Pradhan Mantri Gramin Awas Yojana (PMAY-G), previously known as Indira Awas Yojana (IAY), is a pivotal social welfare scheme implemented by the Indian government.
This initiative aims to provide affordable housing for the rural poor, ensuring everyone has a roof. The scheme aligns with the government’s broader vision of “Housing for All,” with a target to achieve this goal by 2022.
The urban counterpart of this scheme, “Housing for All by 2022,” was introduced in 2015 to cater to the needs of the urban poor.
Indira Awas Yojana was launched in 1985 by then-Prime Minister Rajiv Gandhi. It was a flagship program under the Ministry of Rural Development, focused on building houses for the Below Poverty Line (BPL) population in rural areas.
The Pradhan Mantri Awas Yojana – Gramin (PMAY-G) was introduced to further enhance this initiative, reinforcing the commitment to provide pucca houses with basic amenities for the rural populace.
The PMAY-G scheme is designed for individuals who either do not own a house or live in severely damaged kutcha houses.
The minimum size of the houses under this scheme has been increased from 20 sq. mt. to 25 sq. mt. This reflects the government’s commitment to improving the living standards of rural communities.
Eligibility Criteria
To qualify for the PMAY-G scheme, applicants must meet specific criteria:
- Indian citizenship.
- Families without members aged between 15 and 59 years.
- Families with differently-abled members.
- Individuals engaged in casual labor without a permanent job.
| Name of the Scheme | Pradhan Mantri Gramin Awas Yojana |
|---|---|
| PMAY Website | https://mohua.gov.in/ |
| PM Rural Housing Scheme | Prime Minister Rural Housing Scheme |
| Login link | https://pmayg.nic.in/netiay/masterlogin.aspx |
Benefits and Subsidies Beneficiaries
Under the PMAY-G scheme, receive financial assistance of Rs. 1.2 lakh in plain areas and Rs. 1.3 lakh in hilly regions.
Additionally, a subsidy scheme is available, offering loans of up to Rs. 70,000 from financial institutions with a 3% interest subsidy.
The maximum principal amount eligible for the subsidy is Rs. 2 lakh, with a maximum subsidy of Rs. 38,359 for EMI payments.
Key Features of PMAY-G
- The cost of housing units is shared between the Central and State governments in a 60:40 ratio for plain areas and a 90:10 ratio for hilly and northeastern states. Union Territories receive 100% financing from the Centre.
- Under the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS), beneficiaries receive Rs. 90.95 per day for unskilled labor.
- Up to Rs. 12,000 in assistance for toilet construction is provided under the Swachh Bharat Mission-Gramin (SBM-G), in collaboration with MGNREGS or other schemes.
- All payments are made electronically to bank or post office accounts linked to Aadhaar.
Process
The application process for PMAY-G involves four sections: personal details, bank account details, convergence details, and office-related information.
Applicants must visit the official PMAY-G website, fill in the required personal and bank account details, and upload the necessary consent forms. The beneficiary’s details, including PMAY ID and priority, will be automatically generated and displayed.
Pradhan Mantri Gramin Awas Yojana (PMAY-G) is a transformative scheme that plays a crucial role in improving the living standards of India’s rural poor.
By providing financial assistance, subsidies, and support for basic amenities, the scheme ensures that the dream of “Housing for All” is realized, bringing security and dignity to millions of rural families.