Pradhan Mantri Awas Yojana Gramin is one of the significant sub-schemes of the PMAY scheme that aims at helping those residing in villages and rural areas improve their lifestyles and provide them with home loans at affordable rates to construct new houses. Read on to find out all about it and how it works.
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 basic 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 the 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 basic 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 the 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, 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.
Additional Info: 10 Important FAQs About Pradhan Mantri Awas Yojana
The Pradhan Mantri Awas Yojana Scheme was introduced by the Honourable Prime Minister of India, Shri Narendra Modi, in June of 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 with the goal 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 to eradicate 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 the less-privileged background 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 main eligibility criteria of the Pradhan Mantri Awas Yojana Gramin are listed below:
The eligibility criteria for the Gramin Yojana is 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 the 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 1lakh 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:
Yes, as per the PMAY Gramin home loan scheme, you can apply for a loan if you properly meet all the eligibility criteria.
Reach out to their helpline numbers for all your queries- 1800113377, 1800113388, 1800116163. You can also send an email at email@example.com for further assistance.
The total loan amount is transferred directly into the beneficiaries’ bank accounts that are properly linked with their Aadhar cards. Beneficiaries have to repay along with the loan amount with the interest rate during their selected tenures. The entire repayment procedure is discussed with the applicants beforehand.
Government officials always keep track of the performance that will be carried throughout the entire procedure by the beneficiaries. It is monitored via social audit, central and state officials. Members of the DISHA Committee are also involved in the monitoring process.
Under the Gramin plans, there is no way to apply for the PMAY scheme. The government selects beneficiaries based on the Socio-Economic Census (SECC).
Visit the https://pmayg.nic.in/netiay/home.aspx and go to the ‘stakeholders’ menu for further process. Go to the ‘Beneficiary’ option next and search your number to check your application status.
To check your name in the Pradhan Mantri Awas Yojana Gramin, visit https://pmayg.nic.in/netiay/home.aspx. Go to the ‘Beneficiaries/ option and select your number to check your name in the list.