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PMAY-Gramin — A Permanent Home for Every Rural Family Without One
Last verified: May 2026 · 8 min read · JaBaSu Knowledge Commons
At a Glance
| Parameter |
Detail |
| Full Name |
Pradhan Mantri Awas Yojana – Gramin (PMAY-G) |
| Launched |
20 November 2016 (replaced Indira Awas Yojana) |
| Nodal Ministry |
Ministry of Rural Development |
| Status |
Active — extended to March 2029; Awaas+ 2024 survey ongoing for new beneficiaries |
| Financial Assistance (Plain areas) |
Rs. 1,20,000 per house |
| Financial Assistance (Difficult/hilly areas) |
Rs. 1,30,000 per house |
| Convergence — Toilet |
Rs. 12,000 from Swachh Bharat Mission-Gramin |
| Convergence — Employment |
90-95 days unskilled labour from VB-G RAM G / MGNREGA |
| National Progress (Nov 2024) |
3.21 crore sanctioned; 2.67 crore completed (95% completion rate) |
| Odisha Progress |
14.5 lakh+ houses built; Odisha among top completing states |
| Women Ownership |
74% of sanctioned houses — women owners (sole or joint) |
| Official Portal |
pmayg.nic.in / pmayg.dord.gov.in |
| Cost Sharing |
60:40 Centre:State (general states) |
Who Is Eligible?
Automatically included (no application needed — listed in SECC)
- Households without any shelter
- Destitute families living on alms
- Manual scavengers
- Primitive Tribal Groups (PVTGs)
- Legally released bonded labourers
The 10 exclusion criteria (recently reduced from 13)
- Families with three or four-wheelers or motorised boats
- Families with mechanised farm equipment
- Kisan Credit Card holders with credit limit above Rs. 50,000
- Income taxpayers
- Professional tax payers
- Landline telephone owners
- Refrigerator owners
- Landholders with more than 2.5 acres irrigated land (or 5 acres for 2+ crop seasons)
- Households with total land exceeding 7.5 acres
- Monthly income above Rs. 15,000 (recently revised upward)
Priority within eligible households
- SC/ST households: 60% of all targets reserved nationally
- Minority households: 15% of funds
- Persons with disabilities: 5% reservation
- Families affected by natural disasters: 5% reservation
Installment Schedule & Disbursement
| Stage |
Amount Released |
| Sanction (start of construction) |
Rs. 15,000–25,000 (varies by state) |
| Foundation / Plinth level complete |
Rs. 45,000 |
| Window sill / Lintel level complete |
Rs. 30,000–40,000 |
| Roof cast complete with doors and windows |
Rs. 25,000–30,000 |
What Is It?
Pradhan Mantri Awas Yojana – Gramin (PMAY-G) is the Government of India's flagship rural housing scheme — a direct cash-to-construction support programme that enables rural poor families living in kutcha (temporary) houses or without any shelter to build a permanent, weather-resistant pucca house. Launched in 2016 to replace the Indira Awas Yojana (IAY), PMAY-G operates on a simple principle: identify the most deprived, give them direct financial assistance in construction-linked installments, and support them with employment wages for the labour component.
The scheme has been extended to March 2029 with a target of constructing 2 additional crore houses beyond the original 3.32 crore target. A new Awaas+ 2024 survey is being conducted using a mobile app to identify additional eligible households not captured in the 2011 SECC data — the primary mechanism through which new beneficiaries are added to the programme in this extended phase.
Odisha specifically: Over 14.5 lakh houses have been built across Odisha under the scheme, and Odisha is among the top-completing states nationally. The state's 74% women ownership rate matches the national figure — making PMAY-G both a housing programme and an asset-transfer programme for rural women.
The convergence design is PMAY-G's most important structural feature. No single government scheme provides a complete house. PMAY-G is designed to function alongside: Swachh Bharat Mission (toilet); VB-G RAM G/MGNREGS (unskilled labour wages for construction); Pradhan Mantri Ujjwala Yojana (LPG connection); and JJM (piped drinking water). A family that accesses all convergent benefits receives not just four walls but a liveable, dignified home.
How to Apply / Access
If your name is in the SECC 2011 list:
- Check the Permanent Waitlist at pmayg.nic.in — search by name, Aadhaar, or registration number
- Attend Gram Sabha when your village's housing list is confirmed
- Complete Aadhaar seeding and bank account linking (ABPS mandatory)
- Construction begins after first installment is received
- Geo-tagged photographs must be uploaded at each construction stage
If your name is NOT in the SECC 2011 list (new survey route):
- Check if your Gram Panchayat is conducting an Awaas+ 2024 survey
- Approach the Gram Panchayat Secretary or Block Development Officer
- Self-survey is possible through the Awaas+ 2024 mobile app
- Cases are verified by Gram Sabha and forwarded to Block for approval
Check beneficiary status: pmayg.nic.in → Awaassoft → Report → Select Odisha → District → Block → Village
What NGOs Need to Know — the Practical Reality
1
SECC 2011 data is 14 years old and has significant exclusion gaps. Millions of genuinely poor rural families were missed in the 2011 SECC survey — due to migration, survey errors, boundary changes, or simple administrative failure. In Odisha's tribal districts, entire PVTG habitations were surveyed inadequately. The Awaas+ 2024 survey is the current mechanism for addressing this — but the survey requires mobile internet and app access that gram sevaks in remote areas often lack. NGOs can facilitate survey completion by bringing tech support to remote habitations.
2
PVTG families have a documented access gap. PVTGs are automatically included in PMAY-G eligibility — but PM-JANMAN housing (the specific PVTG housing component) and PMAY-G overlap in ways that create administrative confusion. In Malkangiri and Koraput, Bonda and Didayi families often do not receive PMAY-G benefits because they are assumed to be covered under PM-JANMAN housing — which is itself behind target. NGOs should verify actual house sanction status for PVTG families in their operational areas.
3
The 74% women ownership figure conceals joint account problems. While 74% of PMAY-G houses are registered in women's names (sole or joint), the DBT payment requires the bank account to be in the woman's individual Aadhaar-linked account. Many joint accounts or accounts in the husband's name block women from receiving payments even when the house is in their name. This mirrors the Subhadra Yojana DBT barrier. NGOs can help women open individual Aadhaar-linked accounts specifically for PMAY-G.
4
Construction quality varies enormously. PMAY-G specifies weather-resistant pucca construction — but the financial assistance of Rs. 1.2 lakh is insufficient for the actual cost of a quality house in 2025 price terms. Beneficiaries routinely top up with personal savings, informal loans, or additional VB-G RAM G wages. NGOs supporting PMAY-G beneficiaries can facilitate access to the Rs. 70,000 institutional loan component at 3% interest to bridge this gap.
5
Geo-tagged photo upload barriers delay installments. The construction-linked installment release requires geo-tagged photos uploaded at each stage through AwaasSoft. In areas without internet connectivity, photos uploaded later are sometimes rejected for incorrect timestamps. NGOs can act as facilitation intermediaries — helping beneficiaries upload photos correctly and escalating delayed installment releases to Block Development Officers.
6
The construction employment window is an opportunity. PMAY-G beneficiaries are entitled to 90-95 days of unskilled VB-G RAM G employment for their own house construction — this can generate Rs. 22,000–23,000 in additional wages alongside the construction grant. In practice, many beneficiaries don't claim this entitlement because they don't know about it. NGOs can specifically facilitate VB-G RAM G job card use for PMAY-G construction labour.
How JaBaSu Helps NGOs Connect Their Communities
Awaas+ survey facilitation
JaBaSu helps partner NGOs identify households in their communities that were missed in SECC 2011 and are eligible under the Awaas+ 2024 survey — bringing technical support (smartphones, internet, app navigation) to remote habitations to complete surveys that block staff cannot reach.
DRDA and Block interface for stalled cases
JaBaSu's Government Interface team works with District Rural Development Agency (DRDA) officials and Block Development Officers to resolve stalled PMAY-G cases — including delayed installments due to geo-tag errors, ABPS failures, or beneficiary name mismatches between Aadhaar and SECC records.
Women's individual bank account facilitation
JaBaSu coordinates with bank correspondents and branch managers to help women PMAY-G beneficiaries open individual Aadhaar-linked accounts — the prerequisite for receiving DBT payments directly.
Convergence package facilitation
JaBaSu helps NGO partner communities access the full PMAY-G convergence stack — toilet (SBM-G), LPG (PMUY), water connection (JJM), and VB-G RAM G construction wages — ensuring families receive not just the house but the complete liveable package.
PVTG housing gap documentation
For partner NGOs in PVTG areas, JaBaSu prepares formal saturation gap reports documenting the difference between eligible PVTG families and actual PMAY-G or PM-JANMAN housing sanctions — submitted to ITDA and District Collectors for administrative action.