Details
Launch on 1st April 2016, Pradhan
Mantri Awaas Yojana Gramin (PMAY-G) is centre's flagship mission by the
Ministry of Rural Development (MoRD), implemented by the Ministry of Housing
and Urban Affairs (MoHUA). PMAY-G aims at providing a pucca house, with basic
amenities, to all houseless households and those households living in kutcha
and dilapidated house. PMAY-G addresses the rural housing shortage and bridges
the housing deficit in rural areas of India, contributing significantly to the
mission of "Housing for All". The minimum size of the houses under
PMAY-G is 25 sq m including a dedicated area for hygienic cooking. As of 27th
Sept 2022, 2.00 crore houses have been constructed out of the total target of
2.72 crores. The beneficiaries are identified using the Socio-Economic and
Caste Census (SECC) parameters and verified by the Gram Sabhas. The amount is
transferred directly to the Aadhaar-Linked Bank Account / Post-Office Account
of the beneficiary. PMAY-G has been extended for another two years, i.e. till
31st March 2024.
Aim and Objective:
PMAY-G aims to provide a pucca house
with basic amenities to all houseless households and households living in
kutcha and dilapidated house in rural areas by 2024. The immediate objective is
to cover 1.00 Crore households in rural areas, that are houseless or living in
kutcha / dilapidated house, in three years from 2016-17 to 2018-19 and enable
construction of quality houses by the beneficiaries using local materials,
designs and trained masons. For houses to become homes, adoption of a habitat
approach through convergence is proposed.
Benefits
- Financial Assistance of ₹ 1,20,000 per unit for plain areas; and ₹ 1,30,000 per unit for hilly areas, difficult areas, and IAP districts (Himalayan states, North-Eastern states, and Union Territories of Jammu & Kashmir).
- A willing beneficiary can avail of institutional finance (loan) of up to ₹ 70,000 at 3% lower interest rate, to build a permanent house. The maximum principal amount for which subsidy can be sought is ₹ 2,00,000.
- The minimum size of the house shall be is 25 sq m including a dedicated area for hygienic cooking.
- In convergence with Swachh Bharat Mission-Gramin (SBM-G), the beneficiaries get financial assistance of up to ₹ 12,000 for the construction of toilets.
- In convergence with MGNREGA, the beneficiary is entitled to employment as unskilled labor (Rural Mason Training) at ₹ 90.95 per day for 95 days.
- In convergence with Pradhan Mantri Ujjwala Yojana, one LPG connection per house is provided.
- Convergence with different government programmes for piped drinking water, electricity connection, clean & efficient cooking fuel, treatment of social and liquid waste, etc.
- Payments are made electronically directly to bank accounts or post office accounts that are linked to Aadhaar.
Note: Beneficiaries are identified using
the "Housing Deprivation Parameters" from the Socio-Economic and
Caste Census (SECC) 2011 (https://secc.gov.in/),
further verified by the Gram Sabhas.
Eligibility
The universe of eligible
beneficiaries under PMAY-G will include all the houseless households living in
zero, one, or two-room houses with kutcha walls and kutcha roofs (as per SECC
data, and subject to the exclusion process).
Criteria for Automatic/Compulsory
Inclusion –
1. Households
without shelter
2. Destitute/
living on alms
3. Manual
scavengers
4. Primitive
Tribal Groups
5. Legally
released bonded labourer
Prioritisation within the Universe
i.
There will be multilayered prioritization within the universe of
eligible PMAY-G beneficiaries. Priority will first be assigned on the basis of
parameters reflecting housing deprivation in each category viz., SC/ST,
Minorities, and Others.
ii.
To begin with, households will be prioritized based on houselessness
followed by the number of rooms; zero, one, and two rooms, in that order.
iii.
In a particular social category viz., SC/ST, Minorities, and Others,
households that are houseless or living in houses with a lower number of rooms
shall not be ranked below households living in houses with a higher number of
rooms.
Within the above priority groups,
households that fulfill the criteria of "compulsory inclusion", will
be further elevated. Automatically included households shall not rank lower
than other households within a priority group. Inter-se priority within the two
subgroups viz. households which are automatically included and otherwise will
be determined based on their cumulative deprivation scores.
The scores will be calculated from
the socio-economic parameters given below with each having equal weight:
i. Households
with no adult member between ages 16 to 59
ii. Female-headed
households with no adult male member between ages 16 to 59
iii. Households
with no literate adult above 25 years
iv. Households
with any disabled member and no able-bodied adult member
v. Landless
Households deriving the major part of their income from manual casual labor
vi. Households with higher
deprivation scores will be ranked higher within the subgroups.
Note: To ensure that assistance is
targeted at those who are genuinely deprived and that the selection is
objective and verifiable, the housing deprivation parameters in the SECC data
will be used for identifying households and then verified by the Gram Sabhas.
Earmarking of Targets –
For SC/ST:
60% of the target allocated to each
State/ UT should be earmarked for SC/STs, subject to the availability of
eligible beneficiaries. Within earmarked targets, the proportion of SC and ST
is to be decided from time to time by the respective States/UTs. Further, the
States/ UTs would be allowed to interchange targets between SC and ST if there
are no eligible beneficiaries from either of the category and it is certified
as such. In case all eligible SC and ST households are covered, the State/ UT
targets would be allocated to beneficiaries from the 'Other' categories
included in the Permanent Wait List drawn from SECC 2011.
For Minorities:
Further, as far as possible, 15% of
the total fund would be earmarked for Minorities at the National Level for
households. The allocation of targets for Minorities among the States/UTs will
be on the basis of the proportionate rural population of Minorities in the
respective State/UT as per Census 2011 data. Minorities notified under Section
2(c) of the National Commission for Minorities Act, 1992 are to be considered
eligible for receiving benefits against Minority earmarks.
For PwDs:
Accordingly, in the scheme of PMAY-G,
while deciding the inter-se priority among the beneficiaries who are to be
provided assistance, households with any disabled member and no able-bodied
adult member have been accorded additional deprivation score so that such
households are given priority while allotting the houses. Keeping in view the
provisions of the Persons with Disabilities Act, of 1995, the States to the
extent possible, may ensure that 3% of beneficiaries at the State Level are
from among persons with disabilities.
Tie Breaker
In case there is a tie with more than
one household within a subgroup having the same deprivation score, the
households will be ranked according to priority on the basis of the following
parameters:
i. Households
with widows and next-of-kin of members of defence/paramilitary/police forces
killed in action.
ii. Households
where a member is suffering from leprosy or cancer and People living with HIV
(PLHIV).
iii. Households
with a single girl child.
iv. Beneficiary
families of the Scheduled Tribes and Other Traditional Forest Dwellers
(Recognition of Forest Rights) Act, 2006, commonly known as the Forest Rights
Act.
v. Transgender
persons.
Exclusions
Step 1: Exclusion of pucca houses
All households living in houses with
pucca roofs and/or pucca walls and households living in houses with more than 2
rooms are filtered out.
Step 2: Automatic Exclusion
From the remaining set of households,
all households fulfilling any one of the 13 parameters listed below are
automatically excluded:-
1. Motorised
two/three/four wheeler/ fishing boat
2. Mechanised
three/four-wheeler agricultural equipment
3. Kisan
Credit Card with a credit limit of Rs.50,000 or above
4. Household
with any member as a Government employee
5. Households
with non-agricultural enterprises registered with the Government
6. Any
member of the family earning more than Rs.10,000 per month
7. Paying
income tax
8. Paying
professional tax
9. Own
a refrigerator
10. Own
a landline phone
11. Own
2.5 acres or more of irrigated land with at least one irrigation equipment
12. 5
acres or more of irrigated land for two or more crop seasons
13. Owning
at least 7.5 acres of land or more with at least one irrigation equipment
Application Process
Online
Beneficiary Registration Manual - https://pmayg.nic.in/netiayHome/Document/Document-PMAYG-Registratio-Manual.pdf
There are four sections to the
beneficiary registration process:
Personal details, Bank account
details, Convergence details, and Details from the concerned office.
To successfully register or add the
beneficiary, follow the steps given below:
Visit the official website for login
PMAY-G.
- Fill in the details required in the personal details section (such as gender, mobile number, Aadhaar number, etc.)
- Upload the consent form required to use the Aadhaar number.
- Click on the search button to find the beneficiary name, PMAY ID, and priority.
- Click on ‘'Select to Register’'.
- The beneficiary details will be automatically generated and displayed.
- The remaining beneficiary details can now be filled in, such as ownership type, relation, Aadhaar number, etc.
- Upload the consent form required to use the Aadhaar number on behalf of the beneficiary
- In the next section, add the beneficiary account details in the required fields, such as beneficiary name, bank account number, etc.
- If the beneficiary wants to avail a loan, select ‘'Yes’' and enter the required loan amount.
- In the next section, enter the MGNREGA job card number and Swachh Bharat Mission (SBM) number of the beneficiary
- The next section will be filled in by the concerned office.
Documents Required
- Aadhaar number and a self-attested copy of the Aadhaar Card (If the applicant is illiterate, then in such case a consent letter has to be obtained along with the thumbprint of the applicant)
- Job Card (duly registered with MGNREGA)
- Bank account details – both originals and duplicates.
- Swachh Bharat Mission (SBM) number.
- Affidavit stating the beneficiaries, or their family members do not own a pucca house.
Frequently Asked Questions
What assistance in convergence with
MGNREGA is provided under PMAY-G?
In convergence with MGNREGA, the
beneficiaries get employment for 95 days. The beneficiaries are paid ₹ 90.95
per day for unskilled labor.
What assistance in convergence with
SBM-G is provided under PMAY-G?
In convergence with SBM-G, the
beneficiaries get assistance for the construction of toilets of up to ₹ 12,000.
How are the beneficiaries for PMAY-G
identified?
The beneficiaries are identified
using parameters from the Socio-Economic and Caste Census (SECC) and verified
by the Gram Sabhas.
How the amount of loan or financial
assistance provided to the beneficiary?
The amount is transferred directly to
the Aadhaar-Linked Bank Account / Post-Office Account of the beneficiary.
What is the amount and the purpose of
loan provided under PMAY-G?
A loan up to ₹ 70,000/- is provided
at 3% lower interest rates) to the beneficiary to build a permanent dwelling.
Who is the Implementing Agency of
PMAY-G?
PMAY-G s being implemented by the
Ministry of Housing and Urban Affairs (MoHUA).
Sources And References
Guidelines (Hindi) CLICK HERE
Guidelines (ENGLISH) CLICK HERE
PMAY-G Dashboard CLICK HERE
Beneficiary Registration Manual CLICKHERE
