PMAY-G Phase 2 — Rural Housing 2024 — Quick Overview
| Scheme Name | PM Awas Yojana Gramin Phase 2 2024 — 2 Crore New Rural Houses: ₹1.20-1.30 Lakh + ₹90 Days MGNREGS | pmayg.nic.in |
| Launched By | Government of India |
| Launch Year | 2024 |
| Benefit | ₹1.20 lakh (plain) / ₹1.30 lakh (hills/NE) housing grant + 90 days MGNREGS wages (~₹24,000) + Free toilet (SBM-G) + Free water connection (JJM) + Free electricity (DDUGJY) |
| Category | Housing |
| Last Verified | 25 May 2026 |
| Official Portal | https://pmayg.nic.in |
What is PMAY-G Phase 2 — Rural Housing 2024?
Pradhan Mantri Awas Yojana Gramin (PMAY-G) Phase 2 was announced in the Union Budget 2024-25 to construct 2 crore additional pucca houses in rural India over the next 5 years (2024-29), building on Phase 1's achievement of 2.95 crore houses. Phase 2 enhancements: (1) House assistance increased: ₹1.20 lakh in plain areas, ₹1.30 lakh in hilly/NE states (enhanced from earlier amounts); (2) MGNREGS wage linkage: 90 person-days of MGNREGS work for construction labour — earning ~₹24,000-27,000 additional income for beneficiary; (3) SBM-G convergence: Free toilet construction (Swachh Bharat Mission — Gramin); (4) Jal Jeevan Mission: Piped water tap connection; (5) DDUGJY/Saubhagya: Free electricity connection. So a PMAY-G Phase 2 house actually delivers: ₹1.20 lakh housing grant + ₹24,000 MGNREGS wages + ₹12,000 SBM-G toilet + free water + free electricity — total value ~₹1.60-1.80 lakh. Selection: Through Awaas+ survey and Gram Panchayat-level priority list.
Under this scheme, eligible beneficiaries receive ₹1.20 lakh (plain) / ₹1.30 lakh (hills/NE) housing grant + 90 days MGNREGS wages (~₹24,000) + Free toilet (SBM-G) + Free water connection (JJM) + Free electricity (DDUGJY). The scheme was launched in 2024 and is implemented by the Government of India.
Benefits of PMAY-G Phase 2 — Rural Housing 2024
₹1.20 lakh (plain) / ₹1.30 lakh (hills/NE) housing grant + 90 days MGNREGS wages (~₹24,000) + Free toilet (SBM-G) + Free water connection (JJM) + Free electricity (DDUGJY)
Who is Eligible for PMAY-G Phase 2 — Rural Housing 2024?
- ✓Rural households without a pucca house (kutcha/no house) — verified through Awaas+ survey and Gram Sabha
- ✓NOT a beneficiary of any previous government housing scheme (PMAY-G Phase 1, IAY, etc.)
- ✓Must not own a pucca house anywhere in India
- ✓Priority: SC/ST, freed bonded labourers, minorities, widows, persons with disabilities
- ✓Selected through Gram Sabha and Gram Panchayat priority list — NOT self-application
Documents Required for PMAY-G Phase 2 — Rural Housing 2024
How to Apply for PMAY-G Phase 2 — Rural Housing 2024 Online?
- 1Check if your household was surveyed under Awaas+ survey — ask at Gram Panchayat office
- 2If not surveyed: Request BDO (Block Development Officer) for inclusion in waiting list
- 3Priority list approved by Gram Sabha annually — demand Gram Sabha discussion on housing priority
- 4Once selected: Aadhaar-linked bank account registered at PMAY-G portal → 3 instalments of ~₹40,000 each
- 5Track status: pmayg.nic.in → Beneficiary → Enter Aadhaar
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on pmayg.nic.inFrequently Asked Questions — PMAY-G Phase 2 — Rural Housing 2024
Related Housing Schemes
PM Awas Yojana 2026 — Pradhan Mantri Awas Yojana Gramin & Urban Subsidy
Pradhan Mantri Awas Yojana (PMAY), launched in 2016, is India's largest housing programme providing financial assistance to build pucca houses for economically weaker sections. Under PMAY-Gramin (rural), eligible BPL families receive ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly or north-eastern states paid directly through DBT. Under PMAY-Urban, first-time homebuyers in EWS (annual income up to ₹3 lakh) get 6.5% interest subsidy on home loans up to ₹6 lakh, reducing monthly EMI significantly. LIG (income ₹3–6 lakh) gets 6.5%, MIG-I (₹6–12 lakh) gets 4%, and MIG-II (₹12–18 lakh) gets 3% subsidy under the Credit Linked Subsidy Scheme (CLSS). Beneficiaries are selected through the SECC database and state government surveys. Over 2.1 crore PMAY houses have been completed as of 2026.
PMAY Urban 2.0 (2024) — Rs 2.30 Lakh Subsidy + 1 Crore New Urban Houses | pmaymis.gov.in
Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) was launched in August 2024 to build 1 crore affordable houses for urban poor and middle-class families over 5 years (2024-29) with a total outlay of Rs 10 lakh crore. The scheme provides interest subsidy (Credit Linked Subsidy Scheme — CLSS) up to Rs 2.30 lakh on home loans, beneficiary-led construction (BLC) assistance, and affordable housing in partnership. EWS/LIG/MIG families with annual income up to Rs 18 lakh are eligible.
RERA 2026 — Real Estate Regulation & Development Act: Homebuyer Protection & Developer Accountability | rera.mohua.gov.in
Real Estate (Regulation and Development) Act (RERA), enacted in 2016 and implemented through state RERA authorities, protects homebuyers from fraudulent/delayed real estate projects. RERA mandates: (1) All residential/commercial projects above 500 sq m or 8+ apartments MUST register with state RERA before any marketing/sale; (2) Developers must park 70% of project funds in a designated escrow account — preventing fund diversion; (3) Project must be delivered by RERA-registered delivery date — delay triggers 10.75%+ interest compensation to buyers; (4) 5-year defect liability: Developer must fix structural defects free for 5 years post-possession; (5) Carpet area transparency: Sale only on carpet area basis (not super-builtup); (6) RERA complaint mechanism: Homebuyers can file online complaints against developers in their state RERA; (7) Real estate agents must register with RERA — illegal to deal in unregistered projects. All 36 states/UTs have operational RERA. Homebuyer tips: Always check RERA registration before booking. Key risk: Unregistered projects have no RERA protection.