Pradhan Mantri Awas Yojana (PMAY): Urban 2.0 and Gramin

Last reviewed: 11 November 2026.

Pradhan Mantri Awas Yojana is the Government of India’s housing mission for eligible families who do not already have a pucca house. It has two parts, and they are not interchangeable. PMAY Urban 2.0 is for families living in notified urban areas and is run by the Ministry of Housing and Urban Affairs. PMAY Gramin is for eligible rural households and is run by the Ministry of Rural Development. You use the scheme that matches where you live. You cannot take a benefit under both for the same family.

This page is a plain-language overview. It tells you how the two schemes differ, what official assistance looks like, and where to apply or check a name. Applications, lists and status are handled only on the official portals. This website does not take applications, does not collect Aadhaar or bank details, and does not run a status checker.

What Pradhan Mantri Awas Yojana is

The mission’s stated aim is to help eligible families live in an all-weather pucca house with basic amenities. A pucca house, in the urban guidelines, is an all-weather dwelling whose roof and walls are built of durable materials such as burnt bricks, stones packed with cement or lime, cement concrete, timber, galvanised iron sheets or machine-made tiles.

The first urban mission, PMAY-Urban, was launched on 25 June 2015. To finish houses already sanctioned under that mission, its period has been extended until 30 September 2026. The next urban phase, PMAY Urban 2.0, was approved by the Union Cabinet on 9 August 2024 and is being implemented for five years from 1 September 2024 to 2029. It is intended to support one crore additional urban poor and middle-class families to construct, purchase or rent an affordable house.

PMAY Gramin has been implemented from 1 April 2016, as a restructuring of Indira Awaas Yojana. The Government has approved a further phase from 2024–25 to 2028–29 (until March 2029) to support two crore additional rural houses, at the existing unit assistance rates.

Progress figures change. As a dated official snapshot, a Rajya Sabha reply published by the Press Information Bureau on 31 July 2026 reported that under PMAY Gramin a cumulative 3.92 crore houses had been sanctioned and 3.11 crore completed against allocated targets. For the earlier urban mission, the Cabinet note of 9 August 2024 reported 1.18 crore houses sanctioned and more than 85.5 lakh constructed and delivered. For the latest numbers, use the official dashboards rather than a figure copied from any unofficial page.

Urban or rural: which scheme applies

If your house site sits on the edge of a town, the official rule is that you use the scheme that matches your jurisdiction. The two ministries intend to link their systems so that the same family is not sanctioned twice. Start with the page on PMAY Urban 2.0 or PMAY Gramin that matches where you live, then read eligibility before you go to an official portal.

PMAY Urban 2.0 at a glance

Urban 2.0 has four verticals. A family may receive a benefit under only one of them.

National income ceilings are: EWS up to ₹3 lakh a year; LIG from ₹3 lakh up to ₹6 lakh; MIG from ₹6 lakh up to ₹9 lakh. States may redefine the EWS ceiling with the Ministry’s concurrence. A family that already owns a pucca house anywhere in India, or that has been allotted a house under a government housing scheme in the last 20 years, is not eligible. Read the full rules on the eligibility and interest subsidy pages.

PMAY Gramin at a glance

PMAY Gramin is not an urban-style income-slab scheme. Eligible households are those who are houseless, or who live in a zero-, one- or two-room house with kutcha walls and a kutcha roof, identified from SECC 2011 and the Awaas+ surveys and then verified by the Gram Sabha.

A further ₹12,000 is provided for a toilet through Swachh Bharat Mission–Gramin. The house should be at least 25 square metres, including a hygienic cooking space. The Centre and the State share the unit assistance in the official pattern: 60:40 in plain areas for most States, 90:10 for North-Eastern and Himalayan States (including Jammu and Kashmir), and 100% Central funding for Union Territories without a legislature.

The full State-wise table is on the PMAY Gramin page. To see whether your name is on the official list, use the official portal — the steps are on how to check the PMAY Gramin list.

Check your Urban 2.0 income category

The helper on this site uses the official national income ceilings and the published vertical rules. Enter your annual household income and answer two yes-or-no questions: whether anyone in the family already owns a pucca house anywhere in India, and whether the family has been allotted a house under a government housing scheme in the last 20 years. If you also choose your State or Union Territory, the helper shows how the ₹2.50 lakh BLC/AHP assistance is shared.

You will get a definite category — EWS, LIG, MIG, above the notified MIG ceiling, or not eligible — and a list of the verticals that official rules open to that category, with the official amounts. The helper cannot tell you whether a city is participating, whether a State has redefined EWS, or whether your application will be approved. Those decisions stay with the official portal and the urban local body. It will never ask for an Aadhaar number, a phone number or a bank account.

A worked example: a family with an annual income of ₹2.80 lakh, no pucca house and no housing-scheme benefit in the last 20 years, is in the EWS band. Officially, that family can look at Beneficiary Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and the Interest Subsidy Scheme, subject to the other rules (including land for BLC, and loan limits for ISS). A family with an annual income of ₹7 lakh is in the MIG band and, under the national rules, is eligible only for the Interest Subsidy Scheme among the four verticals, again subject to the pucca-house and 20-year tests.

Use the full helper on the eligibility page.

How to apply or check a list on the official portals

1. Confirm whether you are seeking urban or rural support. If you are unsure, ask your urban local body or your Gram Panchayat which jurisdiction your house site falls in.
2. Read the eligibility rules and keep the usual documents ready — but do not upload them on this website.
3. For Urban 2.0, open the official portal at pmaymis.gov.in and use “Apply for PMAY-U 2.0”. The official user manual describes registration, eligibility checks and submission on that portal. A short walkthrough is on how to apply.
4. To see an Urban 2.0 application after you have submitted it, use the official applicant login on the same portal. Steps are on how to check status.
5. For PMAY Gramin, open pmayg.dord.gov.in and use the official “Panchayat Wise permanent wait List” or “Search IAY/PMAY-G Beneficiary Details” services. Steps are on how to check the Gramin list.
6. If a page that is not a government website asks for a fee or an OTP to “download the 2026 list”, leave it and go back to the official hostname.

Documents you should keep ready

Exact papers depend on the vertical and on what the urban local body or the lending institution asks for. Families commonly need proof of identity and residence, an income certificate or, for the Interest Subsidy Scheme, the prescribed self-certificate or affidavit, a declaration that no family member owns a pucca house, and, for Beneficiary Led Construction, proof of land ownership. Keep names consistent across papers. A longer checklist is on the documents page. Never type Aadhaar, bank or OTP details into an unofficial form.

Safety: unofficial forms, OTPs and lookalike sites

Official Urban and Gramin hostnames end in .gov.in or .nic.in — for example pmaymis.gov.in, pmay-urban.gov.in and pmayg.dord.gov.in. Many unofficial pages advertise a “PMAY list 2026 PDF” or a “status check” and then ask for an Aadhaar number, an OTP or a fee. This guide will not name a particular unofficial site as fake unless it has been opened and checked, but the safe rule is simple: if you are applying, checking a list, logging in or downloading an official document, type the official address yourself or use the links on this site that point to those official addresses.

This site will never ask for an OTP.