A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • Pradhan Mantri Awaas Yojana Gramin (PMAYG)

    What is PMAYG?

    The Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) was introduced with the view to boost the "Housing for All" scheme. The central government came up with the vision to fulfil the ‘Housing for All’ scheme by the year 2022.

    The main aim of the PMAY-G scheme is to provide pucca house with some of the basic amenities. This scheme is meant for people who do not own a house and people who live in kutcha houses or houses which are severely damaged. At present, the minimum size of the houses to be built under the PMAY-G scheme has been increased to 25 sq. mt. from 20 sq. mt.

    For Urban Area Learn:PMAY Urban

    PMAYG Official Details
    Official Website pmayg.nic.in / iay.nic.in
    Toll Free Number 1800-11-6446 / 1800-11-8111
    Complaints or Suggestion support-pmayg@gov.in / helpdesk-pfms@gov.in
    PMAYG Beneficiary Registration Guide Click to Download Manual
    State Wise Contact Person Details PMAYG Implementation Officials
    PMAY-G App  Android and iOS

    PMAYG Subsidy Scheme

    Under the scheme, beneficiaries can avail a loan of up to Rs.70,000 from financial institutions.

    • Interest subsidy is 3%
    • The maximum principal amount for the subsidy is Rs.2 lakh
    • The maximum amount of subsidy that can be availed is Rs.38,359 for the EMI payable

    Features of PMAYG Scheme

    The salient features of the PMAYG scheme are as follows:

    • The cost of the unit will be shared in a 60:40 ratio between the Central and State governments in plain areas, i.e., Rs.1.20 lakh of assistance for each unit.
    • In the Himalayan states, northeastern states, and the Union Territory (UT) of Jammu & Kashmir, the ratio is 90:10 with up to Rs.1.30 lakh of assistance for each unit.
    • 100% financing from the Centre for Union Territories including the UT of Ladakh.
    • Beneficiaries are provided Rs.90.95 per day of unskilled labor from MGNREGS.
    •  Beneficiaries are identified using parameters from Socio-Economic and Caste Census (SECC) and verified by Gram Sabhas.
    • Assistance for construction of toilets of up to Rs.12,000 to be provided under Swachh Bharat Mission-Gramin (SBM-G) in collaboration with MGNREGS or other schemes.
    • Payments are made electronically directly to bank accounts or post office accounts that are linked to Aadhaar.

    PMAYG Eligibility Requirements

    • The following are the eligibility criteria, which include specific deprivation scores and different priority lists:
    • Houseless families
    • Families with houses having zero, one, or two rooms with a kutcha wall and kutcha roof.
    • Households without a literate adult above 25 years of age.
    • Households without an adult male member aged between 16 and 59 years of age.
    • Households without any adult member between 16 and 59 years of age.
    • Households without any able-bodied members and with a disabled member.
    • Landless households who derive income from casual labour.
    • Scheduled Caste, Scheduled Tribe, Others, and Minorities.

    Factors that will exclude Beneficiaries from PMAY Gramin Scheme

    • Candidates that have a motorised two wheeler, three-wheeler, four-wheeler and agriculture equipment or fishing boat.
    • Candidates that have a Kisan Credit Card (KCC) with a limit greater or equal to Rs.50,000
    • Any household that has at least one member that is employed with the government or earning more than Rs. 10,000 per month.
    • Any person that pays income tax, professional tax or owns a refrigerator or landline phone connection.

    Documents Required to Apply for PMAYG

    These are some of the documents or details required to apply for the PMAYG scheme:

    • Aadhaar number
    • Consent document to use Aadhaar on behalf of the beneficiary
    • MGNREGA-registered beneficiary job card number
    • Swachh Bharat Mission (SBM) number of the beneficiary
    • Bank account details

    How to Apply/Register/Add PMAYG Beneficiary

    There are four sections to the beneficiary registration process, which are:

    • Personal details
    • Bank account details
    • Convergence details
    • Details from the concerned office
    To successfully register or add the beneficiary, follow the steps given below:
    PMAYG Registration Page
    1. Visit the official website for login PMAYG.
    2. Fill in the details required in the personal details section (such as gender, mobile number, Aadhaar number, etc.)
    3. Upload the consent form required to use the Aadhaar number
    4. Click on the search button to find the beneficiary name, PMAY ID, and priority.
    5.  Click on ‘'Select to Register’'.
    6. The beneficiary details will be automatically generated and displayed.
    7. The remaining beneficiary details can now be filled in, such as ownership type, relation, Aadhaar number, etc.
    8. Upload the consent form required to use the Aadhaar number on behalf of the beneficiary
    9. In the next section, add the beneficiary account details in the required fields, such as beneficiary name, bank account number, etc.
    10. If the beneficiary wants to avail a loan, select ‘'Yes’' and enter the required loan amount.
    11. In the next section, enter the MGNREGA job card number and Swachh Bharat Mission (SBM) number of the beneficiary
    12. The next section will be filled in by the concerned office

    PMAY Beneficiary Registration Guide

    Beneficiary List for PMAY-G / iay.nic.in Reports

    The beneficiaries under the PMAY-G scheme is selected by the government using a process that makes use of the Socio-Economic Caste Census of 2011 (SECC). The process of selecting the beneficiaries is as follows:

    • The SECC will be made use of to make a list of the beneficiaries
    • These beneficiaries will then be prioritized
    • Subsequently, the list will be sent to Gram Sabhas to verify the list
    • Once verified, a final list will be created and published
    • Lastly, the annual lists will be created

    Houses Completed in PMAYG from 2018 to 2021

    The latest PMAYG reports showing the number of houses completed in a financial year, as of 31 March 2021, are given below:

    State Name 2018-2019 2019-2020 2020-2021 2021-2022
    Arunachal Pradesh 85 747 2417 216
    Assam 163915 84403 131282 13816
    Bihar 715565 415059 1048600 96517
    Chhattisgarh 341439 34588 59686 8505
    Goa 28 187 87 2
    Gujarat 84437 35591 54890 9430
    Haryana 7199 6691 1232 13
    Himachal Pradesh 3151 447 605 121
    Jammu and Kashmir 14918 5610 21746 5909
    Jharkhand 284474 166685 243997 50417
    Kerala 15640 843 880 266
    Madhya Pradesh 705949 275342 262067 37607
    Maharashtra 230196 95122 183719 50207
    Manipur 7663 1151 2779 694
    Meghalaya 12347 5357 5642 1305
    Mizoram 925 997 1128 58
    Nagaland 17 3687 535 0
    Odisha 409460 361464 395361 39849
    Punjab 12794 410 3908 2737
    Rajasthan 335884 169240 318267 25073
    Sikkim 863 43 15 0
    Tamil Nadu 122836 52760 52184 8199
    Tripura 22752 7055 15873 584
    Uttar Pradesh 429844 174191 37722 141530
    Uttarakhand 5970 192 93 45
    West Bengal 742391 286347 678587 145912
    Andaman and Nicobar 1 286 483 153
    Dadra and Nagar Haveli 197 221 972 128
    Daman and Diu 7 0 0 0
    Lakshadweep 0 9 28 0
    Puducherry 0 0 0 0
    Andhra Pradesh 18677 5 0 0
    Karnataka 43760 7085 2405 0
    Telangana 0 0 0 0
    Total 4733384 2191815 3527190 639293

    List of officials engaged in implementation of PMAY-G

    States Name Email id Telephone No.
    ANDAMAN AND NICOBAR Gurjeet Kaur rd.ut.and@gmail.com 03192242739
      Shekhar Rai rd.ut.and@gmail.com 03192242739
    ANDHRA PRADESH Sri Dr Narayan Bharat Gupta apshclmd@gmail.com 08645274117
      Sri Chinnaswami Jayaramachari apshcl2020@gmail.com  
      Sri Nagur Rajasekhar pmaygandhra@gmail.com 08645274117
      Sri Ajay Jain peshihousing@gmail.com 08632445496
    ARUNACHAL PRADESH Tamo rebi drdiayita@gmail.com  
      Chera Sanjiv Jdreitanagar@gmail.com  
      Parimal Deb parimalkumar1965@gmail.com  
      Kego Jilen drditanagar@gmail.com  
      Nyali Ete nyaliete833@gmail.com  
      Amarnath Talwade secretaryprrd@gmail.com  
    ASSAM Mithun Deka pmayg.assam@gmail.com 03612333645
      Mr Mriganka Choudhury pmayg.assam@gmail.com 03612333645
      Rashsul Hussain pmayg.assam@gmail.com 03612333645
    BIHAR Ashutosh kr misiaybihar@gmail.com 06122215273
      Mrinal Styarthi misiaybihar@gmail.com 06122215273
      Rajesh Parimal rajeshparimalbas@gmail.com 06122215273
      Arvind Chaudhary rlsec-bih@nic.in 06122217496
    CHHATTISGARH Kanchan Bhuarya rd.pmaycg@gmail.com 07712510199
      S Prakash rd.pmaycg@gmail.com 07712510585
      Prakash Parihar prakashparihar00@gmail.com 07712510199
      Ananad raj soni rd.pmaycg@gmail.com 07712510199
      Deep Ghosh rd.pmaycg@gmail.com 07712510199
      Kailash Thakur rd.pmaycg@gmail.com 07712510199
      Seema Mishra rd.pmaycg@gmail.com 07712510199
    DADRA AND NAGAR HAVELI Sohil Mecwan drdasilvassa@gmail.com  
      Harilal Chavda hmchavda2012@gmail.com 02602632303
      Sohil Mecwan drdasilvassa@gmail.com  
    DAMAN AND DIU Juber Radhanpura juber.radhanpura@nic.in  
      Dharmendra Damania drda-dmn-dd@gov.in  
    GOA Bhaskar Nerulkar pdn-drda.goa@nic.in  
    GUJARAT Dinesh Kapadiya addcomm1-crd@gujarat.gov.in 07923253452
      Meghna Parikh addcommissioner1@gmail.com 07923256366
      Sameer Mehta addcommissionerpmay@gmail.com 07923256750
      Bhrugu Bhatt pmaybhrugu@gmail.com  
      Vijay Nehra secrd@gujarat.gov.in 07923253461
    HARYANA Sandeep Kumar drd@hry.nic.in 01722703136
      Arun Kumar drd@hry.nic.in 01722702125
      Sheetal Malhotra drd@hry.nic.in 01722703136
      Hameshwar Dayal Gaur gaurhamesh@gmail.com 01722549099
    HIMACHAL PRADESH Priyanka Sharma pmayghimachal@gmail.com 01772626321
      Seema Sharma pmayghimachal@gmail.com 01772626321
      Praveen Thakur pmayghimachal@gmail.com 01772626321
    JAMMU AND KASHMIR Shaqeeb Rather jointdirectorrdd@gmail.com 01942506347
      Subash Chander jointdirectorrdd@yahoo.com 01942506347
      Subash Chander jointdirectorrdd@yahoo.com 01912566929
      Subash Chander jointdirectorrdd@yahoo.com 01912566929
      Sheetal Nanda secyrdd11@gmail.com 01912566929
    JHARKHAND Dinesh Oraon rddjharkhand2013@gmail.com  
      Shyama Sinha pmuiay.jharkhand@gmail.com  
      Roshan Pat Pingua Pmuiay.jharkhand@gmail.com  
      Yatindra Prasad yatinjas1990@gmail.com  
      Vinod Ranjan jharkhandspmu.pmayg@gmail.com  
      Aradhana Patnaik rddsecjhr2020@gmail.com 06512446070
    KARNATAKA Smt Asha sadashiv iayrgrhcl@gmail.com 08023118888
      Parashurame Gowda parasuramegowdans@gmail.com  
      Parashurame Gowda parasuramegowdans@gmail.com  
      Smt Asha sadashiv iayrgrhcl@gmail.com 08023118888
    KERALA Santhoshkumar V S iaykerala@gmail.com 04712318583
      Lisha Mohan iaykerala@gmail.com  
      Shyni R iaykerala@gmail.com  
      Remya R V pmaygpmukerala@gmail.com  
      Shaji Clement iaykerala@gmail.com 04712318149
      Padmakumar N iaykerala@gmail.com 04712517219
    LAKSHADWEEP Ashwani Kumar Mehta lk-drda@nic.in 04896263457
      Shahina Beegum K shahina@nic.in 09497644622
    MADHYA PRADESH Sudarshan Soni pmayg17@gmail.com 07552554778
      Dr Deleep Kumar pmayinfo@gmail.com  
      SHILPI ADHOLIYA pmayg17@gmail.com 07554082606
      Manisha Dave pmayinfo@gmail.com 07552552501
    MAHARASHTRA Santosh Bhand bhand_santosh@yahoo.com 02227560311
      Manjiri Takle Manjiri.takle@Yahoo.com 02227560311
      Dr Rajaram Dighe directoriayruralhousing@gmail.com 02227560311
      Anil Kale anil.kale@nic.in 02227560311
      Ram Aghav ram.smurh@gmail.com 02227561784
      Er Aseem Gupta psec.rdd@maharashtra.gov.in 02222060448
    MANIPUR Somorendro Singh sno.awaasoft@gmail.com  
      Sanasam Shyamananda sno.awaasoft@gmail.com  
    MEGHALAYA Roplang Kharmalki roplangkharmalki@gmail.com  
      Iaraphunlin Diengdoh nrega-meg@nic.in  
    MIZORAM CC Lalchhuangkima pmaymizoram@gmail.com 03892336021
      Andrew Lalbuatsaiha andrewchawngthu13@gmail.com 03892334515
    NAGALAND Jacob Zeliang jacobzeliang@yahoo.in 8974708928
    ODISHA Niharika Robi niharikam.robi@gov.in  
      Amrendra Nath Sahoo rh.odisha@gov.in  
      Srimant Kumar Samal srimant.samal@yahoo.in 06742562270
      Niladri Bihari Nanda nanda.niladri@gmail.com 06742322892
      Girish S N rh.odisha@gov.in 06742392906
      Kulamani Mishra kulamani.mishra@gov.in 06742322892
      Kulamani Mishra rh.odisha@gov.in 06742393480
      Deoranjan Kumar Singh prsec.or@nic.in 06742536680
    PUDUCHERRY Rudra Goud P T ptrudragoud@gmail.com 04132203601
      Maran K drda.pon@nic.in 0413-2203601
    PUNJAB Pradeep Sethi pardeepcherry513@gmail.com 01725063428
      Amandeep Kaur pmayg.pb.fin@gmail.com 01725063426
      Charanjit Singh iaypunjab@gmail.com 01725099016
      Nikhil Manchanda pmayg.pb.mis@gmail.com 01725063428
      Sandeep Kaur iaypunjab@gmail.com 01725063426
      Neelima IAS neelima104@gmail.com 01725058900
      Rahul Manchanda iaypunjab@gmail.com 01725063428
      Seema Jain fcr.rdp@punjab.gov.in 01722753189
    RAJASTHAN Rk Jain pdengg_rdd@yahoo.com 01412385830
      Jay Pal Singh Meditiya pdengg_rdd@yahoo.com 01412227177
      Jay Pal Singh Medatiya pdengg.rd@rajasthan.gov.in 01412227177
      Rajesh Sharma prsecretaryrdpr@gmail.com 01412227176
    SIKKIM C. Gyamtso kalvinchoden603@gmail.com 9832022207
      Sharmila Rai sharmila58rai@gmail.com  
      P Senthil Kumar specialsecretaryrd@gmail.com  
      Sisum Wangchuk Bhutia sisumwangchuk@gmail.com  
      Naresh Pradhan mismanager.rmdd-sik@gov.in 09933718800
    TAMIL NADU R Karthikeyan iayschemetn@gmail.com  
      A Thiagarajan iay-tn@nic.in  
      F Abdul Razick iay-tn@nic.in  
      Mrs Poompavai iayschemetn@gmail.com  
    TELANGANA CH SATYA MURTHY chatyamurti@yahoo.com  
      Haron Rachid harunrachid_ddo@yahoo.com  
      ANAR UDDIN anar.edu.nic.in@gmail.com  
    TRIPURA Vikas Singh vikassingh2k6@gmail.com  
      Ujjal Chakraborty ujjal7714@gmail.com  
      Sukanta Debnath sukanta.nicsi@gmail.com 03823262024
      Shivani Dey ruralhousing.trp@gmail.com 03812418091
      Sabitri Debbarma sabitridebbarma88@gmail.com 03812418091
    UTTAR PRADESH A K SINGH pmaygup@gmail.com 05222286211
    UTTARAKHAND Vandana Singh jd.drdacell2@gmail.com 01352714133
      Vivek Kumar Upadhaya jd.drdacell2@gmail.com 01352714133
      Churchill Kumar Tomar jd.drdacell2@gmail.com 01352714133
      Manisha Panwar prsecyuk.rd@gmail.com 01352714389
    WEST BENGAL Sonali Datta Ray sonaldattaray@gmail.com 03323356162
      Dibyendu Sarkar dibyasarkar@gmail.com 03323346114
      Amrita Bhaduri iaymiswb@gmail.com 03323406520
      S.K. Das saurabhdas136@gmail.com  

    PMAYG FAQ

    1. How to Get a Home Loan in Rural Area Under PMAYG Scheme?

      You can apply for a home loan in a rural area under the PMAYG scheme through online and offline methods. To apply online, you need to visit the official website of the Pradhan Mantri Awas Yojana, fill in your details, download the application form, print it out, and submit it at the Common Service Centre (CSC) Office and bank along with your supporting documents. You can also alternatively visit the Common Service Center directly or a bank that is listed under the PMAY scheme.

    2. How to Check my Name in PMAY Gramin List 2021?

      After you have submitted your application for the PMAY Gramin list, you can check if your name has been included in the beneficiary list by checking on the official website of the Pradhan Mantri Awas Yojana under the option for ‘'Citizen Assessment’' and then ‘'Track Your Assessment Status’'. For more detailed steps, refer how to check PMAY list.

    3. How to Check PMAYG Application Status?

      You can easily check your PMAYG application status online on the official website of the Pradhan Mantri Awas Yojana. You can track the status of your application either by entering your assessment ID or using your name, mobile number, and father’s name. You can check out the detailed step-by-step procedure for checking your PMAYG application status, complete with screenshots for a better understanding,

    4. Can I Avail PMAY Subsidy on Existing Home Loan?

      The PMAY subsidy can only be claimed for new home loans, so existing home loans are not eligible for it. However, if you are going to apply for a new home loan and the PMAY subsidy, you can calculate exactly how much your subsidy amount will be and how much you will save by using the PMAY subsidy calculator.

    5. What is PMAGY (Pradhan Mantri Adarsh Gramin Yojana)?

      PMAGY, or Pradhan Mantri Adarsh Gramin Yojana, aims at providing villages with a population of 50% and above a holistic and comprehensive development program. This will be achieved through the synchronisation of state/UT and central government programs.

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