What is Pradhan Mantri Awas Yojana – Gramin?
Pradhan Mantri Awas Yojana – Gramin is a rural housing scheme introduced by Prime Minister Narendra Modi on 1st April 2016. It was originally launched in 1985 by the former Prime Minister Rajiv Gandhi with an aim to build houses for the Below Poverty Line (BPL).
Thus the scheme furthers the government’s vision to provide housing to all by 2022. Under this scheme, the eligible beneficiaries receive monetary assistance from the government for the construction of concrete homes that includes basic amenities like toilets and power supply.
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The scheme encompasses a huge population and aims to assist distressed citizens who are living in dilapidated houses or kutcha houses in rural areas. The government aims to provide houses to 1 crore citizens living below the poverty line in 3 years (2017 to 2019).
Eligibility criteria under PMAY-G:
The government has set certain rules to ensure the assistance and the money reaches the needy and deserving section of people. Thus the beneficiaries of the scheme will be selected based on the 2011 SECC data. The list will then be verified by the Gram Sabhas.
See Also: Benefits of the Pradhan Mantri Awas Yojana
Given below is the list of eligible groups of people who can apply for assistance under this scheme:
- Scheduled tribe and scheduled caste
- Minorities and non-SC/ST households belonging to the BPL category
- Free-bonded labourers
- Widows of defence personnel and paramilitary forces died on duty and ex-servicemen
- The family applying for the scheme must not live in a pucca house
- The applicant must fulfil the income criteria as prescribed by the scheme. The applicant must belong to the any of the mentioned category i.e. economically weaker section (EWS), Lower income group (LIG) or below poverty line (BPL).
- The annual family income of the applicant should be a maximum of 6 lakhs per annum.
- Beneficiaries can apply for a loan under this scheme provided the family applying for the loan consist of a husband, a wife and unmarried child/children.
- For loans above Rs. 6 lakh the government will charge an interest rate on the additional amount as per the market rate.
See Also: Pradhan Mantri Awas Yojana: How To Choose The Right Home Loan?
Features of the PMAY-G scheme:
Here are some of the salient features of the PMAY-G scheme:
- The scheme aims to cover 1 crore BPL households living in a kutcha house
- The minimum size of the house is specified under the scheme with provision for clean cooking fuel, power supply and toilets.
- The scheme is known to bind the following schemes together –
- Aadhaar card enrolment
- Skill India
- Make in India
- Jan Dhan Yojana
- Swachh Bharat
- The Swachh Bharat and MGNREGA are the other schemes that are related to the PMGAY scheme
- The government uses modern techniques like information communication and space technology to identify and make an accurate selection of beneficiaries.
- The beneficiaries of the PMAY-G scheme are entitled to get 90 days of wage employment under the MNREGA scheme
- The unit assistance provided under the program is Rs. 1.20 lakh for houses to be constructed in plains and Rs. 1.30 lakh for houses to be constructed in hilly states, difficult areas and Integrated Action Plan (IAP) districts
- The cost of construction of these houses will be shared by both the state and the central government in the ratio of 40:60 for plain areas and 10:90 for houses constructed in north-east and three Himalayan states.
- The houses will be built by using local materials with the help of local labourers and the authorities or the Gram Panchayats will monitor the construction quality and the design of the house.
- The beneficiaries will be selected based on house depreciation parameters in the Socio Economic and Caste Census (SECC) data which will be verified by the Gram Sabhas for the creation of the final list.
- The Gram Panchayats will give technical assistance to the beneficiaries for the construction of the house.
- The scheme in collaboration with other Government schemes, such as Swachh Bharat Mission – Gramin (SBM-G), will ensure the provision of basic amenities such as toilet, electricity, water, clean and efficient cooking fuel, treatment of social and liquid waste, etc.
How to apply for the PMAY-G scheme?
The beneficiaries do not need to apply for the scheme. The beneficiaries are chosen by the government through a verifiable process. It involves using the SECC data and preparing a list of eligible beneficiaries. In the list, the beneficiaries will be prioritized based on house depreciation parameters. Then the list will be sent to the Gram Sabhas for verification. Once the list is verified, it will be created and published by the government.
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