Pradhan Mantri Gramin Awaas Yojana (PMAY) 2020

Pradhan Mantri Awas Yojana – Gramin (PMAY-G) or Pradhan Mantri Gramin Awaas Yojana (PMGAY) is a communal welfare program initiated by the government of India with the intention to provide low-cost housing to the people residing in the rural areas of the nation. This program is in harmony with the government’s initiative of providing ‘Housing for all’ by the year 2022.

Features of Pradhan Mantri Gramin Awas Yojana Scheme:

• Modern technology like information communication and space technology are being used to make sure the accurate selection of beneficiaries
• PMGAY combines all of the following schemes together – Aadhaar platform, Skill India and Jan Dhan Yojana, and Make in India. Besides this, the government is also planning to deploy MGNREGA scheme to train and allocate labour
• The Swachh Bharat and MGNREGA amongst other institutions funded toilets for the PMGAY scheme
• PMAY-G beneficiaries are entitled to get 90 days of wage employment in districts under an integrated action plan (IAP)
• Drinking water will be supplied to houses under the PMAY-G scheme by the National Rural Drinking Water program (NRDWP)
• Clean and efficient cooking fuel will be provided to the beneficiaries of PMAY-G
• Solid and liquid wastes of the households under the PMAY-G scheme will be managed
• Several amenities such as bio-fenced steps, paved pathways, road, etc. will be provided to the beneficiaries of the PMAY-G housing
• 1 crore pucca houses are to be constructed for the people of the rural areas in the next three years
• Totally, 4 crore households will be constructed under the PMAY-G scheme by the year 2022
• The estimated total expenditure of PMAY-G is Rs.60,000 crore
• The size of each unit will be revised to 25 square meters. Earlier, the size of each unit stood at 20 square meters
• The funds will be transferred electronically and directly to the beneficiaries

Eligibility Criteria for PMAY Gramin:

1. Scheduled Tribes / Scheduled Castes
2. Freed bonded labourers
3. Minorities and non – SC/ST rural households in the BPL category
4. Widows and next-of-kin to defence personnel/paramilitary forces killed in action (irrespective of their income criteria), ex-servicemen and retire Scheme
5. The family applying for a loan under this scheme must include a husband, wife and child/children that are unmarried
6. The family must not own a pucca house
7. The applicant and his family must fulfil the income criteria mandated by this scheme and has to belong to either the EWS (Economically Weaker Section), LIG (Lower Income Group), or BPL (Below Poverty Line) category
8. The income of the applicant’s family should be between Rs.3 lakh and Rs.6 lakh p.a.
9. Any loan amount above Rs.6 lakh, the interest rate on the additional amount will be as per the market rate

Documents Required for Pradhan Mantri Awas Yojana Gramin:

1. PMAY-G application form that is duly filled
2. Ethnic group certificate
3. Income proof
4. ID proof such as aadhaar card, PAN, Driving licence, Voter ID, etc.
5. Income certificate in case income is below taxable limit
6. Address proof
7. Salary certificate
8. 6 months bank account statement
9. IT returns
10. Form 16
11. I.T assessment order
12. Letter on nature if the business if the applicant is involved in business
13. Financial statement in case of business
14. Plan of construction
15. Certificate claiming the cost of construction
16. Official valuer’s certificate
17. An affidavit stating neither the applicant nor his family members own a pucca house
18. Receipt of any advance payment made to the builder
19. The construction contract with developer or builder
20. NOC from a housing society
21. Letter pointing out the allocation of property

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