Pradhan Mantri Awas Yojana-Gramin: The Central Government is implementing a special scheme to provide permanent houses to the poor in the country’s rural areas. This scheme is known as the Pradhan Mantri Awas Yojana-Gramin (PMAY-G). Under this scheme, the government provides financial assistance of ₹1.30 lakh for the construction of permanent houses. You can apply without delay if you wish to avail yourself of the benefits of this scheme.

It is worth noting that a scheme called ‘Indira Awas Yojana’ was originally launched in 1996 to provide permanent housing for the poor. This scheme underwent revisions in 2014, after which the government launched the Pradhan Mantri Awas Yojana-Gramin. The scheme aims to provide housing to those without a roof over their heads or forced to live in slums or shanties.

What is Pradhan Mantri Awas Yojana-Gramin?

Under the PM’s ‘Housing for All’ mission, the minimum area requirement for the house has been increased to 30 square yards, including a kitchen. Millions of people have already received homes. Registration is now underway for the PM Awas Yojana 2.0. Through this scheme, the Central Government transfers funds for house construction directly into Aadhaar-linked bank accounts. The primary goal is to provide the poor with clean, hygienic homes equipped with basic amenities.

Know the benefits offered under the scheme.

Under this scheme, financial assistance of ₹1.3 lakh per unit is provided in hilly regions. This assistance of ₹1.3 lakh per unit also applies to Himachal Pradesh, the Northeastern states, and Jammu & Kashmir. Additionally, a loan facility of up to ₹70,000 is available at an interest rate of 3% for constructing a permanent house. A subsidy may be provided on a principal amount of up to ₹2 lakh.

The minimum size of the house must be 25 square metres, with space for a kitchen. Financial assistance of ₹12,000 is provided for the construction of toilets under the Swachh Bharat Mission-Gramin. MGNREGA guarantees up to 95 days of employment. Meanwhile, under the PM Ujjwala Scheme, LPG connections will be provided to every household. Other government schemes will facilitate access to drinking water and electricity connections.

What is the eligibility for the PMAY-G scheme?

Regarding PMAY-G eligibility, the scheme covers those who do not own a *pucca* (permanent) house and currently reside in a kutcha (temporary/mud) house. It also includes the homeless, those who survive by begging, ragpickers, tribal groups, and bonded labourers.

Who will not receive the scheme’s benefits?

Benefits will not be available to individuals who own a house with more than two rooms; possess a two-wheeler, car, or boat; hold a credit card with a limit of ₹50,000 or more; have a family member in a government job; have a family member earning more than ₹10,000 per month; or are income tax payers.

What documents are required?

To avail the benefits of the PM Awas Yojana, you need an Aadhaar card (or a thumb impression for illiterate individuals), an MGNREGA job card, bank account details and a photocopy of the passbook, a Swachh Bharat Mission number, and an affidavit stating that the beneficiary does not own a *pucca* house.

How to apply online?

To apply, first visit the scheme’s official website.
Next, fill in details such as your name, mobile number, and Aadhaar number in the personal details section.
Upload the consent form for the use of your Aadhaar card.
Click the search button to look up the name, PMAY ID, and priority status in the beneficiary list.
Then, click on ‘Register’ to open the beneficiary’s full details and fill in any remaining information.
Upload the consent form for Aadhaar card usage.
In the next section, enter the beneficiary’s bank account details.
If you require a loan, please select and enter the loan amount. In the next section, you need to enter the MGNREGA job card number and the Swachh Bharat Mission number.
The subsequent section will be filled out by the concerned office.

Now, fill in other details such as the type of ownership, Aadhaar number, and relationship status.
Upload the consent form for the use of your Aadhaar card.
In the next section, enter the beneficiary’s bank account details.
If you also require a loan, select ‘Yes’ and enter the loan amount.
In the next section, enter the MGNREGA job card number and the Swachh Bharat Mission (SBM) number.
The section following this will be filled out by the concerned office.

How long does it take to receive the funds?

According to the information available, once your name appears on the list, an order to release the funds is issued. The first installment is credited to the beneficiary’s account within 7 days of this order being issued; the total amount is disbursed in 3 to 5 installments.

Find out how to check your name on the list.

To check your name on the PMAY-Gramin list, visit the official website: https://pmayg.nic.in/netiayHome/home.aspx. Click on the ‘IAY/PMAYG Beneficiary’ option under the ‘Stakeholder’ tab. Then, enter your registration number and the captcha code, and click ‘Submit’.