Pradhan Mantri Awaas Yojana-Gramin(PMAY-G)

Housing is universally recognised as a basic human need. Reducing rural housing shortage and improving the quality of housing especially for the poor is an important component of the poverty alleviation strategy of the government. The rural housing scheme Indira Awaas Yojana (IAY) implemented by Ministry of Rural Development, aimed at providing houses to families below the poverty line (BPL) in rural areas has since inception provided assistance for construction of 360 lakh houses(3.6crore), incurring a total expenditure of 1,06,789.93 crore by March, 2016.

In the context of Government’s priority for “Housing for All” by 2022, the rural housing scheme IAY has been restructured to Pradhan Mantri Awaas Yojana-Gramin (PMAY-G), which came into effect from 2016-17.PMAY-G is applicable throughout the india except delhi and chandigarh.

The main features of the scheme of PMAY-G include: 

a) providing assistance for construction of 1.00 crore houses in rural areas over the period of 3 years from 2016-17 to 2018-19;

Financing:- 

b) enhancement of unit assistance from 70,000 to 1.20 lakh in plain and from 75,000 to 1.30 lakh in hilly states, difficult areas and IAP(integrated Action Plan what is IAP? http://www.nrega.nic.in/netnrega/forum/iapdistricts.aspx) districts; 

- Finance will be born by the NABARD upto 6,00,000 rupees with an interest of 6.5%(subsidised),which will be born without the collateral.

c) PMAY-G will have the beneficiaries mainly from EWS(economic Weaker Sections) and LIG(Low Income groups).

Conditions:-

i) EWS, who have the income less the 3lakh rupees per anum, shall have the area of house upto 30 sq.m

ii) LIG, who have the income less than the 6lakh rupees per anum, shall have the  area of the house upto 60 sq.m

How to Identify the beneficiary:-

- Identification of beneficiaries based on the Socio-Economic and Caste Census (SECC 2011) data covering households that are houseless or living in houses with kutcha walls and kutcha roof with two rooms or less after excluding households falling under the automatic exclusion category; and 

- Gram Panchayat also will be consulted before adding the beneficiary. 

Special Features of PMAY-G:-

d) in addition, the beneficiary will get 12,000/- as assistance for construction of toilet under Swachh Bharat Mission or any other dedicated source of funding including Swachh Bharat Kosh and Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) and support of 90 person days in plain areas and 95 person days in hilly states, difficult areas and IAP districts under MGNREGS through convergence.

e) PMAY App is also created for  knowing the status of the housing construction, funding and other details.

Budgetary Provisions:-

Present Budget has allocated 23,000 crore rupees for the PMAY-G and additional 6,000 crore rupees for the PMAY-U.