Pradhan Mantri Awas Yojana Gramin (PMAYG) 2023 - Online Apply, List, & Check

Pradhan Mantri Awas Yojana Gramin - A Primer

Pradhan Mantri Awas Yojana Gramin - Objectives of the Scheme

**Pradhan Mantri Gramin Awas Yojana **- Features

• The unit assistance cost under PMGAY is shared between the state and central government. While the state government provides 40% of the funds, the central government provides 60%. However, this is for plain areas. For hilly states, the central government gives 90%, and the state government gives 10%. It is worth noting that the maximum contribution is capped at INR 1.20 lakh for all non-hilly states and INR 1.30 lakh for all hilly states, including Jammu and Kashmir.
• To ensure free and fair beneficiary selection, PMGAY does not select beneficiaries from BPL households but according to various housing deprivation parameters stated in the SECC (Socio Economic and Caste Census) 2011. Also, all beneficiaries are approved by their respective Gram Sabhas.
• The minimum size of houses constructed under the PM Gramin Awas Yojana will be 25 square meters. The houses will have all amenities like toilets, kitchens, power supply, etc.
• Union territories receive 100% funding for PMGAY from the central government.
• Local, indigenous construction materials are given more preference.
• Those enrolling in the PMGAY scheme will also get INR 12,000 to construct a permanent toilet in each house. This assistance is provided under the SBM-G (Swachh Bharat Mission - Gramin) scheme.
• Those enrolling in the PMGAY scheme will also get 90-95 days of unskilled labor income from the MGNREGS (Mahatma Gandhi National Rural Employment Guarantee Scheme). Such beneficiaries can earn up to INR 18,000 by participating in the MGNREGA employment scheme.
• Those enrolling for the PMGAY scheme will receive technical assistance for constructing the house.
• The PM Gramin Awas Yojana implementation is carried out through the Awaas App and AwaasSoft. AwaasSoft is an electronic service delivery platform that simplifies everything from beneficiary identification to construction-linked financial assistance. The Awaas App monitors the house construction progress. Also, Awaas SoftMIS monitors the electronic payments to beneficiaries’ bank or post office accounts.
• All beneficiaries of the PMGAY scheme are eligible to get low-interest loans of up to INR 70,000 from Indian lenders.
• Besides monitoring the scheme’s implementation through Awaas App and AwaasSoft, it is also monitored through a social audit, DISHA committee, national level monitors, and state and central government officials.

**Pradhan Mantri Gramin Awas Yojana **- How to Apply

• Visit the official website of Pradhan Mantri Awas Yojana Gramin.
• Enter details like your Aadhar number, gender, mobile number, etc., in the slots provided
• Upload the consent letter for using your Aadhar data
• Locate the ‘Search’ button. Click on it to check your beneficiary details.
• Hit the ‘Register’ tab. Fill the empty fields, such as Aadhar number, bank account, nomination details, etc.
• After completing the processes mentioned above, you may click on ‘Yes’ to receive a loan and fill out the amount.
• Upload your MGNREGS and SBM details on the portal.

What are the Benefits of Pradhan Mantri Gramin Awaas Yojana?

• Beneficiaries can avail of a housing loan of up to INR 70,000 and use the funds for house construction under PMGAY.
• The interest rate of housing loans approved under PMAY - G is 3% lower than standard home loan interest rates.
• A PMGAY beneficiary can get a subsidy on a home loan of up to INR 2 lakh.
• A PMGAY beneficiary can get other benefits under schemes like Swachh Bharat Mission, Ujjwala Yojana, and MGNREGS.
• PMGAY beneficiaries living in hilly states receive more financial assistance.

Pradhan Mantri Gramin Awas Yojana - Eligibility Criteria

• The household must not own a pucca house in any part of India.
• Families living in kutcha houses with less than two bedrooms
• Families belonging to Scheduled Castes or Scheduled Tribes
• Freed bonded laborers
• Any household with a disabled member
• Non-SC, non-ST, and minorities in the BPL category
• Widows of defense or paramilitary personnel killed in action
• Any person without a job or whose job is casual
• A family willing to avail of a loan under the PMGAY scheme must have a husband, wife, and unmarried child/ children.
• The applicant must belong to categories like EWS (Economically Weaker Sections), BPL (Below Poverty Line), or LIG (Lower Income Group).
• The applicant's family income must not be less than INR 3 lakh and more than INR 6 lakh per annum.
• If the loan amount is above INR 6 lakh, the interest rate on the surplus amount will be according to the market rate.

Documents Required

• Correctly filled PMGAY Application Form
• Identify proof, such as Voter ID, Aadhar Card, etc.)
• Ethnicity certificate
• Income proof
• Income certificate (anyone whose income is not taxable)
• Address proof
• Salary certificate (if employed)
• Bank account statement of six months
• Income Tax Returns
• Form-16
• A letter on the business nature and financial statement (if the applicant is self-employed)
• T assessment order
• Construction plan
• A certificate elaborating on the construction cost
• A certificate from the official valuer
• An affidavit declaring that the applicant or their family members do not own any pucca house anywhere in India
• Receipt (if any) of the advance payment made to a builder
• The construction contract with a builder or developer
• A No-Objection Certificate received from any housing society
• A letter declaring the property allocation

Convergence With Other Schemes

• Swachh Bharat Mission - Gramin : INR 12,000 for toilet construction
• MGNREGA - Get up to INR 18,000 by working for 90-95 days under the MGNREGA scheme
• Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY) - To receive electricity connection
• Pradhan Mantri Ujjwala Yojana (PMUY) - To receive free LPG connections
• Jal Jeewan Mission - To provide piped water supply

Pradhan Mantri Gramin Awas Yojana - Checking the Application Status

• Visit the official website of Pradhan Mantri Awas Yojana Gramin
• Locate the AwaasSoft tab
• Click on FTO (Fund Transfer Order) Tracking
• To check your PMGAY application’s progress, enter the FTO number or PFMS (Public Finance Management System) ID.

Pradhan Mantri Gramin Awas Yojana - State-Wise MoRD Target and Completed Status

Pradhan Mantri Gramin Awas Yojana - Funds Transfer Status

FAQs

What is Pradhan Mantri Awas Yojana Gramin?

What is the eligibility for PM Awas Yojana - Gramin?

Which documents should I submit along with PMGAY application form?

What are the benefits of Pradhan Mantri Awas Yojana - Gramin?

How does the government monitor PM Gramin Awas Yojana?