PM Awas Yojana: Food, clothing, and shelter are the most fundamental needs of every individual. While one can fulfil the first two needs through manual labour, building or purchasing a home requires a significant amount of money—often an amount beyond the reach of even middle-class families. Keeping this in mind, Prime Minister Narendra Modi launched the ‘PM Awas Yojana-Gramin’ (Rural), his most ambitious scheme aimed at providing housing for all.

The primary objective of this government scheme is to provide a permanent roof over the heads of all citizens; however, the benefits are available specifically to those who apply for a home under the PM Awas Yojana. Millions of people in the country still miss out on the scheme’s benefits due to a lack of information. With this goal in mind, we have compiled details about the scheme and explained how one can avail of its benefits.

How to apply for the PMAY scheme?
Applications for this scheme can be submitted via both online and offline modes. To apply online, one can visit the scheme’s official website. A valid Aadhaar card is mandatory for the application process. For offline applications, the applicant must visit a Common Service Center (CSC) to fill out and submit the form. The cost of this form is ₹25 plus GST.

What is the application process?
It is worth noting that the PM Awas Yojana-Gramin is designed specifically for people living in rural areas. The government has developed a mobile-based ‘Awas App’ to facilitate applications for this scheme.

How to apply via the app?
First, download the PM Awas Yojana app from the Google Play Store.
Next, register using your mobile number.
The app will then send a One-Time Password (OTP) to your mobile number.
After logging in with the OTP, fill in the required details.

Know the benefits of the scheme.
The PM Awas Yojana-Gramin provides financial assistance to help you build your own home. Under PMAY-Gramin, you can avail yourself of a loan of up to ₹6 lakh at an annual interest rate of up to 6%. Should you need more funds to build your house, you will have to borrow the additional amount at the applicable interest rate.

Who is eligible for the scheme?
Regarding eligibility for the PM Awas Scheme, benefits are available to the Economically Weaker Section (EWS) with an annual income of up to ₹3 lakh and the Low-Income Group (LIG) with an annual income between ₹3 lakh and ₹6 lakh. It also covers the Middle-Income Group (MIG) with an annual income ranging from ₹6 lakh to ₹12 lakh. Additionally, women belonging to the EWS and LIG categories, as well as individuals from Scheduled Castes (SC), Scheduled Tribes (ST), and Other Backward Classes (OBC), can avail of the benefits of this scheme.

How ​​to check your name on the list
Under PMAY-G, the Central Government selects beneficiaries after it receives applications for housing. Subsequently, the final list of beneficiaries is published. If you have applied for a housing loan under the PM Awas Scheme (Gramin), you can check your name on the PMAY-Gramin beneficiary list.

To check your name under the PM Awas Scheme, beneficiaries must visit the scheme’s official website. Navigate to the ‘Search Beneficiary’ tab located in the top menu. Click on this option to open the search page. Enter your name in the designated field. A list of individuals sharing that name will appear on the screen. You can click on your specific name to view complete details.