PM Awas Yojana Registration 2026 Begins: Government Offers ₹2.2 Lakh Housing Assistance

For millions of Indian families, the dream of owning a "Pucca" house—a permanent home with a solid roof and basic amenities—is closer than ever. As we enter 2026, the Government of India has opened a fresh phase of registrations for the Pradhan Mantri Awas Yojana (PMAY).

With an updated focus on the "Housing for All" mission, the government is offering significant financial assistance, with figures reaching up to ₹2.2 lakh to ₹2.5 lakh depending on the specific category and location of the applicant.

If you’ve been waiting to secure a home for your family, here is everything you need to know about the 2026 registration process, eligibility, and benefits.

What’s New in 2026?

The 2026 phase is part of the expanded PMAY 2.0 initiative.¹ The government has committed to building 1 crore (10 million) additional houses for the urban poor and middle class, alongside continued efforts in rural areas.

The most striking feature of this year’s rollout is the enhanced financial assistance. While previous phases focused on smaller subsidies, the current framework provides a more robust safety net:

• Urban Areas (PMAY-U 2.0): Central and State assistance combined can go up to ₹2.5 lakh for those in the Beneficiary Led Construction (BLC) category.³
• Rural Areas (PMAY-G): Assistance of approximately ₹1.2 lakh to ₹1.3 lakh is provided for construction, which can be further boosted through convergence with schemes like MNREGA (for labor) and Swachh Bharat (for toilets), bringing the total benefit significantly higher.

Eligibility: Who Can Apply?

The scheme is strictly designed for those who do not yet own a permanent house anywhere in India.⁴ The eligibility is divided into income-based categories:

Category	Annual Household Income	Key Benefit
EWS (Economically Weaker Section)	Up to ₹3 Lakh	Highest subsidy & direct financial aid
LIG (Lower Income Group)	₹3 Lakh – ₹6 Lakh	Interest subsidy on home loans
MIG (Middle Income Group)	₹6 Lakh – ₹9 Lakh	Interest subsidy up to 4%

Note: To empower women, the scheme encourages the female head of the household to be the owner or co-owner of the property.

Step-by-Step Registration Process

The government has made the application process digital to ensure transparency and speed.⁶ You can apply via the official portals or through a nearby Common Service Center (CSC).⁷

1. Online Application (Urban)

• Visit the official PMAY-Urban portal (pmaymis.gov.in).
• Click on the 'Citizen Assessment' tab.
• Select the appropriate category (e.g., Beneficiary Led Construction or Slum Dwellers).
• Enter your Aadhaar Number (this is mandatory for verification).
• Fill in the detailed form with your personal info, bank details, and income proof.
• Submit and save your Assessment ID for tracking.

2. Rural Application (Gramin)

In rural areas, the selection is often based on the Awaas+ list and SECC data. However, you can check your name or register interest through your local Gram Panchayat or by using the AwaasApp on your smartphone.

Documents You Will Need

Before sitting down to apply, make sure you have these documents ready in digital format:

• Aadhaar Card (for all family members).
• Voter ID or PAN Card.
• Income Certificate (issued by the tehsildar or relevant authority).
• Caste Certificate (if applicable for SC/ST/OBC).
• Bank Passbook (to receive the Direct Benefit Transfer).
• Affidavit stating you do not own a "pucca" house in India.

Why This Matters

This isn't just about four walls and a roof. The 2026 PMAY houses are being built with "all-weather" standards and include essential services like electricity, water connection, and a functional toilet. By integrating with other schemes like the Ujjwala Yojana (for gas connections), the government is ensuring that these houses become true homes where families can thrive.

Pro Tip: Beware of fraudulent websites or individuals asking for "registration fees." The PMAY registration is a government service, and you should only use official .gov.in websites or authorized CSC centers.