Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) | pmayg.nic.in | iay.nic.in

Human existence necessitates the provision of housing. A home offers considerable economic and social stability and social prestige for a regular person. A home provides a significant social shift in the life of a person who does not have access to shelter, giving him an identity and allowing him to integrate into his local social environment.

The rural housing program Indira Awas Yojana was renamed under the Pradhan Mantri Awas Yojana – Gramin and approved in March 2016 to achieve the objective of housing for everyone by 2022. All houseless and families living in decrepit homes are eligible for financial help to build pucca houses under the program. Except for Delhi and Chandigarh, the program would be applied in rural regions throughout India. House costs would be split evenly between the federal government and the states.

Under the Pradhan Mantri Gramin Awas Yojana or the PMAYG, was created to alleviate rural housing shortages by providing pucca homes with basic amenities and a clean kitchen for people who live in them. The PMAYG homes are low-cost and disaster-proof. Houses built under the PMAYG program must be at least 25 square meters in size. The aid cost is split 90:10 into steep regions and 60:40 in plain areas, with 1.20 Lakh and 1.30 Lakh in hilly and straightforward areas.

Pradhan Mantri Gramin Awaas Yojana PMAY-G
Features and Benefits of Pradhan Mantri Awas Yojana Scheme

The pradhan Mantri Awas Yojana scheme is consist of the following distinguishing features:

  • In plain regions, the cost of the unit would be split 60:40 by the Central and State governments, resulting in a total aid of Rs.1.20 lakh per unit.
  • The ratio is 90:10 in Himalayan states, northeastern states, and the Union Territory (UT) of Jammu & Kashmir, with each unit receiving up to Rs.1.30 lakh in aid.
  • The Centre for Union Territories, which includes Ladakh’s UT, will provide 100 per cent funding.
  • MGNREGS provides beneficiaries with Rs.90.95 per day of unskilled work; beneficiaries are selected using SECC criteria and confirmed by Gram Sabhas.
  • Payments are sent electronically immediately to bank or post office accounts connected to Aadhaar for the building of toilets up to Rs.12,000 under the Swachh Bharat Mission of the PMAY Gramin (SBM-G) in conjunction with MGNREGS or other programs.

PMAYG Eligibility Requirements

The qualifying requirements, which include particular deprivation ratings and priority lists, are as follows:

  • Families that are homeless
  • Families with kutcha walls and kutcha roofs in homes with zero, one, or two rooms.
  • Families without a literate individual over the age of 25.
  • Families with no adult male members between the ages of 16 and 59.
  • Families were having no adult members between the ages of 16 and 59.
  • Families with just one non-disabled member and one disabled member.
  • Families that are landless and rely on casual labour for a living.
  • Minorities, Scheduled Castes, Scheduled Tribes, Others, and Scheduled Castes.

Beneficiary List for PMAY-G

The recipients of the PMAY-G program are chosen by the government using a method based on the 2011 Socio-Economic Caste Census (SECC). The following is how the beneficiaries are selected:

  • The SECC will be used to produce a list of beneficiaries;
  • these beneficiaries will then be prioritized;
  • The list will then be submitted to Gram Sabhas for verification;
  • Once confirmed, a final list will be prepared and publicized;
  • and finally, yearly lists will be created.

Factors that will exclude Beneficiaries from Pradhan Mantri Awas Yojana Gramin Scheme

  • Applicants who own a motorized two-wheeler, three-wheeler, or four-wheeler, as well as agricultural equipment or a fishing boat.
  • Candidates who hold a Kisan Credit Card (KCC) with a limit of Rs.50,000 or more.
  • A family with at most limited one member who works for the government or earns more than Rs. 10,000 per month.
  • Anyone who pays income tax, professional taxes, or has a refrigerator or a landline phone.

How to Apply/Register/Add PMAYG Beneficiary

The beneficiaries under the registration procedure are divided into four sections.
To check visit the official website.

  • Personal information 
  • Bank account details
  • Convergence information 
  • Data from the relevant office

To successfully register or add the beneficiary, follow the steps given below

  1. Visit the official website of PMAYG: pmayg.nic.in / iay.nic.in
  2. Fill in the necessary information in the personal information area (such as gender, mobile number, bank account details, Aadhaar number, etc.)
  3. Fill out the consent form to use your Aadhaar number to apply for it.
  4. Enter the beneficiary’s name, PMAY ID, and priority in the search box.
  5. Select “Select to Register” from the drop-down menu.
  6. The beneficiary information will be created and presented automatically.
  7. Fill in the remaining beneficiary information, such as ownership structure, relation, Aadhaar number, and so on.
  8. Fill up and submit the permission form to utilize the beneficiary’s Aadhaar number.
  9. Fill up the necessary areas in the following part with beneficiary account information, such as recipient name, bank account number, and so forth.
  10. Select “Yes” and enter the necessary loan amount if the recipient wishes to take out a loan.
  11. Fill in the beneficiary’s MGNREGA employment card number and Swachh Bharat Mission (SBM) number in the following section.
  12. The relevant office will fill up the following section.

Objectives of PMAY-G

By 2022, the Pradhan Mantri Awas Yojna program intends to provide a pucca house with basic facilities to all homeless families and those residing in kutcha and decrepit housing for all. From 2016-17 to 2018-19, the immediate goal is to reach Rs.1.00 crore of families living in kutcha houses or dilapidated houses. The minimum home size has been increased to 25 square meters (from 20 square meters) with a clean kitchen. In plains, unit aid has been raised from Rs.70,000 to Rs.1.20 lakh, while in hilly states, complex regions, and IAP districts, it has been raised from Rs.75,000 to Rs.1.30 lakh.

MGNREGS provides 90/95 unpaid personals to the recipient. Convergence with SBM-G, MGNREGS, or any other specific source of financing is required to utilize the support for a toilet building. Convergence for piped drinking purposes, electricity, and LPG gas connections will also be tried through various government programs. The cost of unit aid will be split 60:40 between the federal government and state governments of the plains and 90:10 in the North Eastern and Himalayan states. Ninety-five per cent of the yearly budgeted allocation under Pradhan Mantri Awas yojana is given to States/UTs for new home building under the PMAY-G. This would contain a 4% allocation for administrative costs and a 5% reserve fund for Special Projects at the central level. 

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The selection of beneficiaries is one of the essential aspects of the PMAY-G and Selecting beneficiaries using housing deprivation criteria in the Socio-Economic and Caste Census (SECC) 2011 data, which will be validated by the Gram Sabhas and rather than selecting beneficiaries from among BPL families. Household housing for all by deprivation is captured in the SECC statistics. Households without a home living in a kutcha wall or kutcha roof homes may be identified and targeted using the data. The Permanent Wait List guarantees that states have a ready list of families covered under the program in the following year (through Annual Select Lists), allowing for improved implementation planning. A National Technical Support Agency (NTSA) will be established at the national level to enhance the quality of construction.