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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.

History of PMAY-G

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.

Features of Pradhan Mantri Gramin Awas Yojana Scheme

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.

Pradhan Mantri Awas Yojana Gramin State List 2024

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

State/UT 

MoRD Targets

Sanctioned Houses

Completed

Houses

Houses under construction 

Arunachal Pradesh

36,241

36,236

18,852

17,384

Assam

19,10,997

19,09,795

15,41,318

3,68,477

Bihar

37,03,355

37,02,837

36,14,354

88,483

Chhattisgarh

11,76,146

11,76,146

8,66,019

3,10,127

Goa

257

257

180

77

Gujarat

6,07,515

6,06,677

4,23,942

1,82,735

Haryana

29,441

29,441

26,284

3,157

Himachal Pradesh

15,457

15,457

14,351

1,106

Jammu & Kashmir

3,42,575

3,39,272

1,66,475

1,72,797

Jharkhand

15,92,553

15,92,494

15,35,499

56,995

Kerala

35,189

35,187

30,808

4,379

Madhya Pradesh

38,02,248

38,02,101

35,88,394

2,13,707

Maharashtra

14,02,333

13,96,305

11,68,901

2,27,404

Manipur

1,04,897

62,010

28,908

33,102

Meghalaya

1,88,533

1,88,529

37,597

1,50,932

Mizoram

29,967

29,967

7,213

22,754

Nagaland

49,062

49,058

7,872

41,186

Odisha

27,48,459

27,42,203

17,21,878

10,20,325

Punjab

40,326

40,326

34,659

5,667

Rajasthan

17,19,638

17,19,182

16,69,425

49,757

Sikkim

1,409

1,409

1,171

238

Tamil Nadu

7,83,488

7,78,453

5,44,320

2,34,133

Tripura

3,77,533

3,77,502

2,32,580

1,44,922

Uttar Pradesh

36,15,149

35,47,263

32,47,055

3,00,208

Uttarakhand

46,792

46,783

33,146

13,637

West Bengal

45,70,082

45,70,072

34,05,290

11,64,782

Andaman and Nicobar Islands

3,429

3,429

1,223

2,206

Dadra & Nagar Haveli & Daman & Diu

12,279

11,738

3,716

8,022

Lakshadweep

45

45

45

0

Andhra Pradesh

2,46,435

2,46,430

54,437

1,91,993

Karnataka

3,05,129

2,42,495

1,19,599

1,22,896

Ladakh

3,041

3,041

1,434

1,607

Total

2,95,00,000

2,93,02,140

2,41,46,945

51,55,195

** Visit the official website for more details

PMAY-G 2024 Subsidy Scheme

  • 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.

Steps to Check PMAY G Beneficiary List @ rhreporting.nic.in

You can check the Pradhan Mantri Awas Yojana beneficiary list (PMAY list) with or without your registration number in just a few easy steps.

With your registration number:

 

Without your registration number: 

  • Visit the https://rhreporting.nic.in/netiay/Benificiary.aspx link. 

  • On the ‘Search Beneficiary Details’ page, click on the ‘Advance Search’ option. 

  • Select state, block, district, panchayat, scheme name, and financial year.

  • Fill-in the required details like your name, sanction order, BPL number, account number, and your father/husband’s name. 

  • Click on ‘Search’ to review the PMAYG beneficiary list.

Read More

How to Apply for a Housing Unit?

Here’s how you can apply for a housing unit through the PMAY Gramin scheme, there are four sections to the beneficiary registration process. They are as follows:

  • Personal details

  • Bank account details

  • Convergence details

  • Details from the concerned office

 

You can follow these simple steps to register yourself as a beneficiary and apply for a housing unit:   

  • Visit the official PMAYG website and login.

  • Fill in all the required details 

  • Upload the consent form to link your Aadhaar number

  • Click on the search button to find the relevant PMAY ID, beneficiary name, and priority.

  • Click on ‘'Select to Register’'.

  • The beneficiary details will then be generated.

  • The remaining beneficiary (if any) details can be added now. Just fill in all the required fields. 

  • Upload the consent form that is required to link the Aadhaar number on behalf of your beneficiary. 

  • Add the beneficiary account details in all the required fields

  • If the beneficiary wishes to avail a loan, select 'Yes’ and enter the required loan amount

  • Proceed to the next section, enter the Swachh Bharat Mission (SBM) number  and  MGNREGA job card number of the beneficiary

  • The section after this will be filled in by the concerned office

Read More

Identification of Beneficiaries under PMAY-G

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.

Beneficiary List for PMAY RURAL

  • 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

Pradhan Mantri Gramin Awas Yojana Eligibility Criteria

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 PMAY-G beneficiaries will be selected based on SECC data, which will be then verified by the Gram Sabhas. 

  • Freed bonded labourers are eligible for PMAY Gramin.

  • Family members that include a husband, wife and child/children that are unmarried

  • Families that don't own houses or live in kutcha houses with a kutcha wall and roof are eligible.

  • Families that do not have a literate adult above 25 years of age

  • Households with an adult male member can avail the scheme.

  • Households with the absence of an adult member aged between 16 and 59 years can avail the scheme.

  • The applicant and his family must fit in the set income criteria and has to belong to either the EWS (Economically Weaker Section), LIG (Lower Income Group), or BPL (Below Poverty Line) category to be eligible.

  • The income of the applicant and his/her family members should be between ₹ 3 lakh and ₹ 6 lakh p.a.

  • Applicants who do not own land and are earning income from casual labour are eligible for the scheme.

  • Widows and next-of-kin to defence personnel/paramilitary forces as well as ex-servicemen are eligible for the scheme.

Read More

Documents Required for PMAY Gramin

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

How to Apply for PMAY-G

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.

Using 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.

 

Without Using Registration Number

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.

 

Conclusion

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.

PMAY Gramin FAQs

Can I avail a loan for the PMAY Gramin unit?

Yes, eligible beneficiaries can avail loans under the PMAY Gramin scheme.

What is the minimum size of units under the PMAY Gramin scheme?

The minimum size of houses constructed under the mission under each component should conform to the standards provided in National Building Code (NBC).

How many houses have been sanctioned under PMAY G?

As of 07 Dec, 2022, 2.49 crore houses have been sanctioned to beneficiaries by various states and union territories.

How many houses have been completed under PMAY G?

Around 2.10 crore have been constructed under the PMAY G scheme. 

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