Awas Yojana and Sarkari Yojana Guide 2026

Pradhan Mantri Awas Yojana in brief

The central Pradhan Mantri Awas Yojana (PMAY) has two parts, and they work very differently.

PMAY-Gramin (rural) came into effect on 1 April 2016 and was formally launched on 20 November 2016. It gives Rs 1.20 lakh per house in plain areas and Rs 1.30 lakh in hilly, difficult and IAP areas, for a house of at least 25 sq m, plus wage days under the rural employment scheme and Rs 12,000 for a toilet through Swachh Bharat Mission. On 9 August 2024 the Cabinet approved 2 crore more houses for FY 2024-25 to 2028-29. As of 3 August 2026, about 3.12 crore houses were completed, as reported from a Rajya Sabha reply. There is no open online application form: families are selected from SECC 2011 and Awaas+ survey lists verified by the Gram Sabha.

PMAY-Urban 2.0 runs for five years from 1 September 2024 and aims to help 1 crore urban poor and middle-class families build, buy or rent a house. It offers up to Rs 2.5 lakh for EWS families building on their own land (BLC) or buying in partnership projects (AHP), rental housing (ARH), and a 4% interest subsidy on the first Rs 8 lakh of a home loan (ISS) for incomes up to Rs 9 lakh. Unlike the rural scheme, PMAY-U 2.0 has an official online application. PIB reported 18.38 lakh houses sanctioned under PMAY-U 2.0 as of 9 August 2026.

Housing schemes: state awas yojanas

Many states fund their own housing schemes for families left out of PMAY, or top up PMAY amounts.

• State awas yojana list: Maharashtra's gharkul yojana (Ramai, Shabari, Modi Awas), Mukhyamantri Awas Yojana in UP and Bihar, Odisha's Antyodaya Gruha Yojana, West Bengal's Paschim Banga Awas and more, in one table with dated amounts.
• Abua Awas Yojana Jharkhand: Rs 2 lakh in four instalments for a three-room house, as reported, with eligibility and safe ways to check the list.
• Indiramma housing scheme Telangana: Rs 5 lakh per house in four construction stages, as reported, plus Hyderabad's CURE flats.
• DDA housing scheme: Delhi flats sold at set prices. As of 14 October 2026, Karmajeevi 2026 and Janta Awaas Phase II 2026 are open.

Mahila sarkari yojana: schemes for women

• Ladki Bahin Yojana Maharashtra: Rs 1,500 a month for eligible women aged 21 to 65, as reported. Viral posts about Rs 2,100 from September 2026 were called misleading on 12 October 2026.
• Ladki Bahin e-KYC: the reported final deadline was 30 April 2026. What to do if your instalment stopped.
• Ladli Behna Yojana MP: Rs 1,500 a month since 12 November 2025, as reported. The 41st instalment was scheduled for 14 October 2026.
• Subhadra Yojana Odisha: Rs 50,000 over five years, Rs 10,000 a year in two instalments. The 5th instalment was paid on 28 August 2026, as reported.
• Mahtari Vandan Yojana Chhattisgarh: Rs 1,000 a month. The 32nd instalment was released on 8 October 2026, as reported.
• Lakhpati Didi: not a cash payment, but SHG support to help women earn Rs 1 lakh or more a year. PIB said on 17 July 2026 that 3 crore was crossed.
• PMMVY: Rs 5,000 for the first child and Rs 6,000 for a second child who is a girl. Ayushman Bharat (PM-JAY) beneficiaries are among those eligible. Helpline 14408.

Ladki ke liye sarkari yojana: schemes for girls

• Sukanya Samriddhi Yojana: a savings account for a girl under 10, opened at a post office or authorised bank. Deposit Rs 250 to Rs 1,50,000 a year for 15 years; it matures in 21 years. The rate for October to December 2026 is 8.2%, as reported.
• Sukanya Samriddhi calculator: estimate the maturity amount for your deposit, with the assumptions explained. Results are estimates, not guarantees.

Farmers

PM Kisan Samman Nidhi pays Rs 6,000 a year in three Rs 2,000 instalments to landholding farmer families. The 23rd instalment was released on 20 June 2026 to over 9.44 crore farmers (PIB). As of 12 October 2026 the 24th instalment had not been announced. e-KYC and land seeding are needed to keep receiving money.

Workers, artisans and youth

• PM Vishwakarma Yojana: for artisans in 18 trades such as carpenters, potters, tailors and barbers. Toolkit help up to Rs 15,000, training with Rs 500 a day stipend, and loans of Rs 1 lakh then Rs 2 lakh at 5%. Registration is at a CSC.
• Atal Pension Yojana: a pension of Rs 1,000 to Rs 5,000 a month from age 60 for people who join between 18 and 40. Income tax payers cannot join since 1 October 2022.
• Mukhyamantri Seekho Kamao Yojana MP: on-the-job training for youth aged 18 to 29 in Madhya Pradesh with a monthly stipend of Rs 8,000 to Rs 10,000, as reported.

Households and energy

• PM Ujjwala Yojana: a free LPG connection for adult women from poor households. Since June 2026 the Rs 300 subsidy applies to only the first 4 refills a year, as reported.
• PM Surya Ghar Muft Bijli Yojana: the solar panel sarkari yojana. Central subsidy is Rs 30,000 for 1 kW, Rs 60,000 for 2 kW and Rs 78,000 for 3 kW or more, aiming at up to 300 free units a month.

How to use this guide safely

1. Find your scheme above and read the eligibility rules and dates.
2. Note the "as of" date next to each amount. If it is old, check the official portal or office for the latest figure.
3. Apply or check status only on the official portal we link (look for addresses ending in .gov.in or .nic.in), at a CSC, or at your Gram Panchayat, Anganwadi or block office.
4. If a portal screen looks different from our description, look for a similar option or ask the office. Menus change often.

Applying for these schemes is free on official portals; only CSC service charges apply where officially allowed. Never share an OTP, Aadhaar or bank details with unknown callers. Beware of fake websites, fake apps, fake approval letters and agents who promise a house or money for a fee. Report cyber fraud on 1930.