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Central government schemes

PM Awas Yojana Gramin: Who Gets a Rural House and How Much

Rural house help of 1.2 lakh rupees: who qualifies, the instalments and the survey.

1.3 lakh in hillsSurvey based listPaid in instalmentsChecked 14 Nov

Rural brick house at lintel stage with bamboo scaffolding, built under pm awas yojana gramin

Independent guide. Money Schemes is not a government website and does not take applications or payments. Apply only on the official portal, at a post office, a bank branch or a Common Service Centre.

PM awas yojana gramin gives a houseless family, or one living in a kutcha or broken house in a village, 1.20 lakh rupees to build a pucca house in the plains, or 1.30 lakh rupees in the North East, the hill states and the union territories of Jammu and Kashmir and Ladakh. The family also gets paid labour days for building its own house and 12,000 rupees for a toilet through linked schemes.

The Ministry of Rural Development manages it together with the states. Unlike most yojanas, it has no open application form. Families are picked from survey lists, checked in the gram sabha and sanctioned by the block. The Union Cabinet approved 2 crore more houses for the present phase, using revised rules to find who is eligible.

At a glance

  • Run by

    Ministry of Rural Development with state rural development departments
  • Unit help

    1.20 lakh rupees in plains; 1.30 lakh rupees in North East, hill states, J and K, Ladakh
  • Labour support

    90 or 95 days of unskilled wages under the rural job guarantee
  • Toilet

    12,000 rupees through Swachh Bharat Mission Gramin or other source
  • House size

    At least 25 square metres with a cooking area
  • Time to build

    12 months from sanction
  • Official portal

What the pm awas yojana gramin pays

Support for one rural house
SupportAmountSource
Unit assistance, plains1.20 lakh rupeesCentre and state share
Unit assistance, North East and hill states1.30 lakh rupeesCentre and state share
Own labour on the house90 days (plains) or 95 days (hilly and difficult areas) of unskilled wagesRural job guarantee, now VB-G RAM G
Toilet12,000 rupeesSwachh Bharat Mission Gramin or other dedicated funds
Optional bank loanUp to 70,000 rupees, if the family wants itBanks, facilitated by the state

A PIB backgrounder valued the labour support at about 27,000 rupees at current wage rates. Houses are also linked with drinking water, electricity, and cooking gas under the Ujjwala scheme.

Who is eligible for pradhan mantri awas yojana gramin

Selection runs in two steps under the revised rules.

Step 1. Households in a house with a pucca roof, a pucca wall, or more than two rooms are filtered out.

Step 2. From the rest, a household is automatically excluded if any one of these is true:

  • It owns a motorised three or four wheeler.
  • It owns mechanised three or four wheel farm equipment.
  • It holds a Kisan Credit Card with a limit of 50,000 rupees or more.
  • Any member is a government employee.
  • It runs a non farm business registered with the government.
  • Any member earns more than 15,000 rupees a month.
  • It is an income tax or professional tax payer.
  • It owns 2.5 acres or more of irrigated land, or 5 acres or more of unirrigated land.

The revision removed old exclusions for a two wheeler, a fishing boat, a landline phone and a refrigerator, and lifted the monthly income limit from 10,000 rupees to 15,000 rupees. At national level, at least 60 percent of houses are set aside for SC and ST families, and states try to give 5 percent to persons with disabilities.

The Awaas Plus survey

Families left out of the older census based wait list were surveyed under Awaas Plus, and the list is being updated with a fresh round using the revised exclusion rules. The latest Awaas Plus app supports an assisted survey by a trained surveyor and a self survey option, verifies the family through Aadhaar face authentication, and captures geo tagged photos of the present house. The app also shows 3D house designs prepared with the Central Building Research Institute.

  1. Ask the gram panchayat or block office whether the survey window is open in your village.
  2. Keep Aadhaar of every member, a job card, a bank or post office passbook and a mobile number ready.
  3. Let the surveyor, or the self survey option in the official app, record your details and photograph your present house.
  4. The data goes to the block, and the list is later read in the gram sabha.

The PMAY-G home page also has an "Am I Eligible" tool and a link to the survey. Use only the official app linked from pmayg.dord.gov.in.

From wait list to sanction

The block prepares a priority list for each gram panchayat. The gram sabha verifies it, and the list is displayed in the panchayat for at least seven days. Then there is a 15 day window to complain about a wrong deletion or a change in ranking, heard by a district appellate committee usually headed by the collector. The final Permanent Wait List is put on the panchayat notice board and the official website. Each year the block picks names from the top of this list as its target allows. To see where your family stands, use our gramin beneficiary list guide.

Instalments and building rules

  • The first instalment is sent to the bank or post office account within 7 working days of the sanction order.
  • States fix at least 3 instalments in total. The second is tied to the foundation or plinth stage and the third to the windowsill, lintel or roof stage.
  • A geo tagged, time stamped photo of the house is uploaded at each stage before the next payment.
  • The family builds the house itself or under its own supervision. Contractors engaged by the state are not allowed.
  • Old, sick or disabled beneficiaries can get help through the rural mason training programme.
  • The house should be finished within 12 months of sanction.

To follow payments after sanction, see our PMAY status check page.

Gharkul yojana and other local names

In Maharashtra the rural housing programme is widely called the gharkul yojana or pm gharkul yojana, and the same central rules apply to its PMAY-G houses. Other common spellings include pradhanmantri aawas yojana gramin, pm aawas yojana gramin, pm gramin awas yojana, pm awas gramin yojana and pradhanmantri gramin awas yojana. People also search for gramin awas yojana or awas yojana gramin. All these mean this rural scheme, also called pm awas yojana rural or pradhan mantri awas yojana rural. State run housing schemes are separate; see the PM Awas Yojana overview.

Complaints about the rural house

Speak first to the gram panchayat secretary or the village level worker tagged to your house, then the block development officer. Formal complaints can be lodged on pgportal.gov.in; the ministry forwards them to the state. Social audits are held in every gram panchayat at least once a year, where anyone can raise a problem in public. Never pay a middleman to get a name added or an instalment released.

Frequently asked questions

How much money is given under pm awas yojana gramin?

1.20 lakh rupees in the plains and 1.30 lakh rupees in the North East, the hill states and the union territories of Jammu and Kashmir and Ladakh, plus 90 or 95 days of wages for own labour and 12,000 rupees for a toilet.

Can I apply online for the gramin house?

There is no open online form. Families are taken from the survey based wait list. If a fresh Awaas Plus survey is running, you can be surveyed by the official surveyor or through the self survey option in the official app.

My family has a motorcycle. Am I excluded?

No. The revised rules removed the two wheeler exclusion. Only a motorised three or four wheeler excludes the household.

How many instalments are paid?

At least three. The first comes within 7 working days of sanction and the rest are linked to construction stages chosen by the state.

How long do we get to finish the house?

The framework says the house should be completed within 12 months from the date of sanction.

Is gharkul yojana the same as PMAY-G?

In Maharashtra, gharkul is the common word for a house built under government housing schemes, including PMAY-G. The state also runs its own gharkul schemes, so check which scheme your sanction letter names.

Official sources

Rules, amounts and portals can change. Check the official source before you apply or deposit.