Pradhan Mantri Awas Yojana – Gramin (PMAY)

  • It replaces Indira Awas Yojana (IAY), which was launched as a sub scheme of Jawahar Rozgar Yojana in 1985.
  • IAY aims at helping rural people below the poverty-line (BPL) in construction of dwelling units and upgradation of existing unserviceable kutcha houses by providing assistance in the form of full grant.
  • Beneficiaries are people belonging to SCs/STs, freed bonded labourers and non-SC/ST categories, widows or next-of-kin of defence personnel killed in action, ex-servicemen and retired members of the paramilitary forces, Disabled persons and Minorities.
  • It will be implemented in rural areas across the country except Delhi and Chandigarh
  • Government to construct 1 crorepucca (permanent) houses for the rural poor in the next three years.
  • The project will be implemented in a span of three years and expected to boost job creation in rural areas.


  • Beneficiaries of the rural houses would be chosen according to data taken from the Socio- Economic Caste Census of 2011
  • An allowance of Rs. 120,000 in plain areas and Rs. 130,000 in hilly areas will be provided for construction of homes
  • The unit size will be enhanced from the existing 20 to up to 25 including a dedicated area for hygienic cooking.
  • Funds will be transferred electronically directly to the account of the beneficiary.
  • The beneficiary would be facilitated to avail loan of up to Rs.70,000 for construction of the house which is optional.


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