Ministry of Rural Development
Pradhan Mantri Awas Yojana — Gramin (PMAY-G)
₹1.20 lakh (plain areas) or ₹1.30 lakh (hilly/northeastern/IAP areas) to construct a pucca house of minimum 25 sq. mt.
3 installments · ₹40,000 + ₹40,000 + ₹40,000 (plain) via DBT
PMAY-Gramin is a central government scheme under the Ministry of Rural Development to provide pucca houses with basic amenities to homeless and kutcha-house dwellers in rural areas. Eligible beneficiaries are selected from the SECC 2011 database and state-specific priority lists. Financial assistance is transferred directly to the beneficiary's bank account in three installments.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 100 years?
Is your annual family income under ₹1 Cr?
Do you live in a Rural area?
Benefit Details
₹1.20 lakh (plain areas) or ₹1.30 lakh (hilly/northeastern/IAP areas) to construct a pucca house of minimum 25 sq. mt.
Provided by Central Government
3 installments · ₹40,000 + ₹40,000 + ₹40,000 (plain) via DBT
Eligibility Criteria
Rural households that are houseless or live in zero, one, or two-room kutcha/dilapidated houses as per SECC 2011 data; priority to SC/ST, minorities, widows, disabled persons, and families with no adult male member
18 to 100 years
Up to ₹1 Cr / year
Rural
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Check Beneficiary List
onlineGo to pmayg.nic.in → click "Stakeholders" → "IAY/PMAYG Beneficiary" → enter your state, district, and block to see if your name is in the SECC 2011 beneficiary list.
Contact Gram Panchayat
offlineIf your name is in the list, visit your Gram Panchayat or Block Development Officer (BDO) office. Submit Aadhaar card, bank passbook, and land documents to initiate your application.
Complete Geo-Tagging
offlineA government official will visit your plot to geo-tag the construction site using the AwaasApp. This is mandatory before the first installment is released.
Receive First Installment
online / offlineAfter geo-tagging and sanction, ₹40,000 is transferred directly to your bank account via DBT. Begin construction immediately — the second installment is released after the plinth level is reached.
Upload Construction Progress Photos
online / offlineAfter each stage of construction, upload photos on the AwaasApp or at the Gram Panchayat. The second (plinth level) and third (roof/completion) installments are released based on photo verification.
Frequently Asked Questions
Quick Summary
Related Schemes
Jal Jeevan Mission (Har Ghar Jal)
Free piped tap water connection inside the home for every rural household — priority to BPL, SC/ST, and families with young children; Village Water & Sanitation Committee manages local supply for long-term reliability
Pradhan Mantri Awas Yojana — Urban (PMAY-U)
Interest subsidy of 3–6.5% p.a. on home loans for 20 years (CLSS) — saving ₹2–6 lakh over the loan tenure; direct construction assistance of ₹1.5–₹2.5 lakh for EWS/LIG beneficiaries; slum dwellers get pucca houses at no/nominal cost
Ramai Awas Gharkul Yojana (Maharashtra)
₹2.1 lakh (rural) or ₹2.5 lakh (urban) grant for pucca house construction + ₹12,000 toilet construction aid + 90–95 days unskilled labour under MGNREGA — all for SC and Neo-Buddhist families with no permanent house
SVAMITVA Scheme (Survey of Villages & Mapping with Improvised Technology in Village Areas)
Legal property card (title deed / Record of Rights) for your rural house — enables using property as collateral for bank loans; reduces property disputes; provides permanent digital record accessible online anytime
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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