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Housing & Rural ShelterOfficial Info Verified
Pradhan Mantri Awas Yojana – Gramin (PMAY-G)
Flagship Central Government rural housing programme providing financial assistance of ₹1.20 Lakh (₹1.30 Lakh in hilly/difficult areas) alongside MGNREGA labour support and sanitation convergence for constructing a disaster-resilient pucca house.
Department: Ministry of Rural Development (Department of Rural Development), Government of India (implemented in coordination with State Panchayats & Rural Development Departments and Gram Panchayats)
Financial Grant (Plain)
₹1.20 Lakh / House
Direct DBT into Aadhaar bank account
Hilly / Difficult Areas
₹1.30 Lakh / House
Higher assistance for difficult terrain
MGNREGA Labour Support
90 – 95 Person-Days
Unskilled wage for house construction
Official National Portal
pmayg.nic.in
AwaasSoft MIS & Beneficiary Search
Language:
Scheme Overview
What is Pradhan Mantri Awas Yojana – Gramin (PMAY-G)?
Pradhan Mantri Awas Yojana – Gramin (PMAY-G), formulated and spearheaded by the Ministry of Rural Development (MoRD), Government of India, was formally launched in 2016 as the restructured and transformed successor to the erstwhile Indira Awaas Yojana (IAY). The core mission of PMAY-G is to bridge rural housing gaps and ensure that every eligible rural household without a permanent shelter can construct a disaster-resilient, eco-friendly pucca house measuring at least 25 square metres with a dedicated hygienic cooking space. Under the standard funding framework, beneficiaries in plain areas receive ₹1,20,000 (₹1.20 Lakh), while those in hilly, difficult, and Integrated Action Plan (IAP) areas receive ₹1,30,000 (₹1.30 Lakh) shared in a 60:40 ratio between the Centre and States (90:10 for North-Eastern and Himalayan States, 100% for UTs). In addition to direct cash assistance, PMAY-G integrates powerful programmatic convergence: (1) 90 to 95 person-days of unskilled wage labour under MGNREGA credited directly to the beneficiary’s Job Card; (2) ₹12,000 for toilet construction under Swachh Bharat Mission – Gramin (SBM-G) or MGNREGA; (3) Piped drinking water through Jal Jeevan Mission (JJM); and (4) Electricity connections via RDSS/Saubhagya. Beneficiaries are identified objectively through housing deprivation parameters under the Socio-Economic and Caste Census (SECC) and validated Awaas+ surveys, verified by Gram Sabhas, and prioritized on the national AwaasSoft MIS with mandatory multi-stage geo-tagged photographic inspection via AwaasApp.
Primary Purpose:To provide financial assistance and convergence benefits to all eligible houseless rural households and families living in kutcha or dilapidated houses to construct a permanent, disaster-resilient pucca house of at least 25 sq. metres with a dedicated hygienic kitchen, toilet, piped drinking water, and electricity.
Key Scheme Objectives
- Provide direct financial assistance of ₹1.20 Lakh (plain areas) or ₹1.30 Lakh (hilly areas) to construct a durable pucca house.
- Mandate a minimum carpet area of 25 sq. metres including a dedicated hygienic kitchen and cooking space.
- Converge with MGNREGA for 90–95 person-days of unskilled construction labour and SBM-G for ₹12,000 toilet support.
- Implement 100% transparent digital governance using AwaasSoft MIS, AwaasApp geo-tagging, and Direct Benefit Transfer (DBT).
Financial Framework
PMAY-G Financial Grant Structure & Convergence Architecture
PMAY-G provides a pure capital grant for rural house construction that does not need to be repaid. The funding is shared in a 60:40 ratio between the Government of India and the State Government in plain areas.
Base Housing Grant (Plain)
₹1,20,000
Base Housing Grant (Hilly/IAP)
₹1,30,000
Toilet Construction (SBM-G)
₹12,000 Extra
Minimum Carpet Area
25 Sq. Metres
Multi-Programme Convergence for a Complete Living Unit
1. Housing Construction Grant: ₹1.20 Lakh (Plain) / ₹1.30 Lakh (Hilly/Difficult) transferred via DBT in progress-linked stages. 2. MGNREGA Wage Labour: 90 person-days (in plain areas) to 95 person-days (in hilly/difficult areas) of unskilled labour wages credited to the beneficiary’s Job Card. 3. SBM-G Sanitation Assistance: ₹12,000 for constructing an individual household latrine (IHHL). 4. Jal Jeevan Mission: Functional Household Tap Connection (FHTC) providing 55 lpcd potable water. 5. Saubhagya / RDSS: Free domestic electricity connection. 6. PM Ujjwala Yojana: Subsidized LPG gas connection.
Progress-Linked Installment & Construction Flow:
Stage 1: Sanction & First Installment (Foundation Level)
Initial geo-tagged verification of the old kutcha house using AwaasApp. Once registered and verified on AwaasSoft, the 1st installment is released to lay the foundation and plinth.
Stage 2: Second Installment (Lintel / Roof Level)
Geo-tagged inspection at plinth/window-sill level confirms progress. The 2nd installment is credited to complete the walls, lintel casting, and roof level.
Stage 3: Third Installment (Final Completion & Fitting)
Geo-tagged photograph of the roofed structure is uploaded. The final installment is released for doors, windows, plastering, painting, and toilet construction.
PMAY-G vs. West Bengal’s Banglar Bari (Gramin):
PMAY-G is the Central Government’s national rural housing mission with 60:40 Centre-State cost sharing governed by MoRD guidelines and AwaasSoft. Banglar Bari (Gramin) is West Bengal’s separate state-funded rural housing scheme financed 100% from state resources. They are separate administrative programmes with distinct beneficiary databases and fund management channels.
Strict Exclusion Criteria (Who Cannot Get PMAY-G)
Households are statutorily excluded if they possess: motorized two/three/four-wheelers, mechanized 3-4 wheeler agricultural equipment, Kisan Credit Card with credit limit of ₹50,000 or above, any household member as a government employee, monthly income above ₹15,000, paying income tax or professional tax, or owning an existing pucca house anywhere.
Eligibility Guidelines
Who is Eligible to Apply?
Review standard qualifying conditions, income limits, and applicable waiver categories. Read our guide on understanding eligibility
Standard Eligibility Requirements
- Rural households living in kutcha, temporary, or dilapidated houses with zero or one/two kutcha rooms
- Inclusion in the Socio-Economic and Caste Census (SECC 2011) deprivation list or verified Awaas+ survey database
- Verification and prioritization approval by the local Gram Sabha and Block Verification Committee
- Possession of an active Aadhaar-seeded bank account and MGNREGA Job Card
Not Eligible:
- Households already owning a pucca house anywhere in India.
- Families owning motorized 2/3/4-wheelers, motorized fishing boats, or mechanized agricultural machinery.
- Households with any family member employed as a regular government/semi-government employee or earning pension.
- Households with a Kisan Credit Card (KCC) limit of ₹50,000 or above, or paying Income Tax / Professional Tax.
Central Housing Grant
₹1.20 Lakh Grant (Plain) / ₹1.30 Lakh (Hilly Areas)
Ministry of Rural Development
Direct Benefit Transfer (DBT) into the beneficiary’s Aadhaar-linked bank/post office account linked to physical construction stages.
Digital Inspection
Mandatory AwaasApp Geo-Tagging at Every Stage
Zero leakage: Geo-tagged, time-stamped photographs verified at foundation, lintel, roof, and completion before releasing payments.
Required Documentation
Commonly Required Documents
Exact document requirements can depend on the application type and applicant circumstances. View our common documents checklist
Standard
Aadhaar Card of Beneficiary & Adult Family Members
Mandatory identity and biometric verification for DBT account linking on AwaasSoft.
Standard
Aadhaar-Seeded Bank / Post Office Account Passbook
Bank passbook showing account number, IFSC code, and branch details for direct installment transfer.
Standard
MGNREGA Job Card
Required for crediting 90–95 person-days of construction labour wages directly to the worker account.
Standard
Proof of Land Ownership / Homestead Land Patta
Document showing ownership of the land/homestead plot where the house will be built.
Standard
Awaas+ / SECC Survey Registration Number
Official survey identifier tracking the household’s priority on the Permanent Wait List (PWL).
Guidance: Ensure the applicant’s bank account is active and matches the beneficiary name exactly before institutional submission.
Application Process
How to Apply for Pradhan Mantri Awas Yojana – Gramin (PMAY-G)
Step-by-step application and verification procedure based on official guidelines. Read our official portals guide
1
Identification via SECC / Awaas+ Baseline Survey
Eligible rural households are identified based on housing deprivation criteria during official government surveys.
2
Gram Sabha Scrutiny & Priority List Publication
The draft beneficiary list is scrutinized in the Gram Sabha. Ineligible names are weeded out and the Permanent Wait List is approved.
3
Geo-Tagging of Old Kutcha Site via AwaasApp
Gram Panchayat/block officials visit the site and capture geo-tagged photographs of the existing kutcha house before sanction.
4
Sanction Order & Stage-Wise DBT Installment Release
Sanction order is generated on AwaasSoft. Funds are transferred via DBT across 3 stages linked to plinth, lintel, and roof completion.
5
Final Completion Inspection & Utility Convergence
Final geo-tagged photograph is uploaded on AwaasSoft, followed by release of MGNREGA wages and convergence utilities.
Payment Method
Financial assistance (₹1.20 Lakh in plain areas, ₹1.30 Lakh in hilly/difficult areas) is transferred directly from the State/Central Nodal Account into the beneficiary’s Aadhaar-seeded bank or post office account via Direct Benefit Transfer (DBT) in progress-linked installments. MGNREGA wage components are credited directly into the beneficiary’s Job Card linked account.
Programme Launch Year:Launched in 2016 (Restructured from Indira Awaas Yojana by Ministry of Rural Development)
Important to Know
PMAY-G is a 100% government capital subsidy/grant for rural housing; it is NOT a home loan and requires no repayment.
Inclusion in the Awaas+ survey or registration list does NOT automatically guarantee immediate house sanction.
PMAY-G is strictly for RURAL areas; urban poor housing is covered separately under PMAY-Urban (PMAY-U).
Every house must have a minimum floor area of 25 sq. metres including a dedicated hygienic kitchen space.
All construction stages (foundation, lintel, roof, completion) require mandatory geo-tagged photo verification on AwaasApp.
Frequently Asked Questions
Pradhan Mantri Awas Yojana – Gramin (PMAY-G) Frequently Asked Questions
Common questions and answers regarding eligibility, benefits, documents, and application process for Pradhan Mantri Awas Yojana – Gramin (PMAY-G).
PMAY-G is a flagship Government of India rural housing programme launched in 2016 to provide pucca houses with basic amenities to eligible rural houseless families and those living in kutcha houses.
Sources Checked
All factual information on this page has been compiled and verified against official government portals, gazettes, and departmental guidelines.
Last Verified: 2026-08-19T00:00:00Z
Independent Platform Notice:
WBScheme is an independent information platform and is not the Government of India or Government of West Bengal. PMAY-G eligibility, beneficiary selection, housing assistance, payment stages and implementation details may change through Government notifications. Registration or inclusion in a survey does not by itself guarantee final approval. Always verify the latest information through official Government sources.
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