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).

• 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).

• 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)

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).

• 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

• iLovePDF — free PDF compress
• TinyPNG — image compress
• Image-resizer — resize to <100 KB

• 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.

You can type or hand-write this; sign with date + place. No notarisation needed unless your DUDA specifically asks.

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:

1. I am an Indian citizen and a resident of India.
2. Neither I, nor any member of my family (spouse + unmarried children),
   own any pucca house in any city in India in any name.
3. We do not have any other PMAY/IAY/Awas Yojana sanction in any state.
4. The income details provided are true to the best of my knowledge.
5. 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]

→ 🪄 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.

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.

→ See full scam protection guide

1. Day 0: application submitted, ARN issued.
2. Day 1–15: digital verification (Aadhaar, PAN, income).
3. Day 15–30: physical verification by BDO / Tehsildar / DUDA officer.
4. Day 30–60: District CSMC / Empowered Committee approval.
5. Day 60–90: Sanction letter issued, 1st instalment credited.
6. Day 90+ no movement: file free RTI — your statutory right under §6 RTI Act 2005.

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.

Update first, then apply. UIDAI Seva Kendra updates Aadhaar mobile in 7–10 days, free. Without mobile-linked Aadhaar, OTP-based portal verification fails.

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.

No — BLC requires you to own the land. You can apply for AHP (subsidised purchase) or ARHC (rental subsidy) without land.

Photocopies to portal. Originals kept for physical verification by BDO/CMO. Never send originals via post.

Yes. Submit death certificate + ration card showing you as head of family. House will be sanctioned in your name.

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.

Update Aadhaar address first (UIDAI portal — free, online with utility bill). Then apply with current Aadhaar.

• 🪄 AI RTI Drafter — for documents-related RTIs
• 🎤 AwaazRTI — voice in 11 languages
• 🌐 Citizen 360 — civic intelligence
• 🏠 PMAY Status Checker — one-click portal opener
• 📅 Timeline Calculator

• PMAY 2026 — full complete guide
• PMAY status check — Gramin + Urban
• How to read the PMAY beneficiary list
• Master RTI guide for PMAY
• PMAY by state
• Beware of fake "fee" agents — digital arrest scam guide

• PMAY-U 2.0 portal — checklist published
• AwaasSoft — PMAY-G operational guidelines
• UIDAI — Aadhaar updates
• Income Tax Portal — PAN-Aadhaar linkage
• SECC 2011 portal
• Helplines: 1800-11-6446 (Gramin) · 1800-11-3377 (Urban)

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Last reviewed: 3 May 2026 — RTI Wiki editorial team.