Pradhan Mantri Awas Yojana (PMAY) is India’s flagship housing scheme launched in June 2015 to achieve “Housing for All”. It has two major components:

PMAY‑Urban (PMAY‑U) — Affordable housing for urban poor & middle income.
PMAY‑Gramin (PMAY‑G) — Rural housing for eligible rural households.

In 2024 the Government introduced PMAY‑U 2.0 — a revamped urban housing mission running till 2029, with a sharper focus on middle‑class and economically weaker families.

🏙️ What Is PMAY‑Urban & PMAY‑U 2.0?

The Urban component aims to help eligible families build, buy, or rent affordable homes.

👉 Key Highlights of PMAY‑U 2.0 (2024–29)

Approved by the Union Cabinet for a 5‑year period (2024–2029).
Target: 1 crore affordable homes for urban poor and middle‑income groups.
Estimated investment: ₹10 lakh crore, with govt subsidy support of ₹2.30 lakh crore.
Includes support via States/UTs and Primary Lending Institutions (PLIs) covering construction, purchase, or rent options.
Enhanced Credit Risk Guarantee Fund Trust (CRGFT) expanded to support home loans for EWS/LIG segments.

📈 Ongoing Implementation

Sanction and release orders under PMAY‑U 2.0 are regularly issued across states for Capacity Building & Beneficiary Led Construction (BLC) activities in FY 2025‑26.

🏡 PMAY‑Gramin (Rural Housing) — Fresh Mandate 2024–29

PMAY‑Gramin focuses on building pucca homes in rural India for eligible households identified through SECC data.

🚀 Latest Approval (2026 Update)

Cabinet has approved continuation of PMAY‑G for FY 2024‑25 to 2028‑29, adding 2 crore more pucca houses to existing targets.
Total outlay: ₹3,06,137 crore shared between Centre & States.
Assistances remain at ₹1.20 lakh (plains) & ₹1.30 lakh (hilly/NE regions) per house.

This expansion aims to benefit up to 10 crore rural Indians, pushing India closer to housing equity and rural upliftment.

📊 Progress so Far (Urban & Rural)

🏙️ Urban Housing (PMAY‑U)

Over 119 lakh houses sanctioned under PMAY‑Urban (including older versions). (
~93.8 lakh houses completed and delivered to beneficiaries. 🏡 Rural Housing (PMAY‑G)

Nearly 3.85 crore rural houses sanctioned.
~2.88 crore houses completed as of April 2025.

📌 These figures include both older PMAY phases and newer implementations under extended frameworks.

🗞️ Latest 2026 Updates (News Highlights)

✔️ Policy & Regulation

Maharashtra government now mandates that at least 25% of housing project beneficiaries must be linked before construction begins under PMAY‑U 2.0 — improving accountability. (

✔️ Delivery Milestones

Over 75,000 homes handed over to beneficiaries in Nashik (including PMAY‑G and other state programs), marking big progress in rural housing outreach.
✔️ Implementation Challenges

Supreme Court issues notices to Haryana govt and a builder over alleged fraud in an EWS housing project, showing legal scrutiny on scheme execution.
✔️ State-Level Impact

In Uttar Pradesh, over 62 lakh families have benefitted under PMAY‑U in nine years, illustrating large‑scale urban housing impact.

🧩 Who Is Eligible for PMAY?

📌 PMAY‑Urban (PMAY‑U)

EWS: Annual income up to ₹3 lakh.
LIG: ₹3–6 lakh.
MIG‑I: ₹6–12 lakh.
MIG‑II: ₹12–18 lakh.
Eligibility also checks non‑ownership of a pucca house.

📌 PMAY‑Gramin

Rural households identified as houseless or living in kutcha/dilapidated houses based on SECC 2011 data.

📌 How to Apply (2026 Update)

🖥️ Online (PMAY Portal)

Visit the official PMAY portal to submit applications, check status, and track approvals.
Upload Aadhaar, income proof, and land or residence documents.

📍 Offline

Applications can also be made through Municipal Corporations (PMAY‑U) or Gram Panchayats / Rural Development Offices (PMAY‑G).

🌟 Why PMAY Matters in 2026

✅ Affordable housing for low and middle‑income families
✅ Urban renaissance with PMAY‑U 2.0 expansion
✅ Rural social uplift via millions of pucca homes
✅ Economic multiplier through construction & jobs

By 2026, PMAY remains one of India’s most transformative social welfare initiatives — helping thousands of families own homes and strengthening the nation’s socio‑economic fabric.

📌 Final Thoughts

If you are eligible, acting now can help you secure a home with government support under PMAY. Stay updated with official portals and scheme notifications — and consider consulting your local housing office for personalised guidance.

Perfect! Here’s a complete downloadable checklist & step‑by‑step guide for applying to PMAY 2026 — covering both Urban (PMAY‑U / PMAY‑U 2.0) and Gramin (PMAY‑G) schemes:

📝 PMAY 2026 Application Checklist & Step‑by‑Step Guide

1. Determine Your Eligibility

PMAY‑Urban (PMAY‑U / PMAY‑U 2.0)

Category	Annual Income	Ownership Condition
EWS	Up to ₹3 lakh	Must not own a pucca house anywhere in India
LIG	₹3–6 lakh	Must not own a pucca house anywhere in India
MIG‑I	₹6–12 lakh	Must not own a pucca house anywhere in India
MIG‑II	₹12–18 lakh	Must not own a pucca house anywhere in India

PMAY‑Gramin (PMAY‑G / Rural)

Houseless or living in kutcha/dilapidated house based on SECC 2011.
Preference for SC/ST, minority, women-headed, or differently-abled households.

2. Required Documents

Common Documents (Both Urban & Rural)

Aadhaar card (self + family members)
Bank account (for subsidy transfer)
Income certificate (issued by competent authority)
Passport-sized photograph (applicant)
Caste certificate (if applicable)

PMAY‑Urban Specific

Proof of ownership / non-ownership of house anywhere in India
Land documents or consent from landowner (for construction)
Property tax receipt (if any)
Approved building plan (for construction/renovation)
CLSS (Credit Linked Subsidy Scheme) documents if applying via loan

PMAY‑Gramin Specific

SECC 2011 certificate / beneficiary ID
Panchayat certificate confirming kutcha house or houseless status
Any previous government housing subsidy record (if applicable)

3. Step-by-Step Application Process

Step 1: Choose Application Mode

Online: https://pmaymis.gov.in (Urban)
Offline: Local Municipal Corporation / Gram Panchayat office

Step 2: Fill Application Form

Enter personal, family, income, and address details.
Upload required documents.
Select scheme component: BLC, CLSS, ISSR, AHP (Urban), or Rural Housing (Gramin).

Step 3: Verification & Acknowledgment

After submission, your documents will be verified by local authority.
Receive application reference number for tracking.

Step 4: Beneficiary Selection

Urban: Based on income, eligibility, and scheme availability.
Rural: Verified against SECC database and priority categories.

Step 5: Sanction & Subsidy Release

For CLSS (Urban): Interest subsidy credited to bank account linked with loan.
For BLC / Rural: Construction funds or grants released in stages.

Step 6: Completion & Possession

House constructed / purchased as per scheme norms.
Beneficiary receives title deed or certificate of ownership.

4. Tips for Smooth Application

Ensure Aadhaar, bank account, and income certificate are updated.
Keep photocopies of all documents for offline submission.
Track application online using reference number.
Check scheme updates regularly, especially PMAY‑U 2.0 and PMAY‑G expansions.
Consult local officials for help with document verification and site approval.

✅ Quick PMAY 2026 Checklist:

Step	Completed?
Check eligibility (Urban / Rural)	☐
Collect Aadhaar, bank details, income certificate	☐
Collect property / land documents (if applicable)	☐
Fill application form online/offline	☐
Upload/submit documents	☐
Obtain reference number	☐
Track verification & selection	☐
Receive sanction / subsidy	☐
Complete house construction/purchase	☐
Get title deed / ownership certificate	☐

🏡 Pradhan Mantri Awas Yojana (PMAY) — Urban & Gramin (Incl. PMAY‑U 2.0) | Latest Updates 2026

📌 Introduction