PM Awas Yojana 2026: Eligibility, Apply Online, Status Check, Subsidy, Documents & Important Dates

PM Awas Yojana, also known as Pradhan Mantri Awas Yojana (PMAY), is a flagship housing scheme launched by the Government of India on 25th June 2015 by Prime Minister Narendra Modi. The main goal of this scheme is to provide affordable housing to all eligible families across India under the vision of “Housing for All by 2024.” The scheme has two major components: PMAY-Urban (PMAY-U) and PMAY-Gramin (PMAY-G). As of 2026, the government has extended the scheme with PMAY-U 2.0 for urban areas and PMAY-G continues for rural areas with a deadline extended to 31st March 2029.

Under this scheme, eligible beneficiaries can receive an interest subsidy of up to 6.5% on home loans, with the maximum subsidy amount reaching up to ₹2.67 lakh depending on the income category. The scheme covers Economically Weaker Sections (EWS), Lower Income Group (LIG), and Middle Income Group (MIG-I and MIG-II). Over 3 crore houses have been sanctioned across India under this scheme so far.

In this article, you will learn everything about PM Awas Yojana 2026 including eligibility criteria, how to apply online, required documents, status check process, subsidy details, beneficiary list, and answers to frequently asked questions. Whether you are looking to buy your first home, construct a house, or check your name in the PMAY list, this guide will help you understand the complete process.

Indira Awas Yojana List Bihar 2026: Eligibility, Apply Online, Status Check & Important Dates

Table of Contents

Overview of PM Awas Yojana 2026

PM Awas Yojana is one of the largest housing schemes in the world aimed at providing pucca houses to all eligible families. The scheme provides financial assistance through the Credit Linked Subsidy Scheme (CLSS) where beneficiaries get interest subsidy on home loans from banks and housing finance companies. The scheme is implemented by the Ministry of Housing and Urban Affairs (MoHUA) for urban areas and the Ministry of Rural Development for rural areas.

Scheme Name	Pradhan Mantri Awas Yojana (PMAY)
Launched By	Prime Minister Narendra Modi
Launch Date	25th June 2015
Urban Component	PMAY-U 2.0 (Latest Phase)
Rural Component	PMAY-Gramin
Implementing Ministry (Urban)	Ministry of Housing and Urban Affairs (MoHUA)
Implementing Ministry (Rural)	Ministry of Rural Development
Interest Subsidy	Up to 6.5% for EWS/LIG, 4% for MIG-I, 3% for MIG-II
Maximum Subsidy Amount	Up to ₹2.67 Lakh
Maximum Loan for Subsidy	₹6 Lakh (EWS/LIG), ₹9 Lakh (MIG-I), ₹12 Lakh (MIG-II)
Carpet Area Limit	Up to 60 sqm (EWS/LIG), 160 sqm (MIG-I), 200 sqm (MIG-II)
PMAY-U Deadline	31st December 2025 (for sanctioned houses)
PMAY-G Deadline	31st March 2029
Official Website (Urban)	pmaymis.gov.in
Official Website (Rural)	pmayg.nic.in

Eligibility Criteria of PM Awas Yojana 2026

To apply for PM Awas Yojana 2026, applicants must meet the following eligibility conditions. The criteria differ for urban and rural components, but the core requirements remain the same:

Citizenship: The applicant must be an Indian citizen.
Age Limit: The applicant must be 18 years or above at the time of application.
No Pucca House: The beneficiary family must not own a pucca house (all-weather dwelling) in their name or in the name of any family member anywhere in India.
No Prior Housing Assistance: The family must not have availed central assistance under any housing scheme from the Government of India or any State Government.
No Prior CLSS Subsidy: The family must not have availed any PMAY-CLSS subsidy from any Primary Lending Institution (PLI).
Income Category: The applicant must belong to one of the eligible income categories:
EWS (Economically Weaker Section): Annual family income up to ₹3 lakh
LIG (Lower Income Group): Annual family income between ₹3 lakh to ₹6 lakh
MIG-I (Middle Income Group I): Annual family income between ₹6 lakh to ₹12 lakh
MIG-II (Middle Income Group II): Annual family income between ₹12 lakh to ₹18 lakh
Women Ownership: For EWS and LIG categories, female ownership or co-ownership of the property is mandatory.
First-Time Homebuyer: The scheme is only for first-time homebuyers who do not own a pucca house anywhere in India.
Loan Requirement: The applicant must have taken or be willing to take a home loan from an empanelled bank or housing finance company.
Property Location: The house must be located in a statutory town as per Census 2011 for urban areas.

Benefits of PM Awas Yojana 2026

The PM Awas Yojana 2026 offers multiple benefits to eligible families looking to buy or construct their first home. Here are the detailed benefits explained under different sub-headings:

Interest Subsidy on Home Loans

EWS and LIG Category: Interest subsidy of 6.5% per annum on home loans up to ₹6 lakh for a maximum tenure of 20 years.
MIG-I Category: Interest subsidy of 4% per annum on home loans up to ₹9 lakh for a maximum tenure of 20 years.
MIG-II Category: Interest subsidy of 3% per annum on home loans up to ₹12 lakh for a maximum tenure of 20 years.
Subsidy Credited Upfront: The subsidy amount is credited upfront to the loan account, reducing the principal amount and lowering EMIs.

Affordable Housing for All

Pucca House Construction: Financial assistance for constructing a new pucca house with basic amenities.
House Purchase Support: Subsidy for purchasing ready-built affordable houses from developers.
House Extension: Support for extending existing kutcha or semi-pucca houses to pucca houses.
Slum Rehabilitation: Special provisions for rehabilitating slum dwellers in urban areas with in-situ development.

Additional Benefits

Women Empowerment: Mandatory women ownership or co-ownership promotes financial inclusion of women.
Senior Citizen and Differently-Abled Friendly: Houses are designed with ground floor preference for senior citizens and differently-abled persons.
Basic Amenities: Houses come with provisions for toilet, electricity connection, drinking water, and kitchen.
Sustainable Construction: Use of eco-friendly and sustainable building materials and technologies.

Financial Savings

Reduced EMI Burden: The interest subsidy significantly reduces the monthly EMI burden on homebuyers.
Maximum Subsidy Benefit: EWS/LIG beneficiaries can save up to ₹2.67 lakh over the loan tenure.
No Processing Fee: Most banks waive processing fees for PMAY home loans.

Application Procedure of PM Awas Yojana 2026

The application process for PM Awas Yojana 2026 can be done both online and offline. The government has made the online process simple, while offline support is available through Common Service Centres (CSCs) for those who need assistance.

Online Application Process

Follow these step-by-step instructions to apply online for PM Awas Yojana 2026:

Visit Official Website: Go to the official PMAY-Urban portal at pmaymis.gov.in or PMAY-Gramin at pmayg.nic.in.
Select Citizen Assessment: Click on “Citizen Assessment” and choose between “For Slum Dwellers” or “Benefits under other three components.”
Enter Aadhaar Details: Enter your Aadhaar number for verification. This will redirect you to the application form.
Fill Personal Details: Enter your name, contact number, address, income details, family information, and bank account details.
Select Income Category: Choose your income category (EWS, LIG, MIG-I, or MIG-II) based on your annual family income.
Upload Documents: Upload scanned copies of Aadhaar card, income proof, address proof, bank details, and other required documents.
Property Details: Enter details of the property you intend to purchase or construct.
Enter Captcha: Type the captcha code displayed on the screen.
Save and Submit: Click on “Save” and then “Submit” to complete the application.
Note Application ID: You will receive an Assessment ID via SMS on your registered mobile number. Save this for future reference.

Offline Application Process

For applicants who prefer offline mode or need assistance:

Visit Nearest CSC: Go to your nearest Common Service Centre (CSC) or local municipal office.
Meet the Operator: Contact the trained operator or VLE (Village Level Entrepreneur) at the centre.
Provide Documents: Hand over your Aadhaar card, income proof, bank passbook, and other required documents.
Form Filling: The operator will fill the application form on the PMAY portal on your behalf.
Biometric Verification: Complete Aadhaar-based biometric verification if required.
Pay Nominal Fee: Pay a nominal fee of around ₹25 plus GST for CSC services.
Get Acknowledgment: Collect the acknowledgment slip with your Assessment ID from the operator.

Important Dates of PM Awas Yojana 2026

The PM Awas Yojana 2026 has several important dates and deadlines that applicants and beneficiaries must keep in mind. The scheme timelines differ for urban and rural components.

Event	Date/Details
Scheme Launch Date	25th June 2015
PMAY-U 2.0 Launch	2021 (Extended Phase)
PMAY-U House Completion Deadline	31st December 2025
PMAY-G Registration Deadline	31st March 2029
CLSS Subsidy Availability	Subject to Budget Allocation
Online Application	Open Throughout the Year
Subsidy Disbursement	After Loan Approval and Verification
Annual Income Re-verification	As Required by Lending Institution

The PMAY-Urban component is currently in its completion phase for houses sanctioned by 31st March 2022, while PMAY-Gramin continues to accept new registrations until 2029. Applicants are advised to apply early to avoid last-minute rush and ensure timely processing of subsidies.

Documents Required to Apply for PM Awas Yojana 2026

To successfully apply for PM Awas Yojana 2026, applicants need to keep the following documents ready. Proper documentation is essential for smooth verification and approval:

Aadhaar Card: Mandatory for all applicants and co-applicants. Must be linked to an active mobile number for OTP verification.
PAN Card: Required for identity verification and income tax assessment.
Voter ID or Driving License: As additional identity and address proof.
Income Proof:
For salaried persons: Last 6 months salary slips and Form 16
For self-employed: Income Tax Returns (ITR) for last 2-3 years
For EWS/LIG: Income certificate or self-declaration affidavit
Bank Account Details: Aadhaar-linked bank account passbook or statement for receiving subsidy.
Property Documents: Sale agreement, allotment letter, or construction plan depending on the component.
Proof of No Pucca House: Self-declaration affidavit stating that no family member owns a pucca house anywhere in India.
Proof of Construction/Purchase: Agreement with builder, sanctioned plan, or construction commencement certificate.
Passport Size Photographs: Recent photographs of the applicant and co-applicants.
Caste Certificate (if applicable): For SC/ST/OBC applicants where applicable.
Minority Community Proof (if applicable): For applicants belonging to minority communities.
Marriage Certificate (if applicable): For joint applications with spouse.

Note: All documents must be self-attested. Banks and lending institutions may ask for additional documents as per their internal policies.

Status Check of PM Awas Yojana 2026

After applying for PM Awas Yojana 2026, applicants can easily check their application status online. The status check process is simple and can be done from the comfort of your home. Follow these steps:

Visit Official Portal: Open the official PMAY-Urban website pmaymis.gov.in or PMAY-Gramin website pmayg.nic.in in your browser.
Click on Track Application: Find and click on “Citizen Application” or “Track Application Status” on the homepage.
Choose Tracking Method: Select one of the two options:

By Assessment ID: Enter your Assessment ID and mobile number.
By Personal Details: Enter your name, father’s name, state, district, city, and mobile number.

Enter Details: Fill in the required information in the respective fields.
Enter Captcha: Type the captcha code displayed on the screen.
Click Submit: Click on the “Submit” button to view your application status.
View Status: The current status of your application will be displayed on the screen.

Different Status Stages:

Submitted: Application received and pending initial verification.
Under Verification: Documents and details are being verified by authorities.
Approved: Application approved, subsidy sanctioned.
Subsidy Credited: Interest subsidy has been credited to your loan account.
Rejected: Application rejected due to ineligibility or incomplete documents.

You can also check the Beneficiary Wise Funds Released status by entering your mobile number and OTP on the PMAY-U portal to see if subsidy funds have been released to your bank account.

Application Fee and Scheme Fee of PM Awas Yojana 2026

The PM Awas Yojana 2026 application process involves minimal or no direct fees from the government side. However, there are some nominal charges that applicants should be aware of:

Zero Government Registration Fee: There is no application fee charged by the Government of India for registering under PMAY.
CSC Service Charges: If applying through a Common Service Centre (CSC), a nominal service charge of approximately ₹25 plus GST is charged by the VLE for form filling and submission assistance.
Bank Processing Fee: Some banks may charge a nominal processing fee for home loan applications under PMAY, though many banks waive this fee for PMAY beneficiaries.
Legal and Valuation Charges: Applicants may need to pay property valuation charges and legal verification fees as per the bank’s policy.
Stamp Duty and Registration: Stamp duty and property registration charges are applicable as per state government rules and are not covered under the PMAY subsidy.
No Subsidy Application Fee: There is no separate fee for applying for the interest subsidy under CLSS.

Important Warning: Beware of fraudsters who may ask for money in the name of fast-track processing or guaranteed approval. The government does not charge any fee for PMAY registration or subsidy approval. Always apply through the official website or authorized CSC centres and banks only.

Latest Updates of PM Awas Yojana 2026

Here are the latest updates and news regarding PM Awas Yojana 2026:

PMAY-U 2.0 Active: The urban component is in its extended phase focusing on completing houses sanctioned by March 2022 and new registrations under PMAY-U 2.0.
PMAY-G Extended to 2029: The rural component deadline has been extended to 31st March 2029 to ensure housing for all in rural areas.
Over 3 Crore Houses Sanctioned: More than 3 crore houses have been sanctioned across urban and rural areas under the scheme so far.
CLSS Subsidy for MIG Extended: The Credit Linked Subsidy Scheme for Middle Income Group has been extended with revised guidelines.
UMANG App Integration: Beneficiaries can now track application status and subsidy details through the UMANG mobile app for PMAY-Gramin.
Aadhaar Linkage Mandatory: Aadhaar linking with bank accounts and mobile numbers has been made mandatory for all applicants to ensure transparent subsidy disbursement.
Permanent Waiting List (PWL): Gram Panchayat-wise Permanent Waiting Lists are being prepared from SECC 2011 database for rural beneficiaries.
Digital-First Approach: The government is promoting online applications and digital verification to reduce processing time and eliminate middlemen.

Selection Process of PM Awas Yojana 2026

The selection process of PM Awas Yojana 2026 involves multiple stages of verification to ensure that only genuine and eligible families receive the benefits. Here is how the selection works:

Application Submission: The applicant submits the application online or offline with all required documents and Aadhaar details.
Initial Verification: The application is verified for completeness and basic eligibility criteria such as income category, Aadhaar validity, and document authenticity.
Income Verification: The declared income is cross-checked with income certificates, ITR, salary slips, or other financial documents.
Property Verification: For those purchasing houses, the property documents are verified to ensure it meets PMAY guidelines (carpet area, location, etc.).
No Pucca House Verification: The declaration of not owning a pucca house is verified through government databases and field verification.
Bank Verification: The lending institution (bank or housing finance company) verifies the loan application, credit history, and property valuation.
Nodal Agency Approval: The subsidy application is sent to nodal agencies like NHB (National Housing Bank) or HUDCO for final approval.
Subsidy Disbursement: Once approved, the interest subsidy is credited upfront to the loan account, reducing the principal and EMI burden.

For PMAY-Gramin, the selection is based on the SECC 2011 database, Gram Sabha recommendations, and the Permanent Waiting List (PWL) prepared at the Gram Panchayat level.

Common Mistakes While Applying for PM Awas Yojana 2026

Many applicants make common mistakes during the application process which leads to delays or rejection. Avoid these errors:

Incorrect Aadhaar Details: Entering wrong Aadhaar number or using an Aadhaar not linked to the mobile number for OTP.
Wrong Income Category: Selecting an income category that does not match your actual annual family income.
Incomplete Income Proof: Failing to provide proper income documents like salary slips, ITR, or income certificates.
Multiple Applications: Submitting duplicate applications from the same family or with the same Aadhaar number.
Property Area Exceeds Limit: Selecting a property with carpet area exceeding the prescribed limit for your income category.
Not Checking Bank Empanelment: Applying for a loan from a bank that is not empanelled under the PMAY-CLSS scheme.
Missing Women Ownership: For EWS/LIG categories, failing to include a female family member as owner or co-owner of the property.
Ignoring Document Self-Attestation: Submitting documents without self-attestation leads to processing delays.
Providing False No-House Declaration: Hiding ownership of a pucca house which is easily detectable through government databases.

Reasons for Application Rejection in PM Awas Yojana 2026

Applications for PM Awas Yojana 2026 may get rejected due to the following reasons:

Already Own a Pucca House: If the applicant or any family member owns a pucca house anywhere in India.
Prior Housing Subsidy: Having availed central assistance under any other housing scheme from the Government of India or State Government.
Prior CLSS Subsidy: Having already availed PMAY-CLSS subsidy from any Primary Lending Institution.
Income Above Limit: Annual family income exceeding the upper limit of the applied category (₹18 lakh for MIG-II).
Incorrect Property Details: Property not meeting PMAY guidelines such as carpet area limits or location requirements.
Incomplete Documentation: Missing or incorrect documents during the application process.
Loan Rejection by Bank: Home loan application rejected by the lending institution due to poor credit history or insufficient income.
Duplicate Applications: Submitting multiple applications under the same name or Aadhaar number.
Non-Empanelled Bank: Applying for a loan from a bank that is not empanelled under PMAY-CLSS.
Aadhaar Not Linked: Bank account or mobile number not linked with Aadhaar for subsidy disbursement.

PM Awas Yojana Portal: How to Register and Login

The PM Awas Yojana Portal is the official online platform for all scheme-related activities for urban beneficiaries. Here is how to register and login:

How to Register on the Portal:

Visit pmaymis.gov.in for urban or pmayg.nic.in for rural.
Click on “Citizen Assessment” on the homepage.
Select the appropriate category: “For Slum Dwellers” or “Benefits under other three components.”
Enter your Aadhaar number for e-verification.
Fill the online application form with personal, income, and property details.
Upload all required documents.
Submit the form and note down your Assessment ID.

How to Login to the Portal:

Go to the official PMAY-Urban website pmaymis.gov.in.
Click on “Citizen Login” or “Track Application” on the homepage.
Enter your Assessment ID or Aadhaar number.
Enter your registered mobile number.
Complete the captcha verification.
Click on “Submit” to access your dashboard.
From the dashboard, you can check status, download application forms, and track subsidy details.

Reset and Forget Password for PM Awas Yojana Portal

If you forget your login credentials for the PMAY portal, you can recover them by following these steps:

Visit Login Page: Go to the official PMAY website and click on the login option.
Click Forgot Password: Look for “Forgot Password” or “Reset Password” link below the login fields.
Enter Assessment ID: Enter your Assessment ID or registered mobile number.
OTP Verification: An OTP will be sent to your registered mobile number. Enter this OTP.
Create New Password: After OTP verification, set a new strong password.
Confirm and Submit: Re-enter the new password and click “Submit.”
Login Again: Use your Assessment ID and new password to access your account.

Tip: Always keep your registered mobile number active. If you change your number, update it on the portal immediately. For any technical issues, contact the PMAY helpline.

Grievance Redressal Process of PM Awas Yojana 2026

The Government of India has established a proper grievance redressal mechanism for PM Awas Yojana 2026 to address complaints and issues faced by beneficiaries. If you face any problem during application, verification, subsidy disbursement, or loan processing, you can follow these steps:

Contact Your Bank: First, contact your lending bank or housing finance company for issues related to loan processing and subsidy credit.
PMAY Helpline: Call the official PMAY helpline numbers:

Ministry of Housing and Urban Affairs: 011-23063285, 011-23060484
National Housing Bank (NHB): 1800-11-3377, 1800-11-3388
HUDCO: 1800-11-6163

Email Support: Send an email to grievance-pmay@gov.in with your Assessment ID and detailed description of the issue.
Online Grievance: Visit the official PMAY portal and look for the “Grievance” or “Complaint” section to file an online complaint.
CSC Support: Visit your nearest Common Service Centre for technical assistance with the online portal.
District Office: For unresolved matters, visit your local District Urban Development Authority or municipal office.
Escalation: If your grievance is not resolved at the district level, it can be escalated to the State nodal agency and further to the Ministry of Housing and Urban Affairs.

The government aims to resolve all grievances within 30 days of filing. Keep your Assessment ID and registered mobile number handy while filing complaints.

Renewal Process of PM Awas Yojana 2026

PM Awas Yojana is primarily a one-time benefit scheme, but certain aspects require follow-up or renewal:

Annual Income Re-verification: Lending institutions may require annual income re-verification to ensure the beneficiary continues to meet the income category criteria.
Property Completion Certificate: For those constructing houses, submission of property completion certificate is required within the stipulated time frame.
Loan Account Maintenance: Beneficiaries must maintain their loan account in good standing. Defaulting on EMIs may lead to recovery of the subsidy amount.
Occupancy Certificate: Beneficiaries must obtain and submit the occupancy certificate after house construction or purchase.
No Resale Restriction: The property purchased or constructed under PMAY cannot be sold for a minimum period as specified in the scheme guidelines (usually 5 years).
CLSS Extension: If the initial CLSS subsidy period ends, beneficiaries cannot reapply for the same property but may be eligible for other government housing schemes if they meet the criteria.

Beneficiaries should regularly check the official portal for any updates and keep their documents updated to avoid any issues with subsidy disbursement.

Important Links and PDFs of PM Awas Yojana 2026

Here are the official links and important resources related to PM Awas Yojana 2026:

Resource	Link
PMAY-Urban Official Portal	pmaymis.gov.in
PMAY-Urban 2.0 Portal	pmay-urban.gov.in
PMAY-Gramin Official Portal	pmayg.nic.in
CLSS Tracker (Subsidy Status)	pmayuclap.gov.in
UMANG App	umang.gov.in
NHB Website	nhb.org.in
HUDCO Website	hudco.org.in
PMAY Guidelines PDF	Available on pmaymis.gov.in
List of Empanelled Banks	pmayuclap.gov.in/CNA-PLI-List
PMAY-Gramin Dashboard	pmayg.nic.in/netiay/PMAYGDashboard.aspx

Contact and Information of PM Awas Yojana 2026

For any queries, complaints, or information regarding PM Awas Yojana 2026, beneficiaries can use the following contact methods:

PMAY-Urban Official Website: pmaymis.gov.in
PMAY-Gramin Official Website: pmayg.nic.in
Ministry of Housing and Urban Affairs: Nirman Bhawan, New Delhi-110011
Helpline Numbers (Urban): 011-23060484, 011-23063620, 011-23063567, 011-23061827
NHB Toll-Free: 1800-11-3377, 1800-11-3388
HUDCO Toll-Free: 1800-11-6163
Email Support: grievance-pmay@gov.in, pmaymis-mhupa@gov.in
UMANG App: Download from Play Store or App Store for mobile tracking
District Urban Development Authority: Visit your local DUDA office for offline assistance
Common Service Centres (CSC): Over 3 lakh CSCs across India for application support

Frequently Asked Questions (FAQs) on PM Awas Yojana 2026

Q1. What is PM Awas Yojana 2026?
PM Awas Yojana 2026 is a government housing scheme that provides interest subsidies up to 6.5% on home loans to EWS, LIG, and MIG categories to help them buy or construct their first pucca house.

Q2. Who is eligible for PM Awas Yojana 2026?
Indian citizens aged 18+ who do not own a pucca house anywhere in India and belong to EWS (up to ₹3 lakh), LIG (₹3-6 lakh), MIG-I (₹6-12 lakh), or MIG-II (₹12-18 lakh) income categories are eligible.

Q3. How much subsidy can I get under PM Awas Yojana 2026?
EWS/LIG gets 6.5% subsidy on loans up to ₹6 lakh, MIG-I gets 4% on loans up to ₹9 lakh, and MIG-II gets 3% on loans up to ₹12 lakh. Maximum subsidy is up to ₹2.67 lakh.

Q4. How can I apply online for PM Awas Yojana 2026?
Visit pmaymis.gov.in, click on Citizen Assessment, enter your Aadhaar details, fill the application form, upload documents, and submit to get your Assessment ID.

Q5. Is there any application fee for PM Awas Yojana 2026?
No, there is no government application fee. Only a nominal CSC service charge of about ₹25 plus GST applies if you apply through a Common Service Centre.

Q6. How can I check my PM Awas Yojana application status?
Visit pmaymis.gov.in, click on Track Application Status, enter your Assessment ID or personal details, and click Submit to view your current status.

Q7. Can I apply for PM Awas Yojana if I already own a plot?
Yes, you can apply if you only own a plot and not a pucca house. The scheme allows construction on your own plot under the EWS/LIG categories.

Q8. What is the last date to apply for PM Awas Yojana 2026?
PMAY-Urban applications are open with a completion deadline of 31st December 2025 for sanctioned houses. PMAY-Gramin registrations are open until 31st March 2029.

Q9. Can I get PMAY subsidy on an under-construction property?
Yes, you can get PMAY subsidy on under-construction properties provided the builder is registered under the scheme and the property meets carpet area guidelines.

Q10. Is women ownership mandatory under PM Awas Yojana 2026?
Yes, for EWS and LIG categories, women ownership or co-ownership of the property is mandatory. This rule promotes women’s financial inclusion and empowerment.