PMAY Eligibility and Documents: Gramin and Urban 2.0

PMAY Gramin eligibility: who is selected

According to a Lok Sabha reply of 17 December 2024, rural beneficiaries are identified from the SECC 2011 based Permanent Wait List and the finalised Awaas+ (2018) survey. The scheme targets:

• houseless households, and
• households living in 0, 1 or 2 room houses with kutcha walls and a kutcha roof.

Within the list, houseless families come first, then families by number of rooms. PIB says deprivation scores favour households with no adult aged 16 to 59, female-headed households with no adult male, households with no literate adult above 25, households with a disabled member and no able-bodied adult, and landless households that depend on casual labour.

At national level, at least 60% of targets are earmarked for SC/ST, 5% for differently-abled persons, and 15% of national funds for minorities. The list is checked in three stages: SECC 2011 data, Gram Sabha and geo-tagging. To see the survey route for families not on the list, read about Awaas Plus.

PMAY Gramin exclusion criteria (revised 2024)

On 14 August 2024 the Ministry of Rural Development modified the exclusion rules for the new phase. Officially confirmed changes:

• Owning a mechanised two-wheeler, mechanised fishing boat, landline phone or refrigerator no longer excludes a household.
• The income limit was raised from Rs 10,000 to Rs 15,000 per month.
• Land-related criteria were simplified.

As reported in the news (Business Today, September 2024; PTI, November 2024), the exclusions that remain include: a motorised three or four-wheeler; mechanised three or four-wheeler farm equipment; a Kisan Credit Card limit of Rs 50,000 or more; a government employee in the household; a government-registered non-agricultural enterprise; a member paying income tax or professional tax; monthly income above Rs 15,000; and 2.5 acres or more of irrigated land (PTI also reported 5 acres or more of unirrigated land).

We could not read the full official list on a government page, so confirm the exact criteria at your Gram Panchayat or block office.

PMAY Urban 2.0 eligibility: income bands

The online form will stop you if household income is above Rs 9,00,000. What each vertical offers is explained on PMAY Urban 2.0.

Other urban rules you must meet

• No pucca house in the name of any family member anywhere in India.
• No housing benefit under any central, state or UT scheme in the last 20 years.
• NRIs are not eligible.
• Family means husband, wife, unmarried sons and/or unmarried daughters. For ISS, the FAQ also counts dependent parents of the borrower or spouse.
• Ownership: the house goes in the female head's name or jointly with her husband. A man alone only when there is no adult woman; widowers, unmarried or separated persons and transgender persons in their own name.
• Residency: States may set a cut-off date.
• Families whose PMAY-U houses were curtailed by the central committee after 31 December 2023 cannot be sanctioned PMAY-U 2.0 houses.

Priority goes to widows, single women, Persons with Disabilities, senior citizens, transgender persons, SC/ST, minorities, Safai Karmis, PM SVANidhi street vendors, PM Vishwakarma artisans, Anganwadi workers, construction workers and slum or chawl residents.

PM Awas Yojana documents list

For Gramin, official sources we read do not publish a fixed national document checklist. Your Gram Panchayat or block office will tell you what your state asks for.

How to check your eligibility

1. Decide whether your home is in a rural or urban area. Statutory Towns, notified towns and planning areas fall under Urban.
2. Rural: check whether your name is on the village list using our PM Awas Yojana Gramin list guide. If not, ask the Gram Panchayat about the Awaas+ survey.
3. Urban: add up the yearly income of husband, wife and unmarried children, and pick your band.
4. Urban: confirm no family member owns a pucca house and no housing benefit was taken in 20 years.
5. Urban: run the eligibility check on the official Apply for PMAY-U 2.0 page, then follow our apply online steps.

Remember: passing the online check does not guarantee a house. Officials verify every application. Nobody can "make you eligible" for a fee; report such offers using our PMAY helpline page.