PMAY Gramin - Pradhan Mantri Awas Yojana Gramin

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.

Here are the guidelines of the Pradhan Mantri Awas Yojana Rural/Gramin:

• Under the Pradhan Mantri Awas Yojana Rural/Gramin, the government has laid down a framework for the construction and development of demonstration houses. These guidelines are mainly centred around design, construction, rural mason training, Project Implementation Agency (PIA), documentation and much more. 

• A specific guideline is also available for Rural Mason Training (RMT). This guideline focuses on 'Skill development of Rural Masons' by imparting training, assessment and certification to rural workers and helping them secure jobs through effective training. 

• Another guideline laid down under the Pradhan Mantri Gramin Awas Yojana scheme is 'Social Audit.’ This refers to the process through which people and direct beneficiaries of the scheme monitor and evaluate the planning and execution of the scheme. The objective of this guideline is to increase public accountability and thereby increase efficiency of the government machinery. 

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 lakh per village.

• In rural areas located in the Himalayan states, 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 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.

** Visit the official website for more details

• 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 three percent.

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

• You can get a maximum subsidy amount that you can avail on EMIs is ₹38,359. 

 If you wish to check the Pradhan Mantri Awas Yojana Urban beneficiary list (PMAY List), you can follow these simple steps and get started:

• Visit the official PMAY(U) website - https://pmaymis.gov.in/

• Go To the ‘Search Beneficiary’ option and select the ‘Search by Name’ option from the drop-down options.

• Here, enter the first 3 characters of your name as mentioned in the application form and click on ‘Show’.

• You will be presented with your PMAY G details 

Under the Pradhan Mantri Awas Yojana Gramin scheme, beneficiaries are provided a subsidised interest rate of 6.5% per annum on housing loans for a term of 20 years. Senior citizen beneficiaries and beneficiaries who are differently abled also get priority access to houses on the ground floor. Sustainable and environmentally friendly housing technologies will be used for the construction. 

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 PMAY-G 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.

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

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 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:

• Log in to the official website of Pradhan Mantri Awas Yojana Gramin.

• From the menu bar on the homepage, click on the ‘Stakeholders’ option.

• Now, click on the ‘IAY/PMAYG Beneficiary’ option from the drop-down menu

• On the next page, you can check your name with or without the registration number.

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.

The Coronavirus pandemic has had an adverse impact on the economy. The construction industry has also been affected by the same, this has led to a shortfall in Pradhan Mantri Awas Yojana Rural targets. However, with the gradual opening up of industries, the targets are expected to be achieved this financial year.

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.

 PMAY Gramin News