Pradhan Mantri Gramin Awaas Yojana

In April 2016, Indira Awas Yojana, a scheme for rural housing, was revamped and launched under the name ‘Pradhan Mantri Gramin Awaas Yojana’. Basically, Pradhan Mantri Gramin Awaas Yojana boosts the commitment of the Government to provide ‘Housing for All by 2022’.

Notably, the beneficiaries under the Pradhan Mantri Gramin Awaas Yojana are identified using the parameters from Socio Economic and Caste Census as verified by Gram Sabhas.

The present article covers features and benefits; eligibility criteria; factors hindering benefits under the Yojana; a list of required documents for applying under the Yojana and highlights of the Pradhan Mantri Gramin Awaas Yojana Subsidy Scheme.

Features and benefits available under Pradhan Mantri Gramin Awaas Yojana-

The features and benefits of the Pradhan Mantri Gramin Awaas Yojana are explained hereunder-

1. The assistance cost is shared between the Central Government and the State Government in the following manner-

Particulars	Sharing ratio
Plain area	60% Central Government and 40% State Government
Hilly area	90% Central Government and 10% State Government

2. The amount of monetary assistance offered for per unit construction is tabulated hereunder-

Particulars	Amount of monetary assistance
Plain area	INR 1.20 Lakhs
Hilly area/ difficult area/ Integrated Action Plan districts	INR 1.30 Lakhs

3. The beneficiary under Pradhan Mantri Gramin Awaas Yojana is entitled for 90 to 95 days of unskilled labour under MGNREGA.

4. Houses built under Pradhan Mantri Gramin Awaas Yojana will have a minimum area of 25 sq. mt.

5. Each and every eligible payment will be electronically transferred to the beneficiary’s bank or post office account which is Aadhaar linked.

6. The beneficiary will, additionally, receive financial assistance up to INR 12,000 for the construction of toilets from the Swachh Bharat Mission – Gramin.

7. The beneficiary can also obtain a loan for an amount up to INR 70,000 from a lending institution.

Eligibility criteria under Pradhan Mantri Gramin Awaas Yojana-

The eligibility criteria under the Pradhan Mantri Gramin Awaas Yojana are summarized hereunder-

1. Households not having any literate adult above 25 years of age,

2. Households not having an adult male person between the age of 16 years to 59 years,

3. Households not having any adult member between the age of 16 years to 59 years of age,

4. Families not having any house,

5. Families with houses having either zero or one or two rooms with a kutcha wall and a kutcha roof,

6. Households, being landless, deriving income from casual labour,

7. Schedule caste, schedule tribe, minorities and others,

8. The household not having any able member and also having a disabled member.

Factors hindering benefits under Pradhan Mantri Gramin Awaas Yojana-

The beneficiary falling under any of the below factors will not be eligible to avail the benefits under the Yojana-

1. Having motorized two-wheeler or three-wheeler or four-wheeler vehicle or agricultural equipments or fishing boat.

2. Holding Kisan Credit Card with a spending limit greater or equal to INR 50,000.

3. Any member of the household is either a government employee or is earning more than INR 10,000 per month.

4. Any member of the household pays income tax or professional tax.

5. Owner of a landline connection or a refrigerator.

Documents required to apply under Pradhan Mantri Gramin Awaas Yojana-

Following is the list of documents that are required to apply under the Yojana-

1. Aadhaar number;

2. Documents giving consent to use Aadhaar information;

3. Job card number as registered under MNREGA scheme;

4. SBM-G [Swachh Bharat Mission – Gramin] registration number;

5. Details of the bank account.

Highlights of Pradhan Mantri Gramin Awaas Yojana Subsidy Scheme-

The subsidy scheme provides a subsidy on the rate of interest for the house loans. The features of the subsidy scheme are-

1. Availability of loan up to INR 70,000 either from a bank or other financial institutions.

2. Availability of interest subsidy @ 3% on housing loan interest rates.

3. The maximum principal amount for the Pradhan Mantri Gramin Awaas Yojana Subsidy Scheme is INR 2 Lakhs.

4. The maximum subsidy amount available under the Pradhan Mantri Gramin Awaas Yojana Subsidy Scheme is INR 38,359 for the EMI payable.

5. The maximum tenure of the loan under the Pradhan Mantri Gramin Awaas Yojana Subsidy Scheme can go up to 20 years.