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.
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 PMAY Gramin aims to build houses for all families without homes or those living in kutcha or dilapidated houses in rural areas in India. The immediate objective of the scheme is to provide pucca houses with basic facilities within three years between 2016-17 to 2018-19. Also, the program enables the construction of houses using local materials, designs and trained masons.
The scheme aims at integrated development of Scheduled Caste (SCs) majority villages:
The PMAYG funds are allocated to the states based on the majority of 75% of the rural housing shortage and 25% of poverty ratio. The housing shortage is based on the official figures published by the Registrar General of India based on the 2001 Census.
As per the 2011 budget, the funds allocated for Indira Awas Yojana (IAY) is ₹100 billion for construction of houses for Below Poverty Line (BPL) families. Under the PMGAY scheme, the beneficiaries will get financial assistance of up to ₹1.2 lakh from the government for constructing houses in rural areas and an amount of ₹12,000 for building toilets. They are also eligible to borrow an amount of ₹70,000.
To ensure that deserving families avail the benefits of the scheme in the form of housing loan interest subsidies, there are specific parameters based on which the beneficiaries are identified for the scheme. The PMGAY beneficiaries will be selected based on SECC data, which will be then verified by the Gram Sabhas. The eligibility criteria for PMAY Gramin will be based on the factors displaying housing deprivation in each category, i.e. SC/ST, Minorities and Others. Here’s a list of some of the other beneficiaries who are eligible for PMAY-G scheme:
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 household to be covered under the scheme.
Given below are the list of documents required to avail the benefits of PMAY Gramin:
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 lakh to ₹6 lakhs.
The PMAY Gramin list of beneficiaries is based on the Census 2011 (SECC 2011). Let’s have a look at the process to check your name in the PMAY Gramin list:
The following are the steps to check your name in the PMGAY list using the registration number
Steps to check your name in the PMGAY list without the registration number
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 easily apply for a Home Loan under this yojana on Bajaj Markets platform. We at Bajaj Markets believe in customer satisfaction and strive to deliver a hassle-free experience.