Pradhan Mantri Awaas Yojana Gramin (PMAY‑G), launched on 1 April 2016, is the Indian government’s flagship rural housing scheme aiming to ensure “Housing for All.” It provides financial assistance for constructing pucca houses with essential amenities to eligible rural families living in kutcha or dilapidated homes.
Key Features
- 100% financial assistance via DBT — Credit to beneficiary’s account.
- Unit size: Minimum 25 sq m, including a room, kitchen, and toilet.
- Funding amount:
- ₹1.20 lakh in plains
- ₹1.30 lakh in hilly, tribal, or difficult areas.
- Convergence with other schemes: Swachh Bharat (toilets), Saubhagya (electricity), Ujjwala (LPG), Jal Jeevan (water).
- Wages through MGNREGA: 90–95 days of paid labor to support construction.
- Progress & Targets:
- Over 2.69 crore houses completed by Feb 2025.
- Scheme extended to March 2029, aiming for ~5 crore rural houses.
- Priority for vulnerable families, including SC/ST, widows, disabled, and landless.
Who Is Eligible?
- SECC 2011 listed rural families without pucca homes—kutcha walls/roof or houseless.
- Priority to families with no able-bodied adults, women heads, SC/ST, landless laborers.
- Exclusions: Households owning motor vehicles, land >7.5 acres total, refrigerators, paying income or professional tax, government employees are ineligible.
How to Apply
- Inclusion survey: State/Gram Sabha uses SECC 2011 and Awaas+ survey (started Jan 2025) to identify eligible households.
- Check beneficiary list at pmayg.nic.in under AwaasSoft → Reports.
- No direct online form; data entered by authorized local inspectors via AwaasSoft.
- FTO tracking via UMANG or PMAY‑G portal for installment and house status.
- Site construction, with MGNREGA labor wage support.
Required Documents
- Aadhaar, bank account details
- SECC 2011 inclusion proof
- Swachh Bharat, LPG, electricity usage documentation for convergence
- Declaration of non-ownership and asset status as per exclusion criteria.
How Funds Are Disbursed
- Direct Benefit Transfer (DBT): Funds are released in three installments via FTO:
- After foundation
- After walls/roof raised
- After completion & toilet/amenities installed
- Tracking: Through portal or UMANG app.
Progress & Impact
- Over 2.7 crore homes built, including:
- Maharashtra: +10.3 lakh new approvals (2025–26)
- Assam: +3.76 lakh homes announced.
- Rajasthan: +2.73 lakh homes sanctioned.
- Assam delivered 55,000 completed pucca houses in one event, along with women mason training.
Benefits & Limitations
Benefits:
- Safe, weather-resistant housing with basic amenities
- Improved health, sanitation, energy access
- Employment via MGNREGA
- Prioritizes poorest and vulnerable
Challenges:
- Delays due to fund disbursement
- Quality control issues
- Regional implementation disparities.
Summary Table
| Feature | Details |
|---|---|
| Launch | 1 Apr 2016 |
| Target | ~5 crore houses by 2029 |
| Assistance Amount | ₹1.20 L plains / ₹1.30 L hilly/tribal |
| House Size | ≥ 25 sq m with basic amenities |
| Funding Method | DBT, 3 installments |
| Labour Support | 90–95 days MGNREGA wage |
| Eligibility | SECC-listed rural poor without pucca home |
| Exclusions | Asset-rich & government-employed families |
Final Takeaway
PMAY‑G is a transformative, inclusive effort to ensure that rural India has access to safe and dignified homes with essential facilities. With seamless integration into other welfare initiatives and massive nationwide rollout, it continues reshaping rural livelihoods—despite execution challenges.
