Context: According to surveys done in 2022, more than 80 per cent of Pradhan Mantri Awaas Yojana-Gramin beneficiaries spent over Rs 1.50 lakh to construct houses under the scheme, higher than the allocated Rs 1.20 lakh for rural areas in plains and Rs 1.30 lakh in hills,
About PMAY-G
- Background: Indira Awaas yojana (IAY) has been restructured into PMAY-G.
- Launched in: 2016.
- Type of scheme: Centrally Sponsored Scheme.
- Nodal ministry: Ministry of Rural Development.
- Budgetary allocation: 13,000-crore.
- Objective: To ensure the provision of pucca housing for all individuals who are homeless or living in dilapidated houses in rural areas except Delhi and Chandigarh by 2024, instead of the previous goal of 2022.
- Target: Construction of 2.95 crore houses by March 2024.
- Funding pattern: Shared between Central and State Governments in the ratio 60:40 in plain areas and 90: 10 for North Eastern and Himalayan States.
- Eligible Beneficiaries: All the houseless households living in zero, one, or two-room houses with kutcha walls and kutcha roofs. Criteria for Automatic/Compulsory Inclusion:
- Households without shelter
- Destitute/ living on alms
- Manual scavengers
- Primitive Tribal Groups
- Legally released bonded labourer.
- Selection of Beneficiaries: Through a three stage validation – Socio Economic Caste Census 2011, Gram Sabha, and geo-tagging.
- Benefits: Financial Assistance of ₹ 1,20,000 per unit for plain areas, and ₹ 1,30,000 per unit for hilly areas, difficult areas, and Integrated Action Plan districts.
- Can avail of institutional finance (loan) of up to ₹ 70,000 at 3% lower interest rate.
- The minimum size of the house shall be is 25 sq m including a dedicated area for hygienic cooking.
- In convergence with Swachh Bharat Mission-Gramin (SBM-G), get financial assistance of up to ₹ 12,000 for the construction of toilets.
- In convergence with MGNREGA, the beneficiary is entitled to employment as unskilled labour at ₹ 90.95 per day for 95 days.
- In convergence with Pradhan Mantri Ujjwala Yojana, one LPG connection per house is provided.
- Payments are made electronically directly to bank accounts or post office accounts that are linked to Aadhaar.
- Exclusion: Candidates that have:
- motorised two wheeler, three-wheeler, four-wheeler and agriculture equipment or fishing boat, Kisan Credit Card (KCC) with a limit greater or equal to Rs.50,000, at least one member that is employed with the government or earning more than Rs. 10,000 per month, that pays Income Tax, professional tax or owns a refrigerator or landline phone connection.
