Launched on April 1, 2016, the Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) is a flagship mission under the Ministry of Rural Development (MoRD) in collaboration with the Ministry of Housing and Urban Affairs (MoHUA). This scheme aims to provide a pucca house with basic amenities to all houseless households and those living in kutcha or dilapidated houses in rural areas. The program aligns with the Government of India’s “Housing for All” mission.
Objectives of PMAY-G
- Address the rural housing shortage in India.
- Provide a pucca house of at least 25 sq. meters, including a dedicated cooking area.
- Empower rural families through convergence with other welfare schemes such as Swachh Bharat Mission, MGNREGA, and Pradhan Mantri Ujjwala Yojana.
- Ensure direct and transparent financial transfers to beneficiaries’ Aadhaar-linked bank accounts.
Benefits of PMAY-G
- Financial Assistance:
- ₹1.20 lakh per house for plain areas.
- ₹1.30 lakh per house for hilly, difficult areas, and IAP districts.
- Subsidized Loans:
- Beneficiaries can avail of institutional loans of up to ₹70,000 at a 3% lower interest rate.
- Toilets:
- Financial assistance of ₹12,000 under Swachh Bharat Mission – Gramin (SBM-G).
- Employment:
- Beneficiaries receive 95 days of unskilled labor under MGNREGA, paid at ₹90.95 per day.
- Additional Facilities:
- LPG connection under Pradhan Mantri Ujjwala Yojana.
- Piped drinking water, electricity, and waste treatment through convergence with other programs.
Eligibility Criteria
Automatic Inclusion:
- Houseless households.
- Destitute households living on alms.
- Manual scavengers.
- Primitive tribal groups.
- Legally released bonded laborers.
Prioritization:
- Households with no shelter or kutcha walls and roofs.
- Families with zero, one, or two-room houses.
- Households with higher deprivation scores based on:
- Female-headed families without adult male members (16–59 years).
- No literate adults over 25 years.
- Families with disabled members and no able-bodied adults.
- Landless households relying on manual labor.
Exclusions:
- Households with pucca houses.
- Families owning vehicles, irrigation equipment, or earning above ₹10,000/month.
- Government employees, income tax payers, or owners of refrigerators, landline phones, or extensive agricultural land.
Application Process
Online Registration:
- Visit the official PMAY-G portal: PMAY-G Dashboard.
- Fill in personal details: Aadhaar number, gender, and mobile number.
- Upload the Aadhaar consent form.
- Verify and confirm the beneficiary details.
- Provide bank account details and select loan preferences.
- Submit MGNREGA job card and Swachh Bharat Mission number.
- Submit the completed form for processing by the concerned office.
Documents Required:
- Aadhaar card (self-attested copy or thumbprint consent for illiterate applicants).
- Bank account details.
- MGNREGA job card.
- Swachh Bharat Mission number.
- Affidavit stating no ownership of pucca houses.
Earmarking of Targets
- SC/ST Categories:
- 60% of the target is earmarked for Scheduled Castes (SC) and Scheduled Tribes (ST), subject to availability.
- Minorities:
- 15% of the total fund is reserved for minorities based on the rural population proportion.
- Persons with Disabilities (PwDs):
- 3% of beneficiaries are prioritized for households with disabled members.
Frequently Asked Questions (FAQs)
General Queries:
- Who identifies the beneficiaries under PMAY-G?
Beneficiaries are identified using the Socio-Economic and Caste Census (SECC) 2011 and verified by Gram Sabhas. - What is the minimum house size under PMAY-G?
The minimum house size is 25 sq. meters, including a hygienic cooking area. - What assistance is provided in convergence with MGNREGA?
Beneficiaries receive 95 days of unskilled labor paid at ₹90.95/day. - How much financial assistance is provided for toilets?
₹12,000 is provided for toilet construction under Swachh Bharat Mission-Gramin (SBM-G).
Loan and Financial Queries:
- What is the loan amount and interest subsidy?
Beneficiaries can avail of loans up to ₹70,000 at 3% lower interest rates. - How are payments disbursed?
Payments are made electronically to Aadhaar-linked bank/post office accounts.
Key References
- Beneficiary Registration Manual: PMAY-G Registration Guide
- Guidelines: PMAY-G Guidelines (English).