What is PMAGY – Pradhan Mantri Adarsh Gramin Yojana ?

In this article, we will talk about the PMAGY  which is the Pradhan Mantri Awas Yojana Gramin. Here, we will learn about the benefits it offers, the process of applying for it, and availing of the benefits.

PMAGY – Pradhan Mantri Adarsh Gramin Yojana

The Pradhan Mantri Awas Yojana welfare housing scheme is divided into two types depending on the locations where it has been stretched over. These are PMAY-U (PMAY- Urban) and PMAGY  (PMAY-Gramin).

While the PMAY-U is a housing scheme that covers various cities and towns across India, the PMAY-G is a welfare scheme that includes villages, slums, and other rural locations across the country.

The Pradhan Mantri Awas Yojana Gramin – PMAGY  was initially known as the Indira Awaas Yojana (IAY). It is principally a social welfare housing scheme launched by the government of India with the sole objective of improving the affordability of rural housing.

• Some key elements of the Pradhan Mantri Awas Yojana Gramin (PMAGY ):

1. Under this credit linked subsidy scheme, the cost of construction of houses is divided into a 60:40 ratio between the Central and State governments in plain areas. This means Rs. 1.20 lakhs of assistance for each unit.
2. For the construction of houses in the rural states like the Himalayan states, north-eastern states, and the Union territories of Jammu and Kashmir, the cost division is done in a 90:10 ratio. This means that the Central government will finance 90% of the construction costs and the State government will sponsor 10%. This amounts to Rs.1.30 lakhs of assistance for each unit.
3. The Central government will finance 100% of the costs of construction of houses in the Union Territories. This includes the newly formed Union territory of Ladakh.
4. Under this scheme, the beneficiaries are offered Rs.90.95 for each day of unskilled labour from MGNREGS.
5. Skilled masons are employed in the building of houses under this scheme to ensure quality construction and good design.
6. Under this scheme, parameters from socio-economic and caste census (SECC), which are verified by Gram Sabhas, are what determine the beneficiaries.
7. The Pradhan Mantri Awas Yojana Gramin ( PMAGY ) is a scheme that is linked with other government schemes like the Swacch Bharat Mission Gramin (SBMG). Through this association, up to Rs.12, 000 is provided as assistance in the construction of toilets in collaboration with MGNREGS or other schemes.
8. Monetary assistance up to Rs.70, 000 is made available to the beneficiaries that choose to avail of this scheme.
9. Under this scheme, the beneficiaries receive payments directly into their aadhaar-linked bank accounts.

• Eligibility criteria under Pradhan Mantri Awas Yojana (PMAY-G):

Certain limitations are depending on which the beneficiaries of the Pradhan Mantri Awas Yojana Gramin are acknowledged. Individuals are added to the PMAY-G list provided that they meet all the requirements stated in the criteria for PMAY-G. These are as follows:

1. Families who do not have their house qualify as beneficiaries. Families that have a house with zero, one, or a maximum of two rooms with a kutcha wall and roof are also eligible for this scheme.
2. If your household does not have an educated adult above 25 years of age, then you are considered eligible for the PMAY-G scheme.
3. Households that do not have an adult male member between the ages of 16 and 59 are eligible beneficiaries of this scheme.
4. Households that do not have any adult members between the ages of 16 and 59 are eligible for PMAY-G.
5. Families that either does not have any physically able members or do have a physically disabled member come under beneficiaries of this scheme.
6. Landless individuals who are only earning from casual labour are considered eligible for PMAY-G.
7. Individuals belonging to Scheduled Caste (SC), Scheduled Tribe (ST), and other minorities are eligible to be beneficiaries of this scheme.

• How to apply for PMAY-G online?

You can proceed with the Pradhan Mantri Awas Yojana online application process with a few simple steps. There are four units to the online registration process for PMAY-G. They are:

1. Personal information
2. Bank account specifications
3. Convergence details
4. Information from the concerned office

The steps for online application for Pradhan Mantri Awas Yojana Gramin are as follows:

1. First, you need to visit the official website of PMAY-G. (https://pmayg.nic.in/.)
2. Now, under the ‘Documents’ section, select the option that says ‘User Manual for PMAYG Registration’.
3. After you select this option, you will be redirected to a PDF file that has the application form for PMAY-G. (https://rhfms.nic.in/netiay/Document/PMAYG-Registratio-Manual.pdf)
4. Now, this is the format in which applicants need to apply for this scheme.

• Pradhan Mantri Awas Yojana Documents:

Certain identification documents are needed so that you can apply for the PradhanMantri Awas Yojana Gramin scheme. These are as follows:

1. Aadhaar card number
2. A document that proves consent to use aadhaar number on behalf of the beneficiary.
3. Bank account information
4. Beneficiary job card number that is registered with MGNREGA
5. Registration number used by the beneficiary for the Swacch Bharat Mission Gramin (SBMG)

• How can you check the Pradhan Mantri Awas Yojana Gramin Lists?

Individuals who have opted for and registered for the Pradhan Mantri Awas Yojana Gramin, and wish to check their names in the PMAY-G list, can easily do so with or without their registration number. The steps to check the Pradhan Mantri Awas Yojana Gramin list 2019:

1. First, you need to visit the official website of PMAY-G.
2. Next, from the menu bar, you need to select the option that says ‘Stakeholders’.
3. When you select that option, a drop-down menu will appear. On this menu, you have to select the option ‘IAY/PMAYG Beneficiary’.
4. Now, you will be redirected to a page where you can check for your name with or without providing your registration number.

• You can conveniently choose to download the Pradhan Mantri Awas Yojana Gramin form PDF if you simply visit the official website of PMAY-G. (https://pmayg.nic.in/.)
• The rate of interest subsidy offered under the Pradhan Mantri Awas Yojana Gramin is 3%.
• The maximum amount of subsidy offered by PMAYG stands at Rs.2 lakh.
• The minimum size of homes constructed under the PMAY-G scheme should be 25 sq. mt.

Also read : How to avail PMAY subsidy ?

FAQs:

Conclusion:

The Pradhan Mantri Awas Yojana Gramin 2020 is conclusively a social welfare model that aims at creating affordable housing opportunities for all. It especially aims at the rural sector of the country where people are denied the most basic need which is a proper home. The government of India came up with this PMAY-G scheme to aid these people of economically weaker classes in improving their living conditions and having a decent home to live in.