Ministry of Rural Development
PM Awas Yojana Gramin (PMAY-G) 2026 – ₹1.30 Lakh for Rural House Construction
Objective
PM Awas Yojana Gramin provides financial assistance to rural households living in kutcha or dilapidated houses to construct a safe, permanent pucca house — with direct fund transfer to the beneficiary's bank account in instalments.
Eligibility Criteria
- Rural households listed in the SECC (Socio Economic Caste Census) data as houseless or living in kutcha/dilapidated house
- Priority to: homeless families, single-room kutcha house dwellers, households with no adult male member, SC/ST families, minorities, and differently-abled individuals
- The household must not have received benefit under any previous housing scheme (IAY)
- Annual household income should be within limits specified by state government
- Beneficiary must complete minimum 90/95 days of MGNREGA work (linked for wage support during construction)
Benefits & Features
- 1₹1,20,000 for construction of pucca house in plain area states
- 2₹1,30,000 for construction in hilly states, North-East, and IAP (Integrated Action Plan) districts
- 3Additional ₹12,000 for construction of a toilet (linked with Swachh Bharat Mission)
- 4Loan up to ₹70,000 from bank for additional construction needs
- 590–95 days of MGNREGA wage support during construction (typically ₹18,000–20,000)
- 6Technical assistance from government-appointed construction supervisor
Required Documents
- Aadhaar card (mandatory for DBT transfer)
- Job card (MGNREGA) — linked for additional wage support
- Bank account passbook (Aadhaar-linked for direct fund transfer)
- SECC ID (if available) — your name should be in the SECC-2011 list
- Caste certificate (for SC/ST priority)
- BPL ration card (if applicable)
- Photograph of existing kutcha house
How to Apply
Frequently Asked Questions
| How do I check if my name is in the PMAY-G beneficiary list? | Visit pmayg.nic.in → click 'Stakeholders' → 'IAY/PMAYG Beneficiary' → enter your registration number or search by state/district/block/village. |
| My name is in the SECC list but I haven't received the house. What should I do? | Visit your Gram Panchayat or Block Development Officer (BDO) with your Aadhaar card and SECC ID. You can also raise a grievance on the Awaas+ app or at pmayg.nic.in under the grievance section. |
| Can I build a bigger house than the minimum size? | Yes. The minimum size is 25 sq metres (about 270 sq ft), but you can build larger by adding your own money or a bank loan (up to ₹70,000 available under PMAY-G). |
Official Portal & Helpline
1What Is PM Awas Yojana Gramin?
In India's villages, millions of families still live under roofs that leak in the monsoon and crumble in the cold. PMAY-G was launched to make sure every rural family has at least one permanent, safe room to call home.
PM Awas Yojana Gramin gives rural households ₹1.20–1.30 lakh directly — no contractor, no middleman — to build a pucca house. The money comes in three instalments, each released after the construction at that stage is photographed and verified through the AwaasSoft system.
The scheme is ongoing in 2026. If you live in a rural area and have a kutcha or damaged house, read this carefully.
2How Much Money Will You Get?
| Location | House Assistance | Toilet Assistance (SBM) | Total |
|---|---|---|---|
| Plain states | ₹1,20,000 | ₹12,000 | ₹1,32,000 |
| Hilly/NE/IAP districts | ₹1,30,000 | ₹12,000 | ₹1,42,000 |
Additionally, you get 90–95 days of MGNREGA wages during construction — usually ₹18,000–20,000 depending on your state's wage rate.
If you need more money to build, you can get a bank loan of up to ₹70,000 at subsidised rates.
3How to Check If You're on the List
PMAY-G selects beneficiaries from the SECC-2011 data — the national survey of socioeconomic conditions. If your household was surveyed and listed as houseless or kutcha-housed, you're on the priority list.
Check your name:
- Go to pmayg.nic.in
- Click Awaassoft → Report → Social Audit Reports → search by state/district/block/village
- Or ask your Gram Panchayat for the official waiting list
Not on the list? Submit a written application to your Block Development Officer (BDO) with documents showing you live in a kutcha house. Or use the Awaas+ mobile app to register your complaint.
4How the Money Is Released
Once selected, you'll receive the funds in three instalments:
| Instalment | Amount | Condition |
|---|---|---|
| 1st | ₹40,000 | After Aadhaar-linked bank account verification |
| 2nd | ₹85,000 | After house reaches lintel level — photo uploaded on AwaasSoft |
| 3rd | ₹35,000 | After roof completion — photo verified |
A government-appointed technical supervisor visits and photographs your construction. No need to collect any certificate from the Panchayat — it's all done through the app.
5Minimum House Size and Features
The government specifies a minimum standard:
- Floor area: 25 sq metres (about 270 sq ft) — one living room plus a kitchen
- Must include a toilet (Swachh Bharat Mission funds this separately)
- Ground floor must be pucca — brick/stone/cement walls, concrete or RCC roof
- Must use local, cost-effective building materials
You can build a larger house with your own money — the PMAY-G grant is the foundation, not the limit.
6Avoid These Mistakes
- Don't pay anyone to get your name on the list — selection is from the official SECC database, not discretionary
- Ensure your bank account is Aadhaar-linked — otherwise instalments will not be credited
- Don't sell or transfer the house within 5 years of construction — it will disqualify you from future government schemes