Owning a safe and permanent home is essential for building a stable and secure life. Yet, many families in rural parts of India continue to live in kutcha houses that lack durability and access to basic facilities such as proper roofing, sanitation, and clean cooking spaces. These conditions not only affect comfort but also impact health, safety, and overall quality of life. Recognising this gap, the Government of India introduced the Pradhan Mantri Awas Yojana–Gramin (PMAY-G) to improve rural housing conditions.
PMAY-G is a major rural housing initiative aimed at providing affordable pucca homes to families who are either homeless or living in weak and temporary structures. The scheme focuses on ensuring that every eligible rural household has access to a strong and well-built home with essential amenities by the year 2026. It forms a key part of the government’s efforts to uplift living standards in villages across the country.
Under this scheme, eligible beneficiaries receive financial assistance directly into their bank accounts through Direct Benefit Transfer (DBT). Families in plain areas can receive up to Rs. 1.20 lakh, while those in hilly or difficult regions are eligible for up to Rs. 1.30 lakh. In addition to financial support for construction, the scheme encourages the inclusion of hygienic kitchens and proper sanitation facilities within the house design.
PMAY-G is also linked with other government programmes to offer a more complete solution. Beneficiaries may receive wage support for 90–95 days under the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) and up to Rs. 12,000 for toilet construction under the Swachh Bharat Mission (SBM). These combined benefits ensure that homes built under the scheme are not just permanent but also safe and hygienic.
To ensure fairness and transparency, beneficiaries are selected by the Gram Sabha based on data from the Socio-Economic and Caste Census 2011 (SECC 2011) and the Awaas+ survey. Each approved house generally covers around 25 square metres, including space for a clean cooking area. This guide will help you understand the scheme, its benefits, eligibility, and how to check the PMAY-G list for 2026 online.
PMAY-G progress highlights (2025-2026)
The following states have shown significant progress in rural house construction targets for the 2025-2026 period:
State |
Target allocated |
Houses completed |
Madhya Pradesh |
5,774,572 |
4,055,700 |
Bihar |
5,012,752 |
3,914,607 |
Uttar Pradesh |
3,685,704 |
3,640,816 |
West Bengal |
4,569,423 |
3,420,259 |
Assam |
2,987,868 |
2,100,511 |
Odisha |
2,849,889 |
2,478,235 |
Latest updates - Darrang district distributes PMAY-G sanction letters to over 11,700
The Darrang district administration recently took an important step towards strengthening rural housing by distributing Pradhan Mantri Awas Yojana–Gramin (PMAY-G) sanction letters to more than 11,700 eligible beneficiaries. This large-scale distribution drive reflects the Assam Government’s continued focus on achieving its vision of “Housing for All” for rural households.
The district-level programme was organised alongside a central state event held at Boko in Kamrup district, where Chief Minister Himanta Biswa Sarma formally launched the initiative. To ensure that beneficiaries across Darrang could participate, the programme was live-streamed and conducted simultaneously across three Assembly constituencies — Mangaldai, Sipajhar and Dalgaon.
At Mangaldai Boys’ Higher Secondary School Field, over 1,400 beneficiaries received their sanction letters in the presence of local representatives and senior officials. Sipajhar witnessed the distribution of letters to more than 2,500 rural families, while Dalgaon hosted the largest gathering, with over 7,600 beneficiaries receiving approval for their homes.
Senior district officials, elected representatives and local body leaders jointly supervised the smooth execution of the programme. The coordinated effort highlights the district administration’s commitment to timely implementation of PMAY-G and ensuring that deserving rural families can move closer to owning a safe and permanent home.
544 Nagaon beneficiaries get letters PMAY-G 3.0 housing sanction
The Nagaon district administration recently organised a special sanction letter distribution ceremony under Pradhan Mantri Awas Yojana–Gramin 3.0 (PMAY-G 3.0), offering fresh hope to rural families waiting for permanent housing. The event took place at the Nagaon District Library Auditorium and formed part of a state-wide launch of the scheme.
The programme was virtually inaugurated by Chief Minister Dr Himanta Biswa Sarma from Guwahati, linking Nagaon with similar events held across Assam. During the ceremony, a total of 544 beneficiaries from the Nagaon–Batadrava Legislative Assembly Constituency received official approval letters for the construction of their homes.
This distribution is a small but vital part of a much larger housing initiative, through which the Assam Government aims to support more than 3.24 lakh rural households under PMAY-G 3.0. The scheme focuses on providing safe, durable and dignified housing to families living in rural areas.
Several senior officials and elected representatives attended the programme, along with staff from the Zilla Parishad and development blocks. Social workers, local leaders and beneficiaries were also present in large numbers.
According to officials, the initiative reinforces the government’s commitment to improving rural living standards and ensuring that eligible families can access financial assistance and support under PMAY-G to build permanent homes.
Ceremonial distribution of PMAY-G sanction letters held across Sonitpur
Sonitpur district recently joined the rest of Assam in conducting the ceremonial distribution of sanction letters under the Pradhan Mantri Awas Yojana–Gramin (PMAY-G). The programme was organised across all five Legislative Assembly Constituencies of the district, ensuring wide coverage and participation.
Each constituency hosted its own event, where beneficiaries gathered to receive their housing sanction letters. To connect the district-level programmes with the state initiative, live streaming of the central event from Boko in Kamrup district was arranged at every venue. The statewide programme was inaugurated by Chief Minister Dr Himanta Biswa Sarma, who formally launched the distribution of housing approvals to more than 3.25 lakh rural families across Assam.
The Sonitpur events were attended by cabinet ministers, local MLAs and representatives of the Zilla Parishad in their respective constituencies. Their presence underlined the importance of the scheme and the administration’s focus on timely delivery.
Through these coordinated ceremonies, the district administration reaffirmed its commitment to implementing PMAY-G effectively and helping eligible rural households move closer to owning secure and permanent homes.
Sapno ka ghar: Realising the dream of housing for all in rural India
- The Pradhan Mantri Awas Yojana-Gramin (PMAY-G) is a flagship scheme aimed at giving every rural family the dignity of owning a safe and permanent house.
- A large target of 4.95 crore houses has been set under this scheme, ensuring widespread coverage across villages.
- By August 2025, over 2.82 crore houses have already been completed, out of the 4.12 crore homes officially sanctioned.
- The scheme is also supporting the landless poor – till now, 2,68,480 families without land have been approved for housing under PMAY-G.
- Beyond homes, the initiative has boosted rural employment by creating about 568 crore person-days of work in the last nine years, covering 2016 to 2025.
- Technology plays a key role in bringing fairness and efficiency, with tools like the Awaas+ 2024 app, AI/ML-based fraud detection, e-KYC, Aadhaar-enabled direct benefit transfers, and geo-tagged photos for transparency.
- real-time online dashboard further helps track progress, making the scheme accountable and people-friendly.
VB-G RAM G and PMAY-G account for 63% of Dept of Rural Development budget: Report
The Union Budget for 2026-27 has placed major focus on two flagship rural schemes — VB-G RAM G and Pradhan Mantri Awas Yojana-Gramin (PMAY-G). As per an analysis by PRS Legislative Research, VB-G RAM G alone makes up nearly 40 per cent of the total allocation for the Department of Rural Development. The scheme has been allotted Rs. 95,692 crore and is designed to replace MGNREGS with a guarantee of 125 days of work annually.
PMAY-G forms the second-largest share in the department’s budget at 23 per cent. Together, VB-G RAM G and PMAY-G account for 63 per cent of the ministry’s overall expenditure in 2026-27. The total allocation for the Ministry of Rural Development stands at Rs. 1,97,023 crore, which is 4 per cent higher than the revised estimate for 2025-26.
In contrast, MGNREGS has seen a sharp fall in allocation to Rs. 30,000 crore, compared to Rs. 88,000 crore in the previous revised estimate. Meanwhile, PMAY-G has received Rs. 54,917 crore, marking a significant rise. Despite higher funding, around 70 per cent of targeted rural houses have been completed so far, with delays linked to land issues, migration, pandemic-related disruptions and beneficiary-level challenges.
Ponguleti seeks 5 lakh houses for Telangana under PM Awas Yojana
Telangana’s Revenue and Housing Minister, Ponguleti Srinivas Reddy, has requested the Union government to approve five lakh rural houses under Pradhan Mantri Awas Yojana-Gramin (PMAY-G 2.0). He met Union Rural Development Minister Shivraj Singh Chouhan and urged that three lakh houses be sanctioned in the current financial year and two lakh more in the next year.
The minister stated that the earlier state government had not joined PMAY-G 1.0, which resulted in Telangana not receiving housing approvals during that phase. He informed the union minister that the present government has now joined PMAY-G 2.0 and carried out a detailed house-to-house survey to identify eligible beneficiaries.
As per updated guidelines, a fresh verification was conducted using the Awas+2024 mobile application, through which 11.57 lakh eligible rural families were identified. The state government aims to provide housing to all deserving families within the next three years. He also highlighted that around four lakh Indiramma houses have already been approved this year and expressed hope that the Centre will extend the necessary support to speed up rural housing development in Telangana.
In this article, we will look at the various aspects of PMAY-G to understand the subsidies offered, eligibility criteria and the application process.
Objectives of PMAY-Gramin
The primary goal of the Pradhan Mantri Awas Yojana - Gramin is to build pucca houses with basic amenities such as water, sanitation and electricity for those who do not have their own homes and those who live in kutcha houses or damaged houses.
The central government has extended the rural housing scheme PMAY (Rural) for another two years till 31st March 2024 granting further financial assistance to achieve its target of building 2.95 crore low-cost homes. As of November 2021, 1.65 crore units have been completed, while another 1.3 crore houses remain to be constructed.
PMAY-Gramin list 2026
Andhra Pradesh |
|
Arunachal Pradesh |
Gujarat |
Assam |
Meghalaya |
Mizoram |
|
Chhattisgarh |
|
Goa |
Punjab |
Rajasthan |
|
Sikkim |
|
Himachal Pradesh |
Tamil Nadu |
Jammu and Kashmir |
Telangana |
Jharkhand |
Tripura |
Karnataka |
Uttar Pradesh |
Kerala |
Uttarakhand |
Madhya Pradesh |
West Bengal |
How to check PM Awas Gramin list 2026
If you live in a village and don’t have a registration number, you can still view the PMAY-G beneficiary list by following these steps:
- Visit the official PMAY-G website: https://pmayg.nic.in/
- On the homepage, select ‘Awassoft’ from the top menu.
- From the dropdown, click on ‘Report’.
- You’ll be redirected to: https://rhreporting.nic.in/netiay/newreport.aspx
- Under the ‘Social Audit Reports (H)’ section, choose ‘Beneficiary Details for Verification’.
- Now, select your state, district, block, and village, and choose the PMAY scheme from the dropdown.
- Enter the captcha code and click ‘Submit’.
The complete list of beneficiaries for your village will be displayed. You can also print this list if needed.
What is the Pradhan Mantri Awas Yojana Gramin list?
The PMAY-G list contains the names of rural citizens who are eligible for financial help to build permanent homes under the Pradhan Mantri Awas Yojana. The government provides this aid to families who either don’t have a home or live in poorly built structures. The scheme aims to ensure that every family below the poverty line can build a safe and decent house.
There are two parts to this scheme – Urban (for city residents) and Gramin (for village residents). If you’re from a rural area, your name will be listed in the rural housing list. Urban residents, on the other hand, can check their names in the urban housing list. If you meet the eligibility criteria and live in a rural area, you can easily search for your name in the PMAY-G list online.
Check PM Awas Yojana Gramin installment details
If your name is selected under the PMAY-G scheme, and you are an approved beneficiary, here’s how you can check your installment status:
- Register and log in to the UMANG app or the official UMANG portal.
- In the Services section, search for ‘Pradhan Mantri Awas Yojana – Gramin’.
- You’ll see a list of available services like:
- Tracking FTOs
- Panchayat Wise Permanent Wait List
- Installment Details
- Beneficiary Details
- Convergence Details
- Click on ‘Installment Details’.
- Enter your registration number and click on Search.
The app will then show you details about the funds released and their payment status.
Under PMAY-G, beneficiaries in plain areas receive Rs. 1,20,000, while those in hilly or challenging regions (like Jammu & Kashmir, Uttarakhand, Ladakh, North-East, and Himachal Pradesh) get Rs. 1,30,000. The money is directly transferred to the beneficiary’s bank account via DBT. Additionally, Rs. 12,000 is given for toilet construction under the Swachh Bharat Mission – Gramin (SBM-G).
Subsidies under PMAY - G scheme
There are various subsidies offered under PMAY-G. These include:
- Loans up to Rs. 70,000 from financial institution
- Interest subsidy of 3%
- Subsidy for the maximum principal amount is Rs. 2 lakh
- The maximum subsidy for the payable EMI is Rs. 38,359
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Pradhan Mantri Awas Yojana – Gramin: Features and benefits
The key features and benefits of this scheme are:
- Both the central and state governments share the cost of housing units in a 60:40 ratio in plain areas offering up to Rs. 1.20 lakh funding assistance for each unit
- The ratio of central and state cost sharing is 90:10 in the Himalayan states, North-Eastern states and Union Territories (UT) of Jammu & Kashmir with monetary aid up to Rs. 1.30 lakh for each unit
- 100% financing provided by the centre for Union Territories including the UT of Ladakh
- Beneficiaries get 90-95 days of employment under MGNREGA and Rs. 90.95 per day for unskilled labour
- The Socio-Economic and Caste Census (SECC) parameters help identify PMAY - G beneficiaries, which are then verified by Gram Sabhas
- Financial support of Rs. 12,000 for construction of toilets under Swachh Bharat Mission - Gramin (SBM-G) or other schemes
- Based on topography, climate, culture and other housing practices, beneficiaries can choose their house design
- Direct payments made to Aadhaar-linked bank accounts or post office accounts electronically
- The minimum area or size of the housing units offered under this scheme increased from 20 sq.mt. to 25 sq. mt
Many beneficiaries use PMAY-G assistance as a foundation and seek additional financing to upgrade their homes with modern amenities and larger spaces. If you're planning to build beyond the basic structure, a home loan from Bajaj Finserv can help bridge the gap with flexible repayment options up to 32 years. Check your eligibility for comprehensive home financing solutions. You may already be eligible, find out by entering your mobile number and OTP.
Overview of the Pradhan Mantri Awas Yojana
Attribute |
Details |
Name of the scheme |
Prime Minister Housing Scheme |
Start date |
25 June 2015 |
Initiated by |
Prime Minister Narendra Modi |
Objective |
Providing permanent houses to all poor people in the country |
Beneficiaries |
Economically weaker sections of India (LIG, EWS, MIG 1 or 2) |
Operation |
Central Government |
Toll-free number |
011-23063285, 011-23060484 |
Official website |
pmaymis.gov.in |
Beneficiaries under PMAY-G
In order to be a PMAY-G beneficiary, priority is based on the following socio-economic factors:
- If households have no adult members between the ages of 16 to 59 years
- They have no literate member above 25 years
- Families headed by a female with no adult member between 16 to 59 years of age
- Households with a disabled member and no able-bodied adult
- Families that own no land and earn mostly through casual labour
Pradhan Mantri Awas Yojana Gramin Eligibility Criteria
The PMAY - G eligibility criteria are based on specific deprivation scores and different priority lists. These include:
- 1 Applicant's family must not own any house/ property
- 2 Families with houses having zero, one or two rooms with a kutcha wall and kutcha roof
- 3 Families belonging to scheduled castes, scheduled tribes, and minority groups
- 4 They must not own motorised two-wheeler, three-wheeler, four-wheeler, agricultural equipment, or fishing boat
- 5 They should have Kisan Credit Card (KCC) limit lower than Rs. 50,000
- 6 No family member should be employed in government service or earn more than Rs. 10,000 per month
- 7 Applicants or their family members should not be income tax or professional taxpayers. The family must not own a refrigerator or have a landline phone connection
Eligibility according to income under Pradhan Mantri Awas Yojana
Category |
Interest subsidy |
Maximum loan tenure |
Annual income |
Maximum loan amount approved for subsidy |
Middle Income Group 2 (MIG 2) |
3% |
20 years |
Rs 18 lakh |
Rs 12 lakh |
Middle Income Group (MIG) |
4% |
20 years |
Rs 12 lakh |
Rs 9 lakh |
Low Income Group |
6.50% |
20 years |
Rs 6 lakh |
Rs 6 lakh |
Economically Weaker Sections (EWS) |
6.50% |
20 years |
Rs 3 lakh |
Rs 6 lakh |
Understanding your income eligibility is crucial for both government schemes and private home financing. If you're planning to purchase or construct a home and need additional funding beyond government assistance, Bajaj Finserv offers tailored solutions with interest rates starting from 7.15%* p.a. Check your loan eligibility and get personalised offers. You may already be eligible, find out by entering your mobile number and OTP.
Documents required for PMAY Gramin
The following documents are necessary when applying for PMAY:
Category |
Documents required |
For salaried candidates |
|
For others |
|
How to apply for a PMAY-G subsidy?
Automatic selection of beneficiaries is done by the government through SECC. Even then, you can add beneficiary names or register for PMAY by following these steps:
- 1 Visit the official PMAY website
- 2 Fill in the required personal details - gender, mobile number, Aadhar number etc
- 3 Click the 'Search' button to find beneficiary name, PMAY ID and priority
- 4 Click 'Select to Register'
- 5 Beneficiary details will be automatically generated
- 6 Verify your auto-filled details and key in the remaining ones - ownership type, Aadhar number etc
- 7 Type in the beneficiary details - name, bank details etc
- 8 If you want a loan, select Yes and enter the desired loan amount
- 9 In the next section, enter MGNREGA job card number and Swachh Bharat Mission number
- 10 Submit the form. Your registration number will be displayed
Anyone who wishes to apply for PMAY-G and avail the subsidies can easily apply online and take advantage of the extension till March 2024. This government housing scheme offers plenty of benefits for those residing in the rural parts of the country.
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Pradhan Mantri Awas Yojana (PMAY) offline application process
To apply offline for the Pradhan Mantri Awas Yojana (PMAY), a scheme aimed at providing affordable housing for all, follow these steps:
- Visit a common service centre (CSC): Go to your nearest common service centre (CSC), where you can get assistance with the PMAY application process.
- Fill out the application form: At the CSC, request the PMAY application form and fill in the necessary details, including personal information, income details, and housing requirements.
- Provide required documents: Submit essential documents, such as identity proof, income certificate, and documents that verify your housing status.
- Pay the nominal application fee: There is usually a small fee for applying offline through a CSC. The CSC operator will guide you on the payment process.
- Receive application number: After submitting your application, you will receive an application number. This number allows you to track your application status online through the official PMAY portal.
Applying offline through a CSC can be helpful if you prefer in-person guidance with the process, making it easier to access affordable housing benefits under PMAY.
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Who is not eligible for Pradhan Mantri Awas Yojana
The Pradhan Mantri Awas Yojana (PMAY) aims to provide affordable housing to eligible families across India, but there are specific criteria that disqualify certain individuals or households. Here’s a list of who is not eligible for PMAY:
- Individuals who already own a pucca house: Families who own a pucca (permanent) house in any part of India, either in their own name or in the name of any family member, are not eligible.
- Higher-income households: Households with an annual income above the specified limits for various PMAY categories (Economically Weaker Section, Low Income Group, Middle Income Group) may not qualify.
- Beneficiaries of other housing schemes: Those who have already received assistance under any other government housing schemes are disqualified from applying for PMAY.
- Non-residents and NRIs without income proof: Non-residents or NRIs who cannot provide sufficient income proof are generally not considered eligible under PMAY’s guidelines.
- Tax payers of higher tax brackets: Individuals falling under higher income tax brackets may not be eligible for benefits under the scheme, as PMAY focuses primarily on economically weaker sections.
Understanding these exclusions can help applicants assess their eligibility for PMAY and avoid unnecessary application rejections.
97% Houses completed under PMAY-G in Jammu Kashmir
The progress of the Pradhan Mantri Awas Yojana–Gramin in Jammu and Kashmir has reached an important milestone, with around 97 per cent of sanctioned houses already completed. This update was shared during a review meeting led by the Secretary of Rural Development and Panchayati Raj, Mohammad Aijaz Asad, who emphasised the need to complete all remaining houses within the given timeline.
As per the latest figures, a total of 3,23,299 houses have been successfully constructed under the scheme across the Union Territory. In the past two months alone, 3,447 houses were completed, showing steady progress. However, about 11,340 houses are still pending, and officials have been instructed to speed up work to meet the completion deadline of 15 April 2026.
To ensure timely delivery, officers at different administrative levels, including Assistant Commissioners Development (ACDs) and Block Development Officers (BDOs), have been asked to closely monitor each incomplete house. They have also been directed to quickly resolve any technical or administrative delays that may slow down construction work.
The Secretary highlighted that unfinished houses from the current phase will not be carried forward once the next phase begins. This has increased the urgency for officials to complete all pending work, even if it requires extended working hours. Regular weekly reviews have also been mandated to track progress and ensure accountability.
Additionally, while a recent survey for the upcoming phase was conducted using AI-based tools, authorities will carry out further verification at the Deputy Commissioner level. This step aims to ensure that no eligible household is left out and that the benefits of the scheme reach every deserving family.
Pradhan Mantri Awas Yojana-Gramin helpline
If you need help with any of the steps above or have general queries about the PMAY-G scheme, you can contact the relevant support teams:
Service |
Helpline number |
E-mail address |
PMAY-G |
Toll-Free: 1800-11-6446 |
support-pmayg@gov.in |
PFMS |
Toll-Free: 1800-11-8111 |
helpdesk-pfms@gov.in |
These helplines are set up to resolve technical issues, assist with form-related queries, and help beneficiaries track or understand their application and payment details.
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Frequently asked questions
The eligibility criteria for PMAY-G in 2026 have been made more inclusive to cover more rural households. Families earning up to Rs. 15,000 per month can now qualify, compared to the earlier limit of Rs. 10,000. Owning items like a two-wheeler or refrigerator does not lead to disqualification anymore. However, applicants must not own a pucca house anywhere in India and should be living in a kutcha or damaged dwelling.
Under PMAY-G 2.0, beneficiaries in plain areas receive Rs. 1.20 lakh, while those in hilly or difficult regions get Rs. 1.30 lakh. Additionally, Rs. 12,000 is provided for building a toilet under the Swachh Bharat Mission. Beneficiaries also receive wages for 90–95 days under MGNREGA, which can add approximately Rs. 20,000 to Rs. 25,000, increasing the total financial support available.
The beneficiary list is prepared using data from SECC 2011 and the updated Awaas+ 2024 survey rather than direct applications. Once identified, names go through a verification process. The list is shared with the Gram Sabha for public review, where objections can be raised. Officials also use geo-tagged photos through a mobile application to confirm the authenticity of each applicant’s housing condition.
Individuals cannot directly apply online for PMAY-G. If your name is not listed, you should contact your Gram Panchayat or Block Development Officer. They can add your details to the Awaas+ system if you meet the criteria. You may also raise complaints through local authorities or use the national helpline number 1800-11-6446 for further assistance and grievance redressal.
Applicants must provide an Aadhaar card along with consent for verification. A bank or post office account linked to Aadhaar is required for receiving funds through DBT. Other documents include an MGNREGA job card number, SBM registration details for toilet assistance, and a self-declaration stating that the applicant does not own any pucca house in India.
The financial assistance is released in stages rather than a single payment. Instalments are linked to construction progress, such as completion of the foundation, reaching the roof level, and final completion. Each stage is verified by officials using geo-tagged photos uploaded to the system. Once verified, the next instalment is directly transferred to the beneficiary’s bank account.
A house built under PMAY-G must have a minimum area of 25 square metres, including space for a hygienic kitchen. It should be a pucca structure made using durable materials like bricks, cement, or stone to ensure long-term stability. Beneficiaries can choose designs suited to their region, including disaster-resistant options, while also using locally available and sustainable construction materials.
Yes, beneficiaries who need additional funds can avail of a loan of up to Rs. 70,000 at a reduced interest rate, typically 3% lower than standard rates. This loan helps families expand their homes beyond the basic structure provided under the scheme. Many banks and rural housing finance institutions offer such loans based on the applicant’s ability to repay.
PMAY-G places strong emphasis on women’s empowerment. Houses are usually registered in the name of the female head of the household or jointly with the spouse. Priority is given to widows, single women, and households without adult male members. This approach ensures that women gain ownership rights, contributing to their financial independence and long-term social security.
PMAY-G works alongside several government schemes to provide complete support. Beneficiaries receive employment benefits under MGNREGA, sanitation support through the Swachh Bharat Mission, LPG connections under the Ujjwala Yojana, electricity through the Saubhagya scheme, and drinking water via the Jal Jeevan Mission. This integration ensures that beneficiaries move into fully equipped and liveable homes.