Pradhan Mantri Gramin Awas Yojana, Housing for All by this PMAYG Scheme

Pradhan Mantri Gramin Awas Yojana is a Social Security Welfare Schemes and PMRHS is a Prime Minister’s Rural Housing Scheme, previously Indira Awas Yojana (IAY) or Indira’s Housing Scheme, is a social welfare programme, created by the Indian Government, to provide housing for the rural poor in India. A similar scheme for urban poor was launched in 2015 as Housing for All by 2022.

Indira Awas Yojana was launched in 1985 by Rajiv Gandhi, the then Prime Minister of India, as one of the major flagship programs of the Ministry of Rural Development to construct houses for BPL population in the villages. The Pradhan Mantri Awas Yojana – Gramin (PMAY-G) was introduced with the view to boost the “Housing for All” scheme. The central government came up with the vision to fulfil the ‘Housing for All’ scheme by the year 2022.

The main aim of the PMAY-G scheme is to provide pucca house with some of the basic amenities. This PM Rural Housing scheme is meant for people who do not own a house and people who live in kutcha houses or houses which are severely damaged. At present, the minimum size of the houses to be built under the PMAY-G scheme has been increased to 25 sq. mt. from 20 sq. mt.

Eligibility for PMAYG

• Should be an Indian citizen
• Any family including workers, which does not have a member between ages 15 and 59 years of age.
• Any family which has a differently abled member is also eligible to avail  benefits under Pradhan Mantri Awas Gramin Yojana
• Those who do not have a permanent job and only engage in casual labour.

Benefits: Assistance provided to the Beneficiary to the tune of Rs.1.2 Lakh in plain areas and Rs. 1.3 Lakh in Hilly Areas.

PMAYG Subsidy Scheme

Under the scheme, beneficiaries can avail a loan of up to Rs.70,000 from financial institutions.

• Interest subsidy is 3%
• The maximum principal amount for the subsidy is Rs.2 lakh
• The maximum amount of subsidy that can be availed is Rs.38,359 for the EMI payable

Features of PMAYG Scheme

The salient features of the PMAYG scheme are as follows:

• The cost of the unit will be shared in a 60:40 ratio between the Central and State governments in plain areas, i.e., Rs.1.20 lakh of assistance for each unit.
• In the Himalayan states, northeastern states, and the Union Territory (UT) of Jammu & Kashmir, the ratio is 90:10 with up to Rs.1.30 lakh of assistance for each unit.
• 100% financing from the Centre for Union Territories including the UT of Ladakh.
• Beneficiaries are provided Rs.90.95 per day of unskilled labor from MGNREGS.
•  Beneficiaries are identified using parameters from Socio-Economic and Caste Census (SECC) and verified by Gram Sabhas.
• Assistance for construction of toilets of up to Rs.12,000 to be provided under Swachh Bharat Mission-Gramin (SBM-G) in collaboration with MGNREGS or other schemes.
• Payments are made electronically directly to bank accounts or post office accounts that are linked to Aadhaar.

PMAYG Eligibility Requirements

• The following are the eligibility criteria, which include specific deprivation scores and different priority lists:
• Houseless families
• Families with houses having zero, one, or two rooms with a kutcha wall and kutcha roof.
• Households without a literate adult above 25 years of age.
• Households without an adult male member aged between 16 and 59 years of age.
• Households without any adult member between 16 and 59 years of age.
• Households without any able-bodied members and with a disabled member.
• Landless households who derive income from casual labour.
• Scheduled Caste, Scheduled Tribe, Others, and Minorities.

Documents Required to Apply for PMAYG

These are some of the documents or details required to apply for the PMAYG scheme:

• Aadhaar number
• Consent document to use Aadhaar on behalf of the beneficiary
• MGNREGA-registered beneficiary job card number
• Swachh Bharat Mission (SBM) number of the beneficiary
• Bank account details

How to Apply for PMAYG Beneficiary

There are four sections to the beneficiary registration process, which are:

• Personal details
• Bank account details
• Convergence details
• Details from the concerned office

• Visit the official website for login PMAYG.
• Fill in the details required in the personal details section (such as gender, mobile number, Aadhaar number, etc.)
• Upload the consent form required to use the Aadhaar number
• Click on the search button to find the beneficiary name, PMAY ID, and priority.
•  Click on ‘’Select to Register’’.
• The beneficiary details will be automatically generated and displayed.
• The remaining beneficiary details can now be filled in, such as ownership type, relation, Aadhaar number, etc.
• Upload the consent form required to use the Aadhaar number on behalf of the beneficiary
• In the next section, add the beneficiary account details in the required fields, such as beneficiary name, bank account number, etc.
• If the beneficiary wants to avail a loan, select ‘’Yes’’ and enter the required loan amount.
• In the next section, enter the MGNREGA job card number and Swachh Bharat Mission (SBM) number of the beneficiary
• The next section will be filled in by the concerned office