Pradhan Mantri Awas Yojana Gramin (PMAYG) is a government scheme created to help people in rural India get safe and good-quality homes. This scheme, earlier called “Indira Awaas Yojana” since 1985, was restarted in 2016 as part of the Housing for All by 2024 mission. Now, the program has been extended until 2025 to assist more families in villages to build or buy their own houses.
Understanding the PMAYG.nic.in Report 2025
PMAYG aims to provide pucca houses with basic facilities like water, sanitation, and electricity to eligible rural families. It focuses on those who don’t own proper homes or live in old, damaged kutcha houses. The target was to build 1.95 crore pucca homes between 2019 and 2024 but has now been extended to build 2.95 crore houses by 2025.
Also read – Check Your Name in PMAY Gramin List
In the Union Budget 2024-25, the government planned to deliver 80 lakh affordable houses by 2025. It also allocated Rs 48,000 crore to speed up delayed housing projects. The minimum house size under PMAYG 2025 has been raised from 20 to 25 square meters for better living conditions.
Also read – PMAY Online Application Form
PMAYG 2025 Subsidy and Loan Benefits
- Eligible beneficiaries can get loans up to Rs 70,000 from selected financial institutions.
- They also get an interest subsidy of about 3% on these loans.
- The maximum subsidy allowed on the principal loan amount is Rs 2 lakh.
- Subsidy on EMIs can be up to Rs 38,359.
Main Highlights of Pradhan Mantri Awas Yojana Gramin
| Scheme Name | Pradhan Mantri Awas Yojana Gramin (PMAYG) |
| Official Website | pmayg.nic.in |
| Helpline Number | 1800-11-6446 / 1800-11-8111 |
| Beneficiary Registration Guide | Download Manual |
| PMAYG Portal | Online Application and Services |
Main Objectives of PMAYG 2025
This scheme helps those living in kaccha houses, damaged homes, or without any home. Besides giving a house, it also supports essential services like electricity, LPG connection, drinking water, and road access.
Check Your Name in Pradhan Mantri Awas Yojana List
Benefits of PMAYG 2025
- In plain areas, the Centre and state governments share costs 60:40, providing around Rs 1.20 lakh aid per house.
- In Himalayan, Northeast states, and Jammu & Kashmir UT, the ratio is 90:10, with aid up to Rs 1.30 lakh per house.
- MGNREGS beneficiaries earn Rs 90.95 daily for unskilled work, helping with house construction.
- Gram Sabhas verify beneficiary details based on Socio-Economic and Caste Census (SECC) data.
- An additional Rs 12,000 is given for permanent toilets and water tanks in every house, fully funded by the central government.
- All payments are made digitally, directly to bank or post office accounts linked with Aadhaar.
- Beneficiaries can choose house designs based on their local climate, culture, and geography.
Who Can Apply? PMAYG 2025 Eligibility
- Families without homes or living in kutcha houses with zero, one, or two rooms.
- Households without a literate adult aged 25 or above.
- Families without adult males aged 16 to 59 or with no adults in this age group.
- Landless casual labour families.
- Scheduled Castes, Scheduled Tribes, and minority communities.
- Families with only one differently-abled member and no able-bodied person.
Documents Needed to Apply
- Aadhaar card number of the beneficiary.
- Consent form to use Aadhaar on applicant’s behalf.
- MGNREGA job card number (if applicable).
- Swachh Bharat Mission registration number.
- Bank passbook with IFSC code.
- Mobile number (optional).
How to Apply Online on PMAYG.nic.in 2025
- Create or log in to your account on the official PMAYG website.
- Enter your personal details like gender, mobile number, Aadhaar number.
- Upload the signed consent document to use your Aadhaar information.
- Use the search option to find the beneficiary name, PMAY ID, or priority list.
- Click “Register” to fill in beneficiary details such as relationship, ownership type, and Aadhaar number.
- Fill in bank details and loan details if applying for housing finance.
- Provide MGNREGA work card and Swachh Bharat Mission numbers.
- The relevant office will verify and complete the application process.
Check Your PMAYG 2025 Application Status
- Visit the official website: https://pmayg.nic.in/netiay/home.aspx.
- Select the ‘Awaasoft’ tab on the homepage.
- Enter your FTO number or PFMS ID with the captcha code and submit.
- Your current application status will show up on the screen.
Contact Information
- Email helpdesk: pfms[at]gov[dot]in
Frequently Asked Questions (FAQs)
What is the official website to check the PMAY Gramin beneficiary list online?
You can check the PMAY Gramin beneficiary list on rhreporting.nic.in.
What benefits will selected applicants get under the PMAY Gramin scheme?
Selected applicants receive financial help to build their own permanent house under PMAY Gramin.
Who is eligible for benefits under the PMAY Gramin scheme?
Permanent residents of India who don’t have a permanent house can apply for PMAY Gramin benefits.