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+{{htmlmetatags>metatag-keywords=(pmay documents, pmay-g documents, pmay-u documents, pmay application requirements, awas yojana documents)
+metatag-description=(Documents for PMAY-G (rural) and PMAY-U (urban). SECC-eligibility + land + identity + bank linkage. Plus what to do if SECC excludes you.)}}
+====== Documents required for PMAY (Gramin + Urban) application ======
+{{page>snippets:dpdp-banner}}
+<WRAP info>**Direct answer.** PMAY-G applies to rural beneficiaries from SECC 2011 list; PMAY-U for urban EWS/LIG/MIG. Documents: SECC inclusion proof (rural) + Aadhaar + land documents (rural) OR address proof (urban) + bank account + income certificate (urban). Apply via BDO (rural) or CMO (urban).</WRAP>
+===== Mandatory documents =====
+  * **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
+===== Optional / situational documents =====
+  * **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
+===== Specifications + key rules =====
+  * **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.
+===== Where to apply =====
+BDO (Block Development Officer) for PMAY-G; Municipal Commissioner / Town Planning for PMAY-U. Online via [[https://pmaymis.gov.in|pmaymis.gov.in]] (urban) or [[https://awaassoft.nic.in|awaassoft.nic.in]] (rural).
+→ Official source: [[https://pmaymis.gov.in/Open/EligibilityCriteria.pdf|https://pmaymis.gov.in/Open/EligibilityCriteria.pdf]]
+===== If you don't have all documents =====
+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 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 AI RTI Drafter]]** to generate a free §6(1) application asking for the rejection reason in 60 seconds.
+===== Frequently asked questions =====
+  * **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.
+===== Summary + next steps =====
+  - **Gather mandatory documents** above before applying — saves a re-visit
+  - **Apply via official portal** (link above) — no agent needed
+  - **Track status**: see our [[:check-status:start|status-check guides]]
+  - **If rejected for "documents inadequate"**: request specific deficiency under §4(1)(d) RTI Act
+  - **For state-specific guidance**: see [[:state-rti-portals-directory|state portals directory]]
+===== All RTI Wiki tools (free, no login) =====
+  * 🪄 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]** — type problem, get §6 application
+  * 🎤 **[[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]]** — voice-to-RTI in 11 Indian languages
+  * 🔮 **[[https://righttoinformation.wiki/tools/rti-outcome-predictor.html|Outcome Predictor]]** — score draft win-likelihood
+  * ⚖️ **[[https://righttoinformation.wiki/tools/first-appeal-app.html|First Appeal Generator]]** — §19(1) draft on Day 31
+  * 📅 **[[https://righttoinformation.wiki/tools/timeline-calculator-app.html|Timeline Calculator]]** — track 30-day window
+===== Related on RTI Wiki =====
+  * **Track status**: [[:check-status:pmay-status|How to check pmay status]]
+  * **State-by-state**: [[:scheme-state:pmay:start|Pmay across all 36 states]]
+  * **If rejected, file RTI**: [[:rti-for-pmay-status|Full RTI guide]]
+  * **Citizen RTI playbook**: [[:citizen-rti-playbook|All 100+ scenarios]]
+  * **All documents checklists**: [[:documents:start|All 30 checklists]]
+===== Sources =====
+  * 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.//
+{{tag>pmay application documents-checklist citizen-help}}