PM Awas Yojana Gramin 2026 — Free Pucca House for Rural Poor | ₹1.20 / ₹1.30 Lakh Assistance: Government of India's rural housing scheme — assistance to build a pucca (permanent) house for SECC-identified rural poor; 2.92 crore houses completed since 2016.Plain Areas: ₹1.20 Lakh. Hilly / NE / LWE: ₹1.30 Lakh. Houses Completed: 2.92 Crore. Phase II Target: Mar 2029.Pradhan Mantri Awas Yojana – Gramin (PMAY-G) is the Government of India's flagship rural housing scheme, providing financial assistance to economically weaker rural households to construct a pucca (permanent) house with basic amenities. The scheme is administered by the Ministry of Rural Development.
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Active SchemeUpdated: May 2026
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PM Awas Yojana Gramin 2026 — Free Pucca House for Rural Poor | ₹1.20 / ₹1.30 Lakh Assistance
Government of India's rural housing scheme — assistance to build a pucca (permanent) house for SECC-identified rural poor; 2.92 crore houses completed since 2016
Plain Areas
₹1.20 Lakh
Hilly / NE / LWE
₹1.30 Lakh
Houses Completed
2.92 Crore
Phase II Target
Mar 2029
📖What is PM Awas Yojana Gramin 2026 — Free Pucca House for Rural Poor | ₹1.20 / ₹1.30 Lakh Assistance?
Pradhan Mantri Awas Yojana – Gramin (PMAY-G) is the Government of India's flagship rural housing scheme, providing financial assistance to economically weaker rural households to construct a pucca (permanent) house with basic amenities. The scheme is administered by the Ministry of Rural Development.
PMAY-G was launched on 20 November 2016, replacing the Indira Awas Yojana (IAY) which had been running since 1985. The transition aimed to make rural housing more accountable, faster, and digitally tracked — every house under PMAY-G is geo-tagged with photographs at each construction milestone.
Financial assistance under PMAY-G is ₹1.20 lakh per house in plain areas and ₹1.30 lakh per house in hilly states, Northeastern states, and Left Wing Extremism (LWE) affected areas. As of August 2025, of the cumulative target of 4.12 crore houses (Phase I + Phase II), 3.86 crore beneficiaries have been sanctioned and 2.92 crore houses have been completed. The scheme has been extended by the Union Cabinet to build an additional 2 crore rural houses from April 2024 to March 2029, taking the total target to 4.95 crore houses.
✅Eligibility
Identified by SECCHousehold must be in SECC 2011 Permanent Wait List (PWL) or Awaas+ 2018 list
Houseless or KutchaCurrently houseless, or living in a 0-2 room kutcha house (mud, thatch, plastic, etc.)
AreaRural area only — Gram Panchayats. Urban housing covered separately under PMAY-U
VerificationIdentified by Gram Sabha; verified by Block-level officer
DocumentsAadhaar, ration card, MGNREGA job card (if any), bank passbook
Land StatusMust own or have valid title to the plot of land (or be given land under PMAY-G land scheme)
PMAY-G At a Glance
₹1.20 L
Plain areas
₹1.30 L
Hilly / NE / LWE
2.92 Cr
Houses completed
75%
In women's name / joint
Scheme extended to March 2029 — 2 crore more houses sanctioned
The Union Cabinet has approved continuation of PMAY-G for Phase II — building an additional 2 crore pucca houses from April 2024 to March 2029. The overall cumulative target is now 4.95 crore houses. As of August 2025, 3.86 crore have been sanctioned and 2.92 crore are completed. The Phase II beneficiary list is drawn from the Awaas+ 2018 list (updated) plus the SECC 2011 Permanent Wait List.
💰How PMAY-G Money is Paid
The ₹1.20 lakh (₹1.30 lakh for hilly/NE/LWE areas) is not paid as a single lump sum. It is released in installments, linked to construction progress — verified by geo-tagged photographs at each stage:
Installment 1 — On sanction: First installment released to beneficiary's bank account after house is sanctioned and foundation work begins.
Installment 2 — Lintel level: Released after construction reaches the lintel level. Geo-tagged photo proof is uploaded by the Block official via the Awaassoft mobile app.
Installment 3 — Roof completion: Released after roof is laid and verified by geo-tagged photographs.
Final installment — Completed house: Released after the house is fully completed with toilet (Swachh Bharat Mission convergence), kitchen, and other basic amenities. The completed house must be geo-tagged.
Beyond the central PMAY-G assistance, beneficiaries can also avail: (a) ₹12,000 from Swachh Bharat Mission–Gramin for toilet construction, (b) 90-95 person-days of unskilled labour wages under MGNREGA, (c) free electricity connection under Saubhagya Scheme, (d) free LPG connection under PM Ujjwala Yojana, (e) free piped water under Jal Jeevan Mission.
PMAY-G Application Process
PMAY-G Application Process
1
Gram Sabha Selection
Selected from SECC / Awaas+ list
2
Block Verification
Officer verifies eligibility and land status
3
House Sanctioned
Geo-tagged in Awaassoft app
4
Installments Released
On verified construction milestones
Who Qualifies for PMAY-G
Who Qualifies for PMAY-G
You qualify if
- Rural household in any state of India (Gram Panchayat area)
- Listed in SECC 2011 Permanent Wait List or Awaas+ 2018 list
- Currently houseless OR living in 0-2 room kutcha house
- Own the plot of land (or eligible for land assistance)
- Household member's Aadhaar available
- No member of household already has a pucca house under any government scheme
You won't qualify if
- Family already owns a pucca house anywhere in India
- Living in an urban area / municipal corporation (apply for PMAY-U instead)
- Family member is government employee earning above ₹15,000/month
- Family member is a taxpayer (income tax or professional tax)
- Family owns kisan credit card with credit limit ₹50,000 or above
- Household member owns motorised 4-wheeler or fishing boat
Convergent Benefits (Apply Together with PMAY-G)
Convergent Benefits (Apply Together with PMAY-G)
Toilet — Swachh Bharat
₹12,000 for in-house toilet
Labour wages — MGNREGA
90-95 person-days for construction
Electricity — Saubhagya
Free connection to BPL household
LPG — PM Ujjwala
Free LPG connection for women
Water — Jal Jeevan Mission
Free piped tap connection
Insurance — PMSBY / PMJJBY
Personal & life insurance schemes
2.92 Cr
PMAY-G houses completed since 2016
Of the cumulative target of 4.12 crore (Phase I + Phase II), 3.86 crore have been sanctioned and 2.92 crore have been completed (as of August 2025). With Phase II extension to March 2029, the total target is now 4.95 crore rural pucca houses — making PMAY-G one of the world's largest housing programmes by scale.
PMAY-G Assistance by Area Type
PMAY-G Assistance by Area Type
PLAINS AREAS · YOURS
₹1.20 L
+ convergent benefits
HILLY STATES
₹1.30 L
Uttarakhand, HP, J&K
NORTHEAST
₹1.30 L
All NE states
LWE AREAS
₹1.30 L
Left Wing Extremism affected
PMAY-G — Key Milestones
PMAY-G — Key Milestones
1985
Indira Awas Yojana (IAY)
Predecessor scheme launched under Rural Development
20 NOV 2016
PMAY-G launched
Replaced IAY with digital tracking, geo-tagging, time-bound milestones
MAR 2024
Phase I target year
Original deadline for first 2.95 crore houses
APR 2024 – MAR 2029
Phase II announced
Union Cabinet approves 2 crore additional houses
AUG 2025
2.92 crore completed
Of 3.86 crore sanctioned cumulatively
JUN 2026
FY 2024-25 approvals deadline
States must complete pending approvals by 30 June 2026
⚠️Common Reasons for PMAY-G Rejection or Delay
PMAY-G applications and disbursements get delayed or rejected for these specific reasons. Watch for these:
1. Not in SECC / Awaas+ list. PMAY-G selection is NOT first-come-first-served. You must be on the SECC 2011 Permanent Wait List or Awaas+ 2018 list. If you are not listed, contact your Block Development Officer to apply for inclusion in the upcoming survey.
2. Land title issues. You must own the plot or have a legal title. If the land is in your father's name (deceased), get a succession certificate first.
3. Already a pucca house in family. If any family member owns a pucca house anywhere in India, the family is disqualified.
4. Disqualifying assets. Owning a 4-wheeler, kisan credit card with limit ₹50,000+, or being a government employee earning ₹15,000+/month all disqualify the household.
5. Aadhaar-bank mismatch. The beneficiary's Aadhaar must be linked to bank account and NPCI-mapped. Otherwise installment transfers silently fail.
6. Construction stalled or geo-tagging incomplete. Each milestone needs geo-tagged photo upload by Block official. If construction stalls or the geo-tag is not uploaded, the next installment is held.
Do not pay anyone to get listed in PMAY-G
PMAY-G beneficiary lists are drawn from the SECC 2011 and Awaas+ 2018 survey databases. No agent or middleman can "add your name" — only the Gram Sabha and Block officials can. If anyone asks for ₹5,000-₹50,000 to "get you a PMAY-G house," it is a scam. Approach your Block Development Office or call the helpline 1800-11-6446 to report it.
📝How to Apply
1
Check if you are in the SECC / Awaas+ list
PMAY-G has no separate application form for direct citizens. You must be on the SECC 2011 Permanent Wait List or Awaas+ 2018 list. Visit pmayg.nic.in or your Gram Panchayat office to check. If you are not on the list but believe you qualify, apply for inclusion via the next Awaas+ survey through your Block Development Office.
2
Gram Sabha selection
Eligible households from the SECC/Awaas+ list are taken up by the Gram Sabha (village council). The Gram Sabha approves the priority list based on need (houselessness, kutcha house condition, vulnerability). Approved names go to the Block office for verification.
3
Block verification and sanction
Block Development Officer verifies your eligibility (current housing status, land title, Aadhaar-bank linkage). Once verified, the house is sanctioned and you appear in the PMAY-G beneficiary list. You will receive a unique PMAY-G ID.
4
Begin construction and receive installments
Start construction on your land. The first installment is released as soon as work begins (foundation). Subsequent installments come at lintel, roof, and completion stages — each verified by geo-tagged photographs via the Awaassoft mobile app. The full ₹1.20 lakh (₹1.30 lakh for hilly/NE) is released over 6-12 months from sanction. Apply for convergent benefits (toilet, LPG, water) simultaneously.
ℹ️PMAY-G beneficiary selection is from SECC 2011 / Awaas+ 2018 lists — there is no first-come-first-served application. Phase II extended to March 2029 with 2 crore additional houses sanctioned.
📅Important Dates & Schedule
Predecessor Scheme (IAY)1985 — Indira Awas Yojana
PMAY-G Launched20 November 2016
Phase II PeriodApril 2024 to March 2029 (2 crore houses)
Pending Approval Deadline30 June 2026 (FY 2024-25 & 2025-26 targets)
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❓Frequently Asked Questions
PMAY-G — pmayg.nic.in
pmayg.nic.in/
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📋 Official Sources & Verification
Information verified against official government portals and gazette notifications. Read our editorial process.
AK
Researched & verified from official sources
Last reviewed
May 2026
May 2026