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Pradhan Mantri Gramin Awaas Yojana is a flagship program of the Central Government in its mission to provide affordable housing for all. It is addressed at the rural poor, while a similar programme has also been launched to extend benefits to the urban poor. It is a successor of the Indira Awaas Yojana; a similar welfare measure initiated by the Government in force back in the year 1985, and is regarded as one of the most extensive social schemes.

Also referred to as the Pradhan Mantri Awaas Yojana Gramin, this social welfare scheme is intended to provide financial assistance to people from the economically marginalised section to have access to the housing infrastructure providers. All beneficiaries of this scheme will have not only permanent housing by 2022 but also additional amenities like electricity, LPG and road connectivity.

A 25-square metres pucca (permanent) house will be built, and the accompanying comforts will be provided under this ambitious ‘Housing for All’ programme by 2022. In 2019, this scheme was reviewed by the Minister for Rural Development, and the latest studies show that the Pradhan Mantri Gramin Awaas Yojana has achieved a significant proportion of its target.

Features of PMAY Gramin scheme

Following features are the main highlights of this ambitious welfare plan.

  • The total costs incurred when providing housing benefits to the rural poor will be distributed between the Central and State Governments. Currently, the ratio is set at 60:40, of which the last figure is each respective state’s contribution. For all non-hilly states, total contribution will be Rs 1.20 Lakh.
  •  In hilly states, especially the Northern States, contribution levels have a ratio of 90:10, of which the Central Government provides 90% of the funding. The Union Territory of Jammu and Kashmir also accords the same provisions. For these states, the total sum which will be made available is Rs 1.30 Lakh. This sum will be used to construct permanent housing.
  • All other Union Territories will have 100% funding from the Central Government. There is no breakup of the total costs incurred.
  • The PMAY Gramin scheme will replace all existing non-permanent housing units and will dramatically improve the rural poor’s living conditions.
  • Targets have been set to ensure there is no delay in the dwellings’ deliveries. By March 2022, a total of 2.95 crore permanent houses are expected to be constructed. For the Financial Years 2016-17 to 2018-19, the first leg’s target was 1 crore houses. The second leg has to cover 1.95 Crore. Its timeline has been set between FY 2019-20 to 2021-22.
  • There will also be extra financial assistance of Rs. 12,000 per beneficiary for constructing permanent toilets to accompany each house. This additional assistance will be covered under the Swachh Bharat Mission-Gramin or SBM-G. It will ensure that maximum rural inhabitants have access to hygienic living conditions. Incidentally, this uplifting for access to sanitised living conditions is also a flagship programme of the Government.
  • All beneficiaries of this scheme will also receive Rs 90.95 per day of unskilled labour under the auspices of the MGNREGS.
  • The beneficiaries will be determined based on their social indicators as determined by the Socio-Economic and Caste Census or SECC. The respective gram sabhas will then determine data verification and will pass that information to the administration.
  • The Pradhan Mantri Awas Yojana Gramin is designed to be completely transparent. All payments will be transferred directly to the bank accounts of beneficiaries, and Aadhaar data will also be verified to ensure that payments are received only by those who need it.

Further, the prime benefits of Pradhan Mantri Gramin Awaas Yojana include the following.

  • All beneficiaries of Pradhan Mantri Gramin Awaas Yojana can avail loans of up to Rs. 70,000 from pre-determined financial institutions. This sum will then be used to build a permanent dwelling.
  • There are some benefits available when repaying this amount. For one, interest rates will be lower by 3% when compared to ordinary, non-subsidised loans.
  • The maximum principal amount for which subsidy can be sought is Rs. 2 Lakh.
  • Added benefits like LPG connections covered under the Ujjwala Yojana and other essential facilities also exist.
  • Houses constructed in hilly terrains will have increased financial assistance.

Who is Eligible to Avail Subsidy under PMAY G?

The following categories of people are eligible to obtain the benefits of this scheme.

  • All landless or houseless families.
  • All families who have either one or two-roomed non-permanent (kaccha) housing. Also, a house’s walls and roofs must not be made of concrete.
  • Any household which does not have a literate male member above 25 years of age.
  • Any family which does not have a member between ages 15 and 59 years of age.
  • Any family which has a disabled member is also eligible to avail benefits under Pradhan Mantri Awas Gramin Yojana.
  • Those who do not have a permanent job and only engage in casual labour.
  • People from the minorities section as well as Scheduled Tribes and Castes are also included in this scheme.

Along with the eligibility criteria, the scheme also lays down conditions whereby individuals or families are excluded from its benefits.

The following categories of people are exempted from availing benefits of Pradhan Mantri Gramin Awas Yojana.

  1. Anyone who owns a motorised two, three or four-wheeler, a fishing boat or any agricultural equipment will not be eligible to receive any benefits under PMGAY.
  2. If anyone possesses a Kisan Credit Card with a credit limit of Rs 50,000, he or she will not be allowed to avail of any benefits.
  3. Any family which has at least one member working for the Government or earning more than Rs 10,000 each month while being gainfully employed will not qualify for this scheme.
  4. Any family with at least one member who pays income tax or professional tax is also excluded from this scheme’s purview.

How to Register or Add a Beneficiary to the PMAY G Database?

Here are the steps to be followed when adding a new beneficiary to this scheme. It is applicable only when a beneficiary is already qualified but has not yet been added to the database.

  1. Log in to the official website of the PMGAY.
  2. All the personal detail columns have to be filled in, which consists of gender, Aadhaar number, mobile number and other details.
  3. The consent letter mentioned earlier for using the Aadhaar data has to be uploaded in its entirety.
  4. A ‘search’ button will now appear. Clicking on it will divulge details on a beneficiary and if the case has ‘priority’.
  5. Next, click on ‘Register’.
  6. Automatically, the beneficiary’s details will appear. Ensure that the information provided is accurate and updated.
  7. Remaining fields including Aadhaar details, details of nomination, bank account, etc. have to be filled.
  8. With the completion of this data entry process, if a beneficiary wishes to avail a loan under this scheme, he or she can click on ‘Yes’ and fill in an amount required as loan.
  9. Finally, SBM and MGNREGS details have to be uploaded.

With the completion of these steps, the assigned authority will process the request to add a beneficiary.

Documents Required to Apply for PMAY-G

The documents which are essential to obtain benefits of this housing scheme are as follows.

  • Applicant’s Aadhaar number and a self-attested copy of his/her Aadhaar Card too. If a beneficiary is illiterate, a consent letter has to be obtained along with the beneficiary’s thumb-print.
  • A job beneficiary card duly registered with MGNREGA.
  • Bank account details – both originals and duplicates.
  • The applicant’s Swachh Bharat Mission (SBM) number.

Where to Check the List of Final Beneficiaries?

The Government uses the SECC data to collect information about who should receive benefits and who remain to avail them. Based on these data available, the State Governments decide on prioritising beneficiaries.

The Gram Sabhas are also consulted. A final list is then published on. Other details pertinent to Pradhan Mantri Gramin Awaas Yojana are also updated continuously.

Now, take a look at the effectiveness of this scheme implemented so far.

Best and Worst Performing States in PMAY G Implementation

Based on historical data, the following are the best and worst-performing states along with house completions under this scheme.

  • Best performing states
Name of the State2017-182018-192019-2020
Bihar312763715571250028
Maharashtra18793223019847585
Rajasthan33755733589270424
Uttar Pradesh818710429915118852
  • Worst performing states
Sikkim56386329
Mizoram1631`99111

(Note: All data are based on reports published on January 1, 2020)

Latest Developments on Pradhan Mantri Gramin Awaas Yojana

According to the latest reports, targets set for FY 2020-end may be missed. In the Annual Budget of 2020, the Finance Minister had said that this scheme had sufficient funds released. Independent studies show that some states have missed their completion deadline, which is one among various reasons why the overall deadline may have to be postponed.

The Central Government has also approved the initiation of an all-new Mason Training Initiative, which is likely to accelerate scheme implementation.

FAQs – 

  • How can I avail the interest subsidy benefit under this scheme?

Under the PMAY-G scheme, the subsidies are drawn from the National Housing Bank. It will be credited to the bank account linked to your beneficiary number.

  • Is there any limit on the tenure for which this scheme is available?

Yes. The scheme can be availed for a maximum duration of 20 years.

  • Do I have to consult with my local Gram Sabha to get an approval for this scheme?

It depends on whether your town/village has a Gram Sabha. If it does, you will have to consult it. Else, all due diligence will be completed by a concerned bank.

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