Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana – Gramin: The government launched PMAY-G to help everyone have a proper home by 2024. It aims to provide solid houses with basic facilities to those without proper shelter. Recently, the minimum size of houses under PMAY-G was increased to 25 square meters from 20 square meters.

Aim and Objective – Pradhan Mantri Awas Yojana – Gramin

PMAY-G aims to ensure that every family in rural areas has a sturdy home with essential facilities by 2024. Our immediate goal is to reach 1.00 Crore households who are currently without proper housing or living in vulnerable structures, within three years from 2016-17 to 2018-19. We aim to empower these families to build quality homes using local materials, designs, and skilled masons. We believe that simply providing a house isn’t enough; it’s about creating a nurturing environment. That’s why we advocate for a comprehensive approach that involves collaboration among different sectors to enhance overall living conditions.

Features

The salient features of the PMAYG scheme are as follows:

In plain areas, the cost of each unit will be divided between the Central and State governments in a 60:40 ratio. This means Rs.1.20 lakh of assistance will be provided for each unit.
For the Himalayan states, northeastern states, and the Union Territory (UT) of Jammu & Kashmir, the cost-sharing ratio is 90:10, with assistance of up to Rs.1.30 lakh for each unit.
Union Territories, including Ladakh, will receive 100% financing from the Centre.
Beneficiaries will receive Rs.90.95 per day for unskilled labor from the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS).The identification of beneficiaries will be based on parameters from the Socio-Economic and Caste Census (SECC) and verified by Gram Sabhas.
Under the Swachh Bharat Mission-Gramin (SBM-G), assistance of up to Rs.12,000 will be provided for the construction of toilets, in collaboration with MGNREGS or other schemes.
Payments will go directly to bank accounts or post office accounts linked to Aadhaar, ensuring electronic transactions.

Eligibility Requirements

The following are the eligibility criteria, which include specific deprivation scores and different priority lists:

Families living in homes with either no rooms or just one or two rooms, constructed with makeshift walls and roofs.
Families where there is no adult over the age of 25 who can read and write.
Families lacking an adult male member aged between 16 and 59.
Families without any adult member aged between 16 and 59.
Families with no able-bodied members but with a member who has a disability.
Households that don’t own land and depend on irregular labor for income.
Families belonging to Scheduled Castes, Scheduled Teams, Other communities, and Minority groups.

Benefits

In plain areas, eligible beneficiaries receive financial assistance of ₹1,20,000 per unit, whereas in hilly areas, difficult areas, and certain designated districts (including Himalayan states, North-Eastern states, and Union Territories of Jammu & Kashmir), the assistance is ₹1,30,000 per unit.
Willing beneficiaries have the option to obtain institutional finance (loan) of up to ₹70,000 at an interest rate 3% lower than the market rate, specifically for constructing a permanent house.
The subsidy caps the maximum principal amount eligible at ₹2,00,000. The house must be at least 25 sq m in size, including a designated area for hygienic cooking facilities.
As part of the Swachh Bharat Mission-Gramin (SBM-G), beneficiaries can receive financial assistance of up to ₹12,000 for the construction of toilets.
Beneficiaries under the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) can work as unskilled laborers (receiving Rural Mason Training) for up to 95 days, earning a daily wage of ₹90.95.
Under the Pradhan Mantri Ujjwala Yojana, one LPG connection per household is provided.
Various government programs are converging to provide piped drinking water, electricity connections, clean and efficient cooking fuel, and treatment of social and liquid waste.
We facilitate all payments electronically, directly into bank accounts or post office accounts linked to Aadhaar for transparency and efficiency.