The Pradhan Mantri Awas Yojana-Gramin (PMAY-G) is the rural counterpart of the mission, specifically designed to address the housing needs of families in villages. As of January 2026, the scheme is in its extended phase (2024–2029), with a target to construct an additional 2 crore houses.
Key Features of PMAY-G (2026)
1. Financial Assistance Structure
The assistance provided under PMAY-G is a direct grant, not a loan. However, beneficiaries can additionally opt for a subsidized loan.
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Plain Areas: ₹1.20 Lakh per unit.
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Hilly & Difficult Areas: ₹1.30 Lakh per unit (Includes North-Eastern states, Himalayan states, and UTs like Ladakh).
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Interest Subsidy: Beneficiaries can avail a loan up to ₹70,000 at a 3% lower interest rate for additional construction costs.
2. Convergence Benefits (The “Saturation” Model)
PMAY-G ensures the house is not just a structure but a livable home by integrating with other government schemes:
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Sanitation: ₹12,000 extra for toilet construction via Swachh Bharat Mission (SBM-G).
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Livelihood: 90–95 days of unskilled labor wages (approx. ₹27,000+) through MGNREGA.
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Utilities: Provision for free LPG connections (Ujjwala Yojana) and electricity (Saubhagya).
Eligibility & Selection Process
Unlike the Urban scheme, which is demand-based, the Rural scheme identifies beneficiaries through a predefined list.
Automatic Inclusion Categories:
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Houseless households.
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Destitute families living on alms.
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Manual scavengers.
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Primitive Tribal Groups (PVTGs).
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Legally released bonded laborers.
The Selection Workflow:
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Identification: Based on SECC 2011 and Awaas+ 2024 surveys.
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Verification: The list is presented to the Gram Sabha for local verification.
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Geo-tagging: Using the AwaasApp, the current kutcha house is photographed with GPS coordinates before any funds are released.
Updated 2026 Guidelines
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Minimum House Size: 25 sq. m. (approx. 270 sq. ft.) including a dedicated area for hygienic cooking.
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Women Empowerment: 74% of PMAY-G houses are currently owned by women; the 2026 mission aims for 100% ownership (solely or jointly).
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Transparent Payments: 100% of payments are made via Aadhaar-based Direct Benefit Transfer (DBT).
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New Tech: Use of 3D house designs and local materials to ensure disaster resilience.
PMAY-G Quick Summary Table
| Component | Detail |
| Current Target (2024-2029) | 2 Crore Additional Houses |
| Cost Sharing (Plain) | 60:40 (Centre:State) |
| Cost Sharing (NE/Hilly) | 90:10 (Centre:State) |
| Construction Time | Target completion within 12 months of sanction |
| Monitoring App | AwaasApp / AwaasSoft |