Documents required for PMAY (Gramin + Urban) application — 2026 checklist

• Aadhaar (all family members) — Identity + DBT routing
• SECC 2011 inclusion proof (PMAY-G) — Rural eligibility base; check at secc.gov.in
• Land ownership / possession documents (PMAY-G) — Patta / khasra / sale deed / community-allotment
• Income certificate (PMAY-U) — EWS Rs. 3L / LIG Rs. 6L / MIG-1 Rs. 12L / MIG-2 Rs. 18L
• Bank account passbook + cancelled cheque — For DBT routing of instalments
• Caste certificate — For priority allocation under SC/ST/Minority quotas
• Photo + family composition affidavit — Standard supporting docs
• Pre-construction site photographs — For PMAY-G geo-tag baseline
• Self-declaration of no-other-house ownership — On Rs. 10 stamp paper
• Aadhaar-bank linkage — Mandatory for DBT instalments

• PMAY-U Form (CSMC, AHP, BLC, ISSR — sub-scheme specific) — Choose right sub-scheme
• Marriage certificate — For joint ownership claim post-marriage
• Disability / Senior citizen certificate — For priority within scheme
• NOC from gram panchayat / housing society — For specific scenarios
• Construction estimates — For BLC sub-scheme of PMAY-U

• PMAY-G primary base is SECC 2011 — if your name is not on SECC, you may not qualify (some states have post-SECC additions).
• PMAY-U has 4 sub-schemes: CSMC (subsidy on home loan), AHP (Affordable Housing in Partnership), BLC (Beneficiary-Led Construction), ISSR (In-Situ Slum Redevelopment).
• Subsidy amount (PMAY-G): Rs. 1.2 lakh (plain area) / Rs. 1.3 lakh (hilly + difficult areas) released in 3-4 instalments tied to construction stages.
• Subsidy amount (PMAY-U CSMC): EWS Rs. 1.5 lakh on home loan; CLSS interest subsidy 6.5% (EWS/LIG), 4% (MIG-1), 3% (MIG-2).
• Geo-tag photos mandatory at foundation, lintel, roof, completion stages.
• One house per family — joint ownership counts as one.

BDO (Block Development Officer) for PMAY-G; Municipal Commissioner / Town Planning for PMAY-U. Online via pmaymis.gov.in (urban) or awaassoft.nic.in (rural).

→ Official source: https://pmaymis.gov.in/Open/EligibilityCriteria.pdf

If PMAY application is rejected or instalment delayed, file RTI to BDO/CMO for SECC eligibility + beneficiary list + instalment history + reason for hold.

→ Use our 🪄 AI RTI Drafter to generate a free §6(1) application asking for the rejection reason in 60 seconds.

• Q: Am I eligible for PMAY-G if not in SECC 2011? — Generally no — but Maharashtra, TN, AP have post-SECC mechanisms. Check your state.
• Q: PMAY-U sub-scheme — which to apply for? — CSMC if buying home with loan; BLC if building on own land; ISSR if slum-dweller.
• Q: PMAY-G: when do I get the money? — Rs. 1.2 lakh in 3-4 stages: 25% on sanction, 25% on foundation, 25% on lintel, 25% on completion + geo-tag.
• Q: Can I get PMAY for upgrading my existing kutcha house? — Yes — PMAY-G covers upgradation of kutcha/semi-kutcha to pucca. Documents include current house photos.
• Q: NRI eligible? — No — PMAY for Indian residents only.

1. Gather mandatory documents above before applying — saves a re-visit
2. Apply via official portal (link above) — no agent needed
3. Track status: see our status-check guides
4. If rejected for “documents inadequate”: request specific deficiency under §4(1)(d) RTI Act
5. For state-specific guidance: see state portals directory

• 🪄 AI RTI Drafter — type problem, get §6 application
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• 🔮 Outcome Predictor — score draft win-likelihood
• ⚖️ First Appeal Generator — §19(1) draft on Day 31
• 📅 Timeline Calculator — track 30-day window

• Track status: How to check pmay status
• State-by-state: Pmay across all 36 states
• If rejected, file RTI: Full RTI guide
• Citizen RTI playbook: All 100+ scenarios
• All documents checklists: All 30 checklists

• Statutory references: as cited in Specifications above
• Official portal: linked in “Where to apply” above
• RTI Act 2005 §§4, 6, 7, 19

Last reviewed: 25 April 2026.