PMAY 2026 — Complete Guide to Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana (PMAY) is India's largest housing scheme — 4.95 crore houses targeted, two parallel programs (Gramin + Urban), and a 2024 expansion (PMAY 2.0) adding 3 crore more houses. This is the single most-asked-about welfare scheme on RTI Wiki. Here's everything you need — eligibility, subsidy, application, status check, what to do when stuck.

• Two schemes: PMAY-G (Gramin / rural — Ministry of Rural Development) + PMAY-U (Urban — Ministry of Housing & Urban Affairs).
• PMAY 2.0 launched 1 September 2024: 3 crore additional houses approved by Cabinet (1 cr Urban + 2 cr Gramin).
• Subsidy (Gramin): ₹1.20 lakh (plain), ₹1.30 lakh (hilly/IAP).
• Subsidy (Urban): up to ₹2.50 lakh (BLC/AHP) + Interest Subsidy Scheme on home loans up to ₹25 lakh (₹1.80 lakh max ISS).
• Eligibility (Gramin): SECC 2011 + Awas+ 2018 list.
• Eligibility (Urban): EWS ≤ ₹3 L · LIG ₹3–6 L · MIG-1 ₹6–12 L · MIG-2 ₹12–18 L (annual household income).
• Status check (G): awaassoft.nic.in → IAY/PMAYG Beneficiary
• Status check (U): pmay-urban.gov.in → Search Beneficiary
• Helplines: 1800-11-6446 (G) · 1800-11-3377 (U)
• Stuck? File a free RTI — drafted in 60 seconds via AI RTI Drafter.

1. What is PMAY
2. PMAY-G vs PMAY-U — what's the difference
3. PMAY 2.0 — what's new in Sept 2024
4. Eligibility — am I eligible?
5. Subsidy amounts — how much will I get?
6. How to apply — step by step
7. Documents you need
8. Status check — Gramin + Urban
9. How to read the beneficiary list
10. If your application is stuck
11. How to file a free RTI
12. FAQ — 15 most asked questions

PMAY is the Government of India's flagship “Housing for All” scheme. It replaced the older Indira Awas Yojana (IAY) and Rajiv Awas Yojana on 1 April 2016 (Gramin) and 25 June 2015 (Urban).

Its goal: build pucca houses with basic amenities (toilet, water, electricity, LPG) for every eligible family. Two ministries run two parallel programs:

• PMAY-G (Gramin) — for rural households, run by Ministry of Rural Development.
• PMAY-U (Urban) — for urban households, run by Ministry of Housing & Urban Affairs.

The original mandate (2015–2022) covered ~3 crore houses. PMAY 2.0, approved by the Union Cabinet on 9 August 2024 and launched on 1 September 2024, adds 3 crore more houses through 2029.

The Cabinet Note dated 9 August 2024 approved PMAY 2.0 with these key changes:

• 3 crore additional houses (1 cr urban + 2 cr rural) over 2024–2029.
• PMAY-U 2.0 restructured into 4 verticals:
  1. Beneficiary-Led Construction (BLC) — you own land; ₹2.50 lakh subsidy in 4 instalments tied to construction stages.
  2. Affordable Housing in Partnership (AHP) — government/PPP builds; you buy at subsidised rate.
  3. Affordable Rental Housing Complex (ARHC) — rental for migrants/working women.
  4. Interest Subsidy Scheme (ISS) — 5% interest subsidy on home loans up to ₹25 lakh value, max subsidy ₹1.80 lakh disbursed in 5 yearly instalments. Replaces the old CLSS-MIG (which closed in March 2022).
• Awas+ list formally incorporated into PMAY-G beneficiary base (post-SECC 2011 additions from the 2018 survey app).
• Higher unit cost in difficult areas: ₹1.30 lakh in NE states, hilly states, J&K, UTs of Ladakh, Andaman, Lakshadweep, Tribal Sub-Plan areas.
• Aadhaar-based DBT mandatory: no Aadhaar–bank link = no instalment release.
• Geo-tagging mandatory: photos at foundation, lintel, roof, completion uploaded by Patwari/JE via AwaasApp.

You're eligible if all are true:

1. You're an Indian resident (not NRI).
2. You're listed in SECC 2011 under one of the deprivation criteria, OR in the Awas+ 2018 list (post-SECC additions).
3. You don't already own a pucca house in any name in India.
4. You own or possess land for construction (patta, khasra, pattadhar in your name).
5. You don't fall in the auto-exclusion criteria (any one excludes):
   • Motorised 2/3/4-wheeler / fishing boat
   • Mechanised 3/4-wheeler agricultural equipment
   • Kisan Credit Card with limit ≥ ₹50,000
   • Salaried household member earning > ₹10,000/month
   • Government employee in family
   • Land registered to you ≥ 2.5 acres irrigated / 5 acres unirrigated
   • Refrigerator / landline phone

• Indian resident, age 18+
• Annual household income within slabs:
  • EWS ≤ ₹3 lakh (priority)
  • LIG ₹3 – ₹6 lakh
  • MIG-1 ₹6 – ₹12 lakh (ISS only, no construction subsidy)
  • MIG-2 ₹12 – ₹18 lakh (ISS only)
• Family doesn't own pucca house in any city in India in any name.
• For EWS/LIG: house must be in woman's name (or jointly with husband).
• For ISS: home loan in qualifying scheduled commercial bank / HFC.
• Aadhaar mandatory.

→ Check your PMAY status now · Master RTI guide for PMAY

Effective total: ₹1.55 – 1.70 lakh (when you claim all convergence benefits).

1. You don't apply directly — eligibility is from SECC/Awas+ list (already done).
2. Visit your Gram Panchayat / BDO office with Aadhaar + bank passbook + land documents.
3. BDO verifies and adds you to the Permanent Wait List (PWL) if eligible.
4. Wait for sanction — typically 60–90 days after PWL listing in active districts.
5. On sanction: 1st instalment (25%) credited to your bank.

1. Visit pmay-urban.gov.in → “Apply Now”.
2. Click vertical (BLC / AHP / ARHC / ISS).
3. Fill personal details (name, father's name, mobile, Aadhaar — verified via OTP).
4. Income proof: ITR / salary slip / Form 16.
5. Address: current + permanent (Aadhaar-matched).
6. Click submit → you get an Application Reference Number (ARN) — save it.
7. Track on the same portal under “Search Beneficiary” using ARN.

Alternative: walk-in to your Town Planning office / Municipal Corporation / DUDA — most accept paper applications and digitise on your behalf.

• Aadhaar card (front + back, mobile-linked)
• Bank passbook (Aadhaar-seeded, IFSC visible)
• Land documents — patta / khasra / khatauni / RTC, in your name OR your spouse's name (joint holding OK)
• Caste certificate (SC/ST/OBC if applicable, from Tehsildar)
• Disability certificate if applicable
• MGNREGA job card (helps for the 90-person-day convergence)
• Photo — passport-size, recent

• Aadhaar (mandatory, mobile-linked)
• PAN card
• Latest ITR (last 2 years preferred) OR Form 16 OR salary certificate (for EWS/LIG who are not in tax net: ration card + employer letter)
• Bank statement (last 6 months)
• Address proof (electricity bill / rent agreement / Aadhaar)
• Land/property documents if applying under BLC (sale deed / property tax receipt / pattanama)
• Photos — passport-size
• Marriage certificate (if joint application with spouse)
• Caste certificate (SC/ST/OBC applicable)
• Disability certificate if applicable
• For ISS: bank loan sanction letter (Form 1B available on portal)

→ Full PMAY documents checklist with download templates

1. Open awaassoft.nic.in.
2. Top menu: Stakeholders → IAY/PMAYG Beneficiary.
3. Enter 17-digit Registration Number OR use Advanced Search with State + District + Block + Panchayat + name.
4. Status shows: SECC eligibility → Verification → Sanction → 1st instalment → Foundation geo-tag → 2nd instalment → Lintel → 3rd instalment → Roof / Completion → Final geo-tag → Final instalment.

1. Open pmay-urban.gov.in (legacy at pmaymis.gov.in still mirrors).
2. Click Search Beneficiary.
3. Enter Name + Father's name + State, OR Aadhaar number, OR Application Reference Number.
4. Status across 8 stages from Application → Verified → Sanction → 4 tranches → Completion + DBT.

→ Full status-check guide with screenshots + RTI escalation

If you want to see everyone in your panchayat / ward who got PMAY:

1. Go to awaassoft.nic.in → Reports → Beneficiary → State-wise / Panchayat-wise.
2. Drill down: State → District → Block → Panchayat → click “Beneficiary List”.
3. Excel/PDF download available.

For PMAY-U, Open Government Data Portal hosts a JSON dataset under data.gov.in — search “PMAY beneficiary”.

→ How to read + verify the PMAY beneficiary list (with anti-fraud tips)

The published SLA is 60–90 days for sanction. If status is stuck beyond it, you have a statutory right under §6 RTI Act, 2005 — authority must reply within 30 days (§7(1)). Default fee ₹10. BPL applicants pay nothing (§7(5)).

File RTI to: Block Development Officer (Gramin) / Commissioner Municipal (Urban) + State Mission Director PMAY

Ask these 7 questions:

1. SECC 2011 / Awas+ eligibility category and inclusion date
2. Beneficiary list inclusion date and panchayat/ward serial number
3. All instalments released — dates and amounts (with bank account credited)
4. Geo-tag verification status — foundation / lintel / roof / completion (with inspecting officer name)
5. Reason for delay or deduction in any instalment
6. Officer-in-charge of my application — name, designation, contact
7. For PMAY-U: convergence with CLSS / ISS interest subsidy — applied / pending / disbursed

→ 🪄 Use the free AI RTI Drafter — drafts your §6(1) application in 60 seconds. Pre-fills your name, fee statement, the 7 questions.

→ 🎤 AwaazRTI — speak in Hindi/regional

→ ⚖ First Appeal Builder — for Day 31 if PIO doesn't reply.

Most often no — but if you were added through the Awas+ 2018 survey app, you are eligible under PMAY-G expansion. Several states (Maharashtra Awas Yojana, TN CMAY, Kerala LIFE, Telangana Double Bedroom) have separate post-SECC mechanisms.

₹18 lakh annual household income (MIG-2 cap, for ISS only). For BLC/AHP construction subsidy, the cap is ₹6 lakh (LIG ceiling). EWS (≤ ₹3 L) gets priority allotment.

No. They cover different geographies. Your residence determines which one. Government records are linked across schemes via Aadhaar.

Yes — both Gramin and Urban require Aadhaar (or Aadhaar enrolment number with proof). Without Aadhaar–bank link, DBT cannot release.

No — Indian residents only. NRI status disqualifies. Aadhaar requires resident status under FEMA.

60–90 days is the published SLA for sanction post-eligibility. Construction completion takes 12–18 months typically.

For BLC/AHP, the construction subsidy is independent of bank loan. For ISS (interest subsidy), denial of bank loan kills the subsidy. Apply with another bank/NBFC; ISS works with any RBI-regulated lender.

No — only one PMAY per household. Joint application (in wife's name OR jointly with husband) is allowed and encouraged (mandatory for EWS/LIG).

Inter-city transfer is not allowed; you withdraw and re-apply. Inter-state transfer also requires fresh application.

File RTI to BDO/CMO for: (a) completion certificate status, (b) final geo-tag report, © inspecting officer name + date. Most stuck-completion cases resolve once final geo-tag photo is uploaded.

No — only for new construction or upgradation of kutcha / semi-pucca to pucca. Extension of pucca house is not covered.

PMAY-G beneficiary gets 90 person-days of MGNREGA wages for labour on her own house (~₹22,000–28,000). Apply at Gram Panchayat with MGNREGA job card. The wages don't reduce the ₹1.20 lakh PMAY subsidy — they're additional.

Indira Awas Yojana (IAY) was the predecessor (1985–2016). PMAY-G replaced it on 1 April 2016 with: SECC-based eligibility (was BPL), higher subsidy (was ₹70k), geo-tagging, DBT, MGNREGA convergence.

Common reasons: Aadhaar mismatch, duplicate record, voluntary surrender, post-verification ineligibility. File RTI for cancellation reason under §4(1)(d) RTI Act — authority must give reasoned order.

File complaint with: (a) State Vigilance Commission, (b) District Magistrate, © Lokayukta. Parallel RTI for the full beneficiary list of your panchayat. Whistleblower protection applies under PIDPI Act 2014 if you fear retaliation.

• 🪄 AI RTI Drafter — type problem, get §6 application
• 🎤 AwaazRTI — voice-to-RTI in 11 Indian languages
• 🔮 Outcome Predictor — score your draft's win-likelihood
• ⚖ First Appeal Generator — §19(1) on Day 31
• 📬 PIO Reply Checker — analyse evasive replies
• 📅 Timeline Calculator — track 30-day window
• 💰 Fee Calculator — state-wise fees
• 🌐 Citizen 360 — full civic intelligence by PIN code
• 🏠 PMAY Status Checker — one-click portal opener

• PMAY status check — full guide
• PMAY documents required — full checklist
• How to read the PMAY beneficiary list
• Master RTI guide for PMAY
• State-by-state PMAY guide
• Ayushman Bharat ₹5 L cover
• MGNREGA wage delay — 15-day rule
• Pension delay — 8-month rule
• Aadhaar update stuck

If you're an urban applicant under PMAY-U / PMAY-U 2.0 and want the Interest Subsidy Scheme (ISS) subsidy on your home loan, apply directly with these lenders:

• HDFC Home Loans (PMAY-CLSS / ISS) — hdfc.com/housing-loans
• SBI Home Loans — homeloans.sbi
• LIC Housing Finance — lichousing.com
• Bajaj Housing Finance — bajajhousingfinance.in
• Tata Capital Housing Finance — tatacapital.com/home-loan

PMAY-G (rural) does not use bank loans — direct subsidy goes to your bank account in instalments.

• PMAY-U 2.0 official portal — Ministry of Housing & Urban Affairs
• AwaasSoft — PMAY-G MIS, Ministry of Rural Development
• PIB release: PMAY 2.0 Cabinet Approval, 9 August 2024
• PIB release: PMAY 2.0 launched 1 September 2024
• RTI Act, 2005 — full text
• PMAY-G Operational Guidelines, MoRD
• SECC 2011 portal
• Helplines: 1800-11-6446 (Gramin) · 1800-11-3377 / 1800-11-3388 (Urban)

• Infographic concept: Two parallel tracks: PMAY-G (Gramin) ₹1.20-1.30L + PMAY-U 2.0 (Urban) 4 verticals (BLC ₹2.50L / AHP / ARHC / ISS up to ₹1.80L). Show 4.95 cr total houses target.

1. Minimal house outline with green checkmark + '₹1.30L' tag.
2. Urban skyline icon with affordable-housing apartment silhouette.
3. Geo-tag pin icon over a construction site (foundation/lintel/roof).