Pradhan Mantri Awaas Yojana - Gramin

✦Key Features

• Financial assistance: ₹1.20 lakh (plains) and ₹1.30 lakh (hilly/NE/difficult areas) per house
• Phase II (2024-2029): 2 crore additional houses sanctioned by Cabinet
• 3.86 crore houses sanctioned; 2.92 crore completed as of Dec 2025
• Beneficiaries identified using SECC 2011 data + Awaas+ app
• Convergence with SBM-G (toilet), Saubhagya (electricity), Ujjwala (LPG), Jal Jeevan Mission
• MGNREGA linkage: 90-95 days unskilled wage for house construction
• Budget FY2026-27: ₹54,916 crore (266% increase from ₹15,000 crore in 2016-17)

✓Eligibility Criteria

• Households identified as houseless or living in 0, 1, or 2 room kutcha houses as per SECC 2011 data.
• Families belonging to Scheduled Castes, Scheduled Tribes, Minorities, and other BPL categories.
• Households without any pucca house in their name anywhere in the country.
• Families whose names appear on the PMAY-G permanent waitlist (PWL) after due verification.

★Benefits

• Provision of a safe and secure pucca house, enhancing the dignity and quality of life for rural families.
• Financial assistance that significantly reduces the burden of housing costs on poor households.
• Improved access to basic amenities like sanitation, electricity, and clean cooking fuel through scheme convergence.
• Livelihood enhancement through employment generation in the construction sector and unskilled wage support from MGNREGA.
• Reduced vulnerability to environmental factors and natural disasters due to improved housing standards.

▶Application Process

• Identification of beneficiaries from the PMAY-G permanent waitlist (PWL) generated from SECC 2011 data.
• Verification of eligibility by the Gram Sabha to ensure transparency and prevent exclusion/inclusion errors.
• Geo-tagging and photographic evidence of the existing housing condition and different stages of construction.
• Registration of beneficiaries on the AwaasSoft portal with their Aadhaar and bank details.
• Sanction of the house and release of financial assistance in multiple instalments directly into the beneficiary's bank account.
• Monitoring of construction progress through geo-tagged photographs and physical verification by local authorities.

₹ Budget Allocation

54500

Funding Ratio (Centre:State): 60:40 (General States), 90:10 (NE/Hilly), 100% (UTs)

Historical Context

Launched in 2016 by restructuring the Indira Awaas Yojana. Phase II (2024-2029) was approved in August 2024 to build 2 crore more houses.

Challenges

• Delay in land allotment for landless beneficiaries
• Rising cost of sand, cement, and bricks vs fixed government subsidy
• Geographical challenges in North-Eastern and Hilly terrains
• Issues with Aadhaar-linked payment failures

Reforms & Recommendations

• Introduction of climate-resilient and green building materials
• Direct procurement of raw materials by the government to bypass local inflation

Performance Statistics

SDG Linkages

Constitutional Backing

Technology Used

Success Stories

Key Takeaways

• Unit assistance: Rs. 1.2 Lakh (Plains), Rs. 1.3 Lakh (Hilly/Difficult areas)
• Minimum house size: 25 sq. m. including a basic kitchen area
• Mandatory construction of toilet
• Selection via SECC 2011 and Awaas+ survey

Convergence Schemes

• MGNREGA (90/95 days of unskilled labor)
• Swachh Bharat Mission - Gramin (Rs. 12,000 for toilet)
• Jal Jeevan Mission (Tap water connection)

Sector Tags