Pradhan Mantri Awas Yojana Gramin (PMAY-G) – A Comprehensive Guide
Pradhan Mantri Awas Yojana Gramin (PMAY-G) is a flagship scheme launched by the Government of India to provide affordable and permanent housing for the rural poor. It was introduced on April 1, 2016, replacing the Indira Awaas Yojana (IAY) to ensure "Housing for All" in rural areas by 2024.
Objectives of PMAY-G
The primary goal of PMAY-G is to provide pucca (permanent) houses with essential facilities such as electricity, sanitation, and drinking water to homeless families or those living in kuchcha (temporary) houses in rural areas.
Key Features of PMAY-G
- Financial Assistance: Eligible beneficiaries receive ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly, difficult, and IAP (Integrated Action Plan) districts.
- Cost Sharing: The cost is shared in a 60:40 ratio between the Central and State Governments in plain areas, and 90:10 in North-Eastern and hilly states.
- House Size: The minimum size of a house under this scheme is 25 square meters (including a kitchen).
- Basic Facilities: Houses are built with sanitation, LPG connection, electricity, and drinking water through coordination with other government schemes.
- Direct Benefit Transfer (DBT): The financial assistance is transferred directly to the beneficiary's bank account through DBT, ensuring transparency and eliminating middlemen.
- Use of Technology: Houses are geo-tagged using AwaasSoft and monitored via AwaasApp to ensure quality and timely construction.
Eligibility Criteria for PMAY-G
Beneficiaries are selected based on data from the Socio-Economic and Caste Census (SECC) 2011 and verified by the Gram Sabha. The primary eligibility conditions include:
- Families living in kuchcha houses or without a proper home.
- Households without an adult male member aged 16–59.
- Households with disabled members and no able-bodied adult members.
- Families without land or shelter.
- SC/ST, minorities, and BPL (Below Poverty Line) households.
Required Documents for PMAY-G
To apply for PMAY-G, beneficiaries must submit the following documents:
- Aadhaar Card – For identity verification and authentication.
- Ration Card – To confirm family details and proof of residence.
- Driving License (if available) – Driving Licence can be used As an additional identity proof.
- Bank Account Details – For Direct Benefit Transfer (DBT) of financial assistance.
- Caste Certificate (if applicable) – For SC/ST/OBC beneficiaries.
- Income Certificate – To verify financial eligibility.
- Land Ownership Documents – If the applicant owns land.
- Job Card under MGNREGA – For employment verification (if applicable).
How to Apply for PMAY-G?
Eligible candidates can apply through:
- Gram Panchayat: Visit the local Gram Panchayat and fill out the application form.
- Online Application: Apply via the official PMAY-G portal (https://pmayg.nic.in) using Aadhaar authentication.
- Common Service Centers (CSC): Submit applications through CSCs for assistance.
Conclusion
PMAY-G has transformed rural housing by providing millions of families with safe, durable, and modern homes. The scheme plays a crucial role in improving the standard of living and ensuring better quality of life for rural citizens. With its transparent and technology-driven approach, PMAY-G is a step forward toward the goal of "Housing for All" by 2024.
Disclaimer: This article is part of sponsored content programme. The Tribune is not responsible for the content including the data in the text and has no role in its selection.
