Pradhan Mantri Awas Yojana (PMAY): A Comprehensive Guide
The Pradhan Mantri Awas Yojana (PMAY) is a flagship government scheme launched by the central government in 2015 with the ambitious goal of providing “Housing for All” by 2022. The scheme is divided into two main parts:
- Pradhan Mantri Awas Yojana Urban (PMAYU)
- Pradhan Mantri Awas Yojana Rural or Gramin (PMAYG)
What is the PMAY List?
The PMAY list contains the names of beneficiaries eligible for availing the benefits of the PMAY scheme. You can check the PMAY list on the rhreporting.nic site to know beneficiary details.
PMAYG to Construct 2 Crore Houses in 5 Years
After achieving its target of constructing around 3 crore houses, Union Finance Minister Nirmala Sitharaman announced in the interim Budget 2024 that the government will construct around 2 crore houses under PMAYG in the next five years. With Nari Shakti as one of the pillars of the interim Budget, the finance minister mentioned that around 70% of houses under the PM Awas Yojana in rural areas are given to women as sole or joint owners.
People under the PMAYG beneficiary list will be supplied with a 25 sq meter pucca house including basic facilities. These houses will feature unique attributes such as being catastrophe-resistant and low-cost.
RhReporting: Different Categories Under PMAY List
The PMAY list on rhreporting.nic is a comprehensive list specifying the categories of individuals, based on their income, eligible for the PMAY program in 2023-24. The different categories under the Pradhan Mantri Awas Yojana 2023 beneficiary list/PMAY Gramin beneficiary list are:
- Families of Economically Weaker Section (EWS) with income up to Rs 3 lakh.
- Scheduled caste and scheduled tribes.
- Families of low-income group (LIG) with income between Rs 3 lakh to Rs 6 lakh.
- Families of middle-income group – 1 (MIG – 1) with income between Rs 6 lakh and Rs 12 lakh.
- Families of middle-income group – 2 (MIG – 2) with income between Rs 12 lakh and Rs 18 lakh.
The Pradhan Mantri Awas Yojana 2023-24 new list, accessible via rhreporting.nic.in, is carefully curated by the government using the Socio-Economic Caste Census 2011. Using the SECC list 2023, a list of PMAY beneficiaries is made and segregated on a priority basis. Once done, the PM Awas beneficiary list is sent for verification to the Gram Sabhas. A final PMAY beneficiary list is then published, which can be accessed using the rhreporting gramin or rhreporting.nic.in.
Rhreporting Portal: How to Use?
Through the online rhreporting.nic.in portal, applicants can now track their application. With Rhreporting, they can check their IAY beneficiary status or the PM Awas Yojana status. They can also check the PMAY list 2023-24 for urban and rural areas.
How to Download the Awas Par Samvaad Certificate?
To download the Awas Par Samvaad certificate, log on to https://pmay-urban.gov.in/awas-par-samvaad/certificates.
Enter your registered mobile number, click on submit, and proceed to download the Awas Par Samvaad certificate.
How to Download PMAY Gramin Beneficiary List?
PMAY Gramin is a center-backed scheme that provides pucca houses with basic amenities to people who do not own a house, whose houses got damaged, or who live in a kutcha house. The PMAY gramin beneficiary list is the list of beneficiaries of this scheme. For instance, the Pradhan Mantri Awas Yojana list 2023 or pmayg.nic.in 2023-24 list shows the list of beneficiaries in that year frame.
To check and download the pmayg.nic.in 2023-24 gramin list, follow these steps:
- Go to the home page of the PMAYG website for using the rhreporting tool. Click on ‘Reports’ under Awaassoft to check the PMAYG beneficiary list or the PM Awas Yojana 2023-24 list.
- Go to Social Audit Reports. Click on Beneficiary details for verification to know more about the IAY beneficiary status.
- On the subsequent page of rhreporting (rhreporting.nic.in 2023-24 new list), choose the required fields under the Selection Filters. Select the year (2023-24), scheme (Pradhan Mantri Awaas Yojana Gramin), State, District, Block, and Panchayat. Enter the captcha. Click on ‘Submit’ to access the list determining PMAY beneficiary.
The Pradhan Mantri Awas Yojana Gramin beneficiaries list will be displayed. In the PM awas yojana beneficiary list on pmay.nic.in 2023-24, you can check the personal details, beneficiary name, name of father/mother, village name, registration number, house allotted to, sanction number, sanctioned amount, installment paid, amount released under PMAYG, and house status in the PMAYG list of beneficiaries. Users can download the PMAY beneficiary details in Excel and PDF format.
Pradhan Mantri Awas Yojana (Urban)
Launched in 2015, PMAY (Urban) ensures housing for all in urban areas by providing pucca houses to all eligible beneficiaries.
To check if your name is in the Pradhan Mantri Awas Yojana online applied pmayg.nic.in 2023-24 gramin list, follow these steps:
- Visit pmaymis.gov.in list at https://pmaymis.gov.in/open/find_beneficiary_details.aspx to search the beneficiary. On the pmaymis.gov.in list for PMAY beneficiary search, click on ‘Search Beneficiary’ option and select ‘Search By Name’.
- On the pmaymis.gov.in list, enter your Aadhaar number and click on ‘Show’ to search for your name in the pmayg.nic.in 2023-24 gramin list.
Find your name in the result PMAY list page. You can match the details on the PMAY list page to ensure your application is shortlisted.
Rhreporting 2024: How to Check PMAY Gramin Beneficiary List with Registered Number?
Applicants of PMAYG can check their PMAY beneficiary details on the rhreporting website by using their registered mobile number. On https://rhreporting.nic.in/netiay/newreport.aspx, enter the registered mobile number in the box and click on submit. With this, you will get all information including if your name is on the PMAYG beneficiary status list.
To check, enter the registration number for PMAY beneficiary search in rhreporting gramin.
If your registration number is present in that year’s PMAYG list, for example, PM awas yojana 2021 list or the pmayg.nic.in 2020-21 gramin list, your details will appear on rhreporting gramin.
Rhreporting 2024: How to Check PMAY Gramin Beneficiary List Without Registration Number/Phone Number
On the rhreporting website, one can click on ‘Advanced Search’ to do a PMAY beneficiary search without the registration number on https://rhreporting.nic.in/netiay/benificiary.aspx. It will redirect the user to a page on the rhreporting.nic.in portal where one has to enter details including the state, district, block, and panchayat, scheme name, and financial year from the drop-down box.
Also, the following details must be entered on the rhreporting gramin portal to check the PMAYG list:
- Name
- BPL number
- Account number
- Sanction order
- Father or husband’s name
Rhreporting 2024: PMAY Beneficiary Subsidy Details
| Category | Subsidy |
|---|---|
| Economically Weaker Section (EWS) | Applicants with income of up to Rs 3 lakh come under this category, as defined by the PMAY beneficiary subsidy. They are eligible to get a PMAY beneficiary interest subsidy of 6.5% on a loan amount of up to Rs 6 lakh. |
| Low-Income Group (LIG) | Applicants with income between Rs 3 lakh and Rs 6 lakh come under the LIG category of buyers and are eligible to get a PMAY beneficiary interest subsidy of 6.5% on a loan amount of up to Rs 6 lakh. |
| Middle-Income Group – 1 (MIG – 1) | Applicants having income between Rs 6 lakh and Rs 12 lakh fall under this category of buyers and are eligible to get a PMAY beneficiary interest subsidy of 4% on a loan amount of up to Rs 9 lakh. |
| Middle-Income Group – 2 (MIG – 2) | Those earning an annual income between Rs 12 lakh and Rs 18 lakh come under this category and get a PMAY beneficiary interest subsidy of 3% on a loan amount of up to Rs 12 lakh. |
The PMAYG scheme is a credit-linked subsidy scheme that aims to offer affordable housing to the urban and rural poor in India by 2024. Note that PMAYG is not available on existing home loans and one can take advantage of it only in the absence of a pucca house anywhere in the country. Applicants in the PMAY gramin beneficiary list eligible for the scheme will be given a subsidy of 3% and 5% (for specially-abled PMAY beneficiaries) on home loan interest rates for building, buying, or renovating the home or making any kind of extension. If part of the PMAY gramin beneficiary list, applicants can avail of a home loan option of up to Rs 70,000 for the construction of houses for some selected beneficiaries or people with specific PMAY beneficiary details. Under the PMAY housing scheme, up to Rs 2 lakh will be provided for maintenance or loan enhancement. The applicants’ category and their annual income will determine the amount of subsidy given under the PMAYG scheme.
Residential unit costs under the PMAYG will be shared between the center and the state. The financial help ratio depends on the geographical location of the unit.
- It is 60:40 between the center and the state in the plain areas.
- Areas of North East India and also the hilly areas will have a ratio of 90:10.
- As part of monetary assistance, Rs 1.2 lakh is being provided for the construction of houses in plain regions and Rs 1.3 lakh will be provided for the construction of houses in hilly areas.
PMAY Gramin Advantages
- A PMAYG beneficiary will be given preference to choose the unit on the ground or lower floors if he is a senior citizen or differently-abled citizen.
- Applicants who own a plot of land without any construction are eligible to feature in the PMAY beneficiary list. They can choose individual house construction PMAYG scheme subsidies.
- Under PMAY Gramin, the subsidies the government gives beneficiaries are directly credited to their bank account through the state or union territories. However, if for some reason the construction of the project is halted even after the disbursal of the subsidy, then the PMAYG beneficiary has to return the same to the government.
Rhreporting: PMAYG Status as of January 10, 2024
| #SNo | State Name | MoRD Target | Completed | Percentage of Completion against MoRD Target |
|---|---|---|---|---|
| Total | 29500000 | 25357468 | 85.96 | |
| 1 | ARUNACHAL PRADESH | 36221 | 27288 | 75.34 |
| 2 | ASSAM | 2015471 | 1740041 | 83.37 |
| 3 | BIHAR | 3701677 | 3643804 | 98.05 |
| 4 | CHHATTISGARH | 1176142 | 948378 | 80.57 |
| 5 | GOA | 257 | 225 | 87.55 |
| 6 | GUJARAT | 604174 | 501653 | 79.53 |
| 7 | HARYANA | 29404 | 28209 | 87.35 |
| 8 | HIMACHAL PRADESH | 29252 | 14991 | 51.12 |
| 9 | JAMMU AND KASHMIR | 340042 | 199807 | 52.5 |
| 10 | JHARKHAND | 1592183 | 1557680 | 97.5 |
| 11 | KERALA | 35169 | 32693 | 92.94 |
| 12 | MADHYA PRADESH | 3800458 | 3635678 | 93.94 |
| 13 | MAHARASHTRA | 1379816 | 1207508 | 84.74 |
| 14 | MANIPUR | 104896 | 30486 | 22.06 |
| 15 | MEGHALAYA | 188338 | 44365 | 22.52 |
| 16 | MIZORAM | 29967 | 9081 | 27.94 |
| 17 | NAGALAND | 48830 | 9491 | 18.64 |
| 18 | ODISHA | 2726778 | 2002393 | 73.26 |
| 19 | PUNJAB | 39762 | 35850 | 85.19 |
| 20 | RAJASTHAN | 1718312 | 1679771 | 96.07 |
| 21 | SIKKIM | 1400 | 1269 | 90.64 |
| 22 | TAMIL NADU | 762429 | 591080 | 76.08 |
| 23 | TRIPURA | 377064 | 317892 | 79.82 |
| 24 | UTTAR PRADESH | 3615056 | 3446130 | 94.38 |
| 25 | UTTARAKHAND | 71022 | 46132 | 64.93 |
| 26 | WEST BENGAL | 4569585 | 3410612 | 74.63 |
| 27 | ANDAMAN AND NICOBAR | 3424 | 1224 | 35.75 |
| 28 | DADRA AND NAGAR HAVELI | 11278 | 3793 | 33.63 |
| 29 | DAMAN AND DIU | 158 | 16 | 10.13 |
| 30 | LAKSHADWEEP | 45 | 45 | 100 |
| 31 | PUDUCHERRY | 0 | 0 | 0 |
| 32 | ANDHRA PRADESH | 246430 | 66236 | 26.88 |
| 33 | KARNATAKA | 241954 | 121224 | 50.1 |
| 34 | TELANGANA | 0 | 0 | 0 |
| 35 | LADAKH | 3006 | 2423 | 80.61 |
| Total | 29500000 | 25357468 | 85.96 |
The PMAYG status report can be accessed at: rhreporting.nic.in
Rhreporting: PMAY Urban Status as of January 8, 2024
Anuradha Ramamirtham | Housing News
Source: PMAY official website
RhReporting PMAYG: Latest News
PM Modi to Inaugurate Light House Project in Indore
October 5, 2023: As part of the Pradhan Mantri Awas Yojana-Urban, the Light House Project, Indore will be inaugurated by PM Modi on October 5, 2023, during his visit to Indore, Madhya Pradesh. This project will benefit more than 1,000 beneficiaries.
Women Owners Under PMAY-G
August 3, 2023: Of the overall completed 2.41 crore houses under PMAY-G as of July 28, 2023, around 64,31,304 completed houses are solely registered in the name of women, mentioned Union Minister of State for Rural Development, Sadhvi Niranjan Jyoti in a written reply in Lok Sabha. Around 1,02,52,451 houses are jointly registered in the name of wife and husband. This totals to 1,66,83,755 or 69.08% ownership of women of the total completed houses under PMAY-G, added Sadhvi Niranjan Jyoti.
PMAY-Urban: EWS Income Criteria for MMR Increased to Rs 6 Lakh
The annual income criteria for the Economic Weaker Section (EWS) to avail the Pradhan Mantri Awas Yojna-Urban (PMAY-Urban) benefits has been increased from Rs 3 lakh to Rs 6 lakh per annum for the Mumbai Metropolitan Region (MMR). This criteria