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Government Yojana 2026
Search Central and State Government schemes for farmers, women, students and common citizens. Check eligibility and apply online for free. Over 10 government yojana listed at one place.
PMAY Gramin vs PMAY Urban — Kya Antar Hai?
Dono schemes ka naam similar lagta hai lekin ministry, selection method, benefits aur apply process — sab kuch alag hai. Yeh table ek baar mein sab clear kar dega.
| Category | 🌾 PMAY Gramin | 🏙️ PMAY Urban (U 2.0) |
|---|---|---|
| Ministry | Ministry of Rural Development (MoRD) | Ministry of Housing & Urban Affairs (MoHUA) |
| Target Area | Rural areas — villages & gram panchayats | Urban areas — cities, towns & ULBs |
| Eligibility | Houseless ya 1–2 room kutcha ghar wali families | EWS, LIG, MIG categories — income ke hisaab se |
| Selection | SECC 2011 database se automatic selection | Self-assessment — online ya CSC se apply |
| Financial Help | ₹1,20,000–₹1,30,000 — seedha bank account mein | 4% interest subsidy — max benefit ₹1,80,000 |
| Income Limit | Income-based nahi — SECC score se decide hota hai | EWS ≤₹3L · LIG ₹3–6L · MIG ₹6–9L (annual) |
| House Size | Minimum 25 square meters | Category aur component type ke hisaab se alag |
| Extra Benefits | Toilet ₹12K · MGNREGA 95 days · Free LPG (Ujjwala) | ARH rental housing · AHP · ISS slum redevelopment · TIG |
| Special Priority | SC/ST (60% target) · bonded laborers · tribal groups | Slum dwellers · widows · disabled · street vendors · minorities |
| Apply Portal | pmayg.nic.in & Awaassoft | pmay-urban.gov.in — Citizen Assessment |
PMAY Gramin 2026 — Complete Guide
PMAY Gramin sirf rural India ke liye bani hai. Jo families gaon mein rehti hain aur jinke paas pucca ghar nahi — unhe government seedha bank mein paisa deti hai. Selection SECC list se hota hai, toh manual application nahi — bas naam list mein hona chahiye aur process complete karna hai.
- Rural area — village ya gram panchayat mein permanent residence hona zaroori
- Houseless hona ya 1–2 room kutcha ghar — dono walls + roof kutcha material ke
- SECC 2011 database mein naam hona chahiye — selection isi se hota hai
- SC/ST families ko 60% seats reserved — priority list mein sabse pehle
- Bonded laborers, primitive tribal groups aur single women-headed households ko special preference
- Agar parivaar mein koi able-bodied male adult nahi — extra priority milti hai
- India mein kaheen bhi pehle se pucca ghar hona nahi chahiye
- ₹1,20,000 plain aur mainstream areas ke liye — seedha Aadhaar-linked bank mein
- ₹1,30,000 hilly areas, NE states, IAP districts aur Union Territories ke liye
- Payment 3 installments mein milti hai — construction progress dekh ke
- Toilet ke liye alag se ₹12,000 — Swachh Bharat Mission ke through
- MGNREGA ke through 90–95 days ka paid labor ghar banate waqt
- Pradhan Mantri Ujjwala Yojana se free LPG connection
- Minimum house size 25 square meters — kitchen aur sanitation space ke saath
- Aadhaar Card — sabse zaroori document, bina iske kuch nahi hoga
- Aadhaar-linked bank account — jisme saari payment aayegi
- MGNREGA Job Card — agar available hai, construction payment ke liye
- Affidavit — kutcha/no pucca ghar ki confirmation sworn statement
- Gram Sabha confirmation ya local authority ka letter
- Caste certificate — SC/ST priority ke liye zaroori
- Aadhaar data consent form
- Official site pmayg.nic.in ya Awaassoft portal pe jao
- “Stakeholders” menu → “IAY/PMAYG Beneficiary” select karo
- Registration number ho toh seedha check karo — jaldi hoga
- Nahi toh Advanced Search: State → District → Block → Village
- Poori village ki list PDF mein download bhi kar sakte ho
- Naam nahi mila toh Gram Panchayat secretary ya BDO office se milna
PMAY Urban 2026 (PMAY-U 2.0) — Complete Guide
PMAY Urban 2.0 ko PM Modi ki cabinet ne 2024 mein approve kiya — 5 saalon mein 1 crore urban houses ka bada target hai. Yeh scheme cities aur towns ke liye hai. Gramin se kaafi alag — yahan income category ke basis pe eligibility decide hoti hai aur apply bhi khud karna hota hai.
📊 Income Categories — EWS, LIG, MIG
PMAY Urban mein eligibility sirf income ke hisaab se decide hoti hai. Annual household income ke hisaab se category pata karo.
₹3 lakh tak
Highest Priority
₹3L se ₹6L
Subsidy Eligible
₹6L se ₹9L
Interest Subsidy
🏗️ PMAY Urban 2.0 — 4 Main Components
Ek scheme nahi — 4 alag verticals hain. Har ek alag type ke beneficiary ke liye bana hai. Apni situation ke hisaab se sahi component choose karo.
In-Situ Slum Redevelopment
Slum dwellers ke liye — existing slum ki jagah pucca houses bante hain. Relocate nahi karna padta. 4% interest subsidy ₹25 lakh loan pe.
Affordable Housing in Partnership
Government aur private builders mil ke EWS families ke liye affordable housing banate hain. ₹1.5 lakh per unit govt contribution hota hai.
Affordable Rental Housing
Working women, migrants, students, industrial workers ke liye. Ghar khareedna zaroori nahi — affordable rent pe safe accommodation milti hai.
Technology Innovation Grant
Modern construction technology se faster, stronger aur eco-friendly houses ke liye grant. Naya addition PMAY-U 2.0 mein hai.
- PMAY-U covered city ya town mein rehna zaroori hai
- EWS, LIG ya MIG income category mein aana chahiye
- Applicant aur family — kisi ke paas bhi koi pucca ghar nahi — India mein kaheen bhi
- Pehle kisi government housing scheme ka benefit nahi liya hona chahiye
- EWS aur LIG mein property mein aurat ka naam mandatory — ya joint ownership
- Slum dwellers directly ISS component se apply kar sakte hain
- SC/ST, minorities, widows, disabled, Safai Karamchari, street vendors ko special focus
- 4% interest subsidy ₹25 lakh tak ke home loan pe — max benefit ₹1,80,000
- Subsidy upfront loan account mein credit — monthly EMI chhoti ho jaati hai
- ISS mein slum ki jagah pucca ghar milta hai — koi shift nahi karna
- AHP mein ₹1.5 lakh per unit government contribution — private builder ke saath
- ARH mein affordable kiraye pe safe accommodation — women aur migrants ke liye
- Widows, disabled, street vendors, minorities ko extra priority aur benefit
- Aadhaar Card / Virtual ID — absolutely mandatory, bina iske apply nahi hoga
- Income proof — salary slip, ITR ya self-declared affidavit
- PAN Card, Voter ID ya Driving Licence — identity proof
- EWS / LIG / MIG income category certificate — tehsil ya SDM se
- Bank account details — passbook copy, account number, IFSC
- Affidavit — India mein kaheen bhi pucca ghar nahi ki sworn statement
- Caste / disability / minority certificate — agar applicable ho
- Official portal pmay-urban.gov.in pe jao
- Citizen Assessment → “Track Your Assessment Status” pe click karo
- Aadhaar number ya Assessment ID — dono se status check hota hai
- Application submit hone ke baad acknowledgment ID milti hai — save karo
- Subsidy credit hone pe bank se bhi confirmation message aata hai
- ULB (Urban Local Body) office mein bhi in-person status pata kar sakte ho
PMAY Gramin & Urban — Sabhi Common Questions
Eligibility se lekar apply karne tak — jo log sabse zyada poochte hain woh sab yahan.
PMAY Gramin rural villages ke liye hai — kutcha ghar waalon ko ₹1.2–1.3 lakh seedha bank mein milte hain. PMAY Urban cities ke liye hai — yahan income-based eligibility (EWS/LIG/MIG) hai aur 4% interest subsidy milti hai home loan pe, saath mein rental housing aur multiple components bhi hain. Dono ka benefit ek saath nahi le sakte — ek hi scheme ka faida hoga.
Bilkul sahi. Yeh dono PMAY schemes ka sabse strict rule hai — agar applicant ya uske parivaar mein se kisi ke paas bhi India mein kaheen bhi pucca ghar hai, toh eligibility zero hogi. Yeh PMAY Gramin aur PMAY Urban dono pe equally apply hota hai. Kutcha ghar ya 1–2 kamre hain toh consider kiya jaata hai.
- ₹1,20,000 — plain aur mainstream areas ke liye
- ₹1,30,000 — hilly areas, NE states, IAP districts aur UTs ke liye
- Aadhaar-linked bank account mein 3 installments mein — construction progress ke saath
- Alag se toilet ₹12,000 + MGNREGA labor payment + free LPG connection
- EWS (Economically Weaker Section): Annual income ₹3 lakh tak — sabse zyada priority
- LIG (Low Income Group): ₹3 lakh se ₹6 lakh ke beech
- MIG (Middle Income Group): ₹6 lakh se ₹9 lakh ke beech
- ₹9 lakh se zyada annual income hone pe current PMAY Urban mein eligibility nahi hoti
PMAY Gramin mein SC/ST families ke liye 60% houses ka target reserved hai — matlab majority allocation inhi ke liye hai. Yeh priority isliye di gayi hai kyunki yeh communities sabse zyada kutcha/houseless situation mein hain. Bonded laborers, primitive tribal groups aur single women-headed households ko bhi priority list mein rakha jaata hai. Caste certificate submit karna is priority ka fayda uthane ke liye zaroori hai.
PMAY Urban ki Interest Subsidy Scheme mein ₹25 lakh tak ke home loan pe 4% interest subsidy milti hai. Yeh subsidy NPV (Net Present Value) calculate karke upfront seedha loan account mein credit hoti hai — jisse outstanding principal kam ho jaata hai. Maximum benefit amount ₹1,80,000 tak hoti hai. Matlab monthly EMI considerably chhoti ho jaati hai loan ki poori tenure mein.
- MGNREGA: Ghar banate waqt 90–95 days ka skilled/unskilled labor payment seedha bank mein
- Swachh Bharat Mission: Toilet construction ke liye ₹12,000 alag se milte hain
- Ujjwala Yojana: BPL families ke liye free LPG connection
- Yeh sab converging schemes hain — PMAY Gramin beneficiary ko multiple schemes ka benefit ek saath milta hai
PMAY-U 2.0 ko 2024 mein PM Modi cabinet ne approve kiya — 5 saalon mein 1 crore urban houses ka bada target hai aur total investment ₹10 lakh crore ki hai. Sabse bada new addition hai Affordable Rental Housing (ARH) — specifically working women aur migrant workers ke liye. Technology Innovation Grant bhi naya feature hai jo modern, fast aur eco-friendly construction encourage karta hai.
Kutcha house matlab jisme walls aur roof dono kutcha material se bane hain — mud/clay walls, thatched/grass roof, bamboo structure. Agar sirf 1–2 kamre hain kutcha material ke, toh bhi eligible maana jaata hai. Pucca ghar matlab concrete/brick walls + pucca roof (RCC slab/tiles) — yeh hone pe eligibility nahi milti.
- pmayg.nic.in pe jao → Stakeholders menu → IAY/PMAYG Beneficiary
- Registration number ho toh seedha search karo
- Advanced Search: State → District → Block → Village select karo
- Poori village ki list PDF mein download bhi kar sakte ho
- Naam nahi mila toh Gram Panchayat secretary ya BDO office se contact karo
Agar SECC 2011 database mein naam nahi hai toh seedha online apply mushkil hai. Is case mein Gram Sabha mein petition daro ya BDO (Block Development Officer) office mein written complaint/appeal karo. Kai state governments ne Awaas Plus survey bhi kiya hai jisme fresh inclusion possible hai — BDO se is baare mein specifically poochho.
PMAY Gramin mein total amount 3 installments mein milti hai — construction progress ke hisaab se. Pehli installment foundation ke baad, doosri lintel level par, teesri roofing complete hone pe. Saari payment Aadhaar-linked bank account mein directly aati hai — koi beechwaala nahi hota. Toilet ka ₹12,000 alag Swachh Bharat account se aata hai.
Haan, PMAY Gramin beneficiary government assistance ke upar bank loan bhi le sakta hai agar ghar ka kharcha zyada hai. Apply karte waqt portal pe loan preference select karne ka option hota hai. Loan approval bank ke process pe depend karta hai. Kuch states mein PMAY Gramin ke saath interest subsidy ka bhi option hota hai — local bank ya BDO se confirm karo.
Slum dwellers ke liye PMAY Urban mein ISS (In-Situ Slum Redevelopment) component hai. Ismein slum ki existing jagah pe hi pucca houses banaye jaate hain — kisi ko doosri jagah shift nahi karna padta. 4% interest subsidy ₹25 lakh loan pe milti hai. Apply karte waqt pmay-urban.gov.in pe “For Slum Dwellers” option select karna hota hai — yeh process baaki categories se alag hai.
PMAY Urban 2.0 ka ARH (Affordable Rental Housing) component specifically unke liye hai jo ghar khareedna nahi chahte ya nahi kar sakte. Mainly target: working women, migrant workers, students, daily wage earners jo doosre cities mein kaam ya padhte hain. Government-funded safe rental units sustainable prices pe milti hain — makeshift ya unsafe accommodation se kaafi behtar option hai.
Nearest CSC (Common Service Centre) pe jao — sirf ₹25 + GST fee lagti hai. Yeh documents le jaao: Aadhaar card, income proof, bank details, affidavit aur relevant certificates. CSC operator form fill karke submit karega. Tumhe Acknowledgment ID milegi — wohi save karo status check ke liye. CSC location dhundhne ke liye locator.csccloud.in use karo.
PMAY Urban mein EWS aur LIG category ke liye property mein adult woman ka naam mandatory hai — ya toh sole owner ya joint owner hona chahiye. Yeh rule women empowerment ke liye daala gaya hai. Sole male ownership pe EWS/LIG ke liye application eligible nahi hogi. MIG mein yeh strict rule thoda alag ho sakta hai — local ULB se confirm karo.
- pmay-urban.gov.in pe jao → Citizen Assessment → Track Your Assessment Status
- Aadhaar number ya Assessment ID — dono se check hota hai
- Submit karte waqt mili Acknowledgment ID — yahi save karo
- Subsidy credit hone pe bank se SMS/message aata hai automatically
- City ke ULB (Urban Local Body) office se bhi in-person status pata kar sakte ho
PMAY ke liye Abhi Apply Karein
Pehle official portal pe apni eligibility confirm karo — dono bilkul free hain. PMAY Gramin ke liye pmayg.nic.in ya Awaassoft check karo, PMAY Urban ke liye pmay-urban.gov.in pe Citizen Assessment complete karo.