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PMAY 2026 — Complete Guide to Pradhan Mantri Awas Yojana

PMAY 2026 complete guide — PMAY-G + PMAY-U 2.0 (launched Sep 2024). All 4 verticals (BLC/AHP/ARHC/ISS), eligibility, subsidy, application, status check, RTI.

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 +{{htmlmetatags>metatag-keywords=(pmay 2026, pmay 2.0, pmay scheme, pmay urban 2.0, pmay gramin, pmay full guide, pmay subsidy, pmay clss interest subsidy, pmay-u 2.0 4 verticals, awaas plus list, pradhan mantri awas yojana 2026, pmay registration online)
 +metatag-description=(PMAY 2026 complete guide — PMAY-G + PMAY-U 2.0 (launched Sep 2024). All 4 verticals (BLC/AHP/ARHC/ISS), eligibility, subsidy, application, status check, RTI.)}}
 +
 +====== PMAY 2026 — Complete Guide to Pradhan Mantri Awas Yojana ======
 +{{page>snippets:dpdp-banner}}
 +
 +**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.**
 +
 +===== Quick Answer =====
 +
 +  * **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)**: [[https://awaassoft.nic.in|awaassoft.nic.in]] → IAY/PMAYG Beneficiary
 +  * **Status check (U)**: [[https://pmay-urban.gov.in|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 [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]].
 +
 +===== Table of contents =====
 +
 +  - [[#what is pmay|What is PMAY]]
 +  - [[#pmay g vs pmay u|PMAY-G vs PMAY-U — what's the difference]]
 +  - [[#pmay 2 0|PMAY 2.0 — what's new in Sept 2024]]
 +  - [[#eligibility|Eligibility — am I eligible?]]
 +  - [[#subsidy amounts|Subsidy amounts — how much will I get?]]
 +  - [[#how to apply|How to apply — step by step]]
 +  - [[#documents|Documents you need]]
 +  - [[#status check|Status check — Gramin + Urban]]
 +  - [[#beneficiary list|How to read the beneficiary list]]
 +  - [[#stuck|If your application is stuck]]
 +  - [[#rti|How to file a free RTI]]
 +  - [[#faq|FAQ — 15 most asked questions]]
 +
 +===== What is PMAY ===== {#what-is-pmay}
 +
 +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.
 +
 +===== PMAY-G vs PMAY-U — what's the difference ===== {#pmay-g-vs-pmay-u}
 +
 +| Feature | **PMAY-G (Gramin)** | **PMAY-U 2.0 (Urban)** |
 +| Scope | Rural areas (per Census definition) | Urban local bodies (Municipal/Nagar) |
 +| Beneficiary base | SECC 2011 + Awas+ list | Self-declared income (EWS/LIG/MIG) |
 +| Subsidy mode | Direct cash transfer (DBT) | 4 verticals: BLC, AHP, ARHC, ISS |
 +| Max subsidy | ₹1.20 / ₹1.30 lakh | ₹2.50 lakh + ISS up to ₹1.80 lakh |
 +| Income test | None (SECC-based) | Yes (EWS ≤ ₹3 L; up to MIG-2 ₹18 L) |
 +| Implementing body | State Rural Dev Dept → BDO | State Urban Dev Authority → CMO |
 +| Land requirement | Must own / possess land | Optional (verticals differ) |
 +| Mobile app | AwaasApp (geo-tagging) | PMAY-U mobile app |
 +| MGNREGA convergence | Yes — 90 person-days | No |
 +| Toilet | Separate ₹12,000 from SBM | Built-in to vertical scheme |
 +| Status portal | awaassoft.nic.in | pmay-urban.gov.in |
 +
 +===== PMAY 2.0 — what's new in Sept 2024 ===== {#pmay-2-0}
 +
 +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**:
 +    - **Beneficiary-Led Construction (BLC)** — you own land; ₹2.50 lakh subsidy in 4 instalments tied to construction stages.
 +    - **Affordable Housing in Partnership (AHP)** — government/PPP builds; you buy at subsidised rate.
 +    - **Affordable Rental Housing Complex (ARHC)** — rental for migrants/working women.
 +    - **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.
 +
 +===== Eligibility — am I eligible? ===== {#eligibility}
 +
 +==== PMAY-G (Gramin) eligibility ====
 +
 +You're eligible if **all** are true:
 +  - You're an **Indian resident** (not NRI).
 +  - You're listed in **SECC 2011** under one of the deprivation criteria, **OR** in the **Awas+ 2018 list** (post-SECC additions).
 +  - You **don't already own a pucca house** in any name in India.
 +  - You **own or possess land** for construction (patta, khasra, pattadhar in your name).
 +  - 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
 +
 +==== PMAY-U 2.0 (Urban) eligibility ====
 +
 +  * **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-status:pmay-status|Check your PMAY status now]]** · **[[:rti-for-pmay-status|Master RTI guide for PMAY]]**
 +
 +===== Subsidy amounts — how much will I get? ===== {#subsidy-amounts}
 +
 +==== PMAY-G ====
 +
 +| Region | Total subsidy | Released in |
 +| Plain areas | **₹1,20,000** | 3 instalments: 25% sanction · 60% post-foundation · 15% post-completion + geo-tag |
 +| Hilly / Difficult / IAP | **₹1,30,000** | Same staging, higher base |
 +| **Plus convergence** | | |
 +| MGNREGA (labour) | ~₹22,000–28,000 | 90 person-days at state wage rate |
 +| SBM (toilet) | **₹12,000** | Separate scheme |
 +
 +**Effective total: ₹1.55 – 1.70 lakh** (when you claim all convergence benefits).
 +
 +==== PMAY-U 2.0 ====
 +
 +| Vertical | Subsidy / Benefit |
 +| **BLC** | up to **₹2.50 lakh** in 4 instalments (sanction + foundation + lintel + completion) |
 +| **AHP** | Government builds; sale price at **₹2.50 lakh subsidy** below market |
 +| **ARHC** | Rental subsidy (varies by city; not a one-time grant) |
 +| **ISS (Interest Subsidy)** | **5% interest** subsidy on home loan up to ₹25 lakh value, **max ₹1.80 lakh** subsidy disbursed in 5 annual instalments to reduce loan principal |
 +
 +===== How to apply — step by step ===== {#how-to-apply}
 +
 +==== PMAY-G application ====
 +
 +  - You **don't apply directly** — eligibility is from SECC/Awas+ list (already done).
 +  - Visit your **Gram Panchayat / BDO office** with Aadhaar + bank passbook + land documents.
 +  - BDO verifies and adds you to the **Permanent Wait List (PWL)** if eligible.
 +  - Wait for **sanction** — typically 60–90 days after PWL listing in active districts.
 +  - On sanction: 1st instalment (25%) credited to your bank.
 +
 +==== PMAY-U 2.0 application ====
 +
 +  - Visit **[[https://pmay-urban.gov.in|pmay-urban.gov.in]]** → "Apply Now".
 +  - Click vertical (BLC / AHP / ARHC / ISS).
 +  - Fill personal details (name, father's name, mobile, Aadhaar — verified via OTP).
 +  - Income proof: ITR / salary slip / Form 16.
 +  - Address: current + permanent (Aadhaar-matched).
 +  - Click **submit** → you get an **Application Reference Number (ARN)** — save it.
 +  - 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.
 +
 +===== Documents you need ===== {#documents}
 +
 +==== For PMAY-G ====
 +
 +  * **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
 +
 +==== For PMAY-U 2.0 ====
 +
 +  * **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)
 +
 +→ **[[:pmay-documents-required|Full PMAY documents checklist with download templates]]**
 +
 +===== Status check — Gramin + Urban ===== {#status-check}
 +
 +==== PMAY-G status (rural) ====
 +
 +  - Open [[https://awaassoft.nic.in|awaassoft.nic.in]].
 +  - Top menu: **Stakeholders** → **IAY/PMAYG Beneficiary**.
 +  - Enter **17-digit Registration Number** OR use **Advanced Search** with State + District + Block + Panchayat + name.
 +  - Status shows: SECC eligibility → Verification → Sanction → 1st instalment → Foundation geo-tag → 2nd instalment → Lintel → 3rd instalment → Roof / Completion → Final geo-tag → Final instalment.
 +
 +==== PMAY-U 2.0 status (urban) ====
 +
 +  - Open [[https://pmay-urban.gov.in|pmay-urban.gov.in]] (legacy at pmaymis.gov.in still mirrors).
 +  - Click **Search Beneficiary**.
 +  - Enter Name + Father's name + State, OR Aadhaar number, OR Application Reference Number.
 +  - Status across 8 stages from Application → Verified → Sanction → 4 tranches → Completion + DBT.
 +
 +→ **[[:check-status:pmay-status|Full status-check guide with screenshots + RTI escalation]]**
 +
 +===== How to read the beneficiary list ===== {#beneficiary-list}
 +
 +If you want to see **everyone in your panchayat / ward** who got PMAY:
 +  - Go to [[https://awaassoft.nic.in|awaassoft.nic.in]] → **Reports** → **Beneficiary** → **State-wise** / Panchayat-wise.
 +  - Drill down: State → District → Block → Panchayat → click "Beneficiary List".
 +  - Excel/PDF download available.
 +
 +For PMAY-U, Open Government Data Portal hosts a JSON dataset under [[https://data.gov.in|data.gov.in]] — search "PMAY beneficiary".
 +
 +→ **[[:pmay-beneficiary-list|How to read + verify the PMAY beneficiary list (with anti-fraud tips)]]**
 +
 +===== If your application is stuck ===== {#stuck}
 +
 +| Symptom | Most-likely cause | Fix |
 +| "Not Eligible" | Not in SECC 2011 / Awas+ | State SPWL or Awas+ verification |
 +| Eligible but no sanction in 90+ days | Slow district queue OR fake beneficiary blocking | RTI to BDO/CMO |
 +| 1st instalment not received | Aadhaar–bank link missing | Branch visit |
 +| 2nd/3rd instalment held | Geo-tag not uploaded | Patwari/JE visit |
 +| Construction complete but final not released | Final geo-tag pending | RTI demanding inspection date |
 +| Wrong amount credited | DBT mismatch | Bank + RBI Banking Ombudsman |
 +| Status shows someone else's name | Beneficiary list manipulation | RTI for full list + State Vigilance |
 +
 +===== How to file a free RTI when PMAY is stuck ===== {#rti}
 +
 +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:**
 +  - SECC 2011 / Awas+ eligibility category and inclusion date
 +  - Beneficiary list inclusion date and panchayat/ward serial number
 +  - All instalments released — dates and amounts (with bank account credited)
 +  - Geo-tag verification status — foundation / lintel / roof / completion (with inspecting officer name)
 +  - Reason for delay or deduction in any instalment
 +  - Officer-in-charge of my application — name, designation, contact
 +  - For PMAY-U: convergence with **CLSS / ISS interest subsidy** — applied / pending / disbursed
 +
 +→ **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 Use the free AI RTI Drafter]]** — drafts your §6(1) application in 60 seconds. Pre-fills your name, fee statement, the 7 questions.
 +
 +→ **[[https://righttoinformation.wiki/tools/awaaz-rti.html|🎤 AwaazRTI — speak in Hindi/regional]]**
 +
 +→ **[[https://righttoinformation.wiki/tools/first-appeal-app.html|⚖ First Appeal Builder]]** — for Day 31 if PIO doesn't reply.
 +
 +===== FAQ — 15 most-asked questions ===== {#faq}
 +
 +==== I am not in SECC 2011. Can I still get PMAY-G? ====
 +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.
 +
 +==== What is the maximum income to qualify for PMAY-U 2.0? ====
 +**₹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.
 +
 +==== Can I apply both PMAY-G and PMAY-U? ====
 +**No.** They cover different geographies. Your residence determines which one. Government records are linked across schemes via Aadhaar.
 +
 +==== Is Aadhaar mandatory? ====
 +**Yes** — both Gramin and Urban require Aadhaar (or Aadhaar enrolment number with proof). Without Aadhaar–bank link, DBT cannot release.
 +
 +==== Can NRIs get PMAY? ====
 +**No** — Indian residents only. NRI status disqualifies. Aadhaar requires resident status under FEMA.
 +
 +==== How long does PMAY sanction take? ====
 +**60–90 days** is the published SLA for sanction post-eligibility. Construction completion takes **12–18 months** typically.
 +
 +==== I got PMAY-U sanction but bank denied home loan. What now? ====
 +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.
 +
 +==== Can a working couple both apply for PMAY? ====
 +**No** — only one PMAY per household. Joint application (in wife's name OR jointly with husband) is allowed and **encouraged** (mandatory for EWS/LIG).
 +
 +==== I changed my city. Can I transfer my PMAY-U application? ====
 +Inter-city transfer is **not allowed**; you withdraw and re-apply. Inter-state transfer also requires fresh application.
 +
 +==== What if my house was completed 2 years ago but no completion certificate issued? ====
 +File **RTI to BDO/CMO** for: (a) completion certificate status, (b) final geo-tag report, (c) inspecting officer name + date. Most stuck-completion cases resolve once final geo-tag photo is uploaded.
 +
 +==== Can I get PMAY for an extension to my existing house? ====
 +**No** — only for new construction or upgradation of **kutcha / semi-pucca** to **pucca**. Extension of pucca house is not covered.
 +
 +==== How does the MGNREGA convergence work? ====
 +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.
 +
 +==== What is the difference between IAY and PMAY-G? ====
 +**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.
 +
 +==== What if my status shows "Cancelled"? ====
 +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.
 +
 +==== How do I report PMAY fraud (fake beneficiary)? ====
 +File complaint with: (a) **State Vigilance Commission**, (b) **District Magistrate**, (c) **Lokayukta**. Parallel **RTI for the full beneficiary list** of your panchayat. Whistleblower protection applies under PIDPI Act 2014 if you fear retaliation.
 +
 +===== 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 your draft's win-likelihood
 +  * ⚖ **[[https://righttoinformation.wiki/tools/first-appeal-app.html|First Appeal Generator]]** — §19(1) on Day 31
 +  * 📬 **[[https://righttoinformation.wiki/tools/pio-reply-checker-app.html|PIO Reply Checker]]** — analyse evasive replies
 +  * 📅 **[[https://righttoinformation.wiki/tools/timeline-calculator-app.html|Timeline Calculator]]** — track 30-day window
 +  * 💰 **[[https://righttoinformation.wiki/tools/rti-fee-calculator-app.html|Fee Calculator]]** — state-wise fees
 +  * 🌐 **[[https://righttoinformation.wiki/intelligence/citizen-360.html|Citizen 360]]** — full civic intelligence by PIN code
 +  * 🏠 **[[https://righttoinformation.wiki/tools/pmay-status-checker.html|PMAY Status Checker]]** — one-click portal opener
 +
 +===== Related on RTI Wiki =====
 +
 +  * [[:check-status:pmay-status|PMAY status check — full guide]]
 +  * [[:pmay-documents-required|PMAY documents required — full checklist]]
 +  * [[:pmay-beneficiary-list|How to read the PMAY beneficiary list]]
 +  * [[:rti-for-pmay-status|Master RTI guide for PMAY]]
 +  * [[:scheme-state:pmay:start|State-by-state PMAY guide]]
 +  * [[:ayushman-bharat-benefits-2026|Ayushman Bharat ₹5 L cover]]
 +  * [[:rti-for-mgnrega-wages|MGNREGA wage delay — 15-day rule]]
 +  * [[:rti-for-pension-delay|Pension delay — 8-month rule]]
 +  * [[:rti-for-aadhaar-update-stuck|Aadhaar update stuck]]
 +
 +===== Sources =====
 +
 +  * [[https://pmay-urban.gov.in|PMAY-U 2.0 official portal — Ministry of Housing & Urban Affairs]]
 +  * [[https://awaassoft.nic.in|AwaasSoft — PMAY-G MIS, Ministry of Rural Development]]
 +  * [[https://pib.gov.in/PressReleasePage.aspx?PRID=2099000|PIB release: PMAY 2.0 Cabinet Approval, 9 August 2024]]
 +  * [[https://pib.gov.in/PressReleasePage.aspx?PRID=2099780|PIB release: PMAY 2.0 launched 1 September 2024]]
 +  * [[https://www.indiacode.nic.in/handle/123456789/1362|RTI Act, 2005 — full text]]
 +  * [[https://rural.gov.in/sites/default/files/PMAYG_Operational_Guidelines.pdf|PMAY-G Operational Guidelines, MoRD]]
 +  * [[https://secc.gov.in|SECC 2011 portal]]
 +  * Helplines: **1800-11-6446** (Gramin) · **1800-11-3377 / 1800-11-3388** (Urban)
 +
 +{REVIEWED}
 +
 +//Last reviewed: 3 May 2026 — RTI Wiki editorial team. Statutory citations + portal URLs verified against primary government sources.//
 +
 +{{tag>pmay pmay-2026 pmay-2 pmay-urban-2 pmay-gramin housing-scheme awaassoft pmay-urban citizen-help free-tool 2026}}