PM Awas Yojana Amount and Installments: How Much You Get
Pradhan Mantri Awas Yojana me kitna paisa milta hai? The answer differs for villages and towns. Here are the amounts, how installments are released, and how to check whether your payment has come.
- Gramin, plain areas
- Rs 1,20,000 per house
- Gramin, hilly/difficult/IAP
- Rs 1,30,000 per house
- Gramin toilet
- Rs 12,000 under SBM (G), or via MGNREGS
- Gramin wage days
- 90 days (plains) / 95 days (difficult areas)
- Urban BLC/AHP
- Up to Rs 2.5 lakh (Centre plus State)
- Urban ISS subsidy
- Up to Rs 1.80 lakh in 5 yearly instalments
People ask "PM Awas Yojana kitna paisa milta hai" (पीएम आवास योजना में कितना पैसा मिलता है) and "2 kist kab aayegi" (दूसरी किस्त कब आएगी). This page answers both, separately for PMAY Gramin and PMAY Urban 2.0, with the date each figure comes from. Amounts below are as stated in the official sources listed at the end, checked on 14 October 2026.
This site is an independent guide. We cannot check your payment or release any money. For the rural scheme in full, see PMAY Gramin.
PMAY Gramin: how much money per house
| Item | Plain areas | Hilly states, difficult areas, IAP districts |
|---|---|---|
| Unit assistance | Rs 1,20,000 | Rs 1,30,000 |
| Wage employment for own house | 90 person-days | 95 person-days |
| Toilet | Rs 12,000 (SBM-G) or via MGNREGS | Rs 12,000 (SBM-G) or via MGNREGS |
| Optional loan | Up to Rs 70,000 at a 3% reduced interest rate | Up to Rs 70,000 at a 3% reduced interest rate |
The 2024 Cabinet decision lists the higher Rs 1.30 lakh rate for North-Eastern states, Himachal Pradesh, Uttarakhand, and the UTs of J&K and Ladakh, and says new houses are at existing unit rates. Rs 1.30 lakh is not for everyone; most plain-area families get Rs 1.20 lakh.
The wage days come from the rural employment guarantee scheme, over and above the unit assistance. PIB valued this at about Rs 18,000 in 2021. The house must be at least 25 sq m, including a hygienic cooking area, and a toilet is a required part of it. Under the older Indira Awaas Yojana, the amounts were Rs 70,000 and Rs 75,000.
PMAY Gramin installments: no single national schedule
Each state decides the number and size of installments. Money goes by DBT into the beneficiary's Aadhaar-linked bank or post office account. Before each next installment, a geo-tagged, time-stamped photo of the house with the beneficiary is uploaded to AwaasSoft through AwaasApp.
Example from the Dhenkanal district, Odisha guideline (state rules can change):
| Stage | Non-IAP area | IAP area |
|---|---|---|
| Work order | Rs 20,000 | Rs 20,000 |
| Plinth level | Rs 30,000 | Rs 35,000 |
| Roof level | Rs 40,000 | Rs 45,000 |
| Completion with toilet | Rs 30,000 | Rs 30,000 |
Assam, by contrast, uses three installments, with completion expected within 18 months of the first. Ask your block office for your state's schedule.
हिंदी में सारांश
PMAY ग्रामीण में मैदानी क्षेत्रों में प्रति घर 1,20,000 रुपये और पहाड़ी, कठिन तथा IAP जिलों में 1,30,000 रुपये मिलते हैं। इसके अलावा रोज़गार गारंटी योजना से 90 या 95 दिन की मज़दूरी और स्वच्छ भारत मिशन से शौचालय के लिए 12,000 रुपये मिलते हैं। किस्तों की संख्या और राशि राज्य तय करता है, कोई एक राष्ट्रीय सूची नहीं है। हर अगली किस्त जियो-टैग फोटो अपलोड होने के बाद DBT से आधार से जुड़े खाते में आती है। दूसरी किस्त की कोई तय राष्ट्रीय तारीख नहीं है। PMAY शहरी 2.0 में BLC और AHP के लिए प्रति घर 2.5 लाख रुपये तक मदद मिलती है और BLC की किस्तें 40:40:20 में आती हैं। ISS में अधिकतम 1.80 लाख रुपये की ब्याज सब्सिडी 5 सालाना किस्तों में मिलती है। किस्त के लिए पैसे माँगने वालों से बचें।
PM Awas Yojana 2 kist kab aayegi?
There is no fixed national date for the second installment. It is released when your house reaches the next stage set by your state (often plinth level), the inspecting official uploads the geo-tagged photo, and funds are available with the state. Delays usually happen because:
- the stage photo has not been uploaded or was rejected,
- the bank account is not Aadhaar-linked, or details do not match,
- the state is waiting for central or state funds.
Any website or caller that promises "your 2nd kist will come on a date if you pay" is a fraud.
How to check PMAY Gramin payment status
- Open the PMAY-G reporting portal at rhreporting.nic.in. Some guides report a move to a new address, which is not officially confirmed.
- Look for the beneficiary search, usually under Stakeholders and "IAY/PMAYG Beneficiary".
- Type your PMAY-G registration number and submit. Without it, use Advanced Search with state, district, block, panchayat, year and name.
- Check "installments paid" and FTO (fund transfer order) details in your record.
- If a payment is shown but not received, check with your bank. If not shown, contact the Gram Panchayat secretary or Block Development Officer.
Menu names may differ. Our PMAY status check page and rhreporting guide explain the screens in more detail.
PMAY Urban 2.0: how much money you get
For BLC (build on own land) and AHP (buy a flat), the Cabinet text of 9 August 2024 sets the per-house shares:
| Area | Centre | State (minimum) |
|---|---|---|
| NE States, Himachal Pradesh, Uttarakhand, J&K, Puducherry, Delhi | Rs 2.25 lakh | Rs 0.25 lakh |
| Other UTs | Rs 2.50 lakh | Not applicable |
| Remaining States | Rs 1.50 lakh | Rs 1.00 lakh |
The beneficiary pays at least 25% of the cost. BLC money comes in instalments in the ratio 40:40:20.
ISS (home loan subsidy): 4% interest subsidy on the first Rs 8 lakh of a loan up to Rs 25 lakh, for houses worth up to Rs 35 lakh and tenure up to 12 years. Maximum Rs 1.80 lakh, released in 5 yearly instalments. It applies only to loans sanctioned and disbursed on or after 1 September 2024. More on the verticals at PMAY Urban 2.0.
PMAY Urban subsidy status and the old CLSS
For ISS, PIB says you can check your account through the website, OTP or a smart card. Your application itself is tracked through Applicant Login, as explained on PMAY 2.0 track application.
The old CLSS subsidy belonged to PMAY-U 1.0 and was left out of the later extensions, so "PMAY subsidy last date extended" news about CLSS is old. For pending CLSS queries, the official CLSS page lists toll-free numbers; see our PMAY helpline page.
Frequently asked questions
PM Awas Yojana me kitna paisa milta hai 2026?
In PMAY Gramin, the unit assistance is Rs 1,20,000 in plain areas and Rs 1,30,000 in hilly states, difficult areas and IAP districts, plus wage days and Rs 12,000 for a toilet. In PMAY Urban 2.0, BLC and AHP give up to Rs 2.5 lakh per house, and ISS gives up to Rs 1.80 lakh interest subsidy.
When will the PM Awas Yojana second installment come?
There is no national date. The second installment is released after your house reaches the stage your state has fixed, usually plinth level, and the official uploads the geo-tagged photo. If it is late, check your beneficiary record on the PMAY-G reporting portal and then contact your Gram Panchayat or block office.
How can I check PMAY payment status?
For PMAY Gramin, search your record by registration number on the PMAY-G reporting portal and look at installments paid and FTO details. For PMAY Urban 2.0, use the Applicant Login on the official portal; for ISS, PIB says accounts can be checked through the website, OTP or smart card. Your bank statement also shows credits.
Is PMAY Gramin installment amount the same in every state?
No. Each state fixes the number and size of installments. For example, a Dhenkanal district, Odisha document lists four stages from Rs 20,000 to Rs 45,000, while Assam uses three installments. Ask your block office for the schedule in your state rather than trusting one national table online.
What is the PMAY home loan subsidy amount under PMAY 2.0?
Under the Interest Subsidy Scheme of PMAY 2.0, eligible families get a 4% interest subsidy on the first Rs 8 lakh of a home loan up to Rs 25 lakh, for houses valued up to Rs 35 lakh. The maximum subsidy is Rs 1.80 lakh, released in 5 yearly instalments. Lenders must not charge processing fees up to the eligible amount.
Can I get a loan along with PMAY Gramin money?
Yes. PIB's November 2024 backgrounder says beneficiaries may take a loan of up to Rs 70,000 from financial institutions at a 3% reduced interest rate. How banks offer this today was not confirmed, so ask your bank branch and block office. The loan is optional and separate from the unit assistance.
Sources: PIB PMAY-G backgrounder, September 2021 · Cabinet approval of PMAY-G 2024-29 · CAG Report No. 8 of 2025, Chapter I · Dhenkanal district PMAY-G scheme document · Assam P&RD PMAY-G page · Cabinet approves PMAY-U 2.0. Checked 14 October 2026. Rules change: always confirm on the official portal.