Pradhan Mantri Awas Yojana Gramin - PMAY-G

Pradhan Mantri Awas Yojana is a central government initiative aimed at providing affordable housing for all by the year 2022. It has two components Pradhan Mantri Awas Yojana Gramin or Rural (PMAY-G, also known as PMAY-R) and Pradhan Mantri Awas Yojana Urban (PMAY-U).

In this article, we will look at the various aspects of PMAY-G to understand the subsidies offered, eligibility criteria and the application process.

Objectives of PMAY gramin

The primary goal of the Pradhan Mantri Awas Yojana - Gramin is to build pucca houses with basic amenities such as water, sanitation and electricity for those who do not have their own homes and those who live in kutcha houses or damaged houses.

The central government has extended the rural housing scheme PMAY (Rural) for another two years till 31st March 2024 granting further financial assistance to achieve its target of building 2.95 crore low-cost homes. As of November 2021, 1.65 crore units have been completed, while another 1.3 crore houses remain to be constructed.

Subsidies under PMAY - G scheme

There are various subsidies offered under PMAY-G. These include:

  • Loans up to Rs. 70,000 from financial institution
  • Interest subsidy of 3%
  • Subsidy for the maximum principal amount is Rs. 2 lakh
  • The maximum subsidy for the payable EMI is Rs. 38,359

Pradhan Mantri Awas Yojana – Gramin: Features and benefits

The key features and benefits of this scheme are:

  • Both the central and state governments share the cost of housing units in a 60:40 ratio in plain areas offering up to Rs. 1.20 lakh funding assistance for each unit
  • The ratio of central and state cost sharing is 90:10 in the Himalayan states, North-Eastern states and Union Territories (UT) of Jammu & Kashmir with monetary aid up to Rs. 1.30 lakh for each unit
  • 100% financing provided by the centre for Union Territories including the UT of Ladakh
  • Beneficiaries get 90-95 days of employment under MGNREGA and Rs. 90.95 per day for unskilled labour
  • The Socio-Economic and Caste Census (SECC) parameters help identify PMAY - G beneficiaries, which are then verified by Gram Sabhas
  • Financial support of Rs. 12,000 for construction of toilets under Swachh Bharat Mission - Gramin (SBM-G) or other schemes
  • Based on topography, climate, culture and other housing practices, beneficiaries can choose their house design
  • Direct payments made to Aadhaar-linked bank accounts or post office accounts electronically
  • The minimum area or size of the housing units offered under this scheme increased from 20 sq.mt. to 25 sq. mt

Overview of the Pradhan Mantri Awas Yojana

Attribute

Details

Name of the scheme

Prime Minister Housing Scheme

Start date

25 June 2015

Initiated by

Prime Minister Narendra Modi

Objective

Providing permanent houses to all poor people in the country

Beneficiaries

Economically weaker sections of India (LIG, EWS, MIG 1 or 2)

Operation

Central Government

Toll-free number

011-23063285, 011-23060484

Official website

pmaymis.gov.in

Beneficiaries under PMAY-G

In order to be a PMAY-G beneficiary, priority is based on the following socio-economic factors:

  • If households have no adult members between the ages of 16 to 59 years
  • They have no literate member above 25 years
  • Families headed by a female with no adult member between 16 to 59 years of age
  • Households with a disabled member and no able-bodied adult
  • Families that own no land and earn mostly through casual labour

Pradhan Mantri Awas Yojana Gramin Eligibility Criteria

The PMAY - G eligibility criteria are based on specific deprivation scores and different priority lists. These include:

  1. 1 Applicant's family must not own any house/ property
  2. 2 Families with houses having zero, one or two rooms with a kutcha wall and kutcha roof
  3. 3 Families belonging to scheduled castes, scheduled tribes, and minority groups
  4. 4 They must not own motorised two-wheeler, three-wheeler, four-wheeler, agricultural equipment, or fishing boat
  5. 5 They should have Kisan Credit Card (KCC) limit lower than Rs. 50,000
  6. 6 No family member should be employed in government service or earn more than Rs. 10,000 per month
  7. 7 Applicants or their family members should not be income tax or professional taxpayers. The family must not own a refrigerator or have a landline phone connection
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Eligibility according to income under Pradhan Mantri Awas Yojana

Category

Interest subsidy

Maximum loan tenure

Annual income

Maximum loan amount approved for subsidy

Middle Income Group 2 (MIG 2)

3%

20 years

Rs 18 lakh

Rs 12 lakh

Middle Income Group (MIG)

4%

20 years

Rs 12 lakh

Rs 9 lakh

Low Income Group

6.50%

20 years

Rs 6 lakh

Rs 6 lakh

Economically Weaker Sections (EWS)

6.50%

20 years

Rs 3 lakh

Rs 6 lakh

Documents required for PMAY Gramin

The following documents are necessary when applying for PMAY:

Category

Documents required

For salaried candidates

  • Aadhar card, PAN card, voter ID
  • Caste certificate
  • Income certificate
  • Permanent address details
  • Bank statement for the last six months
  • Form 16/Income Tax assessment order
  • Information about the construction
  • Construction agreement information
  • Advance receipt
  • Affidavit (stating no permanent house anywhere in India)
  • - NOC from housing society or competent authority

For others

  • Identification proof (Aadhar card, voter ID, PAN card, driving license)
  • Caste certificate
  • Income certificate
  • Form 16
  • Documents required for starting a business
  • Bank statement of last six months
  • Construction plan
  • Advance payment details
  • Allotment letter of property / agreement
  • Affidavit (stating no permanent house anywhere in India)

How to apply for a PMAY-G subsidy?

Automatic selection of beneficiaries is done by the government through SECC. Even then, you can add beneficiary names or register for PMAY by following these steps:

  1. 1 Visit the official PMAY website
  2. 2 Fill in the required personal details - gender, mobile number, Aadhar number etc
  3. 3 Click the 'Search' button to find beneficiary name, PMAY ID and priority
  4. 4 Click 'Select to Register'
  5. 5 Beneficiary details will be automatically generated
  6. 6 Verify your auto-filled details and key in the remaining ones - ownership type, Aadhar number etc
  7. 7 Type in the beneficiary details - name, bank details etc
  8. 8 If you want a loan, select Yes and enter the desired loan amount
  9. 9 In the next section, enter MGNREGA job card number and Swachh Bharat Mission number
  10. 10 Submit the form. Your registration number will be displayed

Anyone who wishes to apply for PMAY-G and avail the subsidies can easily apply online and take advantage of the extension till March 2024. This government housing scheme offers plenty of benefits for those residing in the rural parts of the country.

Pradhan Mantri Awas Yojana (PMAY) offline application process

To apply offline for the Pradhan Mantri Awas Yojana (PMAY), a scheme aimed at providing affordable housing for all, follow these steps:

  1. Visit a common service centre (CSC): Go to your nearest common service centre (CSC), where you can get assistance with the PMAY application process.

  2. Fill out the application form: At the CSC, request the PMAY application form and fill in the necessary details, including personal information, income details, and housing requirements.

  3. Provide required documents: Submit essential documents, such as identity proof, income certificate, and documents that verify your housing status.

  4. Pay the nominal application fee: There is usually a small fee for applying offline through a CSC. The CSC operator will guide you on the payment process.

  5. Receive application number: After submitting your application, you will receive an application number. This number allows you to track your application status online through the official PMAY portal.

Applying offline through a CSC can be helpful if you prefer in-person guidance with the process, making it easier to access affordable housing benefits under PMAY.

Who is not eligible for Pradhan Mantri Awas Yojana

The Pradhan Mantri Awas Yojana (PMAY) aims to provide affordable housing to eligible families across India, but there are specific criteria that disqualify certain individuals or households. Here’s a list of who is not eligible for PMAY:

  1. Individuals who already own a pucca house: Families who own a pucca (permanent) house in any part of India, either in their own name or in the name of any family member, are not eligible.

  2. Higher-income households: Households with an annual income above the specified limits for various PMAY categories (Economically Weaker Section, Low Income Group, Middle Income Group) may not qualify.

  3. Beneficiaries of other housing schemes: Those who have already received assistance under any other government housing schemes are disqualified from applying for PMAY.

  4. Non-residents and NRIs without income proof: Non-residents or NRIs who cannot provide sufficient income proof are generally not considered eligible under PMAY’s guidelines.

  5. Tax payers of higher tax brackets: Individuals falling under higher income tax brackets may not be eligible for benefits under the scheme, as PMAY focuses primarily on economically weaker sections.

Understanding these exclusions can help applicants assess their eligibility for PMAY and avoid unnecessary application rejections.

How to check & download PM Awas Yojana Gramin List 2024?

To check and download the Pradhan Mantri Awas Yojana Gramin (PMAY-G) list for 2024, you can follow the below mentioned step-by-step process:

  1. 1 Visit the official PMAY-G website
  2. 2 Select "IAY/PMAYG Beneficiary" on the homepage
  3. 3 Choose the relevant option, like "Registration of Demand”
  4. 4 Enter required details, such as registration number
  5. 5 Submit the information to view the beneficiary list
  6. 6 Look for a download option on the page to download the list

If you are facing any issues, contact local Gram Panchayat or government offices for assistance. Verify details on the official PMAY-G website for the most up-to-date information.

Frequently asked questions

How can I download my Kolkata Municipal Corporation tax bill?
  • Visit the official PMAY website
  • Click on 'Data Entry'
  • 'Select 'PMAY Rural Application Login'
  • Type in your Username and Password as per the information provided by your Panchayat
  • Fill the required fields - personal details, beneficiary savings bank account number, etc and submit
Does Bajaj Finserv provide recharge services apart from water bill payment?
  • Go to PMAY website
  • Click 'Citizen Assessment'. Select 'Track your Assessment Status' from the drop-down menu
  • 'Track Application Status' page will be displayed. You can check your status with/ without your assessment ID. Fill in the required details as per your chosen option
  • Click 'Submit' to view your application status
Can I get a subsidy for an existing home loan under the PMAY rural scheme?

The PMAY subsidy can only be claimed for new home loans, not under existing home loans.

Even then if you want to apply for PMAY after taking a home loan, you must do so quickly to avail the PMAY benefits. Check with your bank or lender in this regard. Subsidy is credited only after the applicant is found eligible and the verification process is complete.

What is a PMAY ID number?

Under the PMAY, when a candidate submits an application, an ID is generated on the basis of the applicant’s category. This is the PMAY Assessment ID, which is required to track the application status.

How do I get a PMAY Assessment ID?
  • Visit the official PMAY website
  • Click 'Search Beneficiary' on the home page. Enter your Aadhar number
  • Click on the 'Show' button to generate your PMAY Assessment ID
How do I apply for rural PMAY online?

PMAY - G can be applied under two categories - Under other 3 components (EWS, MIG and LIG) and Slum dwellers. The application form has two pages - one for Aadhar details and the second page requires your personal details.

Is PMAY applicable for Gram Panchayat?

Yes. PMAY-G applies to Gram Panchayats. Individuals can contact their ward member or Gram Panchayat to get the application details. The PMAY application form available from the respective Gram Panchayats has to be filled in with proper documentation and then submitted.

How to get a home loan in rural area under Pradhan Mantri Awaas Yojana Gramin (PMAYG) Scheme?

To obtain a home loan in a rural area under the Pradhan Mantri Awaas Yojana Gramin (PMAYG) scheme, follow these steps:

  1. Check eligibility based on income, family size, and housing status
  2. Confirm beneficiary identification by local authorities
  3. Visit a Common Service Centre (CSC) or Panchayat office
  4. Submit the home loan application with clear mention of PMAYG eligibility
  5. Undergo verification by the financial institution, including a possible field visit
  6. Upon approval, the financial institution sanctions the loan amount
  7. Calculate the applicable interest subsidy based on the loan amount and income category
  8. Disbursement of the loan amount for house construction or improvement
  9. Use the subsidy amount credited to the loan account to reduce the overall burden
  10. Make regular repayments according to agreed terms with the financial institution
  11. Stay informed about PMAYG guidelines and consult local authorities or the financial institution for assistance if needed

Note: The loan application process may vary by financial institution, and it is crucial to refer to the official PMAYG guidelines for updated information.

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