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  • Pradhan Mantri Awaas Yojana Gramin (PMAYG)

    What is PMAYG?

    The Pradhan Mantri Awas Yojana-Gramin (PMAYG) was formed to meet the objectives of the ‘'Housing for All’' scheme by the year 2022. It is a rural housing program that aims to provide a 25-square meter pucca house which also includes basic amenities to beneficiaries of the scheme. The houses are disaster-resilient, low cost, and take into consideration the socio-cultural and geo-climatic factors. Some state governments also provide financial assistance under the scheme to purchase land for landless beneficiaries.

    The scheme was launched in January 1996 as Indira Awaas Yojana. It was restructured in April 2016 as PMAYG (iay.nic.in).

    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 Swacch 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
    PMAYG Online Registration
    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
    The latest PMAYG reports, as of 31 January 2020, are given below:
    State Name 2017-2018 2018-2019 2019-2020
    Arunachal Pradesh 0 85 68
    Assam 55404 163918 28406
    Bihar 312763 715571 250028
    Chhattisgarh 377030 341439 29973
    Goa 7 28 187
    Gujarat 99837 84437 21289
    Haryana 10904 7201 3869
    Himachal Pradesh 3910 3151 229
    Jammu and Kashmir 2221 14919 4318
    Jharkhand 197002 284463 88207
    Kerala 19166 15640 589
    Madhya Pradesh 662700 705949 159463
    Maharashtra 187932 230198 47585
    Manipur 932 7663 635
    Meghalaya 2544 12347 4009
    Mizoram 1631 925 164
    Nagaland 14 17 961
    Odisha 450710 409472 203573
    Punjab 1303 12794 247
    Rajasthan 337557 335892 70424
    Sikkim 563 863 29
    Tamil Nadu 170265 122839 30145
    Tripura 4994 22754 1915
    Uttar Pradesh 818710 429915 118852
    Uttarakhand 7666 5971 185
    West Bengal 642780 742391 49149
    Andaman and Nicobar 0 1 258
    Dadra and Nagar Haveli 1 197 213
    Daman and Diu 6 7 0
    Lakshadweep 0 0 3
    Puducherry 0 0 0
    Andhra Pradesh 27358 18679 0
    Karnataka 58683 43764 1225
    Telangana 0 0 0

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