PMAY 2nd Instalment 2026: Have PM Awas Yojana 1st Installment and are waiting for the 2nd instalment? The next payment depends on the house being completed and verified by the authorities. Eligible beneficiaries can check their payment details online on the official PMAY website.
But how much money will you get? Is the second payment 60000 rupees? When will you receive it in your bank account? All you need to know about rural and urban beneficiaries.
PMAY 2nd Instalment 2026: Overview
- Scheme: Pradhan Mantri Awas Yojana
- Rural Scheme: PMAY-Gramin (PMAY-G)
- Urban Scheme: PMAY-Urban 2.0
- Payment Mode: Direct Benefit Transfer (DBT), as applicable
- Beneficiaries: Approved rural and urban households
- Official Portals: PMAY-G and PMAY-U
PMAY 2nd Instalment 2026: How Much Money Will You Get?
The second instalment amount depends on whether you are a rural or urban beneficiary.
PMAY-Gramin (Rural)
Under PMAY-G, the total housing assistance is:
| Area | Total Assistance |
|---|---|
| Plain Areas | ₹1,20,000 |
| Specified Hilly & Other Eligible Areas | ₹1,30,000 |
The second instalment amount is decided by the respective State/UT Government. There is no fixed nationwide amount for this payment.
PMAY-Urban 2.0 (BLC Component)
Under the Beneficiary Led Construction (BLC) component, central assistance is released in three instalments.
| Instalment | Central Assistance |
|---|---|
| First | 40% (₹60,000) |
| Second | 40% (₹60,000) |
| Final | 20% (₹30,000) |
| Total | ₹1,50,000 |
Important: The ₹60,000 second instalment is calculated on the applicable ₹1.50 lakh central assistance. It is not a fixed payment for every PMAY beneficiary. State assistance is additional, wherever applicable.When Will the PMAY 2nd Instalment Be Released?
The payment depends on the construction stage and verification requirements.
For PMAY-Gramin:
- The second instalment is linked to the Foundation or Plinth Stage.
- Construction progress must be recorded in the official system.
- Required geo-tagged photographs must be uploaded and verified.
For PMAY-Urban 2.0 (BLC):
- The second instalment is linked to the Lintel Stage.
- The house’s construction progress must be geo-tagged.
- Applicable fund utilisation and verification requirements must be fulfilled.
There is no common payment date for all beneficiaries.
How to Check PMAY 2nd Instalment Status Online?
Follow these steps to check your available beneficiary and payment information:
- Visit the relevant official PMAY portal.
- Open the beneficiary, payment or FTO tracking facility, as applicable.
- Enter your registration number or requested details.
- Complete the required verification.
- Check your latest payment information.
For rural beneficiaries, the PMAY-Gramin Portal provides beneficiary reports and related payment information.
What Does Your PMAY Payment Status Mean?
While checking your payment details, you may come across these terms:
- FTO Generated: Fund Transfer Order has been generated.
- Payment Processing: The transfer is undergoing processing.
- Sent to Bank: Payment instructions have been forwarded to the bank.
- Payment Credited: Money has been transferred to your account.
- Payment Failed: The transfer could not be completed and may require correction.
Why Has Your PMAY 2nd Instalment Not Arrived?
If your second instalment is still pending, check these possible reasons:
- Required house construction progress is incomplete.
- Geo-tagging or construction verification is pending.
- Bank account details need correction.
- Beneficiary information requires verification.
- Payment processing is still pending with the concerned authority.
What to Do If Your 2nd Instalment Is Delayed?
If your house has reached the required construction stage but the payment has not arrived:
- Contact your Gram Panchayat or Awas Sahayak.
- Ask whether your construction progress has been geo-tagged.
- Verify your bank account and beneficiary details.
- Contact your Block Development Office for payment updates.
- For urban beneficiaries, approach your Urban Local Body (ULB).
Important Documents and Details to Keep Ready
- PMAY registration number or beneficiary ID.
- Aadhaar and identity details.
- Bank account information.
- House sanction details.
- Registered mobile number.
- Previous instalment or payment details.
Important Things Beneficiaries Should Remember
- The second instalment depends on construction progress and verification.
- PMAY-Gramin and PMAY-Urban 2.0 have different payment rules.
- Keep your bank account active and beneficiary details correct.
- Check whether construction photographs have been uploaded.
- Never pay agents who promise guaranteed or faster payments.
Important Links
| PMAY-Gramin Portal | Visit Here |
| PMAY-G Beneficiary Search | Check Here |
| PMAY-G Advanced Search | Open Here |
| PMAY-Urban 2.0 Portal | Visit Here |
| Urban Application Portal | Open Here |
FAQs on PMAY 2nd Instalment 2026
How much is the PMAY 2nd instalment in 2026?
Under PMAY-Gramin, the amount varies by state. Under PMAY-Urban 2.0 BLC, the second instalment is 40% of the applicable central assistance. It comes to ₹60,000, where the central assistance is ₹1.50 lakh.
When will the PMAY-Gramin second instalment arrive?
It is released after the prescribed Foundation or Plinth Stage is completed and the required verification is carried out.
Is ₹60,000 given to all PMAY beneficiaries?
No. ₹60,000 applies to the second instalment under the applicable PMAY-U 2.0 BLC central assistance structure. It is not the fixed second instalment under PMAY-Gramin.
How can I check my PMAY second instalment status?
Visit the relevant PMAY portal and use the available beneficiary, payment or FTO tracking facility.
Why is my PMAY second instalment pending?
Delay in this payment can be due to pending geo-tagging, incomplete construction, an issue with the bank account, or administrative procedures.
Does receiving the first instalment guarantee the second payment?
No. The same would be released in phases as per the scheme norms for construction/certification.
Whom should I contact if my PMAY payment is delayed?
However, rural beneficiaries can contact their Block Development Officer or Gram Panchayat. In urban areas, they can contact their ULB/implementing agency.
Disclaimer: This article is for general information only and is not affiliated to any government department. There are rules for payments, verification, and the aids provided for PMAY. Check your payment status on the government websites regularly.
