Pradhan Mantri Awas Yojana Gramin 2024

The Pradhan Mantri Awas Yojana – Gramin (PMAY-G) is a rural housing initiative introduced by the Central Government to support families living in temporary or inadequate shelters. It aims to help those who either lack a proper roof over their heads or live in unsafe kutcha houses. Launched in 2016 as a restructured version of the Indira Awas Yojana, this scheme focuses on providing permanent, well-built homes for economically weaker families in rural areas. Through direct financial assistance, PMAY-G ensures that beneficiaries can build durable homes equipped with basic facilities. The goal is to provide housing for all by the year 2024.

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.

How to check PM Awas Gramin list 2025

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:

1. Visit the official PMAY-G website: https://pmayg.nic.in/
2. On the homepage, select ‘Awassoft’ from the top menu.
3. From the dropdown, click on ‘Report’.
4. You’ll be redirected to: https://rhreporting.nic.in/netiay/newreport.aspx
5. Under the ‘Social Audit Reports (H)’ section, choose ‘Beneficiary Details for Verification’.
6. Now, select your state, district, block, and village, and choose the PMAY scheme from the dropdown.
7. 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:

1. Register and log in to the UMANG app or the official UMANG portal.
2. In the Services section, search for ‘Pradhan Mantri Awas Yojana – Gramin’.
3. You’ll see a list of available services like: 
   • Tracking FTOs
   • Panchayat Wise Permanent Wait List
   • Installment Details
   • Beneficiary Details
   • Convergence Details
4. Click on ‘Installment Details’.
5. 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

While PMAY-G offers excellent support for rural housing, many families also consider additional financing options to build their dream homes with enhanced features and amenities. For those seeking comprehensive home financing solutions, Bajaj Finserv provides competitive rates starting from 7.49%* p.a. and loan amounts up to Rs. 15 crore*. Check your eligibility and explore loan offers today. You may already be eligible, find out by entering your mobile number and OTP.

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.

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

The following documents are necessary when applying for PMAY:

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.

If you are facing any issues, contact local Gram Panchayat or government offices for assistance. Verify details on the official PMAY-G website for the most up-to-date information.

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:

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.