Monday, 06 Oct, 2025
With the latest approval, the programme will now run through FY 2024-25 to 2028-29. Image Source: IANS
Beneficiaries under PMAY-G are selected based on housing deprivation parameters identified in the Socio-Economic Caste Census (SECC) 2011 and the updated Awaas+ survey conducted in 2018.
The Pradhan Mantri Awaas Yojana – Gramin (PMAY-G), the Centre’s flagship rural housing scheme, is set to continue for another five years with a renewed target of providing assistance for the construction of 2 crore additional pucca houses equipped with basic amenities. Initially launched in 2016, the scheme had aimed to build 2.95 crore houses by the end of FY 2023-24. With the latest approval, the programme will now run through FY 2024-25 to 2028-29.
Beneficiaries under PMAY-G are selected based on housing deprivation parameters identified in the Socio-Economic Caste Census (SECC) 2011 and the updated Awaas+ survey conducted in 2018. The continuation of the scheme will help saturate the updated Awaas+ list and address the remaining eligible households in the SECC 2011 Permanent Wait List. As of July 29, 2025, the Ministry of Rural Development has allocated a cumulative target of 4.12 crore houses (including both Phase I and II) to various States and Union Territories. Of this, 3.84 crore houses have already been sanctioned, and 2.81 crore have been completed, marking significant progress in the government's mission to provide ‘Housing for All’ in rural India.
Source: Pradhan Mantri Awaas Yojana-Gramin
Each beneficiary is entitled to financial assistance of ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly, difficult, and Integrated Action Plan (IAP) regions. The funding is shared between the Centre and States in a 60:40 ratio (90:10 for Northeastern and Himalayan states, and 100 percent central funding for Union Territories). Construction is carried out in three to four installments, and payments are directly transferred into the beneficiaries’ bank accounts using the Direct Benefit Transfer (DBT) system.
PMAY-G converges with other government schemes to ensure basic services. These include the Swachh Bharat Mission (for toilets), Ujjwala Yojana (for LPG connections), Saubhagya (for electricity), and MGNREGS (for wage support during construction). The scheme is backed by a robust digital ecosystem through AwaasSoft and AwaasApp, which help in monitoring, real-time data tracking, and geo-tagging of houses before, during, and after construction.
Despite its success, the scheme faces challenges such as delays in land allocation for landless beneficiaries, shortages of skilled labour in remote areas, fund disbursement bottlenecks, and climatic hurdles in certain regions. Nevertheless, PMAY-G has significantly improved the quality of life for millions of rural families, enhanced social dignity, and stimulated local employment and material markets.
In conclusion, PMAY-G is a landmark initiative in India’s rural development strategy. Through its integrated, people-centric approach, it has played a key role in transforming rural housing and advancing multiple Sustainable Development Goals (SDGs), including poverty reduction, improved living conditions, and social inclusion.
