Pradhan Mantri Awas Yojana, Gramin

Launched on April 1, 2016, the Pradhan Mantri Awaas Yojana Gramin (PMAY-G) is a flagship mission of the Ministry of Rural Development (MoRD), implemented by the Ministry of Housing and Urban Affairs (MoHUA). The scheme aims to provide pucca houses with basic amenities to houseless families and those living in kutcha or dilapidated homes. PMAY-G helps address the housing shortage in rural India and supports the “Housing for All” mission. Beneficiaries are selected using the Socio-Economic and Caste Census (SECC) data, and the funds are transferred directly to their Aadhaar-linked bank or post-office accounts. The scheme has been extended until March 31, 2024.

It is very important for UPSC aspirants to stay updated with the government policies for UPSC civil service exam as the exam focuses on questions from current and dynamic topics, which involves government policies for welfare of the society, this article will help you with understanding the PMAY-G.

PMAY G Subsidy Scheme

Under the PM Awas Gramin scheme, beneficiaries can get a loan of up to ₹70,000 from financial institutions with a 3% interest subsidy. The maximum subsidy on the principal amount is ₹2 lakh, and the highest subsidy for EMI payments is ₹38,359.

PMAY Gramin Aim and Objective

PMAY G aims to provide pucca houses with basic amenities to all houseless families and those living in kutcha or dilapidated homes in rural areas by 2024. The immediate goal is to cover 1 crore rural households that are houseless or live in poor-quality homes from 2016-17 to 2018-19. The scheme also focuses on building quality houses using local materials, designs, and trained masons

Pradhan Mantri Awas Yojna Gramin Benefits:

House Standards for Pradhan Mantri Awas Yojna

The PMAY-G scheme provides pucca houses with basic amenities to people who don’t own a house or live in kutcha or damaged homes. The minimum size of the houses has been increased to 25 sq. meters, up from 20 sq. meters.

PMAY Gramin Eligibility Requirements:

PMAY G Funding Pattern

• Under PMAY, the cost of unit assistance is to be shared between Central and State Governments in the ratio 60:40 in plain areas and 90:10 for North Eastern and hilly states.
• The unit assistance given to beneficiaries under the program is Rs 1,20,000 in plain areas and to Rs 1,30,000 in hilly states/difficult areas /Integrated Action Plan (IAP) for Selected Tribal and Backward Districts. Presently the NE States, States of HP, J&K and Uttarakhand and all 82 LWE districts are identified as difficult and hilly areas.
• The unit size is 25 sq.m including a dedicated area for hygienic cooking.
• The beneficiary is entitled to 90 days of unskilled labor from MGNREGA.
• The beneficiary would be facilitated to avail loan of up to Rs.70,000/- for construction of the house which is optional.
• Funds will be transferred electronically directly to the account of the beneficiary.

PMAY Gramin Houses completion from 2019 to 2023-24

PMAY-G Target Group

Identification of beneficiaries eligible for assistance and their prioritization to be done using information from Socio Economic and Caste Census (SECC) ensuring total transparency and objectivity. The eligibility for the Pradhan Mantri Aawas Yojana (Gramin) is Homeless and Families with Kutcha Houses, Deprived Categories, Landless and Unemployed, Not Availing Benefits of Other Government Schemes, and Other Special Categories like Persons with disabilities, senior citizens, and widows are also eligible for this scheme.

PMAY G UPSC Relevance

The Pradhan Mantri Aawas Yojana (Gramin) (PMAY-G) is a significant topic for UPSC Civil Service Examination Prelims and Also Mains Exam. In the Mains Examination, PMAY-G Scheme will be asked in General Studies Paper-2. Simultaneously,  Government Schemes is important for UPSC Examination.

• GS 2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation.

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