Pradhan Mantri Awaas Yojana – Gramin

• Financial aid of ₹1,20,000 per unit for plains, and ₹1,30,000 per unit for hilly, difficult, and IAP (Integrated Action Plan) districts (including Himalayan and North-Eastern states, and Union Territories of Jammu & Kashmir).
• Eligible beneficiaries can access institutional finance (loans) of up to ₹70,000 at a reduced interest rate, 3% lower, to construct permanent residences, with a maximum subsidy limit of ₹2,00,000.
• Each house must meet a minimum size requirement of 25 square meters, with a designated area for hygienic cooking.
• In alignment with the Swachh Bharat Mission-Gramin (SBM-G), beneficiaries receive up to ₹12,000 for constructing toilets.
• Under the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) convergence, beneficiaries are offered employment as unskilled labor (Rural Mason Training) at a rate of ₹90.95 per day for 95 days.
• Through integration with the Pradhan Mantri Ujjwala Yojana, each household is entitled to one LPG connection.
• Collaborating with various government programs, PMAY-G ensures access to piped drinking water, electricity connections, clean and efficient cooking fuel, and measures for social and liquid waste treatment.
• Payments are electronically transferred directly to Aadhaar-linked bank or post office accounts. Note: Beneficiary identification relies on the “Housing Deprivation Parameters” from the Socio-Economic and Caste Census (SECC) 2011, further validated by Gram Sabhas.

Benefits include

• Financial assistance of ₹1,20,000 per unit for plains and ₹1,30,000 per unit for hilly, difficult, and IAP districts, encompassing Himalayan and North-Eastern states, and Union Territories of Jammu & Kashmir.
• Eligible beneficiaries can secure institutional finance (loans) of up to ₹70,000 at a reduced interest rate, 3% lower, for constructing permanent residences, with a maximum subsidy limit of ₹2,00,000.
• Each dwelling must adhere to a minimum size requirement of 25 square meters, with a dedicated area allocated for hygienic cooking.
• In collaboration with the Swachh Bharat Mission-Gramin (SBM-G), beneficiaries receive up to ₹12,000 for constructing toilets.
• Through convergence with the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), beneficiaries can access employment as unskilled labor (Rural Mason Training) at ₹90.95 per day for 95 days.
• Integration with the Pradhan Mantri Ujjwala Yojana ensures each household is entitled to one LPG connection.
• Collaborating with various government programs, PMAY-G facilitates access to piped drinking water, electricity connections, clean and efficient cooking fuel, and initiatives for social and liquid waste treatment.
• Payments are electronically transferred directly to Aadhaar-linked bank or post office accounts. (Note: Beneficiary identification relies on the “Housing Deprivation Parameters” from the Socio-Economic and Caste Census (SECC) 2011, further validated by Gram Sabhas.)

  Allocation of Targets

• For Scheduled Castes and Scheduled Tribes:
• 60% of the target assigned to each State/Union Territory (UT) should be earmarked for Scheduled Castes (SC) and Scheduled Tribes (ST), subject to the availability of eligible beneficiaries.
• Within the earmarked targets, the proportion of SC and ST beneficiaries is to be determined periodically by the respective States/UTs.
• States/UTs are permitted to exchange targets between SC and ST categories if there are no eligible beneficiaries from either group, certified as such.
• If all eligible SC and ST households are covered, State/UT targets would be allocated to beneficiaries from other categories included in the Permanent Wait List derived from the Socio-Economic and Caste Census (SECC) 2011.
• For Minorities:
• Additionally, where feasible, 15% of the total fund will be reserved for Minorities at the National Level for households.
• Allocation of targets for Minorities among the States/UTs will be based on the proportionate rural population of Minorities in each State/UT as per Census 2011 data.
• Minorities identified under Section 2(c) of the National Commission for Minorities Act, 1992, are eligible for benefits against Minority earmarks.
• For Persons with Disabilities (PwDs):
• In the framework of PMAY-G, households with any disabled member and no able-bodied adult member are given priority while allotting houses, through an additional deprivation score mechanism.
• States are encouraged to ensure that 3% of beneficiaries at the State Level are persons with disabilities, in line with the provisions of the Persons with Disabilities Act, 1995.
• Tie Breaker:
• In the event of a tie among households within a subgroup with the same deprivation score, priority will be determined based on the following parameters:
  i. Households with widows and next-of-kin of members of defense/paramilitary/police forces killed in action. ii. Households with a member suffering from leprosy or cancer, and People living with HIV (PLHIV).
  iii. Households with a single girl child.
  iv. Beneficiary families under the Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006 (Forest Rights Act).
  v. Transgender persons.

  Exclusions

  Step 1: Exclusion of Permanent Structures
  All households residing in dwellings with solid roofs and/or walls and households inhabiting homes with more than two rooms are initially eliminated from consideration.
  
  Step 2: Automatic Exclusion
  Among the remaining households, any meeting at least one of the 13 parameters listed below are automatically excluded:
• Possession of a motorized two/three/four-wheeler or fishing boat.
• Ownership of mechanized three/four-wheeler agricultural equipment.
• Possession of a Kisan Credit Card with a credit limit exceeding Rs.50,000.
• Presence of a government employee within the household.
• Households with non-agricultural enterprises registered with the government.
• Any member earning more than Rs.10,000 per month.
• Payment of income tax.
• Payment of professional tax.
• Ownership of a refrigerator.
• Ownership of a landline phone.
• Possession of 2.5 acres or more of irrigated land with at least one irrigation equipment.
• Possession of 5 acres or more of irrigated land for two or more crop seasons.
• Ownership of at least 7.5 acres of land or more with at least one irrigation equipment.
  

  Application Process

  Online Application
• Beneficiary Registration Manual – link
• The beneficiary registration process consists of four sections: Personal Details, Bank Account Details, Convergence Details, and Details from the Concerned Office. To successfully register or add a beneficiary, follow these steps:
• Visit the official PMAY-G website PMAY-HFA(Urban) (pmaymis.gov.in)
• Fill in the required personal details such as gender, mobile number, Aadhaar number, etc., in the designated section.
• Upload the consent form required for Aadhaar number usage.
• Click on the search button to find the beneficiary name, PMAY ID, and priority.
• Select “Select to Register”.
• The beneficiary details will be automatically generated and displayed.
• Fill in the remaining beneficiary details such as ownership type, relation, Aadhaar number, etc.
• Upload the consent form required for Aadhaar number usage on behalf of the beneficiary.
• In the next section, input the beneficiary’s account details including beneficiary name, bank account number, etc.
• If the beneficiary intends to avail a loan, select “Yes” and enter the required loan amount.
• Enter the MGNREGA job card number and Swachh Bharat Mission (SBM) number of the beneficiary in the following section.
• The details from the concerned office will be filled in the next section.
  

  Required Documents

• Aadhaar Number: A self-attested copy of the Aadhaar Card is required. If the applicant is illiterate, a consent letter must be obtained along with the applicant’s thumbprint.
• Job Card: The job card duly registered with MGNREGA is necessary.
• Bank Account Details: Both original and duplicate copies of bank account details are needed.
• Swachh Bharat Mission (SBM) Number: This number is required for verification purposes.
• Affidavit: An affidavit stating that the beneficiaries or their family members do not own a permanent structure is essential.