Pradhan Mantri Awaas Yojana - Gramin

Key facts

Assistance	₹1.20 lakh (plain areas) / ₹1.30 lakh (hilly, difficult & IAP areas)
Paid as	Instalments tied to construction stages, via DBT
Extra support	Toilet (Swachh Bharat Mission) + about 90–95 days of MGNREGA wages
For	Rural families that are houseless or living in a kutcha house
Implemented by	Ministry of Rural Development
Official portal	pmayg.nic.in
Application window	Open all year for eligible beneficiaries.

Benefits

Beneficiaries receive a one-time subsidy of ₹120,000 for house construction, with additional support for toilets and employment under MGNREGA.

Who can apply

Household income ≤ ₹1,20,000/year
poor household
no government employee in family
not income tax payer

Eligible applicants include houseless households and those living in inadequate housing, with a maximum income limit of ₹120,000. Exclusions apply to government employees and income tax payers.

Who is not eligible

Families that already own a pucca house anywhere in India
Households with a government employee
Income-tax paying households
Households above the scheme’s income limit or owning specified assets (motorised vehicle, mechanised farm equipment, or a high credit-limit Kisan Credit Card)

How to apply

Applications can be submitted through the official PMAY-G portal or local government offices.

Visit the official PMAY-G website.
Register using your Aadhaar number.
Submit required documents including Aadhaar and job card.
Fill out the application form for housing assistance.
Submit the application to the local Gram Sabha for verification.
Wait for approval and fund disbursement to your bank account.

Apply on the official website ↗

Documents required

Aadhaar number and self-attested copy of Aadhaar Card
Job Card registered with MGNREGA
Bank account details
Swachh Bharat Mission (SBM) number
Affidavit stating no ownership of pucca house

Common problems and how to fix them

Problem	What to do
Your name is not in the PMAY-G list	The list is drawn from verified surveys (SECC / Awaas+). Contact your Gram Panchayat or block office to check inclusion or file an appeal.
Instalment delayed	Instalments release as each construction stage is verified and geo-tagged. Follow up with the block or Panchayat office after completing each stage.
Aadhaar or bank not seeded	Get your Aadhaar linked to your bank account so the DBT instalment can reach you.
Confused with PMAY-Urban	PMAY-G is a rural construction grant. If you live in a town or city and are taking a home loan, that is PMAY-Urban — a loan interest subsidy, not a grant.

Relevant links

Beneficiary details (AwaasSoft) ↗

Contact information

Toll-free1800-11-6446
Emailsupport-pmayg@gov.in

Frequently asked questions

Who qualifies as a houseless household?

A houseless household is defined as one without any shelter or living in a house with inadequate conditions, such as kutcha walls and roofs.

What documents are needed to apply?

Applicants must provide an Aadhaar number, job card, bank account details, SBM number, and an affidavit confirming no ownership of a pucca house.

How is the subsidy amount disbursed?

The subsidy is transferred directly to the beneficiary's Aadhaar-linked bank or post office account upon approval.

Can I apply if I am a government employee?

No, government employees are excluded from eligibility for this scheme.

What is the minimum size of the house funded under this scheme?

The minimum size of the house must be 25 square meters, which includes a designated area for cooking.

Is the PMAY-G money a loan?

No — it is a direct construction grant that you do not repay.

Can I get it if I own land but no house?

Owning land is fine; the disqualifier is already owning a pucca house.

Key terms explained

PMAY (Pradhan Mantri Awas Yojana): The central housing scheme that helps eligible families build or buy a pucca (permanent) house.

Always confirm the latest details on the official portal before applying.