How to apply for PMAY-G via Awaas+ — complete 2026 guide

As of January 2026, MoRD AwaasSoft dashboard shows ~3.4 crore PMAY-G houses sanctioned cumulatively since 2016, of which ~3.05 crore completed, and Awaas+ 2024 fresh survey has captured over 4.1 crore additional household entries from across 6.45 lakh villages — the data is being processed for inclusion in the expanded 2 crore-house tranche approved by Cabinet in August 2024.

Pradhan Mantri Awaas Yojana — Gramin (PMAY-G) is the rural component of PMAY (the urban component is PMAY-U / PMAY-U 2.0, see related links). It was restructured from the erstwhile Indira Awaas Yojana (IAY) in April 2016 with an objective of “Housing for All” in rural areas by 2024 — extended in August 2024 for another 2 crore houses through FY 2028-29.

Awaas+ 2024-25 is the exclusion-survey instrument that allows fresh enrollment of households who were not captured in the original SECC 2011 (Socio-Economic and Caste Census 2011) Permanent Wait List. It runs through the AwaasPlus 2024 mobile app with two modes: household self-survey (any family member with the app and a smartphone can register) and enumerator-driven survey by panchayat staff.

To be eligible under PMAY-G:

• Family living in a kachcha house (zero-room, one-room or two-room with kachcha walls and kachcha roof) in a rural area.
• Annual household income up to ₹15,000 per month (revised in Aug 2024 — earlier ₹10,000).
• Family does not own any motorised two/three/four-wheeler / agricultural equipment / fishing boat (with relaxed limits in Aug 2024 — see exclusion criteria below).
• Family does not own a refrigerator or landline phone (relaxed in Aug 2024).
• No member is a Government employee earning more than ₹15,000/month.
• Family does not pay income tax / professional tax.
• Family does not own land of 2.5 acres irrigated or 5 acres unirrigated (relaxed in Aug 2024).
• Aadhaar of head of family + at least one bank account in head's name.
• Not a beneficiary of any other Government housing scheme (PMAY-U, state housing schemes).

The exclusion criteria were significantly relaxed in August 2024 — the Cabinet allowed families with a two-wheeler or a small fishing boat or a small electric appliance to remain eligible, recognising the changed rural reality.

The legal anchor is the MoRD scheme guidelines (PMAY-G Framework for Implementation, restructured 2016, amended 2024) and NREGA convergence under the Mahatma Gandhi National Rural Employment Guarantee Act, 2005.

• Go to https://pmayg.nic.in → “Stakeholders” → “IAY/PMAYG Beneficiary” → enter Aadhaar and search.
• If you are already in the list (sanctioned or unsanctioned), you don't need a fresh Awaas+ enrollment.
• If not in the list, proceed to Step 2.

• Open Google Play Store → search “AwaasPlus 2024” (publisher: Ministry of Rural Development).
• Install and open. Permissions required: camera, location, storage (for geo-tagging the house photo).
• Login as “Self-Survey” with Aadhaar OTP.
• The app works in offline mode also — you can capture data and sync when connectivity returns.

If you don't have a smartphone, the panchayat sevak in your village has a tablet with the same app and is doing enumerator-driven surveys — request them to register your family.

The app collects:

• Personal: Aadhaar of head of family + all members, mobile number.
• House details: number of rooms, wall material, roof material, floor type, condition.
• Toilet status: whether household has a functional toilet (links to SBM-G data).
• Income: monthly household income.
• Assets: two-wheeler, refrigerator, etc. (used for exclusion check; relaxed criteria apply).
• Land holding: dryland / wetland in acres.
• Bank account: Aadhaar-seeded account for DBT.
• House photo: 4-side geo-tagged photographs of the existing kachcha house.
• Family photo: all members with the head of family.

Submit. Application number is generated; SMS confirmation sent.

• Tier 1 (Panchayat): the Panchayat Secretary / Sevak does field verification — visits your house, takes fresh geo-tagged photos, cross-checks the self-declaration. This usually happens within 30-60 days.
• Tier 2 (Block — BDO): the Block Development Officer scrutinises the panchayat-endorsed list, runs duplicate / exclusion checks against AwaasSoft MIS.
• Tier 3 (District — DRDA): the District Rural Development Agency, headed by the Project Director (DRDA), finalises the list and ratifies the Gram Sabha resolution.

• The eligible list is read out at the Gram Sabha for objections, complaints, and final approval.
• The sequence on the priority list is decided by automated scoring (kachcha house category, vulnerability indicators, SC/ST/widow/disabled/minority weightage, etc.).
• Once Gram Sabha resolves, the Permanent Wait List (PWL) for your panchayat is updated on AwaasSoft.

Once your name moves up the PWL and a fund tranche reaches your block:

• Sanction order is uploaded on AwaasSoft and SMS sent.
• Installment 1: ₹30,000 (25%) — at sanction / foundation stage.
• Installment 2: ₹45,000 (37.5%) — at lintel level (verified via geo-tagged photo upload by panchayat).
• Installment 3: ₹30,000 (25%) — at roof-cast stage.
• Installment 4: ₹15,000 (12.5%) — at completion + toilet construction confirmed.

For hilly states, North East, J&K, Ladakh, and IAP districts, total assistance is ₹1,30,000 (split similarly across four installments).

• The MGNREGA convergence automatically allocates 90 days of unskilled wage labour (95 days in hilly areas) to the head of family for working on the construction of their own house — paid as MGNREGA wages at the prevailing state rate.
• Swachh Bharat Mission - Gramin (SBM-G) provides ₹12,000 for toilet construction (separate DBT).
• PMAY-G + MGNREGA wages + SBM-G toilet together typically cover ₹1.55 lakh - ₹1.65 lakh of construction cost. Beneficiary contribution (cash or kind) usually closes the gap.

After completion, the panchayat takes a final geo-tagged photo of the completed house and uploads it. Your record on AwaasSoft is marked “completed” and the final installment is released. You can download a House Completion Certificate from pmayg.nic.in.

+-----------------------------------+----------------------------------------+
| Component                         | Amount / Detail                        |
+-----------------------------------+----------------------------------------+
| Awaas+ 2024 self-survey (app)     | NIL fee. Free download from Play Store.|
+-----------------------------------+----------------------------------------+
| Enumerator-driven panchayat       | NIL fee. Refuse all "service" demands. |
| survey                            |                                        |
+-----------------------------------+----------------------------------------+
| Plain area assistance (PMAY-G)    | ₹1,20,000 in 4 installments (30K /     |
|                                   | 45K / 30K / 15K).                      |
+-----------------------------------+----------------------------------------+
| Hilly / NE / IAP assistance       | ₹1,30,000 in 4 installments.           |
+-----------------------------------+----------------------------------------+
| MGNREGA convergence wages         | 90 days (95 hilly) × prevailing state  |
|                                   | wage rate (~₹220-₹350/day).            |
+-----------------------------------+----------------------------------------+
| SBM-G toilet                      | ₹12,000 — separate DBT, on             |
|                                   | construction completion.               |
+-----------------------------------+----------------------------------------+
| Loan top-up (optional)            | Up to ₹70,000 from any commercial bank |
|                                   | / RRB / co-op bank, against the PMAY-G |
|                                   | sanction. Interest at standard rate.   |
+-----------------------------------+----------------------------------------+
| Geo-tagging photo upload          | Free. Done by panchayat with their     |
|                                   | tablet / phone.                        |
+-----------------------------------+----------------------------------------+
| RTI for stuck application         | ₹10 by IPO to PIO MoRD / DRDA / BDO.   |
|                                   | BPL applicants free.                   |
+-----------------------------------+----------------------------------------+

• Aadhaar not seeded with bank account — DBT installments will not credit. Visit your bank with Aadhaar and request seeding.
• House photo not geo-tagged — the verifier's app failed to capture coordinates (often due to poor GPS in remote areas). Re-do the photo with location ON.
• Multiple Aadhaars / family declarations — duplicate detection rejects. Make sure only one family-head declaration exists per household.
• Existing pucca house in family (even one inherited from in-laws) — disqualification. Complex cases of joint family / partition are common stuck points.
• Income certificate showing > ₹15,000/month — disqualification. Re-do income certificate with current income only.
• SECC 2011 list mismatch — name in SECC under different spelling. The Awaas+ MIS attempts auto-merge but sometimes flags a duplicate.
• Land ownership unclear — land for construction must be in the head's or family's name. Tenants on others' land are not eligible without consent.
• Block fund tranche not released — even after sanction, money waits at the block treasury. Common at end of fiscal year (March-April).
• Photo at lintel / roof stage not uploaded — the panchayat sevak's delay; chase the BDO.

• Walk into the panchayat office with your application number.
• Ask in writing for the file movement and current pendency.
• Best for: photo upload pending, verification not done.

• Visit the BDO office with your application number and panchayat acknowledgement.
• Ask the BDO (or the Assistant Engineer (AE), PMAY-G if posted) for the AwaasSoft status and the block-level objection (if any).

• District-level escalation. Best for: panchayat-block coordination failures, fund release issues.
• Email is on the district website.

• PMAY-G helpline: 1800-11-6446 (8 am – 8 pm, Mon-Sat).
• Email: support-pmayg[at]gov[dot]in.
• CPGRAMS: https://pgportal.gov.in → ministry “Ministry of Rural Development” → “PMAY-G”.

The MoRD, the State Rural Development Department, the DRDA, the Block Office (BDO), and the Gram Panchayat are all public authorities under §2(h) of the RTI Act 2005. The Gram Panchayat's PIO is typically the Panchayat Secretary; the BDO functions as PIO at block level.

RTI helps here when:

• Your name is missing from the provisional / Gram Sabha-ratified list despite Awaas+ enrollment — RTI to PIO, BDO Office, [your block] asking for: copy of the panchayat-endorsed list, your eligibility scoring, and reason for exclusion.
• Your sanction is shown on AwaasSoft but installments have not credited — RTI to PIO, DRDA / Project Director, [your district] asking for the fund release register and DBT statement against your sanction.
• Photo at lintel / roof stage was uploaded by you / your panchayat sevak but the next installment is stuck — RTI to PIO BDO for the AwaasSoft transaction history of your application.
• The SECC 2011 inclusion / exclusion in your case was wrongly recorded — RTI to PIO, BDO for the SECC 2011 entry copy and the auto-merge log.
• Gram Sabha resolution is shown as “passed” but you weren't notified — RTI to PIO Panchayat for the Gram Sabha minutes book extract.
• The MGNREGA wages for your house construction were not paid — RTI to PIO Panchayat / BDO for the muster roll and wage payment register.

See: RTI in 12 simple steps — for first-time filers.

RTI does NOT help here when:

• Your house is genuinely pucca by scheme definition — RTI cannot redefine eligibility.
• You want to pre-jump the wait-list ahead of more vulnerable families — the priority is determined by an automated, weighted score.
• You want a higher assistance amount than the scheme prescribes — assistance ceilings are policy decisions.
• You want a personal opinion on what house design to adopt — RTI gives existing records, not architectural advice.
• For state housing schemes (Indira Gandhi Awas Yojana, Mukhya Mantri Awas Yojana variants) — those are governed by separate state rules; RTI to the State Rural Development Department, not MoRD.

Q. I am a tenant on others' land. Can I get PMAY-G?
Not directly — PMAY-G is for owner-built houses. The land must be in your or your family's ownership. Some states have homestead grant schemes (e.g., Bihar's Mukhya Mantri Gramin Awas Sthal Yojana) that allot government land first; combine with PMAY-G after.

Q. The panchayat sevak is asking for ₹2,000 to “process” my Awaas+ form. Is this legal?
No. All Awaas+ services are free. Refuse, demand a written receipt, complain in writing to the BDO. Anti-corruption complaint to the State Lokayukta and CPGRAMS.

Q. I already have a 1-room kachcha house — am I eligible?
Yes — PMAY-G is meant precisely for households with houseless / 0-room / 1-room / 2-room kachcha houses (kachcha walls and roof). Photo evidence captured during Awaas+ survey is the proof.

Q. My husband and I both have separate Aadhaar-linked bank accounts. Whose account should the DBT come to?
The head of family (as declared in the application) is the DBT recipient. You can change the head with a fresh declaration at the panchayat — but only one head is accepted.

Q. The SBM-G toilet was already constructed earlier. Will I still get ₹12,000?
No. SBM-G ₹12,000 is one-time per family. If you've already received it, you only get the PMAY-G ₹1.20 / ₹1.30 lakh.

Q. Can I take a top-up loan to enhance the house design?
Yes — banks offer up to ₹70,000 as a top-up loan against the PMAY-G sanction at standard rates. This is fully your liability; the Government does not subsidise the top-up loan.

Q. The PMAY-G list shows my name but the installment hasn't come for 6 months. What should I do?
Ask the BDO for the fund-release status. If the block hasn't received the fund tranche, escalate via CPGRAMS and file an RTI to DRDA for the district-level fund release register.

• PMAY Urban / Gramin housing — full 2026 guide
• PM Vishwakarma scheme — full 2026 guide
• MUDRA Tarun loan up to ₹10 lakh — full 2026 guide
• RTI in 12 simple steps — for first-time filers
• All Indian government helplines — one master directory

Last reviewed: 26 April 2026 by RTI Wiki editorial team. PMAY-G ceilings, exclusion criteria, and Awaas+ survey deadlines were revised in August 2024; verify current figures on pmayg.nic.in or write to admin@bighelpers.in if you spot a stale figure.