Details

Are you living in a rural area without a proper house or in a dilapidated one? The Pradhan Mantri Awaas Yojana - Gramin (PMAY-G) is here to help you build a secure and livable home.

What is PMAY-G?

Launched on April 1, 2016, by the Ministry of Rural Development, PMAY-G is a major scheme aimed at addressing the housing needs of rural India. It focuses on providing a 'pucca' (permanent) house with essential amenities to every houseless household and those residing in temporary or damaged homes. The goal is to ensure 'Housing for All' in rural areas by 2024.

Who Can Benefit From PMAY-G?

This scheme is designed for individuals and families living in rural areas who lack proper housing. This includes those without any shelter, living in kutcha houses (made of mud, thatch, etc.), or in houses that are in a poor, unlivable condition. Specific categories like houseless families, the destitute, manual scavengers, primitive tribal groups, and legally released bonded laborers are given priority.

Why PMAY-G is Important

PMAY-G plays a crucial role in improving the living conditions and dignity of rural citizens. By providing financial assistance and support for building permanent houses, it helps to bridge the rural housing gap. The scheme also aims to ensure that these new homes are of a decent size (at least 25 sq m) and include a hygienic cooking area. It encourages the use of local materials and techniques, making housing sustainable and community-driven.

Objective

Pradhan Mantri Awaas Yojana - Gramin (PMAY-G) is a central government mission launched on April 1, 2016, to provide safe and permanent housing for rural Indian families.

Benefits

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 subsidy can be sought is ₹ 2,00,000.

The minimum size of the house shall be is 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.

Note:Beneficiaries are identified using the "Housing Deprivation Parameters" from the Socio-Economic and Caste Census (SECC) 2011 [https://secc.gov.in/], further verified by the Gram Sabhas.

Sources and references

Guidelines (Hindi)

Eligibility Criteria

The scheme is for rural households who are houseless or live in houses with kutcha (temporary) walls and roofs, categorized as having zero, one, or two rooms. Beneficiary selection is based on the Socio-Economic and Caste Census (SECC) 2011 data, with certain exclusions.

Who is Automatically Included?

Households with no shelter.
Those who are destitute or live by begging.
Manual scavengers.
Primitive Tribal Groups.
Legally released bonded laborers.

Prioritisation within Eligible Households:

Priority is given based on housing deprivation, first for SC/STs, then Minorities, and then Others.
Within these groups, priority is based on houselessness, followed by zero, one, and two rooms.
Households with greater deprivation scores (based on specific criteria) get higher priority. These criteria include:

No adult member between 16-59 years.
Female-headed households with no adult male member between 16-59 years.
No literate adult above 25 years.
Any disabled member and no able-bodied adult.
Landless households relying on manual labor for income.

Special Provisions:

SC/ST: 60% of the target is earmarked for SC/ST beneficiaries, if eligible ones are available.
Minorities: Approximately 15% of the national target is earmarked for minority households.
Persons with Disabilities (PwDs): States are encouraged to ensure at least 3% of beneficiaries are persons with disabilities.

Tie-breaker Rules: If multiple households have the same deprivation score, priority is given based on:

Widows and next-of-kin of defense/police personnel killed in action.
Households with members suffering from leprosy, cancer, or living with HIV (PLHIV).
Households with a single girl child.
Beneficiaries under the Forest Rights Act, 2006.
Transgender persons.

How To Apply

Beneficiaries are primarily identified through the Socio-Economic and Caste Census (SECC) 2011 data. The Gram Sabhas then verify these selections. The process ensures that assistance reaches those most in need. For further details and application, please refer to official government sources.

Official Sources:

Ministry of Rural Development: https://rural.nic.in/
PMAY-G Website: http://awaas.nic.in/

Documents Required

Aadhaar Card: A self-attested copy is required. If the applicant is illiterate, a consent letter with a thumbprint is needed.
MGNREGA Job Card: Must be duly registered with the scheme.
Bank Account Details: Original and duplicate copies are necessary. Ensure the account is linked to Aadhaar.
Swachh Bharat Mission (SBM) Number: Your SBM registration number.
Affidavit: A declaration stating that neither the applicant nor their family members own a 'pucca' (permanent) house.

FAQ’s

How are beneficiaries selected for the Pradhan Mantri Awaas Yojana - Gramin?

Beneficiaries are identified using data from the Socio-Economic and Caste Census (SECC) 2011. These selections are then verified by the Gram Sabhas to ensure the assistance goes to genuinely eligible rural households.

What financial support can I get for building a toilet under PMAY-G?

Under PMAY-G, you can receive financial assistance of up to ₹12,000 for the construction of toilets, which is done in convergence with the Swachh Bharat Mission-Gramin (SBM-G).

Can I get a loan under PMAY-G? If so, how much?

Yes, a willing beneficiary can avail of an institutional loan of up to ₹70,000. This loan comes with an interest rate that is 3% lower than the prevailing rates, specifically for building a permanent house. The maximum principal amount for which subsidy can be claimed is ₹2,00,000.

Which ministry is responsible for implementing PMAY-G?

The Pradhan Mantri Awaas Yojana - Gramin (PMAY-G) is implemented by the Ministry of Housing and Urban Affairs (MoHUA), as part of a larger mission by the Ministry of Rural Development (MoRD).

What kind of support is available through MGNREGA for PMAY-G beneficiaries?

In convergence with MGNREGA, beneficiaries are eligible for 95 days of employment as unskilled labor, with a daily wage of ₹90.95. They can also receive training as rural masons.

How is the financial assistance from PMAY-G paid to the beneficiaries?

The funds are transferred directly to the bank account or post-office account of the beneficiary. It's important that this account is linked to their Aadhaar number for the electronic transfer.

Pradhan Mantri Awaas Yojana - Gramin 2026