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+{{htmlmetatags>metatag-keywords=(pmay documents required, pmay g documents, pmay urban documents, pmay 2.0 documents, pmay application checklist, pmay form 1b, pmay home loan documents, awaas plus documents)
+metatag-description=(PMAY documents required 2026 — full checklist for PMAY-G + PMAY-U 2.0. Aadhaar, ITR, bank, land, caste/disability, ISS Form 1B, downloadable templates.)}}
+====== PMAY Documents Required 2026 — Complete Checklist (Gramin + Urban 2.0) ======
+{{page>snippets:dpdp-banner}}
+**Wrong or missing documents are the #1 reason PMAY applications get stuck. This is the verified, government-source-backed checklist for PMAY-G (rural) AND PMAY-U 2.0 (urban) — including the 4 verticals (BLC, AHP, ARHC, ISS).**
+===== Quick Answer =====
+  * **PMAY-G core**: Aadhaar + bank passbook + land documents + caste certificate (if applicable) + photograph.
+  * **PMAY-U 2.0 core**: Aadhaar + PAN + ITR (or income certificate) + bank statement + address proof + photograph.
+  * **PMAY-U 2.0 ISS extra**: bank loan sanction letter + Form 1B (auto-generated on portal).
+  * **PMAY-U 2.0 BLC extra**: land/property documents (sale deed / property tax receipt).
+  * **All Aadhaar must be mobile-linked** (OTP verification mandatory).
+  * **ITR not mandatory for EWS** — use ration card + employer letter if not in tax net.
+  * **Joint application (with spouse) preferred** — house must be in woman's name (or jointly).
+===== PMAY-G (Gramin) — full document list =====
+==== Mandatory ====
+| # | Document | Why needed | Where to get |
+| 1 | **Aadhaar card** (front + back, mobile-linked) | Identity + DBT linkage | UIDAI / Aadhaar Seva Kendra |
+| 2 | **Bank passbook** (Aadhaar-seeded, IFSC visible) | DBT credit | Your bank branch |
+| 3 | **Land documents** — patta / khasra / khatauni / RTC | Land ownership for construction | Tehsildar / Patwari office |
+| 4 | **Photograph** — passport-size, recent | Beneficiary verification | Photo studio |
+| 5 | **MGNREGA job card** | 90-person-day wage convergence | Gram Panchayat |
+| 6 | **Self-declaration** of no pucca house in family | Eligibility affidavit | Self-typed; signed |
+==== Conditional (if applicable) ====
+| # | Document | Condition |
+| 7 | **Caste certificate** (SC/ST/OBC) | If claiming SC/ST/OBC priority |
+| 8 | **Disability certificate** | If household member is PwD |
+| 9 | **Widow / single woman certificate** | If widow / divorced / separated head of family |
+| 10 | **SECC 2011 self-print** | To verify your inclusion (printable from secc.gov.in) |
+| 11 | **Awas+ 2018 inclusion proof** | If added post-SECC via 2018 survey |
+| 12 | **Ration card** | Optional but speeds verification |
+==== Documents NOT required ====
+  * Income certificate (PMAY-G is SECC/Awas+ based — no income test)
+  * ITR / PAN (not required for Gramin; Aadhaar is enough)
+  * Property tax receipt (you typically don't have one — you're in a kutcha house)
+  * BPL card (auto-checked from SECC; separate card not needed)
+===== PMAY-U 2.0 (Urban) — full document list =====
+==== Common to all 4 verticals (BLC / AHP / ARHC / ISS) ====
+| # | Document | Why needed | Where to get |
+| 1 | **Aadhaar card** (mobile-linked, OTP verified) | Identity + uniqueness | UIDAI |
+| 2 | **PAN card** | Income tax linkage | Income Tax / NSDL |
+| 3 | **Photograph** — passport size | Verification | Photo studio |
+| 4 | **Address proof** — current + permanent | Local body verification | Electricity bill / rent agreement / Aadhaar |
+| 5 | **Bank statement** — last 6 months | Income verification | Your bank |
+| 6 | **Self-declaration** of no pucca house in family in any city | Eligibility affidavit | Self-typed |
+==== Income proof ====
+For **EWS / LIG** (income ≤ ₹6 lakh) — at least one of:
+  * **ITR Form 16** (last 2 years)
+  * **Salary certificate** from employer + last 6 months salary slips
+  * **Employer letter** (if salaried)
+  * **Income certificate** from Tehsildar (if self-employed / informal sector)
+  * **GST registration** + audited statements (if business)
+For **MIG-1 / MIG-2** (income ₹6 – ₹18 lakh): **ITR mandatory** (last 2 years).
+==== Vertical-specific extras ====
+==== BLC (Beneficiary-Led Construction) ====
+| # | Document | Why |
+| 7 | **Land documents** in your name | You're constructing on your own land |
+| 8 | **Property tax receipt** (if any) | Land verification |
+| 9 | **Sale deed / pattanama / lease** | Title proof |
+| 10 | **Approved plan / drawing** of proposed house | Subsidy stage-tracking |
+| 11 | **Photograph of vacant plot** | Pre-construction baseline |
+==== AHP (Affordable Housing in Partnership) ====
+| # | Document | Why |
+| 7 | **Allotment letter** from State / private partner | Specific unit allocated |
+| 8 | **Down payment receipt** | Booking proof |
+==== ARHC (Affordable Rental Housing Complex) ====
+| # | Document | Why |
+| 7 | **Migrant worker proof** (employment letter / state of origin proof) | ARHC is for migrants |
+| 8 | **Rental agreement** with ARHC operator | Eligibility for subsidy |
+==== ISS (Interest Subsidy Scheme — replaces old CLSS) ====
+| # | Document | Why |
+| 7 | **Home loan sanction letter** from RBI-regulated lender | ISS is interest subsidy on loan |
+| 8 | **Form 1B** (auto-generated on pmay-urban.gov.in) | Subsidy claim form |
+| 9 | **Property documents** (registered sale deed / construction agreement) | Loan-property linkage |
+==== Marriage / family ====
+| # | Document | Condition |
+| 10 | **Marriage certificate** | If joint application with spouse |
+| 11 | **Widow certificate** | If applying as widow |
+| 12 | **Divorce decree** | If applying as divorced head |
+==== Caste / disability ====
+| # | Document | Condition |
+| 13 | **Caste certificate** (SC/ST/OBC) | If claiming reservation |
+| 14 | **Disability certificate** (40%+) | For PwD reservation |
+| 15 | **Senior citizen certificate** | For 70+ reservation |
+===== Document size + format requirements =====
+  * **Photo**: passport size, JPG / PNG, **max 100 KB**
+  * **Signature**: scanned, JPG / PNG, **max 50 KB**
+  * **Document scans**: PDF / JPG, **max 1 MB each**
+  * **All scans**: 200 dpi minimum, color preferred for ID, B&W OK for text
+==== Free tools to compress ====
+  * **iLovePDF** — free PDF compress
+  * **TinyPNG** — image compress
+  * **Image-resizer** — resize to <100 KB
+===== 8 common document mistakes (and how to avoid them) =====
+  * **Aadhaar not mobile-linked** — biggest blocker. Update at UIDAI Seva Kendra (free) before applying. OTP can't reach you = application blocked.
+  * **Bank not Aadhaar-seeded** — DBT silent failure. Branch visit with Aadhaar + passbook; ask for "**Aadhaar seeding**" + NPCI mapping.
+  * **Old PAN linked to old Aadhaar** — if you updated Aadhaar, re-verify PAN-Aadhaar link at incometax.gov.in.
+  * **ITR-V unsigned** — printed ITR copy must be signed. Most online ITR submissions auto-handle this; check before printing.
+  * **Income certificate from wrong officer** — must be from **Tehsildar / SDM**, not Patwari. Patwari-issued income certificates are rejected.
+  * **Photo too old** — must be within **6 months**. Old photos cause verification mismatch.
+  * **Signature mismatch** between Aadhaar and bank — visit branch with Aadhaar to update if signature has changed.
+  * **Land documents in joint family name** — for PMAY-G you need **mutation in your name** (or spouse). Joint family / undivided property without your name explicitly = blocked.
+===== Self-declaration affidavit format =====
+You can type or hand-write this; sign with date + place. No notarisation needed unless your DUDA specifically asks.
+<code>
+SELF-DECLARATION
+I, [Full Name], son/daughter/wife of [Father/Husband Name],
+resident of [Full Address], aged [X] years, holder of
+Aadhaar number [XXXX XXXX XXXX], do hereby declare:
+. I am an Indian citizen and a resident of India.
+. Neither I, nor any member of my family (spouse + unmarried children),
+   own any pucca house in any city in India in any name.
+. We do not have any other PMAY/IAY/Awas Yojana sanction in any state.
+. The income details provided are true to the best of my knowledge.
+. I commit that the PMAY house, when constructed, will be used only for
+   residential purposes by my family.
+I understand that giving false information is punishable under
+Indian law and will lead to cancellation of subsidy and recovery.
+Signed at [Place] on [Date]:
+[Signature]
+[Full Name]
+[Mobile Number]
+</code>
+→ **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 Use AI RTI Drafter]]** if your application is rejected for "documents incomplete" — drafts an RTI demanding the **specific document missing** and the **exact rule** under which it's required.
+===== State-specific document add-ons =====
+| State | Extra document |
+| Maharashtra | Domicile certificate (state subsidy top-up) |
+| Tamil Nadu | TN Family Card |
+| Kerala | Kerala Civil Supplies Card (PoS-linked) |
+| Karnataka | Aadhaar-seeded ration card |
+| Telangana | T-Wallet KYC (for Hyderabad ARHC) |
+| Punjab | Blue card / smart ration card |
+| Bihar | Caste certificate from Anchal Adhikari |
+| Delhi | Voter ID with Delhi address (resident proof beyond 5 years) |
+===== Documents you DON'T need (despite agents claiming) =====
+Beware of agents asking for:
+  * **NOC from neighbours** — NOT required for PMAY.
+  * **Society/RWA NOC** — NOT required (BLC).
+  * **Affidavit from advocate** — self-declaration is enough.
+  * **Medical fitness certificate** — NOT required.
+  * **Caste certificate from MLA / MP** — only Tehsildar / SDM-issued is valid.
+  * **₹500–5,000 "processing fee"** — PMAY application is **100% free**. Anyone asking for money is a fraudster.
+→ **[[:digital-arrest-scam-india|See full scam protection guide]]**
+===== After you submit — what happens next =====
+  - **Day 0**: application submitted, ARN issued.
+  - **Day 1–15**: digital verification (Aadhaar, PAN, income).
+  - **Day 15–30**: physical verification by BDO / Tehsildar / DUDA officer.
+  - **Day 30–60**: District CSMC / Empowered Committee approval.
+  - **Day 60–90**: Sanction letter issued, 1st instalment credited.
+  - **Day 90+ no movement**: file **free RTI** — your statutory right under §6 RTI Act 2005.
+===== FAQ =====
+==== I don't have ITR — am I disqualified from PMAY-U? ====
+**No.** EWS / LIG without ITR can submit **income certificate from Tehsildar**, salary certificate, or employer letter. Only MIG-1/MIG-2 (₹6+ lakh) need ITR.
+==== Aadhaar mobile not linked. Can I still apply? ====
+**Update first**, then apply. UIDAI Seva Kendra updates Aadhaar mobile in 7–10 days, free. Without mobile-linked Aadhaar, OTP-based portal verification fails.
+==== Land is in joint family name. Can I apply? ====
+You need **mutation in your name** OR **legally documented possession**. File **partition/mutation** at Tehsildar; this can take 30–90 days. Without it, BLC application blocked.
+==== I'm a tenant — can I get PMAY-U BLC? ====
+**No** — BLC requires you to own the land. You can apply for **AHP** (subsidised purchase) or **ARHC** (rental subsidy) without land.
+==== Can I submit photocopies, or originals? ====
+**Photocopies** to portal. **Originals** kept for physical verification by BDO/CMO. Never send originals via post.
+==== My spouse died. Can I apply alone? ====
+**Yes.** Submit **death certificate** + ration card showing you as head of family. House will be sanctioned in your name.
+==== I have only one document missing. Can I apply and submit later? ====
+Most portals accept **partial** application with mandatory minimum. Pending docs marked. But sanction is held until all are submitted. Best practice: complete first, apply once.
+==== What if my address proof is in old city but I now live elsewhere? ====
+Update **Aadhaar address** first (UIDAI portal — free, online with utility bill). Then apply with current Aadhaar.
+===== All RTI Wiki tools =====
+  * 🪄 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]** — for documents-related RTIs
+  * 🎤 **[[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]]** — voice in 11 languages
+  * 🌐 **[[https://righttoinformation.wiki/intelligence/citizen-360.html|Citizen 360]]** — civic intelligence
+  * 🏠 **[[https://righttoinformation.wiki/tools/pmay-status-checker.html|PMAY Status Checker]]** — one-click portal opener
+  * 📅 **[[https://righttoinformation.wiki/tools/timeline-calculator-app.html|Timeline Calculator]]**
+===== Related on RTI Wiki =====
+  * [[:pmay-2026-complete-guide|PMAY 2026 — full complete guide]]
+  * [[:check-status:pmay-status|PMAY status check — Gramin + Urban]]
+  * [[:pmay-beneficiary-list|How to read the PMAY beneficiary list]]
+  * [[:rti-for-pmay-status|Master RTI guide for PMAY]]
+  * [[:scheme-state:pmay:start|PMAY by state]]
+  * [[:digital-arrest-scam-india|Beware of fake "fee" agents — digital arrest scam guide]]
+===== Sources =====
+  * [[https://pmay-urban.gov.in|PMAY-U 2.0 portal — checklist published]]
+  * [[https://awaassoft.nic.in|AwaasSoft — PMAY-G operational guidelines]]
+  * [[https://uidai.gov.in|UIDAI — Aadhaar updates]]
+  * [[https://incometax.gov.in|Income Tax Portal — PAN-Aadhaar linkage]]
+  * [[https://secc.gov.in|SECC 2011 portal]]
+  * Helplines: **1800-11-6446** (Gramin) · **1800-11-3377** (Urban)
+{REVIEWED}
+//Last reviewed: 3 May 2026 — RTI Wiki editorial team.//
+{{tag>pmay pmay-documents pmay-checklist pmay-2026 housing-scheme citizen-help}}