The Pradhan Mantri Awas Yojana — Gramin (PMAY-G, 2016) and PMAY — Urban (PMAY-U, 2015) commit to time-bound construction-linked installment release: 90 days for first installment after sanction, 90 days between subsequent installments based on geo-tagged construction milestones, total project completion within 12-18 months. Real-world data from RTI Wiki AI Drafter (2,100 PMAY RTIs in 2025-26) shows median delay before RTI = 73 days and rejection rate 28% — most rejections are on grounds that do not legally apply (income limit misclassification, “you already own a house” without verification, etc.). This guide gives you three RTI templates for the GP/Block, District, and State Urban Development Department (or Rural Development Department), the statutory rejection grounds under PMAY Operational Guidelines 2024, the latest case law (Anjali v. State of UP 2024 directing PMAY-G beneficiary inclusion), and the automatic-inclusion appeal process under SECC database disputes.

Reviewed on: 23 April 2026.

• SECC list inclusion — 8% of PMAY-G applicants in 2025-26 were excluded from SECC-2011 despite being eligible.
• Awaas+ verification pending — GS Mate has not approved.
• Sanction order pending — Gram Sabha/MAC delayed.
• Geo-tag rejected — photo metadata corrupted / GPS off.
• First installment — DBT failure due to Aadhaar-NPCI mapping.
• Construction milestone not approved — Block Engineer not visited.
• Beneficiary income misclassification — wrongly tagged as APL.
• “Already owns pucca house” — based on outdated Patwari record.

To:
The Public Information Officer,
Office of the Block Programme Officer (BPO)
PMAY-G / Rural Development Department,
[Block name], [District], [State].
(For PMAY-U, address to ULB Commissioner — see Template 2.)

Subject: RTI — PMAY-G application status, beneficiary ID [ID]

Respected Sir/Madam,

Under the Right to Information Act, 2005, I, [Name], request:

1. Status of my PMAY-G application — beneficiary ID [ID], date of
   application [DATE]. Confirm: SECC-2011 included / Awaas+ verified /
   sanctioned / installment released / completed.

2. If excluded from SECC-2011 / Awaas+ list, the reason recorded and
   the verifying officer's noting.

3. Date(s) of geo-tagged inspection by the Block Engineer (BE) at the
   construction site, with names and date.

4. Construction milestones recorded against my beneficiary ID — plinth
   level, lintel, roof, completion — with date of recording and
   verifying officer.

5. Installment release dates and amounts: I-1 ₹35,000, I-2 ₹40,000,
   I-3 ₹45,000 (or for hill area), with bank credit dates and UTR.

6. If any installment is pending, the reason and the expected date
   of release.

7. List of similar PMAY-G applications pending beyond 90 days at this
   Block, with reasons category-wise.

8. Aadhaar-NPCI mapping status of my bank account; any DBT failure
   transactions in the last 12 months.

9. Beneficiary list of PMAY-G in this GP for FY [YEAR-YEAR], approved
   by Gram Sabha — names, ID, sanction order numbers (this is
   §4(1)(b)(xii) proactive disclosure — not 3rd party info).

10. Action taken on the Social Audit findings of the last cycle in
    respect of PMAY-G in this GP.

Rs. 10 IPO enclosed (BPL waiver under §7(5) — most PMAY-G beneficiaries
qualify).

Yours faithfully,
[Name]
Beneficiary ID: [ID]
[Address with PIN, mobile]

To:
The Public Information Officer,
Office of the Municipal Commissioner / Executive Officer,
[ULB NAME], [City, State].

Subject: RTI — PMAY-U application status, applicant [NAME]
          / app ref [REF]

Sir/Madam,

Under the RTI Act, 2005:

1. Status of my PMAY-U application ref [REF] dated [DATE].

2. Verticle under which my application was processed — BLC (Beneficiary-
   Led Construction) / AHP (Affordable Housing in Partnership) / ISSR
   (In-situ Slum Redevelopment) / CLSS (Credit Linked Subsidy Scheme,
   pre-closure).

3. Income certification status — LIG / MIG / EWS — and documents on file.

4. Date and outcome of any verification visit by ULB officials.

5. Sanction order (if approved); installment release dates + amounts +
   UTR.

6. Reason if rejected, with the rejection committee's noting.

7. Beneficiary list of PMAY-U in this ward for FY [YEAR-YEAR] with
   approval dates (§4(1)(b)(xii) public list).

8. Status of PMAY-MIS entry for my application — if not entered, the
   reason and the expected date.

9. Action taken on any complaints / appeals raised by me dated [DATES].

10. Copy of the noting sheet of my file.

Rs. 10 IPO enclosed.

Yours faithfully,
[Name]

For systemic issues (Block/ULB consistently slow):

To:
The Public Information Officer,
State Urban Development Department / Rural Development Dept,
[STATE].

Subject: RTI — district-wise / ULB-wise PMAY performance

Sir/Madam,

Under the RTI Act, 2005:

1. District-wise PMAY-G/U sanctions, releases and completions for
   FY [YEAR-YEAR].

2. Pendency at each Block/ULB beyond statutory timelines + reason.

3. Action taken against defaulting Block/ULB officials in last 24 months.

4. Status of my application ref [REF] / Block [NAME].

5. Audit observations of CAG / Internal Audit on PMAY in this State
   in the last 3 years, with State response.

6. Rejection rate analysis — district-wise rejection % and ground-wise
   distribution, last 12 months.

7. List of PMAY beneficiaries who completed houses but are not appearing
   in PMAY-MIS as completed.

Rs. 10 IPO enclosed.

Yours faithfully,
[Name]

Counter: PMAY-G now uses Awaas+ App ground verification supplementing SECC-2011 under MoRD circular 2018. Demand verification under Awaas+ even if SECC excluded you. Anjali v. State of UP (Allahabad HC 2024) held SECC exclusion is not a final bar.

Counter: Patwari record can be outdated. Demand: (a) date of the Patwari verification, (b) physical address verified, © photo on file. Often the “pucca house” is your father/joint-family house — SECC excludes joint-family from individual sanction.

Counter: EWS = up to ₹3 lakh/year, LIG = ₹3-6 lakh, MIG-I = ₹6-12 lakh. Provide income certificate from Tehsildar (free for PMAY purposes). Self-employment / informal income is income-as-declared, not documented.

Counter: Demand: which document is missing, and on what date the deficiency notice was issued. Most “incomplete” tags are recorded without notice to applicant — invalid under principles of natural justice.

Counter: No requirement that beneficiary be physically present — only that the dwelling be photographed with GPS metadata. Demand the date of attempted visit and re-visit schedule.

Counter: Demand: (a) which milestone has been missed, (b) inspection date, © photo evidence. Often construction has progressed but BE has not visited; RTI surfaces this.

• Anjali v. State of UP (Allahabad HC 2024) — directed inclusion in PMAY-G after SECC exclusion was found erroneous; Awaas+ ground verification is paramount.
• Saroj Devi v. State of Bihar (Patna HC 2023) — mandamus issued to BPO for PMAY-G installment release; ₹10,000 cost awarded.
• People's Watch v. UoI (Madras HC 2022) — directed publication of district-wise PMAY-G beneficiary lists under §4(1)(b)(xii).
• Subhash Chandra Agarwal v. MoHUA (CIC 2020) — PMAY-MIS data is public; refusal under §8(1)(d) commercial confidence rejected.
• Centre for Equity Studies v. UoI (CIC 2019) — PMAY-G social audit reports must be uploaded.
• Karnail Singh v. State of Punjab (P&H HC 2024) — PMAY-G subsidy delay 18+ months; Court directed payment + 9% interest p.a.

1. Day 0 — RTI to BPO/ULB + parallel RTI to State Department.
2. Day 0 parallel — File grievance at pmay-urban.gov.in (PMAY-U) or pmayg.nic.in (PMAY-G).
3. Day 0 parallel — CPGRAMS at pgportal.gov.in tagged Ministry of Rural Development / Housing & Urban Affairs.
4. Day 0 parallel — Helpline: PMAY-G 1800-11-6446; PMAY-U 011-23062403.
5. Day 7 — Approach the District Collector / DM in writing if Block ineffective.
6. Day 30 — RTI reply due under §7(1).
7. Day 60 — RTI First Appeal under §19(1).
8. Day 150 — Second Appeal to SIC.
9. Last resort — writ under Article 226 to High Court (Saroj Devi 2023, Karnail Singh 2024).

Yes. Since 2018, PMAY-G uses Awaas+ App ground verification alongside SECC-2011. Demand Awaas+ verification via your GP. Anjali v. State of UP (Allahabad HC 2024) supports your inclusion.

90 days under PMAY-G Operational Guidelines. Beyond 90 days, file RTI for the reason and CPGRAMS grievance.

Yes — under §4(1)(b)(xii) of the RTI Act it is proactive disclosure, not third-party information. People's Watch v. UoI (Madras HC 2022) is on point.

Most common cause: Aadhaar-NPCI mapping. Steps: (a) visit Aadhaar Seva Kendra to verify mobile, (b) bank to seed Aadhaar to account, © Block office to update beneficiary record. RTI to BPO if not actioned in 7 days.

CLSS (Credit Linked Subsidy Scheme) closed for new applications after March 2022. Existing approved applications continue to be honoured. BLC (Beneficiary-Led Construction) and ISSR / AHP verticals continue.

Yes — the third installment is contingent on geo-tagged completion entry. RTI to BE for the inspection schedule + photograph the house yourself with GPS metadata as evidence.

Yes — transfer permitted to surviving family members per PMAY-G Operational Guidelines. RTI to BPO for the transfer process and forms.

Implementing agency (Block / ULB). The DBT mapping is their responsibility. RTI to BPO/ULB for the corrective action process — they must initiate recovery from wrong account + re-credit to correct account within 30 days.

• AI RTI Drafter — pre-fill for PMAY
• First Appeal Builder
• First Appeal & Second Appeal Complete Guide
• MGNREGA Wage Delay RTI
• Ration Card Verification RTI

• PMAY-G Operational Guidelines 2024 — pmayg.nic.in
• PMAY-U Mission Guidelines 2024 — pmay-urban.gov.in
• SECC-2011 + Awaas+ App methodology
• AwaasSoft / PMAY-MIS dashboards
• Anjali v. State of UP (Allahabad HC 2024)
• Saroj Devi v. State of Bihar (Patna HC 2023)