As part of the PMAY Gramin Yojana, the government aims to provide financial assistance to families residing in kutcha houses. All families who do not have ‘Pucca homes’ or live in poor conditions in the rural areas of India are eligible to apply for the Pradhan Mantri Gramin Awas Yojana.

The construction of pucca houses will include all the necessary amenities, such as clean water, power supply and sanitation. Also, the program enables the construction of houses using local materials, designs and trained masons.

The Pradhan Mantri Gramin Awas Yojana (PMAY Rural) was launched during the year 2009-2010. This scheme was earlier known as Indira Awas Yojana (IAY) and was launched by Rajiv Gandhi, the then Prime Minister of India. It was one of the major flagship programs undertaken by the Ministry of Rural Development. The program's primary objective was to ensure “Housing for All” by the year 2022. The PMAY rural scheme aims at integrated development of scheduled caste villages.

The scheme aims at integrated development of Scheduled Caste (SCs) majority villages:

• Central and State/UT Government Schemes such as Swachh Bharat Mission Gramin (SBMG) will assist up to ₹ 12,000 for construction of toilets in collaboration with Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) or other schemes.

• Engaging in activities that the existing Central and State Government Schemes does not cover by providing funds of up to ₹20 Lakhs per village.

• In rural areas of the hilly northeastern states, and the Union Territory (UT) of Jammu & Kashmir, the central government will bear 90% of the cost, and the state government will finance an amount of up to ₹1.30 lakh of assistance for each unit.

• The Central government will offer 100% financing for the construction of houses in Union Territories, including the union territory of Ladakh.

• The PMAY Gramin scheme aims to provide pucca houses to 1 crore families living in kutcha/dilapidated houses in three years from 2016-17 to 2018-19.

The following table represents the state-wise progress of the PMAY-G scheme:

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• Eligible beneficiaries of the PMAYG are eligible to get loans of up to ₹70,000 from participating financial institutions. 

• Eligible beneficiaries of the PMAYG can get a subsidy of up to 3% percent.

• The highest permissible loan amount that may be sanctioned under this subsidy is ₹2 Lakhs.

One of the essential features of PMAY Gramin is the selection of beneficiaries. This is done to ensure that financial assistance is provided to individuals who are really in need and that the selection is objective and verifiable.

Pradhan Mantri Gramin Awaas Yojana selects the beneficiary based on the Socio-Economic and Caste Census (SECC), 2011 which will be verified by the Gram Sabha.

The SECC data captures specific information related to housing among households. Using the data, households that are landless and living in kutcha houses with no proper construction can be segregated and targeted. The PMAY Gramin, Permanent Wait List, is generated to ensure that the states have the list of the households to be covered under the scheme.

• Under PMAY Gramin, beneficiaries who do not own any land are accorded the highest priority and will be kept on top of the Permanent Wait List.

• The State Govts./UT Administrations are responsible to provide land to the PMAY-G beneficiary from the government land or any other land including public land.

• PMAY RURAL beneficiaries will be reviewed regularly by the Ministry with the States/UTs, including at the highest level in the States/UTs.

• Landless beneficiaries who derive a major part of their income from manual casual labour will be sanctioned houses

Given below are the list of documents required to avail the benefits of PMAY Gramin:

• The applicant must submit a duly filled PMAY G Application form.

• Documents for proof of identity such as Aadhaar card, Voter ID, Passport etc.

• Documents for proof of address such as PAN card, Aadhar card, Electricity bill, etc.

• Ethnic group certificate

• An affidavit stating none of the applicant family members own a pucca house.

• Contract papers of construction

• NOC (No Objection Certificate) from a housing society

• Letter on nature of business

• Income Certificate is required if the income is lower than the taxable limit.

• Financial bank statement in case of business

• Bank account statement of the last six months

• A receipt of any advance payment made to the builder

• A letter mentioning the allocation of property

• IT returns

• Form 16 is required

• IT assessment order

• Plan of construction

• Certificate of cost of construction

• Official valuer’s certificate

The beneficiaries for Pradhan Mantri Awas Yojana Gramin, are selected from the list based on the Census 2011 (SECC 2011). To avail the scheme, the applicant must belong to EWS or LIG or BPL category, and the annual income of the applicant’s family should be between ₹3 Lakhs to ₹6 Lakhs.

The following are the steps to check your name in the PMAY-G list using the registration number

• Step 1: Login to the PMAY Gramin website

• Step 2: On the new page, start filling in the registration number.

• Step 3: Click on ‘Submit’ to access the list.

Steps to check your name in the PMAY-G list without the registration number

• Step 1: Visit the site and click on the ‘Advanced Search’ option to proceed.

• Step 2: A new page will appear, now enter all the required details on the page.

• Step 3: Lastly, click on the ‘Search’ button to access the Pradhan Mantri Awas Yojana Gramin list.

Over the course of this article, we have discussed the PMAY Gramin Yojana, its objectives, features, eligibility criteria, and a variety of other vital factors of which you must be aware of. Through its simple Home Loan feature, the introduction of this new plan has fulfilled the ambitions of purchasing a house for the EWS group. You may also easily apply for a Home Loan on Bajaj Markets platform. We at Bajaj Markets believe in customer satisfaction and strive to deliver a hassle-free experience.