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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.
The PMAY-G has altered the targets of houses to be constructed and has increased the total number to 1 crore homes by 2022. The revised targets for these states are represented below.
Home loans obtained under PMGAY are eligible for a 3% concession on interest rates on housing loans of upto Rs.2 lakh. This loan can be availed for upgrading your existing home or for constructing a new home in rural areas.
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The beneficiaries under the PMAY-G scheme is selected by the government using a process that makes use of the Socio Economic Caste Census of 2011 (SECC). The process of selecting the beneficiaries is as follows:
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The government will select the beneficiaries of PMAY-G and the final list will be published. Any interested candidates can then approach the respective authorities and avail the benefits of PMAY-G.
To see if your name has been shortlisted, follow the steps mentioned below:
PMAY-G provided home loans at subsidised rates of interest for eligible applicants. These loans will be provided at 6% p.a. for an amount of up to Rs.6 lakh. Anything amount above that will be provided at an interest rate at market value.
With the inclusion of technology in finance, it has made it easy to calculate the EMI of a loan. To access a PMAY-G home loan EMI calculator, just type in the basic details of the home loan and all the information requested will turn up on the site.
The rural development ministry has asked officials of all the states attending the first regional workshop regarding PMAY – G to keep the data regarding the progress of the first two phases of the scheme ready. This workshop is being held in Bhopal on August 8 and 9 and is aimed at exchanging ideas and reviewing the performance of the states regarding the scheme. The workshop can come in handy when it comes to implementation of the housing scheme in the future. It needs to be mentioned here that in the workshop officials are expected to make presentations regarding the reason as to why construction of some houses under the scheme were not completed.
13 August 2019
Finance Minister Nirmala Sitharaman in the Union budget reiterated that the government aims to achieve housing for all by 2022 under Pradhan Mantri Awas Yojana (PMAY) scheme. She added that 1.95 crore houses will be built under the scheme in the next two years to meet the target. In her speech, she stated that the time taken for completion of the houses built under PMAY have been reduced to 114 days in 2017-18 from 314 days in 2015-16 as the government makes use of direct benefit transfer (DBT) platform. The 1.95 crore houses to be built will have amenities like LPG, electricity and toilets, the minister added.
10 July 2019
Naveen Patnaik, the Chief Minister of Odisha has written to Prime Minister Narendra Modi requesting him to initially sanction five lakh special houses under the PMAY-G scheme. In the letter, Patnaik reiterated the request for waiver of the permanent waitlist (PWL) criterion for allocation of houses to the beneficiaries. He also asked the central government to consider a centre-state fund sharing pattern of 90:10.
The chief minister informed that with the rainy season approaching, the state government has decided to issue work order from June 1 in anticipation of the approval of the central government as there was an urgency to provide pucca houses to the affected people. He thanked the centre for the support it provided in effectively managing cyclone Fani and its aftermath.
It needs to be mentioned here that the state government is carrying out a detailed house damage assessment. As per preliminary estimation, about five lakh houses have been completely or substantially damaged across 14 affected districts. Narendra Modi had made an aerial survey and took stock of the situation on May 6.
15 May 2019
The target of providing 10 million houses to the rural poor by the end of FY19 under the Pradhan Mantri Awas Yojana – Grameen (PMAY-G) is likely to be missed by the government. This speculation has emerged after a government official recently stated that only 8.6 to 8.7 million houses were expected to be completed by April 20.
The delay in meeting the target has been accounted to factors like land not being readily available, refusal of beneficiaries to move from the dwelling areas for construction of houses etc. While in states like Punjab, Haryana, Andhra Pradesh, and Kerala, there aren’t enough approved beneficiaries to meet the targets.
It needs to be mentioned here that in FY20, as many as 6 million houses are scheduled to be completed under the scheme. Given the fact that individuals can get Rs.1.2 – 1.3 lakh for a house under the scheme, it has been approved for another 19.5 million houses by 2022.
25 April 2019
The Union Cabinet has reportedly approved the implementation of the second phase of the Pradhan Mantri Awas Yojana Gramin (PMAY-G). Under the scheme, the government has aimed at constructing over 1.95 crore houses for the rural poor by the year 2022. According to the official statement, all left out households who care living in dilapidated houses or homeless come down to an estimate of 1.95 crore households for whom the government will be providing pucca houses by the year 2022. The Phase-2 of PMAY-G will progress as per the same criterion and norms of Phase-1, targeting over 60 lakh houses during the year 2019-2020. PMAY offers eligible beneficiaries a subsidy on the home loan interest rates, making life easier for first-time home buyers in the country. According to sources, the State government’s share will amount to Rs.28,305 crore while that of the Central government will be Rs.48,195 crore for the implementation of Phase 2 of PMAY-G.
20 February 2019
According to reports by The Quint, the interim budget for rural development has only been increased by 5% from the estimates which were put forward in 2018-2019. This includes the Pradhan Mantri Awas Yojana where the allocation of funds by the government has reportedly reduced by 13% in accordance with the revised estimates of 2018-2019. In 2019, the funds were decreased by another 5%.
In the reports, Rs.58,900 crore had been sanctioned for the scheme between November 2016 and March 2019. The shortage of the funds now is being credited to delay in payments to the beneficiaries of the scheme. During the period between April 2014 to the end of December 2018, 1.04 beneficiaries were still to receive the final installment, of the total beneficiaries who had completed construction.
When the interim budget was announced by Finance Minister Piyush Goyal on 1 February 2019, the middle-class people of the country were to be benefited from the particulars of the budget which included a limit of income tax deduction to be raised to Rs.5 lakh per annum from the previous Rs.4.5 0 lakh per annum. Apart from that, the real estate sector was given a boost where the tax deductions on rental income were also increased with the aim to encourage the middle-class to buy and invest in homes and home loans.
However, the Finance Minister has mentioned the details of various schemes the government had implemented and its success, namely the Pradhan Mantri Awas Yojana. According to statements, 15.3 million houses have already been constructed and the government aims to fulfill its promise of affordable housing for all by 2022. Between January 2019 to March 2019, a total number of 3.64 million houses need to be completed and inspected. Even with a deficit of funds, the government will need to reach its target of 10 million houses.
5 February 2019
Due to land availability, nearly 500,000 houses for the poor was not sanctioned by the government. This resulted in many people who do not own any land, being homeless. However, as the general elections are around the corner, the government is reportedly doing everything to provide homes for the poverty-stricken people.
According to reports, 460,000 houses under the rural housing scheme have not been developed due to unavailability of land. Out of the 460,000, 240,000 houses are in Bihar while 30,000 are in Tamil Nadu.
Under the Pradhan Mantri Awas Yojana, the government had sanctioned to complete 10 million houses by the end of March. Out of which, 6.7 million houses have already been completed and 1.7 are in final stages of completion.
Officials in central government had stated that statements had been issued to the states regarding the unavailability of land and mentioned that construction of the remaining houses in Bihar and Tamil Nadu will be sanctioned by February 10.
30 January 2019
The Rajasthan rural development department has expressed dissatisfaction over the ‘zero’ progress of the mason training initiative under the Pradhan Mantri Awas Yojana?– Gramin (PMAY-G) scheme. As a result, it has asked the district collectors to expedite the training process immediately.
The district collectors have also been asked to submit the details of the trainees by 14th January. Last year, the target for the districts of was set at 20% for the months of October and November. For December and January (2019) it was set at 40% and for February and up to 15 March 2019, it was set 40%.
The review meeting will be held on 15th January and the officials have also been asked to take the necessary steps before the meeting. It has been decided that 5 candidates will be trained during the construction of one house.
It has also been decided that a minimum of 25 candidates would be selected from every village and the priority would be given to the older and the needy ones.
14 January 2019
According to reports, the Central government has directed the Telangana government to return over Rs.190 crore that was sanctioned by the Centre for the purpose of constructing houses for the poor in rural areas under the Pradhan Mantri Awas Yojana (PMAY). The decision was taken after the state declined to update the Centre the progress of the implementation of PMAY in the state. Telangana was allotted a target of over 70,074 houses in FY2016, during which the Centre had disbursed its share of Rs.190 crore. According to the Secretary of Rural Development, the state is yet to implement the transparent criteria of Pradhan Mantri Awas Yojana - Grameen for the allocation of houses to the rural poor and has refused to update the progress on AwaasSoft - an online website created for the purpose of updating the progress. While the completion of over 52 lakh houses across the nation under PMAY-G has been updated on the portal, Telangana has not only failed to update any progress so far, the state government also did not seek the second instalment of funds from the Centre for FY2016 until now.
23 October 2018
The Governor administration of the Jammu and Kashmir has reportedly approved for the constitution of a District and State Level Committee for the application of Pradhan Mantri Awas Yojana - Gramin (PMAY-G) in the state. The committee will be headed by the Chief Secretary of Jammu and Kashmir. Other representatives of the group include the Administrative Secretary of the Public Health Engineering Department, Administrative Secretary of the Power Development Department, I&FC Department, Administrative Secretary of the Rural Development, Administrative Secretary of the Food, Civil Supplies and Consumer Affairs Department and the Panchayati Raj and any other technical experts or officers who can be chosen in times of requirement. The State Level Committee duty will be to make sure that a comprehensive Annual Action Plan (AAP) for the implementation of PMAY-G is prepared. This committee will also be serviced by the Panchayati Raj and the Rural Development Department and shall conduct meetings at least two times in a year to discuss the progress of the implementation.
22 October 2018
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