PM Awas Yojana Gramin
A Free Pucca House — Up to ₹1.30 Lakh for Rural Families

What Is PMAY Gramin — And How the Money Reaches You

Pradhan Mantri Awas Yojana – Gramin (PMAY-G) was launched in April 2016, replacing the earlier Indira Awaas Yojana. It provides financial assistance to eligible rural households to construct a new pucca house or upgrade a dilapidated one. Unlike PMAY Urban which works through banks, PMAY-G transfers money directly to the beneficiary's bank account in installments as construction progresses.

The beneficiary builds the house themselves — using their own design, their own labour or family labour, and buying materials locally. The government's role is to fund it, ensure quality through geo-tagged photograph verification, and provide technical support through trained masons. This approach has proven faster and more corruption-resistant than contractor-built houses.

The grant amount is ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly states, difficult terrain, and Integrated Action Plan (IAP) districts (North-East, Himalayan states, LWE-affected districts). Additionally, the beneficiary gets 90 days of MGNREGA wages for self-construction — approximately ₹18,000–20,000 in most states.

How the Installments Work

Money is released in three installments, triggered by construction milestones verified through geotagged photos on the AwaasSoft app:

• First installment (₹40,000): Released when foundation is complete
• Second installment (₹50,000–60,000): Released when walls are up to lintel level
• Third installment (₹30,000–40,000): Released when roof is complete (and toilet if under SBM)

Who Is Eligible for PMAY-G — Beneficiary Selection Process

PMAY-G beneficiaries are not selected by application. The government selects them from the Socio-Economic Caste Census (SECC) 2011 data and the Awaas+ survey, based on housing deprivation scores. You cannot "apply" in the traditional sense — you are selected based on your socio-economic conditions.

Priority Order for Selection

• Highest priority: Families with no house at all (homeless)
• Second priority: Families living in 0-room or 1-room kutcha (non-permanent material) houses
• Third priority: SC/ST families, minorities, and freed bonded labourers
• Fourth priority: Families with disabled members, widows, or ex-servicemen

How to Get Your Name Added (Awaas+ Survey)

If you were not covered in SECC 2011 and believe you qualify, contact your Gram Panchayat Secretary or Block Development Officer (BDO) for inclusion in the Awaas+ survey. The survey team visits, assesses your housing conditions, and adds deserving families to the waiting list. This is the only way to enter the system after SECC data.

How to Check If Your Name Is in the PMAY-G List — Step by Step

1. 1
   Visit pmayg.nic.inGo to pmayg.nic.in, the official PMAY-G portal. Click on "Awaassoft" then "Report" section.
2. 2
   Select Your State, District, Block, and VillageNavigate through the location hierarchy to find your village's beneficiary list. All sanctioned beneficiaries are publicly listed.
3. 3
   Search by Registration Number or NameYou can search for your specific name in the beneficiary list. If found, you will see your registration number, sanctioned amount, and payment installments released.
4. 4
   Track Installments via AadhaarVisit pmaymis.gov.in and use "Track Your Assessment Status" with your registration number to see which installments have been released and which are pending.

Frequently Asked Questions — Verified 2025

• My name is in the list but installment is not coming — why?+
  Common reasons: (1) Bank account not Aadhaar-seeded — get it linked at your bank. (2) Geotagged construction photo not uploaded — contact your local Panchayat technical assistant. (3) Freeze on account due to PFMS validation error — visit BDO office for resolution. (4) Toilet construction pending — final installment requires toilet photo upload.
• Can a widow in her own name apply for PMAY-G?+
  Yes. PMAY-G explicitly prioritises widowed, separated, and single women heads of household. If a widow lives in a kutcha house or has no house, she should contact the Gram Panchayat immediately for inclusion in the waiting list. Her name can be included in the Awaas+ survey as the primary beneficiary.
• Is ₹1.20 lakh enough to build a complete house?+
  The ₹1.20–1.30 lakh grant is a subsidy, not the full cost. A basic 25 sqm pucca house typically costs ₹2–4 lakh depending on the state and material costs. The expectation is that the beneficiary contributes savings, family labour (which reduces costs significantly), and/or takes a top-up loan. The MGNREGA wages of ₹18,000–20,000 and SBM ₹12,000 also contribute. Many beneficiaries pool the grants and labour over 12–18 months to build a decent house.

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