically vulnerable rural households. Priority is given to the following categories:
- Households with no adult member between the ages of 16 and 59 years
- Families with no literate adult member above 25 years of age
- Female-headed households with no adult male member between 16 and 59 years
- Households with a disabled member and no able-bodied adult
- Landless families earning primarily through casual labour
Beyond priority categories, all applicants must also meet these conditions to be eligible:
- The family must not own any house or property anywhere in India.
- Any existing house must have zero, one, or two rooms with kutcha walls and kutcha roof.
- The family must not own a motorised two-wheeler, three-wheeler, four-wheeler, agricultural equipment, or fishing boat.
- The Kisan Credit Card (KCC) limit must be below Rs. 50,000.
- No family member should be a government employee or earn more than Rs. 10,000 per month.
- The family must not be an income tax or professional taxpayer.
- The family must not own a refrigerator or have a landline phone connection.
Income-wise subsidy under PMAY
PMAY categorises applicants into four income groups, each with a different interest subsidy rate and maximum loan amount eligible for subsidy. Understanding your category helps you calculate how much benefit you can claim on a home loan taken alongside PMAY-G assistance.
| Category | Annual income | Interest subsidy | Max loan for subsidy | Max tenure |
|---|---|---|---|---|
| EWS (Economically Weaker Section) | Up to Rs. 3 lakh | 6.50% | Rs. 6 lakh | 20 years |
| LIG (Low Income Group) | Up to Rs. 6 lakh | 6.50% | Rs. 6 lakh | 20 years |
| MIG I (Middle Income Group I) | Up to Rs. 12 lakh | 4% | Rs. 9 lakh | 20 years |
| MIG II (Middle Income Group II) | Up to Rs. 18 lakh | 3% | Rs. 12 lakh | 20 years |
Who is not eligible for PMAY?
PMAY is designed for economically weaker sections. The following individuals or households do not qualify for benefits under the scheme:
- Families who already own a pucca house anywhere in India, in any family member's name
- Households with annual income above the specified limits for their PMAY category
- Those who have already received assistance under any other government housing scheme
- NRIs or non-residents who cannot provide sufficient income proof as required
- Individuals in higher income tax brackets, as PMAY focuses on economically weaker sections
Documents required for PMAY-G
Keep the following documents ready before applying. Requirements differ slightly for salaried and self-employed applicants.
| Applicant type | Documents required |
|---|---|
| Salaried | Aadhaar card, PAN card, voter ID, caste certificate, income certificate, permanent address proof, 6-month bank statement, Form 16 or IT assessment order, construction agreement, advance receipt, affidavit of no permanent house anywhere in India, NOC from housing society or competent authority |
| Self-employed / others | Aadhaar card, voter ID, PAN card, driving licence, caste certificate, income certificate, Form 16, business registration documents, 6-month bank statement, construction plan, advance payment details, allotment letter or property agreement, affidavit of no permanent house anywhere in India |
How to apply for PMAY-G
Beneficiaries are primarily identified through SECC data. However, eligible applicants can also register directly. You can apply both online and offline.
Online application
- Visit the official PMAY-G website at https://pmayg.nic.in/.
- Enter your personal details — gender, mobile number, and Aadhaar number.
- Click 'Search' to find your beneficiary name, PMAY ID, and priority status.
- Click 'Select to Register'. Your beneficiary details will be auto-generated.
- Verify the auto-filled details and complete remaining fields — ownership type, Aadhaar, etc.
- Enter your name and bank account details in the beneficiary section.
- If you need a loan, select 'Yes' and enter the desired loan amount.
- Enter your MGNREGA job card number and Swachh Bharat Mission number.
- Submit the form. Your registration number will be displayed on screen.
Offline application
If you prefer in-person assistance or do not have internet access, you can apply at a Common Service Centre (CSC) near you.
- Visit your nearest Common Service Centre (CSC).
- Request the PMAY application form and fill in your personal, income, and housing details.
- Submit the required documents along with the completed form.
- Pay the nominal CSC application fee as guided by the operator.
- Collect your application number to track your status on the official PMAY portal later.
PMAY-G helpline and support
If you need help with any step of the PMAY-G process — from checking your name in the list to resolving payment issues — the following helplines are available:
| Service | Helpline number | Email address |
|---|---|---|
| PMAY-G | Toll-Free: 1800-11-6446 | support-pmayg@gov.in |
| PFMS (Payment tracking) | Toll-Free: 1800-11-8111 | helpdesk-pfms@gov.in |
Frequently Asked Questions
Checking your status and list
About subsidy and eligibility
Application process
What is the Pradhan Mantri Awas Yojana Gramin (PMAY-G) scheme, and what is its objective in 2026?
Pradhan Mantri Awas Yojana Gramin (PMAY-G) is a rural housing scheme launched by the Government of India to help families living in inadequate housing conditions. The scheme provides financial assistance for building permanent houses with basic facilities. In 2026, PMAY-G continues to support the government's vision of ensuring housing for eligible rural households. The scheme has been extended with a target of facilitating nearly 4.95 crore rural houses by March 2029, helping improve living standards and social security in villages across India.
Who is eligible to receive housing benefits under the PMAY-G program?
PMAY-G primarily benefits rural families that do not own a permanent house or live in kutcha houses with weak walls and roofs. Beneficiaries are identified using socio-economic data and verified by local authorities and Gram Sabhas. Preference is generally given to vulnerable groups such as Scheduled Castes, Scheduled Tribes, minorities, landless labourers, persons with disabilities, and households facing severe housing deprivation. The final beneficiary list is prepared after a transparent verification process to ensure assistance reaches deserving families.
Which households are automatically excluded from the PMAY-G beneficiary selection?
The scheme follows specific exclusion criteria to ensure benefits are provided to genuinely needy households. Families owning certain assets such as cars, tractors, or motorised vehicles may not qualify. Similarly, households with members employed in government services, paying income tax, or earning above the prescribed limits are generally excluded. Those holding a Kisan Credit Card with a substantial credit limit may also be considered ineligible. These exclusions help direct government resources toward economically weaker rural households.
How much financial assistance is provided to a beneficiary under PMAY-G?
Eligible beneficiaries receive financial support directly into their bank accounts for house construction. The assistance amount is ₹1.20 lakh for beneficiaries living in plain areas and ₹1.30 lakh for those residing in hilly regions, difficult terrains, Himalayan states, and selected Left-Wing Extremism-affected districts. The funds are released in stages linked to construction progress. The scheme is jointly funded by the Central and State Governments, ensuring financial support reaches rural households in a structured and transparent manner.
How can beneficiaries check the PMAY-G 2026 Beneficiary List online?
Beneficiaries can check their status through the official PMAY-G and Awaassoft portals. Those with a registration number can use it to directly search for their details. Alternatively, users can select their state, district, block, and Gram Panchayat to access village-wise beneficiary lists. The portals also provide access to housing progress reports and payment details. Regularly checking the online records can help beneficiaries stay updated on approvals, fund releases, and construction milestones under the scheme.
What is the application process for the PMAY-G scheme in rural areas?
Unlike many government schemes, PMAY-G does not require beneficiaries to submit a conventional application form. Eligible households are identified through the Socio-Economic and Caste Census (SECC) database and subsequent Awaas+ surveys conducted by local authorities. The proposed beneficiary list is reviewed by the Gram Sabha for verification. Once approved, the beneficiary's details are entered into the Awaassoft system, where Aadhaar, bank account, and other information are linked to facilitate direct benefit transfers.
What documents are required for registering under the PMAY-G scheme?
Selected beneficiaries may need to provide certain documents to complete registration and receive financial assistance. These typically include an Aadhaar Card, bank account details linked to Aadhaar, and an MGNREGA job card, where applicable. Beneficiaries may also be required to submit a declaration confirming that they do not own a pucca house elsewhere. Local authorities may request additional documents for verification purposes. Providing accurate information helps ensure timely approval and fund disbursement.
How does PMAY-G converge with MGNREGA and Swachh Bharat Mission?
PMAY-G works alongside other government welfare schemes to provide comprehensive support to rural households. Beneficiaries may receive wage support for construction-related work through MGNREGA. In addition, eligible households can receive financial assistance for building toilets under the Swachh Bharat Mission (Gramin). Many beneficiaries may also qualify for LPG connections under the Ujjwala Yojana. This integrated approach helps families create safer, healthier, and more sustainable living environments beyond just housing construction.
Can a PMAY-G beneficiary apply for a bank loan for additional construction?
Yes, PMAY-G beneficiaries may explore institutional finance if they wish to expand or upgrade their houses beyond the support provided under the scheme. Eligible beneficiaries can approach banks and other approved financial institutions for additional housing loans, subject to lending norms and eligibility criteria. In certain cases, interest subsidy benefits may also be available. This option can be useful for families seeking additional space or improved housing facilities beyond the standard PMAY-G house design.
What are the mandatory structural specifications for houses built under PMAY-G?
PMAY-G houses are built according to prescribed technical standards to ensure safety, durability, and comfort. The minimum house size is generally 25 square metres, including a dedicated cooking area. States may adopt locally suitable construction designs and materials while ensuring compliance with disaster-resilient building practices. To maintain transparency, houses are geo-tagged and construction progress is monitored digitally at different stages. This helps authorities verify work completion before releasing subsequent instalments to beneficiaries.
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