Pradhan Mantri Awas Yojana Gramin

Pradhan Mantri Awas Yojana is a renowned government scheme launched in 2015 with the ‘Housing For All (HFA) mission in India. The major purpose of this scheme is to provide stable houses with toilet facilities, water connections, and other necessities to eligible beneficiaries by the end of March 2022.

There are several components of this scheme that help in the implementation of the plan across the country. With this scheme, urban migrants and those who reside in rural areas in India can improve the quality of their lifestyle and get access to dignified houses. It encourages them to work with a content mind and promotes a dignified and hygienic lifestyle that eventually leads to the country’s economic growth in the long run.

Pradhan Mantri Gramin Awas Yojana was introduced by the Prime Minister of India to help the less privileged section of the rural areas have a better lifestyle. Providing houses with sanitation, water supply, and other necessities is the main objective of the PMAY Gramin.

Prime Minister Awas Yojana addresses a major issue in the country- the shortage of pucca houses in rural and urban places in India. Several sections are involved as parts of the main scheme to help the government with the implementation of the schemes across the country- Affordable Rental Housing Complexes (ARHCS), Global Housing Technology Challenge, and CLSS Awas Portal.

PM Awas Yojana Gramin is targeted towards those who reside in rural areas in India. Compared to the cities, those from rural areas automatically have poorer sanitation. The lack of basic necessities like electric supply, toilets, and water connections is more common in rural areas. This scheme introduced by the PM of India addresses the poverty situation in the rural parts of India. It focuses on helping the less privileged ones to shift to houses with proper sanitation and other basic necessities.

The Pradhan Mantri Awas Yojana Scheme was introduced by the Honourable Prime Minister of India, Shri Narendra Modi, in June 2015. Housing For All (HFA) is a mission that was introduced along with the scheme. The main goal of the scheme and the mission is to eradicate poverty by providing proper housing systems that contain all basic necessities such as electricity supply, sanitation, water supply, etc.

The Gramin Pradhan Mantri Awas Yojana was introduced later in 2016 to improve the lifestyles of those residing in the rural parts of the country. The rural Awas Yojana is a part of the IAY (Indira Awas Yojana). It was launched in 1985 with the primary goal of eradicating poverty by the former PM of India Rajiv Gandhi. It focused on providing houses to the country’s BPL (below poverty line) population. As per the Pradhan Mantri Awas Yojana Gramin, the government provides financial support for the construction of pucca houses containing all basic amenities, such as power supply, water connections, sanitation, etc.

Those who do not have pucca houses and are first-time buyers of houses are eligible to apply for the scheme. In rural areas, sanitation is a big issue that most people face on a daily basis. The Gramin Pradhan Mantri Awas yojana addresses the issue by implementing a rule- all houses that the rural residents buy must have basic sanitation, proper toilets, and water supply throughout the day.

The features and benefits offered by the Pradhan Mantri Awas Yojana Rural are immense. It directly targets the issue of the lack of pucca houses in the country and works towards providing houses containing all basic amenities to those who come from less-privileged backgrounds and come under the EWS, MIG-I, MIG-II, and LIG groups based on their family income.

The major features of the PM Gramin Awas Yojana include:

• The scheme focuses on covering 1 crore families that live in kutcha houses.
• On average, the minimum size of the houses remains 25 sq.m.
• The houses must contain all basic amenities, including electric supply and water supply.
• Proper sanitation is provided in all the houses. Proper toilets and water connectivity must be present in the buildings.
• The unit assistance that is provided under the Pradhan Mantri Awas Yojana Gramin remains 1.20 lakh for all houses constructed in plains.
• The unit assistance remains at 1.30 lakh for houses built in the hilly states.
• The central government and the state government share the building cost of the houses in the ratio of 60:40 houses built in the plain areas in the country.
• The shared cost ratio of the Central and state governments remains 90:10 for the houses that are constructed in the hilly states such as north-eastern and Himalayan states, including Himachal Pradesh, Jammu, Kashmir, and Uttarakhand.
• The Pradhan Mantri Awas Yojana Gramin collaborates with other schemes like the Swachh Bharat Mission to ensure the houses contain basic amenities and sanitation.
• The PMAY rural beneficiaries are selected based on the housing deprivation parameters as per the SECC (Socio-Economic and Caste Census).
• A willing beneficiary gets a loan of up to 70,000/- from the lending institutions.
• All due payments of the beneficiaries are transferred to their valid bank accounts or post office accounts that are linked to their Aadhaar cards with consent.
• The government always monitors the project that will be carried out throughout the entire procedure. It is monitored via social audit, by central and state officials. Members of the DISHA Committee are also involved in the monitoring process.

The main eligibility criteria of the Pradhan Mantri Awas Yojana Gramin are listed below:

• In order to be eligible for the Pradhan Mantri Awas Yojana scheme, beneficiaries should not own a pucca house in any part of the country.
• Even if the applicant has co-applicants who own pucca houses in any part of the country, they are not eligible to apply for this loan.
• Only people who come under the Economically Weaker Section (EWS), Low Income Group (LIG), Middle Income Group- I (MIG- I), and Middle Income Group-II (MIG II) are eligible to apply for a home loan under this scheme. The subsidy varies from one applicant to the other based on their family’s income background.
• Beneficiaries must have valid Aadhaar cards to be able to apply for this loan successfully.
• For married couples, individuals and joint ownership are allowed.
• The property that the beneficiaries buy with the help of the scheme must have amenities including sanitation, water, electricity, sewerage, roads, and other basic necessities.
• Those who avail of the subsidy and decide to switch to another lender during the tenure cannot claim any benefits in the future.
• Beneficiaries are allowed to transfer their loan to another lender in the middle of the tenure. However, in the case of the home loan balance transfer, beneficiaries cannot enjoy any benefits that are offered by the PMAY Gramin scheme.
• Castes including ST, SC, and the BPL population are eligible to apply for this scheme.
• Women, including widows and wives of ex-servicemen, are encouraged to apply for this scheme. They are eligible to be homeowners and co-applicants.
• Families that have a husband, a wife, and sons and daughters who are unmarried are eligible to apply for the Pradhan Mantri Awas Yojana Gramin scheme.
• The income of the beneficiaries’ families must be 3 lakh- 6 lakh.
• Those who have a yearly income of above 6 lakh will be charged interest rates based on current market rates.

The eligibility criteria for the Gramin Yojana are similar to the PMAY urban criteria. Make sure you go through the criteria thoroughly to make the procedure smoother. Although there is no way to apply for the scheme directly, being aware of the eligibility criteria can help you shorten the procedure of verification in the future.

The backward and less privileged class of the rural sections of the country are the ideal beneficiaries of the Pradhan Mantri Gramin Awaas Yojana scheme.

The scheme is targeted towards those who belong to groups such as Low Income Group (LIG), Middle Income Group- I (MIG-I), and Middle Income Group-II (MIG-II).

Based on the current Socio-Economic and Caste Census (SECC), government officials determine the ideal beneficiaries for the scheme, women who fall under the LIG and EWS income groups.

Minority castes and SC, ST, and OBC, whose family income remains between 3 lakh to 6 lakh, are the ideal beneficiaries of the Pradhan Mantri Awas Yojana Gramin scheme.

There is no direct way to apply for the PMAY Gramin Scheme. Applicants are selected based on the current SECC status.

The PM Gramin Awas yojana follows four major components:

Credit Linked Subsidy Scheme (CLSS)

Those who belong to the EWS section/ LIG section or the MIG- I and MIG- II group are eligible to take home loans for an interest subsidy of 3% to 6.5% for a loan amount of six lakh nine lakh, or 12,00,00 depending on their demands.

Affordable Housing in Partnership (AHP)

As per the AHP component, central assistance of up to 1.5 lakh is provided to the EWS groups. States and cities also have the flexibility to extend other concessions, including land at affordable cost, state shares, stamp duty, etc, to the borrowers.

Beneficiary-led Individual House Enhancement/ Construction (BLC-N/ BLC-E)

Central assistance of around 1.5,00,00 is provided to those who belong to the EWS group for individual house building/extension of an existing house.

In-situ Slum Redevelopment (ISSR)

As per the ISSR component, central assistance of 1 lakh is granted to those who construct new houses. In addition, the state holds the flexibility to deploy assistance for other slums that are being redeveloped.

The major documents that are required for the Pradhan Mantri Awas Yojana Gramin include:

• A PAN card is mandatory when it comes to applying for the scheme.
• Proof of address – Aadhar card, voter card, property tax documents, life insurance policy documents, etc.
• For self-employed people, factory/firm establishment certificates, sales tax receipts, and other documents confirming the existence of the workplace need to be submitted.
• Property documents- rent agreement on stamp papers, sales agreement, property registration certificates, copy of payment receipts of the builder (if required).
• Proof of income – bank statements for the last six months and salary slips for the last two months.
• Proof of identity – voter card, Aadhaar card, PAN card, passport, driving licence (anyone document).
• NOC from a housing society is required
• Form 16 is essential for applying for the PMAY Gramin scheme.