Home Government Schemes or Yojana Pradhan Mantri Awaas Yojana (Gramin)

Pradhan Mantri Awaas Yojana (Gramin)

Launch on 1st April 2016, Pradhan Mantri Awaas Yojana Gramin (PMAY-G) is the centre's flagship mission by the Ministry of Rural Development (MoRD), implemented by the Ministry of Housing and Urban Affairs (MoHUA). PMAY-G aims to provide a pucca house with basic amenities to all houseless households and those living in kutcha and dilapidated houses. PMAY-G addresses the rural housing shortage and bridges the housing deficit in rural areas of India, contributing significantly to the mission of "Housing for All". The minimum size of the houses under PMAY-G is 25 sq m, including a dedicated area for hygienic cooking. As of September 27, 2022, 2.00 crore houses have been constructed out of the total target of 2.72 crore. The beneficiaries are identified using the Socio-Economic and Caste Census (SECC) parameters and verified by the Gram Sabhas. The amount is transferred directly to the Aadhaar-Linked Bank Account / Post-Office Account of the beneficiary. PMAY-G has been extended for another two years, i.e., till 31st March 2024.

Aim and Objective

PMAY-G aims to provide a pucca house with basic amenities to all houseless households and households living in kutcha and dilapidated houses in rural areas by 2024. The immediate objective is to cover 1.00 Crore households in rural areas, that are houseless or living in kutcha / dilapidated houses, in three years from 2016-17 to 2018-19, and enable the construction of quality houses by the beneficiaries using local materials, designs, and trained masons. For houses to become homes, the adoption of a habitat approach through convergence is proposed.

Benefits of Pradhan Mantri Awaas Yojana (Gramin)

  • Financial Assistance of ₹ 1,20,000 per unit for plain areas; and ₹ 1,30,000 per unit for hilly areas, difficult areas, and IAP districts (Himalayan states, North-Eastern states, and Union Territories of Jammu & Kashmir).
  • A willing beneficiary can avail of institutional finance (loan) of up to ₹ 70,000 at 3% lower interest rate, to build a permanent house. The maximum principal amount for which a subsidy can be sought is ₹ 2,00,000.
  • The minimum size of the house shall be 25 sq m, including a dedicated area for hygienic cooking.
  • In convergence with Swachh Bharat Mission-Gramin (SBM-G), the beneficiaries get financial assistance of up to ₹ 12,000 for the construction of toilets.
  • In convergence with MGNREGA, the beneficiary is entitled to employment as unskilled labor (Rural Mason Training) at ₹ 90.95 per day for 95 days. In convergence with Pradhan Mantri Ujjwala Yojana, one LPG connection per house is provided.
  • Convergence with different government programmes for piped drinking water, electricity connection, clean & efficient cooking fuel, treatment of social and liquid waste, etc.
  • Payments are made electronically directly to bank accounts or post office accounts that are linked to Aadhaar.

Eligibility for Pradhan Mantri Awaas Yojana (Gramin)

The universe of eligible beneficiaries under PMAY-G will include all the houseless households living in zero, one, or two-room houses with kutcha walls and kutcha roofs (as per SECC data, and subject to the exclusion process).

Criteria for Automatic/Compulsory Inclusion

  • Households without shelter
  • Destitute/ living on alms
  • Manual scavengers
  • Primitive Tribal Groups
  • Legally released bonded laborer

Prioritisation within the Universe

  • There will be multilayered prioritization within the universe of eligible PMAY-G beneficiaries. Priority will first be assigned on the basis of parameters reflecting housing deprivation in each category, viz., SC/ST, Minorities, and Others.
  • To begin with, households will be prioritized based on houselessness, followed by the number of rooms: zero, one, and two rooms, in that order.
  • In a particular social category, viz., SC/ST, Minorities, and Others, households that are houseless or living in houses with a lower number of rooms shall not be ranked below households living in houses with a higher number of rooms.

Within the above priority groups, households that fulfill the criteria of "compulsory inclusion", will be further elevated. Automatically included households shall not rank lower than other households within a priority group. Inter-se priority within the two subgroups, viz. households which are automatically included and otherwise will be determined based on their cumulative deprivation scores.

The scores will be calculated from the socio-economic parameters given below, with each having equal weight:

  • Households with no adult member between the ages of 16 to 59.
  • Female-headed households with no adult male member between the ages of 16 to 59.
  • Households with no literate adult above 25 years
  • Households with any disabled member and no able-bodied adult member
  • Landless Households deriving the major part of their income from manual casual labor
  • Households with higher deprivation scores will be ranked higher within the subgroups.