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The Pradhan Mantri Awas Yojana - Gramin (PMAY-G) is a flagship rural housing scheme launched by the Government of India to achieve the vision of "Housing for All" in rural India. The programme is designed to provide pucca houses with essential amenities to eligible rural households, helping improve living standards while promoting dignity, safety, and social inclusion among economically weaker sections of society.
By addressing the critical housing needs of rural families, PMAY-G plays a vital role in the Government's broader agenda for inclusive growth, rural development, and financial inclusion.
Mahindra Home Finance actively supports the PMAY-G initiative by facilitating access to housing finance solutions for eligible rural households, in line with PMAY-G guidelines and applicable regulatory requirements.
With a strong presence across semi urban and rural India, Mahindra Home Finance helps customers understand the home loan process, navigate subsidy benefits, and move closer to secure home ownership. Through responsible lending practices and deep rural outreach, the company contributes meaningfully to the Government's mission of enabling sustainable, inclusive, and responsible housing finance solutions across rural India.
Financial Assistance and Government Support Under PMAY-G
Beneficiaries under PMAY-G are identified primarily through the Socio Economic and Caste Census
(SECC) 2011 and the Awaas+ survey.
Eligible Households
Explore the complete list of documents required for a smooth process.
Eligible households are identified through the Awaas + mobile application or surveyed by authorized officials at the Gram Panchayat level.
Applications are verified by local authorities and approved at district and state levels.
Funds are released in instalments through Direct Benefit Transfer (DBT) to the beneficiary’s Aadhaar‑linked bank account.
PMAY-G plays a key role in promoting dignified living, financial inclusion, and rural development. By integrating housing with sanitation, employment, and essential infrastructure, the scheme contributes to building self reliant rural communities across India.
Mahindra Home Finance supports this national initiative by facilitating access to housing finance solutions for eligible rural households, in line with applicable PMAY-G guidelines and regulatory requirements. Through its deep understanding of rural markets and customer needs, Mahindra Home Finance assists applicants in navigating the home finance process to help them move closer to secure home ownership.
APPLY NOWPMAY-G is a Government of India initiative aimed at providing pucca houses with basic amenities to eligible families living in rural areas, under the “Housing for All” mission.
PMAY-G was launched on 1 April 2016, replacing the Indira Awaas Yojana (IAY), to address the need for quality rural housing.
Eligibility is determined based on the Socio Economic and Caste Census (SECC) 2011 and the Awaas+ survey. The scheme primarily covers houseless families and those living in kutcha or dilapidated houses in rural areas.
Households owning a pucca house, income tax payers, government employees, and families owning certain assets such as motorized vehicles or large agricultural land are not eligible under the scheme.
Eligible beneficiaries may receive up to ₹1.20 lakh for house construction in plain areas and ₹1.30 lakh in hilly, difficult and North Eastern regions, as per government guidelines.
Houses constructed under PMAY-G include provisions for sanitation, electricity, drinking water and clean cooking facilities, supported through convergence with other government schemes.
The minimum house size under PMAY-G is 25 square metres, including space for a cooking area.
Eligible households are identified through the Awaas+ mobile application or by authorised officials at the Gram Panchayat level. Individual online applications are not accepted directly from beneficiaries.
Funds are released in stages through Direct Benefit Transfer (DBT) into the beneficiary’s Aadhaar linked bank account, ensuring transparency in fund disbursement.
Beneficiaries can check their status online through the PMAY-G official portal, the UMANG mobile application, or AwaasSoft MIS reports.
Yes, PMAY-G is implemented in convergence with schemes such as Swachh Bharat Mission (Gramin), MGNREGA, Pradhan Mantri Ujjwala Yojana, and other allied programmes for basic infrastructure support.
Mahindra Home Finance supports eligible rural households by facilitating access to housing finance solutions in alignment with applicable scheme guidelines and regulatory requirements.
Yes, PMAY-G is applicable across rural areas of India, subject to beneficiary eligibility and scheme norms notified by the Government of India.
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