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    • Pradhan Mantri Awaas Yojana Gramin (PMAYG)

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    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 ‘Hosuing 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 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
    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 7 July 2020, are given below:
    State Name 2017-2018 2018-2019 2019-2020
    Arunachal Pradesh 85 747 383
    Assam 163918 84430 19585
    Bihar 715571 418016 77207
    Chhattisgarh 341439 34588 533
    Goa 28 187 44
    Gujarat 84437 35684 11913
    Haryana 7201 6686 852
    Himachal Pradesh 3151 447 73
    Jammu and Kashmir 14919 5610 883
    Jharkhand 284463 167186 28747
    Kerala 15640 876 79
    Madhya Pradesh 705949 275502 29577
    Maharashtra 230198 95285 24250
    Manipur 7663 1151 33
    Meghalaya 12347 5371 252
    Mizoram 925 997 17
    Nagaland 17 3687 332
    Odisha 409472 361516 34233
    Punjab 12794 410 54
    Rajasthan 335892 169300 38890
    Sikkim 863 43 2
    Tamil Nadu 122839 52862 8058
    Tripura 22754 7116 2067
    Uttar Pradesh 429915 174191 6387
    Uttarakhand 5971 192 4
    West Bengal 742391 286398 130908
    Andaman and Nicobar 1 286 26
    Dadra and Nagar Haveli 197 221 0
    Daman and Diu 7 0 0
    Lakshadweep 0 9 13
    Puducherry 0 0 0
    Andhra Pradesh 18679 5 0
    Karnataka 43764 7085 169
    Telangana 0 0 0

    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.

    News About Pradhan Mantri Awas Yojana Gramin

    • PMAY-G houses in Manipur to be completed by December 2020

      The Pradhan Mantri Awaas Yojana Gramin (PMAY-G), had set a target of 15,842 houses to be built for the year 2020- 2021 in Manipur. Out of this, 8,444 houses have completed the process of registration. The remaining 7,398 houses will be completed by December 2020. This was announced by Thongam Biswajit Singh who is the Minister of Rural Development and Panchayati Raj. The households for the scheme for the year 2020-21 were selected based on the Socio-Economic Caste Census (SECC). For Phase II of the year 2019 - 2020, the target was 8900 houses out of which 8425 has been sanctioned. The remaining 475 will be sanctioned by December 2020. Under Phase 1 for the year 2016 to 2017 and 2018 to 19, 9526 houses have been built. The target for Phase 1 was 9740 out of which 214 have to be completed by November 2020.

      24 November 2020

    • 90,000 applicants in Uttarakhand have yet to get benefits of the PM Gramin Awas Yojana

      According to a BJP MP, around 90,000 applications in Uttarakhand have yet to get benefits of the PM Gramin Awas Yojana. The main reason has been due to the lack of a target that has been set by the Central Government for states. The BJP MP has written a letter requesting the officer to ensure that the beneficiaries who are eligible get the benefits. Even though the money has been provided, no allocations have been provided due to no target being set.

      15 October 2020

    • PMGAY hits an all-time low with only 0.06% houses built

      Pradhan Mantri Gramin Awas Yojana (PMAY), the Central Government’s flagship scheme which aimed to provide houses for economically weak people turned up with poor numbers as only 0.06% houses could only be built during the current fiscal. 

      According to a review conducted by the rural ministry, the government which had planned to build 61.5 lakh houses this fiscal could only complete the building of 2,880 houses. The government had announced that it will achieve its target of completing 2.47 crore houses by 31 March 2022. However, in order to achieve this, 1.21 crore houses had to completed during Phase II during the period March 2019 and March 2022.  

      The internal review also stated that till now only 54% people have received the first installment, and 64% houses have been sanctioned. 

      8 October 2020

    • Only 50% houses completed under PMAY-G

      The government under Narendra Modi had launched a ‘housing for all’ scheme under the Pradhan Mantri Awas Yojana-Gramin (PMAY-G). It seems like the plan is now behind its schedule. As of now, only 50% of the targets have been reached. This had been revealed by the Rural Development Ministry. The data also shows that 1.12 crore of 2.44 crore sanctioned houses have been completed. Through this scheme, the government promised that the ‘Housing For All’ scheme would be completed by 2022.

      17 September 2020

    • PMAY-G houses in MP inaugurated by PM

      Under the Pradhan Mantri Awas Yojana – Gramin scheme, Prime Minister Narendra Modi inaugurated 1.75 lakh houses in Madhya Pradesh, across 12,000 villages in the state. All the houses were simultaneously inaugurated with the release of the ‘'grihapravesham’' plague. The work, which would have taken 125 days to complete, was completed within 40 days instead. Other schemes too have been linked with the PMAY-G scheme, such as Ujjwala, MNREGA, Swachh Bharat, and Saubhagya. The program was broadcast live with a registration of 1.25 crore people to watch it. It was broadcast across 26,548 villages and 16,440 panchayats. So far, 17 lakh households have become beneficiaries of this scheme in the state of Madhya Pradhesh. Ration entitlement slips will be provided to 37 lakh deserving people in the state from 17 September 2020, which is the Prime Minister’s birthday.

      15 September 2020

    • 2.95 crore houses under PMAY-G by March 2022

      For achieving the objective of “Housing for all by the year 2022”, the government has launched the restructured rural housing scheme, Pradhan Mantri Awaas Yojana-Gramin (PMAY-G). and the target is to construct 2.95 crore houses with basic amenities by 2022.

      The selection of beneficiaries via a three-stage validation (Socio Economic Caste Census 2011, Gram Sabha, and geo-tagging) has ensured selection of the poorest of the poor under PMAY-G. The department took a lot of measures including IT/DBT for ensuring a flow of fund to the beneficiaries account.

      27 July 2020

    • Progress report for the Rural Development Department released

      A book titled ‘Initiatives and Achievements 2019-20' was released by the Secretary of Rural Development and Panchayati Raj (RD&PR), Sheetal Nanda. This report contains the progress of the RDD of the Jammu division. 

      Sheetal Nanda had said that the booklet will be providing a window for the stakeholders to keep a lookout for the change which will take place in the rural areas of Jammu. The department will also be implementing various schemes of the state which are sponsored by the central government such as PMAY (Gramin), MGNREGA, 14th FC Award, RGSA, CD and Panchayats. These along with the 148 blocks of the Division have received their Block Development Council Chairpersons.

      The Director of Rural Development, Jammu has mentioned that under the PMAY (Gramin), poor families and families who are homeless have been provided with financial assistance. Along with this, a total of 1547 PMAY has been completed since its inception.

      24 July 2020

    • PMAY-G in Udhampur completes 1,700 homes

      The construction of houses which comes under the Pradhan Mantri Gramin Awaas Yojana is underway in Udhampur district of Ghordi village.

      Mushtaq Chowdhary, Additional Commissioner Development had said that they had been given a target of 6,949 beneficiaries in the first phase and around 1,700 homes have been completed. The target group for the scheme had been those who could not afford a house.

      He had said that the house completion rate is 70% and this is the highest in the Union Territory of Jammu and Kashmir. In Block Ghordi of District Udhampur, around 771 beneficiaries have now been selected under the Pradhan Mantri Awas Yojana (PMAY).

      08 July 2020

    • Construction of houses under PMAYG underway at Ghordi, Udhampur

      The Ghordi village in Udhampur district is witnessing the starting of construction of houses under the Pradhan Mantri Gramin Awaas Yojana. The Additional Commissioner of Development, Udhampur addressed the press saying that they had received a target of 6,949 beneficiaries in the early phase of the scheme and as many as 1,700 homes have already been completed.

      With the highest ever completion rate in the union territory of Jammu and Kashmir, the house completion rate of 70% has enabled the work to progress faster. Under the PMAY or Pradhan Mantri Awas Yojana, about 771 beneficiaries have been selected in the Ghordi block of Udhampur district.

      06 July 2020

    • Agreements signed with World Bank to provide access to affordable housing

      In a bid to help low-income groups in the state of Tamil Nadu get access to affordable housing, government of India, government of Tamil Nadu and the World Bank today signed an agreement. The agreement was signed for two projects worth $250 million to strengthen the state’s housing sector policies, institutions, and regulations. $200 million have been allotted to the First Tamil Nadu Housing Sector Strengthening Program while $50 million have been offered to Tamil Nadu Housing and Habitat Development Project.

      First Tamil Nadu Housing Sector Strengthening Program which is a first of a series of two single-tranche operations will support the government’s ongoing efforts to increase the availability of affordable housing by gradually shifting the role of the state from being the main provider to an enabler in the first operation. In the second operation, it will look to deepen these measures to make the affordable housing sector more efficient and inclusive.

      Tamil Nadu Housing and Habitat Development Project will support innovations in housing finance and strengthen housing sector institutions in the state. The funds will be used to finance the newly created Tamil Nadu Shelter Fund (TNSF).

      The $250 million loans from the International Bank of Reconstruction and Development (IRBD) have a maturity of 20 years.

      29 June 2020

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