PMAY Gramin 2026 (PMAYG): Beneficiary List, Awas Plus Status Check & Apply Online

Every few months, a family somewhere in rural India sits at the gram panchayat office trying to figure out why their PMAYG installment has not come, even though their name is right there on the beneficiary list. The house is half-built. The money was supposed to arrive weeks ago. Nobody has a clear answer. That frustration is more common than the government would like to admit, and it almost always traces back to one of three things: a geo-tagging step nobody told the beneficiary about, an Aadhaar-bank linkage issue, or a Fund Transfer Order stuck in limbo at the block level.

This article cuts through all of that. Whether you are checking your name for the first time, trying to understand the new Awaas Plus 2024 survey under PMAY-G 2.0, tracking an installment that has not arrived, or figuring out how to escalate a stalled payment, you will find a clear, step-by-step answer here. The portals, the forms, the exact steps and what to do when the process breaks down.

What Is Pradhan Mantri Awas Yojana Gramin (PMAY-G)?

Pradhan Mantri Awas Yojana Gramin, commonly written as PMAYG or PMAY-G, is a Central Government scheme under the Ministry of Rural Development that provides direct financial assistance to eligible rural families to build a permanent, pucca house with basic amenities. It replaced the older Indira Awas Yojana in April 2016 and operates through two official portals: pmayg.nic.in (the main public portal) and awaassoft.nic.in (where beneficiary details, installment status, and FTO tracking are available).

Financial assistance under PMAY-G is Rs.1.20 lakh for beneficiaries in plain areas and Rs.1.30 lakh for those in hilly states, North-Eastern states, Jammu & Kashmir, Ladakh, and IAP (Integrated Action Plan) districts. The money is released in installments directly to the beneficiary's Aadhaar-linked bank account through DBT.

PMAY Gramin Latest Updates — 2026

The scheme has seen significant changes since 2024. Before diving into how to check lists or track payments, understanding where things stand in 2026 will save you a lot of confusion.

PMAY-G 2.0: 2 Crore Additional Houses Approved for 2024-2029
In August 2024, the Union Cabinet approved PMAY-G's continuation as a fresh phase covering FY 2024-25 to FY 2028-29, with a target of 2 crore additional rural houses. The total outlay approved for this expansion is Rs.3.06 lakh crore. As of March 2026, cumulative completions stand at 2.99 crore houses against a revised total target of 4.95 crore by 2029.

Note: Source: pmayg.nic.in official dashboard, March 2026. Phase I and II figures are cumulative.

PMAY-G 2.0: 2 Crore Additional Houses Approved for 2024-2029
In August 2024, the Union Cabinet approved PMAY-G's continuation as a fresh phase covering FY 2024-25 to FY 2028-29, with a target of 2 crore additional rural houses. The total outlay approved for this expansion is Rs.3.06 lakh crore. As of March 2026, cumulative completions stand at 2.99 crore houses against a revised total target of 4.95 crore by 2029.

Awaas Plus 2024 Survey: The Gateway for New Applicants
The original PMAY-G beneficiary list was built on SECC 2011 (Socio-Economic and Caste Census) data. Millions of genuinely poor rural families were simply not counted in that 2011 survey or their housing condition has changed since. The Awaas Plus 2024 survey, launched on 15 January 2025 under the ministry's SOP, is specifically designed to enrol these left-out families into PMAY-G 2.0. This is the data feeder for the 2 crore additional houses approved by the Cabinet.
The survey runs through the AwaasPlus 2024 mobile app with two modes: self-survey, where any eligible household member with an Android smartphone can register directly using Aadhaar face authentication, and assisted survey, where panchayat enumerators help. Both modes have the same outcome.

Revised Exclusion Criteria Under PMAY-G 2.0
The 2024 phase relaxed some eligibility criteria. Key changes include a raised monthly household income ceiling (now Rs.15,000, up from Rs.10,000), and the removal of owning a motorised two-wheeler or a refrigerator as grounds for exclusion. Families with a Kisan Credit Card limit below Rs.50,000 remain eligible.

PMAY Gramin Eligibility 2026: Who Qualifies for a House

Eligibility for PMAYG is not self-declared. It is determined by the government using survey data. Here is how the system works.

Primary Eligibility (SECC 2011 Basis)
For families already on the SECC 2011 list, eligibility is assessed on the basis of housing deprivation parameters: the family lives in a kutcha or dilapidated house, or has no house at all. The selection is automatic from the Permanent Wait List generated from this data, and no separate application is needed.

Priority Categories Within Eligible Families

Note: Priority is applied at the state and district level. Final selection is done by the Gram Sabha in most states.

Who Is NOT Eligible for PMAY Gramin

• Families already owning a pucca house anywhere in India

• Households where any member is a government employee or income-tax payer

• Families with monthly income above Rs.15,000 (revised ceiling under PMAY-G 2.0)

• Those who own agricultural land above 2.5 acres with irrigation, or 5 acres without

• Households owning a motorised four-wheeler (cars, tractors) or mechanised fishing boats

• Those with a Kisan Credit Card limit of Rs.50,000 or more

Left Out of SECC 2011? How Awaas Plus 2024 Covers You Now
If your family was not in the SECC 2011 data, the Awaas Plus 2024 survey is your route into PMAY-G 2.0. Download the AwaasPlus 2024 app from the Play Store (Android only), verify your identity via Aadhaar face authentication, and complete the self-survey. After submission, your application enters a verification process at the block and district level before it can be added to the beneficiary waitlist.

PMAY Gramin Financial Assistance: How Much Money and How It Is Paid

The headline amount of Rs.1.20 lakh does not tell the full story. When you combine PMAY-G with the convergence schemes it is designed to stack with, the total construction support available to a single rural household is significantly higher.

Rs. 1.20 Lakh (Plain Areas) and Rs. 1.30 Lakh (Hilly Areas and IAP Districts)
The core assistance is released in installments linked directly to the physical progress of construction, verified through geo-tagged photos uploaded to the AwaasSoft portal. Typically, a first installment is released on sanction, a second after lintel level (walls up to door/window height), and the third and final installment after completion. The exact split can vary by state.

Note: IAP = Integrated Action Plan districts, which are LWE-affected areas identified by the government. Check with your BDO if unsure which category your district falls under.

Rs. 12,000 for Toilet Under Swachh Bharat Mission
Every PMAY-G beneficiary is also entitled to Rs. 12,000 for toilet construction under the Swachh Bharat Mission Gramin. This is a separate DBT transfer, not part of the Rs. 1.20 lakh. It is processed independently but linked to the PMAY-G sanction. If you have received the housing money but not the toilet assistance, follow up separately at the gram panchayat.

90-95 Days MGNREGA Wages: How to Claim It Alongside PMAY-G
This is the stacking component most beneficiaries do not know about. A PMAY-G beneficiary is entitled to 90 days of unskilled labour wages under MGNREGS for the construction of the house, or 95 days in hilly and IAP areas. The work is recorded on the Job Card and wages flow through the MGNREGA payment system separately from the PMAY-G installments. You need to specifically request this at the gram panchayat level — it does not happen automatically.

Total Construction Support Through Scheme Stacking

Note: *MGNREGA wages calculated at Rs. 196/day (national average for 2024-25; state rates vary). Actual amounts depend on state wage notification. Combined support typically covers Rs. 1.50-1.65 lakh of construction cost.
Planning to protect the home you're building or have just moved into? A home insurance policy covers your structure against fire, flood, and natural disasters, especially important when construction is underway or freshly complete. Visit SMC Insurance to compare plans and get covered.

How to Apply for PMAY Gramin 2026: The Awaas Plus Survey Process?

This is where most online guides mislead people, and it is worth being direct about it.

Can You Apply Online Directly? The Truth About PMAY-G Applications
No. Individual applicants cannot directly submit applications or register themselves on the PMAY-G portal ( pmayg.nic.in or awaassoft.nic.in). The data entry sections of the portal are restricted to designated officials: gram panchayat secretaries, block-level scheme inspectors, and district programme coordinators. This is a deliberate design choice to prevent fraudulent entries.
What you can do as an individual is complete the Awaas Plus 2024 self-survey through the mobile app, which then feeds your data into the system for official verification. That is the closest thing to a direct application available under PMAY-G 2.0.

How to Complete the Awaas Plus Self-Survey via AwaasPlus 2024 App

1. Visit pmayg.nic.in on your Android smartphone browser and go to the AwaasPlus 2024 Survey section, or search 'AwaasPlus 2024' on the Google Play Store.

2. Download both the AwaasPlus 2024 app and the Aadhaar Face RD app (required for face authentication).

3. Open the AwaasPlus 2024 app and choose the 'Self Survey' option.

4. Enter your Aadhaar number and complete the e-KYC by scanning your face. Ensure you are in good light and facing the camera directly.

5. Fill in the survey form: household composition, current housing condition (kutcha/semi-pucca), land ownership details, income, and assets.

6. Upload geo-tagged photos of your current house as prompted. The app uses your phone's GPS to tag the location automatically.

7. Submit the form. You will receive a survey reference number. Save it for tracking your Awaas Plus status later.

The app works in offline mode for data entry, syncing when connectivity is available. If you have trouble with the app, approach your gram panchayat and ask them to conduct an assisted survey using their enumerator login.

What Happens After You Submit the Survey
After submission, your survey data goes through verification at the panchayat level, then block level, and finally district level. Approved applications are added to the Panchayat-Wise Permanent Waiting List. Selection from this list for actual house sanction happens in phases based on the annual housing target allocated to each state and district. There is no fixed timeline for this, and the waiting period can be several months to over a year depending on your state's allocation.

Application Is Free — How to Identify Fraud Agents
Every step of the PMAY-G process is free. There is no registration fee, processing charge, or facilitation cost. Anyone asking for money to 'get your name on the list' or 'speed up the installment' is running a scam. Report them to your BDO. The official portals pmayg.nic.in and awaassoft.nic.in are the only legitimate platforms — any third-party website charging for applications is fraudulent.

PMAY Gramin Beneficiary List 2026: How to Check Your Name

The beneficiary list for PMAYG is hosted on the AwaasSoft portal. There are several different reports and lists available, each serving a different purpose.

How to Check PMAY Gramin Beneficiary List on pmayg.nic.in — Step by Step

• Go to pmayg.nic.in (also accessible via awaassoft.nic.in).

• In the top menu, click on 'Awaassoft' and then select 'Report'.

• On the Reports page, click on 'H Section' (Physical Progress Report) or navigate to 'Beneficiary Details'.

• Select your State, District, Block, Panchayat, and Financial Year from the dropdown menus.

• Click on the village name to see the beneficiary list for that village, which includes names, registration numbers, sanction status, and installment details.

• To search by name or registration number, use the 'IAY/PMAYG Beneficiary' option under the Stakeholders menu on the main portal.

How to Check the Panchayat-Wise Permanent Waiting List
The Permanent Waiting List is the queue of eligible families not yet sanctioned a house. It is separate from the list of current beneficiaries. To access it: go to pmayg.nic.in, click Awaassoft > Report, then select 'Panchayat Wise Permanent Wait List' from the report categories. Choose your state, district, block, and panchayat. This list shows families in priority order awaiting house sanction.

How to Check SECC Family Member Details To verify your SECC 2011 data (which determines your eligibility for the original PMAY-G list), go to awaassoft.pmayg.dord.gov.in, click on 'Stakeholders', and select 'SECC Family Member Details'. Enter your state and registration number. This will show what the SECC data records for your household, which is useful if you believe there is an error in your eligibility status.

How to Check Awaas Plus Member Details
For families who completed the Awaas Plus 2024 survey, separate status checks are available. On the main portal, under Stakeholders, choose 'AwaasPlus Beneficiary Details' or 'AwaasPlus Family Member Details'. Enter your registration or Aadhaar-linked details to see your Awaas Plus survey status and whether it has been approved.

Name Not in Beneficiary List Despite Completing Survey

Note: If your name was on the list in a previous year but is no longer showing, contact your gram panchayat first. It may have been removed due to a data reconciliation exercise or duplicate entry detection.

PMAY Gramin Awaas Plus Status Check 2026: How to Track Your Application

Awaas Plus status is a distinct check from the main PMAY-G beneficiary list. If you completed the Awaas Plus 2024 survey, here is how to find out where your application stands.

How to Check Awaas Plus Status on the Official Portal

• Go to awaassoft.pmayg.dord.gov.in.

• Under the Stakeholders menu, click 'AwaasPlus Beneficiary Details'.

• Enter your state and your Awaas Plus survey registration number or Aadhaar-linked details.

• Your current application status will be displayed.

What Each Status Label Means

Note: Status updates are not always in real time. Portal data can lag by 2-4 weeks behind actual processing.

Status Stuck on Under Verification for Months: What to Do
If your Awaas Plus status has been sitting on 'Under Verification' for more than 8-10 weeks, the most effective first step is to visit your gram panchayat in person and ask them to follow up with the block-level programme officer. If that yields no response within two weeks, file a written application to the BDO (Block Development Officer) requesting a status update. Keep a copy. If the BDO does not respond within 30 days, you have grounds to file an RTI application.

PMAY Gramin Installment Details: How Payments Are Released

Getting sanctioned is one thing. Actually receiving the money in your bank account is another process entirely, and it has its own steps that beneficiaries are almost never told about upfront.

How Installments Work — Construction Stage to Payment Link
PMAY-G payments are not released as a lump sum. Each installment is tied to a verified stage of physical construction. The panchayat or designated scheme inspector uploads geo-tagged photographs of your construction progress onto the AwaasSoft portal at each stage. Only after these photographs are uploaded and approved at the block level does the next installment get triggered.

Note: *Exact installment splits are determined by state governments within the total sanctioned amount. Check your Sanction Order for state-specific amounts.

How to Check PMAY Gramin Installment Status on AwaasSoft

• Go to awaassoft.pmayg.dord.gov.in or pmayg.nic.in

• Under Stakeholders, click 'IAY/PMAYG Beneficiary'.

• Enter your registration number (this is the number on your Sanction Order).

• Your beneficiary details page will show fund sanction details, the Order Sheet section with FTO numbers and installment dates, and the Physical Progress section with geo-tagged construction photos.

How to Track FTO (Fund Transfer Order) Status
FTO is the Fund Transfer Order: the official instruction from the government to transfer money to your bank account. It is the last step between the installment being approved and the money reaching you. Understanding FTO status tells you exactly where the payment is stuck.

• Go to awaassoft.pmayg.dord.gov.in and click 'FTO Tracking' under the Awaassoft menu.

• Enter your FTO number (visible on your Beneficiary Details page) or your PFMS ID.

• FTO status will show as Pending (approved but not yet sent), Processed (sent to bank), or Completed (credited to account).

• You can also track FTO via the UMANG portal (web.umang.gov.in) under the PMAY-G section after logging in.

Installment Released on Portal But Money Not in Bank Account
If the AwaasSoft portal shows the installment as released but your bank account shows no credit, the issue is almost always one of two things: either the Aadhaar-bank account seeding is incorrect or inactive, or there is a DBT processing delay at the bank's end. First, verify with your bank that your account is Aadhaar-seeded (NPCI-mapped). If seeding is already done, get a bank statement for the period after the FTO date and take it along with your beneficiary details printout to the gram panchayat or BDO office to initiate a payment re-credit request.

Geo-Tagging Under PMAY Gramin and Why It Matters for Your Payment

This is the one thing nobody explains to PMAY-G beneficiaries clearly, and it is the most common reason installments stall even when the construction is actually happening.

• What Is Geo-Tagging in PMAY Gramin and Why It Is Mandatory
  Geo-tagging is the process of capturing GPS-stamped photographs of construction at each stage and uploading them to the AwaasSoft portal. It is not optional. The government uses geo-tagged photos as the primary verification mechanism to confirm that actual construction is taking place before releasing the next installment. AI-assisted monitoring tools on the AwaasSoft platform also cross-check geo-tag locations against satellite data for anomaly detection.
  If geo-tagged photos are not uploaded for your construction stage, the system simply does not trigger the next installment. Your name remains on the beneficiary list, the sanction order is valid, but the money does not move until the photographs are in the system.

• Who Does the Geo-Tagging: Patwari, Gram Panchayat, or You?
  The responsibility for geo-tagging lies with the designated scheme inspector or panchayat-level official, not the beneficiary. In most states, this is the gram panchayat secretary, the local Patwari, or a block-level technical assistant. They are supposed to visit the construction site at each stage, take geo-tagged photos using the official PMAY-G mobile app, and upload them to AwaasSoft.
  The practical problem is that these visits do not always happen on time. The official may be covering multiple villages, or the visit may simply get delayed. That delay then blocks your installment.

Installment Blocked Because Geo-Tag Is Pending —

• Check your Physical Progress section on AwaasSoft. If construction stage photos are missing for a completed stage, you have a pending geo-tag issue.

• Visit your gram panchayat secretary in person and specifically ask when the geo-tag visit for your house is scheduled.

• If the secretary says the visit was done but photos were not uploaded, ask them to do the upload immediately with you present.

• If there is consistent delay, escalate in writing to the BDO, mentioning the specific construction stage and the date it was completed.

• As a last resort, filing an RTI to the BDO asking for the geo-tag status and the name of the official responsible is the most effective pressure mechanism available. See the RTI section below.

Documents Required for PMAY Gramin 2026

Note: Documents for the Awaas Plus 2024 survey include Aadhaar (mandatory for face auth), a photograph of your current house, and basic income/asset details to fill in the app form. No physical documents need to be submitted during the self-survey.

PMAY Gramin — Problem-Specific Fix Guide

Here are the most common issues PMAY-G beneficiaries face and the exact steps to resolve each one.

Name in List But No Installment Received

• Log in to AwaasSoft and check your beneficiary details. Note the sanction date and the last FTO date.

• Check the Physical Progress section. If stage photos are missing for a construction stage you have already completed, the geo-tag is pending. Follow up with gram panchayat immediately.

• If geo-tags are uploaded and FTO is showing as processed but money has not arrived, check Aadhaar-bank seeding status at your bank.

• If FTO is not generated despite stage completion and geo-tag upload, the issue is administrative at block level. File a grievance on pgportal.gov.in or approach BDO in writing.

Installment Amount Is Less Than Expected
This typically happens when the installment split used in your state does not match what you expected from the total sanctioned amount. Check your Sanction Order carefully for the stage-wise breakup. Another possibility is a deduction for an earlier advance or a correction from a previous FTO. Your BDO office should be able to provide a ledger of all transactions against your registration number.

Bank Account Not Aadhaar-Linked — How to Fix Before Next Installment

• Visit your bank branch with your Aadhaar card and bank passbook.

• Request Aadhaar seeding (NPCI mapping) for your account. This is free of cost.

• After seeding is done, ask for a printed acknowledgment with the date.

• Wait 48-72 hours, then check at the bank that the seeding is active and reflecting in NPCI mapper.

• Inform your gram panchayat so they can verify the updated bank details on AwaasSoft before the next FTO is generated.

Construction Complete But Final Installment Not Released
The final installment requires the House Completion Photograph to be uploaded by the scheme inspector on AwaasSoft. Check the Physical Progress section on your beneficiary page to see whether the roof completion photograph is uploaded. If not, get your gram panchayat secretary to schedule a completion visit and upload the photo. If the photo is uploaded but the FTO has not been generated, file a written complaint to the BDO with your registration number and the AwaasSoft screenshot showing completion.

How to File an RTI to Get Your Stalled Installment Released
RTI (Right to Information) is the single most effective tool available to a PMAY-G beneficiary whose installment is stuck without explanation. File an application to the Public Information Officer of the Block Development Office under the Right to Information Act, 2005. You can do this at your BDO office in person (Rs. 10 court fee stamp) or online via rtionline.gov.in. Your RTI should ask specifically for: the installment-wise release dates and amounts for your registration number, the geo-tag verification status for each construction stage, the name and designation of the officer responsible for the delay, and whether the FTO has been generated and its current status. A response is legally required within 30 days. In most cases, the stalled payment moves within days of the RTI being filed, before the formal reply is even due.

PMAY Gramin Grievance Redressal and Helpline

PMAY Gramin Helpline and Official Contact

Note: The toll-free helpline is available on working days. For state-specific issues, contact your District Rural Development Agency (DRDA) or Zila Parishad office.

How to File an Online Grievance on pmayg.nic.in

1. Go to pgportal.gov.in (the Central Government Public Grievance portal).

2. Register or log in with your mobile number.

3. Select the Ministry of Rural Development and the PMAY-G scheme as the subject of grievance.

4. Describe your issue clearly, mentioning your registration number, state, district, and the specific problem.

5. Attach any supporting documents or screenshots from AwaasSoft.

6. Submit. You will get an acknowledgment number to track the grievance status.

Block Development Officer (BDO) — When and How to Approach
For on-the-ground issues such as geo-tagging delays, grievances about gram panchayat officials not performing their duties, or payment discrepancies, the BDO is the most effective authority to approach in person. Bring printed copies of your AwaasSoft beneficiary page, any correspondence you have had, and your Aadhaar and Sanction Order. A written application addressed to the BDO with a specific complaint carries more weight than a verbal visit. Keep a copy of everything you submit.
If you are building or have just completed your PMAY-G home, this is also a good time to look into insuring it. A home insurance policy through www.smcinsurance.com can cover the structure against fire, floods, earthquakes, and other risks that can undo years of construction work in hours.

Wrapping Up

PMAY-G is one of the most substantial direct benefit schemes running in rural India right now, and for families eligible for it, the financial support is real and significant. Between the core Rs.1.20–1.30 lakh, the toilet assistance from SBM-G, and MGNREGA labour wages, a beneficiary household can access Rs.1.50–1.65 lakh in total construction support — but only if they know how to navigate the system.

The single biggest takeaway: you cannot apply directly online, but you can get yourself into the system through the Awaas Plus 2024 self-survey if you are not already in the SECC 2011 list. If you are already a beneficiary and money is not coming, the fix is almost always in the geo-tag photographs, your Aadhaar-bank seeding, or an FTO that needs a nudge at the block level. And if none of that works, an RTI to the BDO is the fastest and most effective tool you have.

FAQs