PM Awas Yojana-Gramin

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) is a government initiative aimed at providing affordable housing to the rural poor, ensuring that families living in kutcha houses or without shelter can move into permanent homes with essential amenities.

In this article, I will offer detailed insights and information about the PM Awas Yojana Gramin.

Latest Updates

The Union Cabinet has given its approval for the implementation of the Pradhan Mantri Awaas Yojana-Gramin (PMAY-G) from the financial year 2024-25 to 2028-29 to facilitate the construction of an additional two crore houses.

As part of this initiative, the ministry has set a target of 84,37,139 houses for 18 states in the 2024-25 financial year.

Check Beneficiary List

To check the Pradhan Mantri Gramin Awas Yojana beneficiary list, follow these steps:

• Visit the official website at pmayg.nic.in.
• Click on the "Awaassoft" option in the navigation menu.
• A dropdown menu will appear; select the "Report" option.

• You will be redirected to - rhreporting.nic.in.
• In the "Social Audit Reports" section, look for the "Beneficiary details for verification" option.

• The MIS Report page will open.
• Enter the required details, such as state, district, block, and village.
• Click on the "Submit" button to view / Check the beneficiary list.

State-wise Beneficiary List

To check the state-wise Pradhan Mantri Gramin Awas Yojana list for 2025, click on a state link below, select your district, block, and village, enter the captcha, and click the submit button. The housing list for your village will be displayed after that.

Check Beneficiary Details / Status

To access PMAY-G beneficiary details/ Beneficiary status, follow these steps:

• Go to the official PM Awas Gramin portal.
• Click on the "Stakeholders" option.

• From the dropdown menu, select "IAY/PMAYG beneficiary".
• Enter your registration number and click "Submit".

On this webpage, you will find your status as a beneficiary of the PMAY-G scheme.

Registration Process

To avail the benefits of PMAY-G, interested individuals need to follow the application process outlined by the government. The steps involved in the application process are as follows:

• Gather Required Documents: Collect all necessary documents required for the application process.
• Visit the Gram Panchayat Office: Go to your local Gram Panchayat office with your documents.
• Verification by Scheme inspector: A Scheme inspector at the office will verify your details.

Once the verification process is complete, eligible applicants are approved, and financial assistance is sanctioned.

What is Pradhan Mantri Awas Yojana-Gramin?

The Government of India's Ministry of Rural Development launched the Pradhan Mantri Awas Yojana-Gramin as part of its initiative to ensure affordable housing for the rural poor.

With the vision of "Housing for All," this revamped rural housing scheme was officially inaugurated on November 20, 2016, and has been effective since April 1, 2016. It was formerly known as Indira Awas Yojana.

The objective of this initiative is to provide financial assistance and support worth ₹1,20,000 (1 lakh 20 hazar) in plain areas and ₹1,30,000 (1 lakh 30 hazar) in difficult areas (high land area) for construction of houses.

Key Features and Implementation of PMAY-G

Here are some key facts and points related to the Pradhan Mantri Awaas Yojana - Gramin (PMAY-G) scheme:

• Aim and Objective: PMAY-G aims to provide pucca houses with basic amenities to all eligible houseless households and those living in kutcha or dilapidated houses in rural areas. The goal is to construct 2.95 crore houses by March 2024.
• Financial Assistance:
  • Beneficiaries receive ₹1.20 lakh in the plains and ₹1.30 lakh in hilly states and difficult areas.
  • Additional assistance of ₹12,000 for constructing toilets, integrated with other government schemes like Swachh Bharat Mission (SBM-G).
• Target Groups: Beneficiaries are selected based on deprivation data from the Socio-Economic Caste Census (SECC) 2011 and verified by Gram Sabhas. This ensures fair targeting of the most deprived.
• Convergence with Other Schemes: The program also attempts to converge with schemes like MGNREGS for labor, Swachh Bharat Mission for toilets, and government initiatives for clean cooking fuel, piped water, and electricity.
• e-Governance Tools: The program is implemented and monitored through digital platforms like AwaasSoft and AwaasApp, ensuring real-time tracking and accountability.
• Mason Training and Skill Development: A Rural Mason Training (RMT) initiative is in place to certify masons and ensure quality construction. The initiative aims to train an adequate number of rural masons by March 2024.
• Beneficiary Support: Beneficiaries receive assistance in house design typologies suitable for local conditions, as well as guidance on using eco-friendly materials and disaster-resistant construction.
• Special Focus Areas: The scheme emphasizes using locally available materials, disaster-resilient house designs, and focuses on a saturation approach—covering entire Gram Panchayats, Blocks, or Districts where possible.

Eligibility Criteria

The primary criterion for eligibility is based on the Socio-Economic Caste Census (SECC) 2011. Families identified as houseless or living in kutcha (non-permanent) houses are eligible.

• Households without any shelter.
• People living in extreme poverty or surviving on alms.
• Individuals working as manual scavengers.
• Members of Primitive Tribal Groups.
• Legally freed bonded laborers.

How Are Beneficiaries Prioritized?

• First Layer of Priority: Based on housing needs, with specific focus on SC/ST, Minorities, and Others.
• Order of Priority: Starts with those who are houseless, followed by those living in one-room, then two-room houses with kutcha walls and roofs.
• Within Each Social Category: Households with fewer rooms or no home at all are given precedence over those with more rooms.

Special Consideration for Compulsory Inclusion

Households that meet certain criteria are automatically given higher priority within their priority group. These include:

• Households with no adult members between ages 16 to 59.
• Female-headed households with no adult male between ages 16 to 59.
• Households without any literate adults over 25.
• Families with any disabled member and no able-bodied adult.
• Landless households deriving a major part of their income from manual casual labor.

Earmarking of Targets

• For SC/ST: 60% of the targets for each state or UT are reserved for SC/STs, with the proportion of SC to ST flexible and determined by the states/UTs based on eligibility.
• For Minorities: Around 15% of the total funds are earmarked for Minorities at the national level, with state/UT allocations based on the rural population of Minorities as per the latest census.
• For Persons with Disabilities (PwDs): There's an effort to ensure that 3% of beneficiaries are PwDs, in line with the Persons with Disabilities Act of 1995.

Tie-Breaking Criteria

If there's a tie within a subgroup, priority is given based on:

• Households with widows or next-of-kin of defense/paramilitary/police forces killed in action.
• Families with members suffering from leprosy, cancer, or living with HIV (PLHIV).
• Households with a single girl child.
• Beneficiary families under the Forest Rights Act, 2006.

Exclusion Criteria

• Families owning a pucca (permanent) house.
• Families earning above a certain threshold or paying income tax.
• Families owning vehicles, agricultural equipment, or paying professional tax.

Verification Process

The eligibility and prioritization of households are verified by the Gram Sabhas using the Socio-Economic and Caste Census (SECC) data. This ensures that the assistance is targeted at those genuinely in need, making the selection process objective and verifiable.

Required Documents

For registering under the PMAY-G, the following documents are required:

• Aadhaar Number: Provide your Aadhaar number along with a self-attested copy of the Aadhaar Card. If the applicant is illiterate, a consent letter with the applicant's thumbprint is required.
• Job Card: A Job Card duly registered with MGNREGA.
• Bank Account Details: Provide both original and duplicates of bank account details.
• Swachh Bharat Mission (SBM) Number: If applicable.
• Affidavit: An affidavit stating that the beneficiaries or their family members do not own a pucca (permanent) house.

Benefits

• Financial Assistance:
  • ₹1,20,000 for homes in plain areas.
  • ₹1,30,000 for homes in hilly, difficult areas, and IAP districts like Himalayan states, North-Eastern states, and UTs of Jammu & Kashmir.
• Institutional Finance:
  • Option to take a loan up to ₹70,000 at a 3% lower interest rate for building a permanent house.
  • Subsidy is available for a principal amount up to ₹2,00,000.
• House Size: The minimum house size is 25 sq m with a space for hygienic cooking.
• Toilet Construction: Up to ₹12,000 financial assistance for toilet construction, aligning with Swachh Bharat Mission-Gramin (SBM-G).
• Employment and Training: Eligible for 95 days of work as unskilled labor at ₹90.95 per day under MGNREGA, including Rural Mason Training.
• LPG Connection: One LPG connection per house under Pradhan Mantri Ujjwala Yojana.
• Convergences: Access to piped drinking water, electricity connection, clean cooking fuel, and waste treatment through various government programs.
• Payments: Electronically made directly to Aadhaar-linked bank or post-office accounts.

Helpline Numbers

For assistance related to PMAY-G, please contact the helpline below:

Frequently Asked Questions

Below, you can find frequently asked questions and their answers.

Read FAQs