Pradhan Mantri Gramin Awaas Yojana- Features, Requirements, Factors, Documents

The central Government of India introduced the objective to fulfil the ‘Housing for All’ scheme within 2022. To fulfil this objective, it came up with the Pradhan Mantri Gramin Awaas Yojana scheme. The primary goal of this scheme is to give a pucca house to the common people comprising some basic amenities. The PMAY-G scheme is specifically meant for people who do not own a pucca house and are still living in kutcha houses or in houses that are quite damaged. The minimum size of the pucca houses built under this scheme is 25 sq. mt. Earlier the minimum size of the house under this scheme was 20 sq. mt.

Pradhan Mantri Gramin Awaas Yojana Subsidy Scheme

Under the Pradhan Mantri Gramin Awaas Yojana scheme, the beneficiaries or recipients can gain a loan of up to Rs.70,000 from various financial institutions. Following are a few of the features of availing of a loan under the PMAY-G loan:

• Calculation of the interest subsidy is at 3%
• The subsidy of the maximum principal amount is Rs.2 lakh
• The subsidy of the maximum amount which applicants can avail is Rs.38,359 for the payable EMI payable.

Features Of PMAYG Scheme

Following are a few of the salient features of the Pradhan Mantri Gramin Awaas Yojana scheme:

• The government will split the price of each unit in a 60:40 ratio between the State and Central governments in plain areas. Thus, they will assist Rs.1.20 lakh for each unit.
• In the northeastern states, Himalayan states, and the Union Territory (UT) of Jammu & Kashmir, the amount split between the State and Central governments is 90:10. Thus, they will assist up to Rs.1.30 lakh with each unit.
• For the union territories, there will be 100% financing from the Centre. This also includes the Union Territory of Ladakh.
• The MGNREGS will provide Rs.90.95 per day to the beneficiaries of unskilled labour.
• The centre will identify the beneficiaries by using parameters from SECC (that is, Socio-Economic and Caste Census (SECC)). The Gram Sabhas will verify the parameters.
• The government will assist up to Rs.12,000 under Swachh Bharat Mission-Gramin (SBM-G) to construct toilets with MGNREGS or other additional schemes.
• They will make electronic payments to the bank accounts directly or to the post office accounts linked to the Aadhaar card numbers.

Requirements For Pradhan Mantri Gramin Awaas Yojana Scheme Eligibility

There is a fixed eligibility criterion for the Pradhan Mantri Gramin Awaas Yojana Scheme. That comprise specific deprivation scores and various other priority lists. Following are details on the eligibility criteria:

• Families that live in houses with no rooms or one or two rooms and a kutcha roof and a kutcha wall.
• Homeless families
• Families having no literate adult above the age of 25 years.
• Families having no adult male members between the age of 16 and 59 years.
• Families having no adult members between the age of 16 and 59 years.
• Families having no able-bodied members and with a handicapped or a disabled member.
• Households without any land who get an income from casual labour.
• Scheduled Tribe, Scheduled Caste, Minorities, and Others.

Factors That Exclude Beneficiaries From The Pradhan Mantri Gramin Awaas Yojana Scheme

Following are the factors that exclude Beneficiaries from the Pradhan Mantri Gramin Awaas Yojana Scheme:

• Applicants who own agricultural equipment, fishing boats or vehicles, such as two, three, or four-wheelers.
• Applicants who have a Kisan Credit Card (KCC) comprising a limit that is more than or equal to fifty thousand rupees.
• Any family with at least one family member employed with the government or a family member earning more than Rs 10,000 in a month.
• Anyone who pays a professional tax, income tax, professional tax, or who owns a landline phone connection or a refrigerator.

The Mandatory Documents To Apply For The Pradhan Mantri Gramin Awaas Yojana Scheme

Following are the mandatory documents required to apply for the Pradhan Mantri Gramin Awaas Yojana Scheme:

• Consent document to be able to use the Aadhaar Card on behalf of the applicant or the beneficiary.
• Aadhaar number.
• The number of the beneficiary job card that is registered by the MGNREGA.
• Beneficiary number of the SBM (Swachh Bharat Mission).
• Bank account information and details.

Registering A Beneficiary For The Pradhan Mantri Gramin Awaas Yojana Scheme

1. Visit the official website for PMAYG.
2. Specify the necessary details such as mobile number, gender, Aadhaar card number and so on.
3. Then, upload the consent form, which specifies that they can use the Aadhaar number.
4. Click the search button to locate the beneficiary name, priority, and PMAY ID.
5. Click ‘Select to Register’.
6. The details of the beneficiary details are automatically displayed.
7. Specify the remaining beneficiary details, such as relation, ownership type, and so on.
8. Upload the consent form, which specifies that they can use the Aadhaar number on behalf of the applicant.
9. Add the beneficiary account details in the next section, such as bank account number, beneficiary name, and so on.
10. If the applicant needs to avail of a loan, select “Yes” and specify the required amount.
11. Specify the SBM and MGNREGA job card numbers in the next section.

The concerned authorities will specify the remaining details.

Conclusion

The Pradhan Mantri Gramin Awaas Yojana Scheme, also termed the Prime Minister’s Rural Housing Scheme is a social welfare programme to provide housing facilities for the rural poor in India. We must ensure that the needy can avail this scheme.

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