PM Awas Gramin Amount 2026: How Much Money You Get and in Which Instalment

Plain areas

₹1,20,000 house assistance

Hilly / difficult / IAP areas

₹1,30,000 house assistance

MGNREGA labour

90 person-days (95 in hilly/IAP areas) of unskilled wages

Toilet support

₹12,000 via SBM-G, MGNREGA or other source

Minimum house size

25 sq m including a hygienic cooking space

Payment mode

Direct to the beneficiary's bank account through AwaasSoft/PFMS

PMAY-G is the Centre's rural housing scheme for families who are houseless or live in kutcha or dilapidated houses. The funding for the house is shared between the Centre and the State — 60:40 in most States, and 90:10 in the North-Eastern and Himalayan States — but for the beneficiary it arrives as one combined amount, split across instalments. The house must be at least 25 square metres, including a dedicated area for hygienic cooking, and it is built by the family itself, not by a contractor.

Total support is more than the headline ₹1.20 lakh. For an illustrative plain-area house: ₹1,20,000 assistance + 90 days of MGNREGA unskilled wages (the daily rate depends on your State's notified MGNREGA wage) + ₹12,000 for a toilet. Families who want a bigger house can also take an optional institutional loan; the scheme framework allows beneficiaries to seek such a loan from a bank, and this is fully voluntary. Masons, technical guidance and house design typologies are supported locally, so families can build a sturdy house suited to their region.

• ✓Your name must be on the approved PMAY-G beneficiary list for your Gram Panchayat (from SECC 2011 or Awaas+ survey data, verified by the Gram Sabha)
• ✓The house must be sanctioned in AwaasSoft before any instalment is released
• ✓Your bank or post-office account must be correct and Aadhaar-seeded for the payment to reach you
• ✓Each later instalment needs a geo-tagged photo of the completed stage and verification by the field functionary
• ✓To get MGNREGA wages for your own house, the family needs an active MGNREGA job card

• ✓PMAY-G registration number / sanction order
• ✓Aadhaar of the beneficiary
• ✓Bank or post-office passbook in the beneficiary's name
• ✓MGNREGA job card (for labour wages)
• ✓Consent for Aadhaar use as required by the State

1. Find your registration number using our PMAY-G registration-number guide or from the panchayat
2. On pmayg.dord.gov.in open Stakeholders → IAY/PMAYG Beneficiary and search by registration number to see sanction and payment details
3. Match each credited payment to a construction stage — foundation/plinth, lintel/roof level, completion — the exact stages are set by your State
4. Before each stage, ask the Gram Rozgar Sahayak or Awaas Sahayak to upload the geo-tagged photo through AwaasApp; no photo, no next instalment
5. Check your MGNREGA job card on nrega.nic.in to confirm the 90/95 days of work on your house are recorded and paid
6. If an instalment is pending even after the stage is uploaded, check the FTO/PFMS status, then raise it at the block PMAY-G desk

There is no national date for instalments; each is released after the previous stage is verified. States usually expect a house to be completed within about 12 months of sanction, so build steadily and keep photos updated.

• ✓Thinking ₹1.20 lakh comes in one payment — it is always staged
• ✓Starting the next stage before the earlier geo-tag is uploaded, which delays money
• ✓Paying anyone to “release” an instalment — no fee is required
• ✓Ignoring the MGNREGA wage part, which is a real extra benefit
• ✓Changing the bank account without informing the block office