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+{{htmlmetatags>metatag-keywords=(housing schemes India, PMAY 2026, jal jeevan mission, ujjwala 2.0, saubhagya yojana, basic needs schemes, free LPG, tap water connection, electricity connection)
+metatag-description=(Housing & Basic-Needs Schemes in India 2026 - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 2026 with latest.)}}
+====== Housing & Basic-Needs Schemes in India 2026 ======
+{{page>snippets:dpdp-banner}}
+**Most welfare debate misses this: 4 in 10 Indian households still don't have a pucca house, tap water, LPG or grid electricity. India runs **four flagship schemes** to close every gap — PMAY (house), Jal Jeevan Mission (tap water), Ujjwala (LPG), Saubhagya (electricity). All are free or heavily subsidised. Most eligible families haven't claimed.**
+===== Quick Answer =====
+  * **House subsidy ₹1.20–2.50 lakh** → [[:pmay-2026-complete-guide|PMAY-G + PMAY-U 2.0]]
+  * **Free tap water connection** → [[:jal-jeevan-mission|Jal Jeevan Mission (JJM)]]
+  * **Free LPG connection + 12 cylinders/yr** → [[:ujjwala-yojana|Ujjwala Yojana 2.0]]
+  * **Free electricity connection** → [[:saubhagya-yojana|Saubhagya Yojana]]
+  * **Helplines**: PMAY-G **1800-11-6446**, Ujjwala **1906**, Saubhagya **1912**.
+  * **Stuck?** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 Free RTI in 60 sec]].
+===== Who should read this page =====
+  * **Living in a kutcha / semi-pucca house** — PMAY-G upgrades it to pucca.
+  * **Urban EWS/LIG/MIG with no own house** — PMAY-U 2.0 (4 verticals).
+  * **No tap water connection** — JJM provides one for free.
+  * **Cooking on firewood / kerosene** — Ujjwala gets you LPG.
+  * **No electricity meter at home** — Saubhagya connects you free.
+===== List of schemes in this category =====
+==== Housing ====
+  * **[[:pmay-2026-complete-guide|PMAY 2.0 — Pradhan Mantri Awas Yojana]]** — central housing flagship. Two arms:
+    * **PMAY-G (Gramin)** — ₹1.20 lakh subsidy (rural); ₹1.30 lakh (hilly/IAP).
+    * **PMAY-U 2.0 (Urban)** — 4 verticals (BLC ₹2.50 L / AHP / ARHC / Interest Subsidy ₹1.80 L).
+  * **MGNREGA convergence** — 90 person-days wages for labour on your own PMAY house. See [[:rti-for-mgnrega-wages|MGNREGA guide]].
+  * **State top-ups** — Maharashtra Awas, TN CMAY, Kerala LIFE, Telangana Double Bedroom add to central PMAY.
+==== Water ====
+  * **[[:jal-jeevan-mission|Jal Jeevan Mission (JJM)]]** — Har Ghar Jal — universal **functional household tap connection** by 2024 (now extended to 2028). 75% of rural households connected as of Q1 2026. Apply via Gram Panchayat.
+==== Cooking gas ====
+  * **[[:ujjwala-yojana|Pradhan Mantri Ujjwala Yojana (PMUY) 2.0]]** — free LPG connection + first-fill stove + **12 subsidised refills per year** (≈ ₹300 subsidy per cylinder). Eligibility: women in BPL / SECC / SC/ST / tea workers / PMAY beneficiary households.
+==== Electricity ====
+  * **[[:saubhagya-yojana|Saubhagya — Sahaj Bijli Har Ghar Yojana]]** — free electricity connection for poor un-electrified households. Apply via DISCOM or Gram Panchayat.
+==== Toilet ====
+  * **Swachh Bharat Mission (Gramin)** — ₹12,000 per household for toilet construction. Convergence with PMAY-G.
+  * **Swachh Bharat Mission (Urban)** — ₹5,400/4,000 per household for IHHL.
+===== How to claim — universal steps =====
+  - **Identify the right scheme** for your missing service (house / water / LPG / power).
+  - **Verify Aadhaar mobile-link** (UIDAI Seva Kendra if not).
+  - **Apply on the right portal**:
+    * PMAY-G: awaassoft.nic.in (or via BDO)
+    * PMAY-U 2.0: pmay-urban.gov.in
+    * Ujjwala: pmuy.gov.in
+    * Saubhagya: saubhagya.gov.in
+    * JJM: jaljeevanmission.gov.in (state-specific)
+  - **Submit at Common Service Centre** or directly online.
+  - **Track status weekly**.
+  - **If stuck > 60 days**, file **RTI**.
+===== Common mistakes =====
+  * **Believing connection requires bribe** — all are 100% free; report bribes to **CVC** at cvc.gov.in.
+  * **Wrong eligibility doc** — Tehsildar/SDM-issued certificates only; Patwari-issued income certificates are rejected.
+  * **Aadhaar–bank not seeded** — DBT for PMAY/Ujjwala silently fails.
+  * **Multiple LPG IDs in family** — Ujjwala allows **one connection per household**; clean up duplicates first.
+  * **Not claiming MGNREGA wages** for PMAY house construction — 90 person-days × state rate = ₹22k–28k missed.
+===== FAQ =====
+==== Can I get all 4 schemes (PMAY + JJM + Ujjwala + Saubhagya)? ====
+**Yes** — they're complementary, not mutually exclusive. A typical eligible household stacks all four. Apply each separately.
+==== I rent in a city. Can I get PMAY-U 2.0? ====
+**Yes** — under **AHP (subsidised purchase)** or **ARHC (rental)**. **BLC** requires you to own land. See [[:pmay-2026-complete-guide|PMAY full guide]].
+==== My LPG was issued in 2020 but I've never used it. Is it cancelled? ====
+Connection stays unless you formally surrender. To restart: visit your **distributor**, do KYC update, request first/next refill. Non-use over 2 years sometimes triggers re-verification.
+==== I'm a tenant — can I get a tap connection under JJM? ====
+**Landlord's consent** required (since the connection is on the property, not the person). Most municipalities accept landlord NOC + your address proof.
+==== My village has tap pipes but no water. Can JJM help? ====
+**Yes** — that's a common issue. File RTI for: (a) JJM functional certificate, (b) water source mapping, (c) maintenance contract. Most "no water" issues trace to ongoing pipe leakage / pump failure not addressed by Panchayat.
+==== Can I top up my Saubhagya connection (more load)? ====
+Saubhagya is for **basic connection** (1 kW). For higher load, apply directly with DISCOM (paid). Saubhagya beneficiaries who upgrade pay only the differential.
+==== What documents do I need for Ujjwala? ====
+Aadhaar (woman applicant), KYC at distributor, family details, proof of BPL/SECC/SC-ST/PMAY/tea-worker. Distributor walks you through — process is 1-day.
+==== I see my neighbour got PMAY but they own a pucca house. What can I do? ====
+File **RTI for the verification report** of that household. If sanction is wrong, file complaint with DM + State Vigilance. Whistleblower protection under PIDPI Act 2014.
+===== All RTI Wiki tools =====
+  * 🪄 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]**
+  * 🏠 **[[https://righttoinformation.wiki/tools/pmay-status-checker.html|PMAY Status Checker]]**
+  * 🌐 **[[https://righttoinformation.wiki/intelligence/citizen-360.html|Citizen 360]]** — see your locality's coverage
+===== Related =====
+  * [[:government-schemes-india-2026|🏛 Top schemes — pillar guide]]
+  * [[:pmay-2026-complete-guide|PMAY 2.0 complete guide]]
+  * [[:check-status:pmay-status|PMAY status check]]
+  * [[:pmay-beneficiary-list|PMAY beneficiary list — anti-fraud]]
+  * [[:financial-support-schemes-india|💰 Financial Support]]
+  * [[:rti-for-pmay-status|Master RTI guide for PMAY]]
+===== Sources =====
+  * [[https://pmay-urban.gov.in|PMAY-U 2.0]]
+  * [[https://awaassoft.nic.in|AwaasSoft (PMAY-G)]]
+  * [[https://jaljeevanmission.gov.in|Jal Jeevan Mission]]
+  * [[https://www.pmuy.gov.in|Ujjwala 2.0]]
+  * [[https://saubhagya.gov.in|Saubhagya]]
+  * Helplines: **1800-11-6446** (PMAY) · **1906** (LPG) · **1912** (electricity)
+{REVIEWED}
+//Last reviewed: 3 May 2026.//
+{{tag>housing-schemes basic-needs pmay ujjwala saubhagya jal-jeevan 2026}}