Graha Mantri Awas Yojana

Get detailed information on Pradhan Mantri Awaas Yojana Gramin (PMAY-G) 2024, including eligibility, benefits, subsidy, and application process.

Oct 20, 2024 - 23:40
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Graha Mantri Awas Yojana
Pradhan Mantri Awaas Yojana Gramin (PMAY-G) offers pucca homes with subsidies, focusing on rural housing for eligible beneficiaries.

1. House Size Standards for PMAY-G

  • The primary goal of PMAY-G is to provide pucca houses with basic amenities for people who do not own a house or live in kutcha houses or those that are severely damaged.
  • The minimum size of the houses under PMAY-G has been increased from 20 sq. mt. to 25 sq. mt. to ensure more space for families.

2. Official PMAY-G Details (2024)

3. PMAYG Beneficiary Registration Guide

  • Beneficiaries can refer to the PMAYG Registration Manual available for download on the official website.
  • For state-wise contact person details, visit the website for more info.
  • Download and install the PMAY-G App, available for both Android and iOS platforms for ease of access and registration.

4. Pradhan Mantri Awaas Yojana Gramin (PMAYG) Subsidy Scheme

  • Beneficiaries can avail a loan of up to Rs.70,000 from financial institutions.
  • The scheme offers an interest subsidy of 3%.
  • The maximum principal amount for subsidy is Rs.2 lakh.
  • The maximum amount of subsidy available is Rs.38,359, which is applied to the EMI payable on the loan.

5. Key Features of PMAY-G Scheme

  • The cost of constructing a house is shared in a 60:40 ratio between the Central and State Governments for plain areas, providing Rs.1.20 lakh of assistance per unit.
  • For Himalayan states, northeastern states, and Jammu & Kashmir, the cost-sharing ratio is 90:10, offering Rs.1.30 lakh of assistance.
  • 100% financing for housing units in Union Territories (including Ladakh).
  • Beneficiaries receive Rs.90.95 per day of unskilled labor wages under MGNREGS.
  • Toilet construction assistance of Rs.12,000 is provided in collaboration with the Swachh Bharat Mission-Gramin (SBM-G) and other schemes.
  • All payments are made electronically to bank or post office accounts linked to Aadhaar.

6. Eligibility Criteria for PMAY-G

  • Houseless families and those living in kutcha houses with one or two rooms are eligible.
  • Households without a literate adult over 25 years old.
  • Households with no male members aged between 16 and 59 years.
  • Households with no able-bodied members but with a disabled member.
  • Landless households that earn from casual labor.
  • Categories include Scheduled Caste (SC), Scheduled Tribe (ST), Others, and Minorities.

7. Exclusion Criteria for PMAY-G

Beneficiaries will be excluded if:

  • They own a motorized two-wheeler, three-wheeler, four-wheeler, or agriculture equipment.
  • They possess a Kisan Credit Card (KCC) with a credit limit over Rs.50,000.
  • Any member of the household is employed with the government or earns more than Rs.10,000 per month.
  • They pay income tax or professional tax, or own a refrigerator or landline phone.

8. Documents Required for PMAY-G Application

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

9. How to Apply/Register for PMAY-G

  • The application consists of four sections:
    1. Personal details (gender, mobile number, Aadhaar, etc.)
    2. Bank account details
    3. Convergence details
    4. Details from the concerned office.
  • Once the form is completed, the data will be verified, and beneficiaries can opt for a loan if needed.

10. PMAY-G Beneficiary Selection Process

  • Beneficiaries are selected based on the Socio-Economic and Caste Census (SECC) 2011 data.
  • The list is then prioritized and sent to Gram Sabhas for verification.
  • After verification, a final list is published.

11. Houses Completed Under PMAY-G (2019-2024)

The table lists state-wise data of houses completed under PMAY-G between FY 2019-20 to FY 2023-24. For example:

  • Assam: From 84,009 houses in FY 2019-20 to 14,659 houses in FY 2023-24.
  • Bihar: From 3,76,216 houses in FY 2019-20 to 30,190 houses in FY 2023-24.
  • Madhya Pradesh: From 2,72,863 houses in FY 2019-20 to 52,732 houses in FY 2023-24.

12. State-wise Contact Details of PMAY-G Officials

  • Andaman and Nicobar: Key contacts include Sumitra Devi (Accountant) and Shiv Singh Meena (State Director).
  • Andhra Pradesh: Contacts include Dr. G Lakshmisha IAS (State Director).
  • The full list of state-wise officials is available on the PMAY-G website.

13. FAQs on Pradhan Mantri Awaas Yojana Gramin (PMAYG)

  • How to check name in PMAY Gramin List?
    • You can check your name on the official PMAY website by navigating to Citizen Assessment > Track Your Assessment Status.
  • How to apply for a home loan under PMAYG?
    • Apply through the official website or visit a Common Service Center (CSC) or any listed bank.
  • How to check PMAYG application status?
    • You can check the status by entering your assessment ID or using your name, mobile number, and father's name on the official website.
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