PMAY-G 2026: 3.90 Crore Sanctioned, 4.95 Crore by 2029

What PMAY-G is

Pradhan Mantri Awas Yojana Gramin (PMAY-G) is the central government's rural housing mission. It provides direct financial assistance to households that don't own a pucca house, so they can build a permanent home with basic amenities like a toilet, LPG connection, drinking water, and electricity. The Ministry of Rural Development (MoRD) runs the scheme through state rural development departments and gram panchayats.

As of 26 March 2026, PMAY-G has sanctioned 3.90 crore houses and completed 2.99 crore of them, per the MoRD dashboard at dashboard.dord.gov.in. The scheme has generated 568 crore person-days of rural employment between 2016 and 2025, MoRD reports.

PMAY-G replaced the earlier Indira Awas Yojana (IAY) in April 2016. The unit assistance was raised, the beneficiary list was moved to the SECC 2011 database, and construction quality standards were tightened with a mandatory pucca structure of 25 square metres minimum. Payment shifted to direct benefit transfer (DBT) in three instalments linked to construction milestones verified through geo-tagged photographs.

PMAY-G 2.0: target upgraded to 4.95 crore houses by 2029

The Union Cabinet approved PMAY-G 2.0 in August 2024, extending the scheme's runway to March 2029 and raising the cumulative target from 2.95 crore houses to 4.95 crore houses. This adds 2 crore fresh sanctions on top of the balance from the first phase, per PIB releases.

Budget 2026-27 allocates Rs. 54,916.70 crore to PMAY-G, up 266.1% from the Rs. 15,000 crore allocation in 2016-17 when the scheme first launched. This is the largest annual outlay in the scheme's history and funds the accelerated construction schedule PMAY-G 2.0 requires.

The upgrade responds to two data points. First, the AwaasPlus 2024 self-survey identified more genuinely eligible households than the original SECC 2011 base captured. Second, states with near-saturation of the SECC 2011 list, such as Uttar Pradesh at 36.40 lakh of 36.85 lakh target, asked for a fresh allocation cycle. The 4.95 crore ceiling gives every state a second window to add left-out households discovered in the new survey.

For beneficiaries already sanctioned under the first phase, PMAY-G 2.0 doesn't change the unit assistance amount or the 3-instalment DBT structure. It only adds new applicants to the pipeline.

Who qualifies for PMAY-G

Eligibility runs off two databases. Households on the SECC 2011 Automatic Inclusion or deprivation-parameter list were the original PMAY-G intake source. The AwaasPlus 2024 self-survey added new households not captured by SECC 2011.

To qualify, the household must be either houseless, or living in a kutcha or dilapidated house with zero or one room, no pucca wall, or no pucca roof. Automatic inclusion covers households with no adult earning member of working age, no literate adult above 25, or a member from a manual scavenger, PVTG, or bonded labour category.

Automatic exclusion applies if the household has a motorised two, three, or four-wheeler; a mechanised three or four-wheeler agricultural implement; a Kisan Credit Card with limit above Rs. 50,000; a member as a government employee or drawing over Rs. 10,000 per month; a member paying income tax or professional tax; owning a refrigerator, landline phone, or 2.5 acres of irrigated land, or 5 acres of unirrigated land; or a pucca house of three rooms or more with pucca walls and pucca roof.

The beneficiary must be an Indian citizen. Priority within the eligible pool goes to SC, ST, minorities, widows, next of kin of defence personnel killed in action, disabled persons, and families in LWE-affected districts as per the standing allocation policy.

Ownership of the sanctioned house is registered in the woman member's name, or jointly with her husband, unless the household has no adult female member.

AwaasPlus 2024 self-survey mobile app

The AwaasPlus 2024 mobile app is the current intake channel for new PMAY-G applicants. It replaces the earlier paper-form and gram sabha route for fresh registrations, and it works alongside SECC 2011 records for beneficiaries already on the list.

The app uses Aadhaar face authentication as the primary identity check. A household head opens the app on any smartphone, enters the Aadhaar number, and completes a live face scan matched against the Aadhaar biometric backend. Once the face match passes, the household details, member list, income declaration, and existing housing status can be entered.

Field surveyors visit each self-surveyed household to verify the entered details, geo-tag the current dwelling, and upload photographs. The gram sabha then reviews the verified list at a public meeting and forwards approvals to the block office.

Households without smartphones can still register through the panchayat secretary or the block Awas Sahayak. The Sahayak carries an Android tablet with the app pre-installed and completes the survey on behalf of the household.

The AwaasPlus 2024 data feeds directly into the AwaasSoft MIS at awaassoft.nic.in, which is the same MIS that tracks sanctioned houses, DBT release, and construction progress across all states.

What you get: unit assistance breakdown

PMAY-G unit assistance depends on the geography of the beneficiary's village.

For plain areas, the central and state governments together pay Rs. 1.20 lakh per house, split 60:40 for most states and 90:10 for the eight north-eastern states, Sikkim, Uttarakhand, and Himachal Pradesh. Union Territories get 100% central funding.

For hilly, north-eastern, and Left-Wing Extremism (LWE) affected districts, the unit assistance rises to Rs. 1.30 lakh per house. This covers 24 of the 28 states and all UTs, per MoRD.

Beyond the base unit assistance, PMAY-G beneficiaries receive Rs. 12,000 under Swachh Bharat Mission Gramin (SBM-G) for a household toilet, converged from the ministry's parallel sanitation programme. They're also entitled to about 90 to 95 days of unskilled MGNREGA wages toward house construction, and a free LPG connection under Ujjwala for the same household.

Grid electricity, tap water under Jal Jeevan Mission, and access to a pension scheme like PMSYM or NSAP are converged alongside PMAY-G at the same beneficiary level, so the family ends up with a full basic-amenities package rather than only walls and a roof.

Worked example: full Rs. 1.90 lakh package math

For a plain-area beneficiary in a district like Muzaffarpur, Bihar, the full effective package works out as follows.

Unit assistance from PMAY-G comes to Rs. 1,20,000, released in three DBT instalments to the beneficiary's Aadhaar-linked bank account.

SBM-G toilet component adds Rs. 12,000, disbursed once the toilet is constructed and geo-tagged.

MGNREGA wages for house construction come to about Rs. 90 days x Rs. 245 average state wage rate = Rs. 22,050. The exact figure varies by state notified wage. Bihar notified 2025-26 MGNREGA wage is Rs. 245 per day, per the Ministry of Rural Development notification.

Free LPG connection under Ujjwala carries a cash-equivalent of about Rs. 3,200 including refill support in the first year.

Grid electricity connection under Saubhagya (now completed nationally) and Jal Jeevan Mission tap connection carry an implicit household benefit of Rs. 15,000 to Rs. 20,000, depending on distance to the mains.

Adding the direct cash and toilet component and MGNREGA wages gives Rs. 1,20,000 + Rs. 12,000 + Rs. 22,050 = Rs. 1,54,050. Adding LPG and utility convergence takes the effective package to about Rs. 1,90,000 per beneficiary in plain areas.

In hilly, NE, and LWE areas the base rises to Rs. 1,30,000, taking the effective package to about Rs. 2,00,000.

The 25 square metres minimum built area is a scheme rule. Beneficiaries who build larger houses meet the extra cost from their own savings or MGNREGA labour input, since the unit assistance is capped.

Fund-flow timeline: instalment release schedule

PMAY-G pays the unit assistance in three DBT instalments, each tied to a construction milestone verified through the AwaasSoft MIS.

The first instalment is 25% of unit assistance, or Rs. 30,000 in plain areas and Rs. 32,500 in hilly, NE, LWE areas. It's released within seven days of sanction and Aadhaar-linked bank verification, once the beneficiary uploads the "start" geo-tagged photograph showing the plot.

The second instalment is 60% of unit assistance, or Rs. 72,000 in plain areas and Rs. 78,000 in hilly, NE, LWE areas. It's released after the plinth or lintel level is reached, with a geo-tagged photograph showing the milestone. Typical trigger is 60 to 90 days from the first instalment.

The third and final instalment is 15% of unit assistance, or Rs. 18,000 in plain areas and Rs. 19,500 in hilly, NE, LWE areas. It's released after roof completion, plaster, floor, and toilet are verified with a completion geo-tagged photograph. Typical trigger is 90 to 180 days from the second instalment, depending on availability of materials and labour.

If construction stops between instalments, the state's Awas Sahayak issues a written notice to the beneficiary. Continued non-response can lead to sanction cancellation and recovery of released funds, though state officers usually try to route MGNREGA labour or masonry training first.

Common rejection reasons

Applications and sanctions are rejected at the AwaasSoft verification stage for a small number of recurring causes. Fixing the underlying issue upfront saves a rejection cycle.

Pucca house already detected is the most frequent rejection. The field surveyor's geo-tagged photograph shows a pucca structure with pucca walls and pucca roof of three rooms or more, which triggers automatic exclusion under the SECC 2011 parameters.

Motorised four-wheeler ownership is checked through the vehicle registration database. If any household member owns a car, jeep, or SUV, the household is excluded regardless of income declaration.

Kisan Credit Card with limit above Rs. 50,000 is picked up from the KCC database. Households with a higher-limit KCC are excluded, even if the actual disbursement is lower.

Government employee in the household leads to exclusion. This includes central, state, and PSU employees, but not part-time contractual workers below Rs. 10,000 per month.

Name and Aadhaar mismatch is the most fixable rejection. If the beneficiary name on the AwaasPlus survey differs from the Aadhaar record even by a spelling variation, the sanction is held up. Correction at the Aadhaar seva kendra, followed by resubmission of the AwaasPlus record, usually clears the block within two weeks.

PMAY-G vs PMAY-U: how they compare

PMAY-G targets rural households, while Pradhan Mantri Awas Yojana Urban (PMAY-U) targets urban families. The two schemes have distinct rules despite the shared brand.

PMAY-G runs a single vertical, which is new construction. PMAY-U runs four verticals: in-situ slum redevelopment (ISSR), credit-linked subsidy scheme (CLSS), affordable housing in partnership (AHP), and beneficiary-led construction (BLC).

A household near a rural-urban boundary should apply under the scheme that matches the panchayat or municipal jurisdiction of the plot address. Applying under the wrong scheme leads to rejection at the sanction stage.

State-wise completion league table

Completion progress varies sharply across states, driven by state administrative capacity, panchayat responsiveness, and construction-material logistics. The MoRD dashboard tracks live completion by state.

Arunachal Pradesh reported 100% completion of its 35,591 house target in June 2026, per the Chief Minister's statement. It's the first state to hit full saturation of the SECC 2011 list ahead of PMAY-G 2.0's fresh allocation cycle.

Uttar Pradesh is near saturation of its Phase 1 target, and 45,000 houses remain in the pipeline. Madhya Pradesh has the largest absolute target at 57.74 lakh and the largest absolute completion at 40.55 lakh. Bihar and West Bengal are in the 70 to 80% band and are expected to close their Phase 1 lists within 2026-27.

Northern states in the hilly and NE band such as Himachal Pradesh, Uttarakhand, and Sikkim run smaller absolute programs but at higher unit-assistance rates. Completion percentages in these states track alongside the plain-area averages.

How to check your PMAY-G application status

Beneficiaries can check status through three channels.

The AwaasSoft portal at awaassoft.nic.in has a beneficiary search page. Enter the registration number or Aadhaar number to see the sanction status, instalment dates, and any pending verification.

The PMAY-G dashboard at dashboard.dord.gov.in/dashboardnew/pmayg.aspx shows aggregate progress by state, district, and block. Individual beneficiary data isn't shown on the public dashboard, but the district and block officer can pull the record with the beneficiary's Aadhaar number.

The AwaasPlus mobile app carries a status tab for households registered under the 2024 self-survey. Log in with Aadhaar face authentication to see the current status of the household application.

For DBT tracking, the Public Financial Management System (PFMS) at pfms.nic.in shows credit into the beneficiary's Aadhaar-linked bank account. Reference number and date can be shared with the branch if the credit doesn't reflect in the passbook.

How to apply

Three paths lead to a PMAY-G application, depending on the beneficiary's current status.

New applicants without an SECC 2011 record should install the AwaasPlus 2024 mobile app on a smartphone, complete the Aadhaar face authentication, and enter household details. Field surveyor verification follows within four to six weeks in most districts.

Households on the SECC 2011 permanent waitlist for their block should visit the panchayat secretary or the Awas Sahayak. The Sahayak checks the SECC 2011 record, matches it against the AwaasSoft MIS, and initiates a sanction request through the block office.

Applicants seeking a corrections update, such as bank account change, spouse addition, or death of the original beneficiary, should visit the panchayat secretary with an Aadhaar photocopy, a fresh bank account passbook copy, and the earlier PMAY-G sanction letter.

The AwaasSoft MIS is the backend for all three paths. Beneficiaries who complete the survey but don't see status updates for over 60 days should escalate to the district Awas Sahayak or the district Zilla Parishad CEO's office.

Frequently asked questions

Am I eligible for PMAY-G in 2026? You qualify if your household doesn't own a pucca house, is on the SECC 2011 deprivation or automatic inclusion list, or is registered on the AwaasPlus 2024 self-survey, and doesn't hit any of the automatic exclusion parameters like four-wheeler ownership or a KCC limit above Rs. 50,000.

How much money do I get under PMAY-G? Rs. 1.20 lakh per house in plain areas and Rs. 1.30 lakh in hilly, NE, and LWE areas, paid in three DBT instalments tied to construction milestones. An additional Rs. 12,000 for a toilet under SBM-G and about 90 to 95 days of MGNREGA wages take the effective package to about Rs. 1.90 lakh.

What is PMAY-G 2.0? It's the extended phase approved by the Union Cabinet in August 2024, which raises the cumulative PMAY-G target from 2.95 crore houses to 4.95 crore houses by March 2029 and allocates Rs. 54,916.70 crore in Budget 2026-27.

How do I apply through the AwaasPlus 2024 mobile app? Install the AwaasPlus 2024 app, enter your Aadhaar number, complete the live face scan, and enter household and housing details. Field surveyor verification follows within four to six weeks in most districts.

Can I get PMAY-G if I already have a small pucca house? No, if the pucca structure has three rooms or more and pucca walls plus pucca roof. Households with a smaller kutcha or dilapidated dwelling are eligible.

What's the DBT instalment schedule? 25% on sanction and start of construction, 60% at plinth or lintel level, and 15% on roof and completion. Each release requires a geo-tagged photograph uploaded through the AwaasSoft MIS.

Why was my PMAY-G application rejected? The five common reasons are pucca house detected on the ground survey, motorised four-wheeler in the household, KCC limit above Rs. 50,000, a government employee in the household, or a name-Aadhaar mismatch. The mismatch case can be fixed at an Aadhaar seva kendra.

How is PMAY-G different from PMAY-U? PMAY-G is for rural households and is run by the Ministry of Rural Development. PMAY-U is for urban households and is run by the Ministry of Housing and Urban Affairs. PMAY-G runs a single new-construction vertical. PMAY-U runs four verticals covering slum redevelopment, credit-linked subsidy, affordable partnership housing, and beneficiary-led construction.

How do I check my PMAY-G status online? Use the beneficiary search on awaassoft.nic.in with the registration number or Aadhaar number, or check DBT credit history at pfms.nic.in. The PMAY-G public dashboard at dashboard.dord.gov.in shows aggregate progress but not individual records.

Is the PMAY-G house registered in the woman's name? Yes, sanction ownership is registered in the woman member's name, or jointly with her husband, unless the household has no adult female member.

Official links and helplines