Everything You Need to Know About PMAY Gramin
The Pradhan Mantri Awas Yojana (PMAY) is a government initiative aimed at providing ‘Housing for All by 2024’. This ambitious project covers both rural and urban areas. In this article, we will delve into the specifics of PMAY Gramin, also known as PMAY Rural, and explore the various facets of this scheme.
What is PMAY Gramin?
PMAY Gramin, or PMAY Rural, aims to provide a pucca house with basic amenities to all homeless individuals and those living in kutcha and dilapidated houses by 2024. This scheme targets people who do not own a house and live in severely damaged or temporary structures. Under PMAY-G, houses of 25 sqm are being constructed. Beneficiaries are identified using the Socio-Economic and Caste Census (SECC) and verified by the Gram Sabhas.
PMAY Gramin: Key Details
| Official website | pmayg.nic.in / iay.nic.in |
|---|---|
| Toll-free number | 1800116446 / 1800118111 |
| Complaints | support-pmayg@gov.in / helpdesk-pfms@gov.in |
| PMAY-G app | Android and iOS |
PMAY Gramin Subsidy
The PMAY Gramin subsidy offers a 3% interest rate for beneficiaries. The maximum principal amount is Rs 2 lakh, and the maximum subsidy one can avail is Rs 38,359 on the EMI. Beneficiaries can also get loans up to Rs 70,000 from financial organizations.
PMAY Gramin: Eligibility
To be eligible for the Pradhan Mantri Awas Yojana rural scheme, the following conditions must be met:
- The beneficiary or their family must not own any pucca house across the country.
- Families living in kutcha homes with one, two, or no rooms are eligible.
- Families with no male members aged 16-59 years.
- Families with specially-abled members or no other able-bodied member.
- Families with no land or property, relying on casual labor for livelihood.
- SC, ST, minorities, and tribals who cannot afford a unit.
PMAY Rural Scheme: Ineligibility Conditions
Certain conditions make families ineligible for a housing unit under PMAY Gramin:
- Families with an adult member above 25 years of age who is literate.
- People paying tax/professional tax.
- Those who own refrigerators or landline phone connections.
- Family members with a government job earning over Rs 10,000 per month.
- Those with a Kisan Credit Card (KCC) limit greater than or equal to Rs 50,000.
- Those owning motorized vehicles or agricultural equipment.
Applications Under New Phase of PMAY Gramin
The State/Union Territory-wise details of houses sanctioned to eligible beneficiaries under PMAY-G during the last three years are as follows:
| S.No. | Name of the State/UT | 2020-21 | 2021-22 | 2022-23 |
|---|---|---|---|---|
| 1 | Arunachal Pradesh | 19,038 | 11,044 | 2,707 |
| 2 | Assam | 1,50,039 | 2,16,359 | 10,55,005 |
| 3 | Bihar | 6,25,357 | 8,99,367 | 1,33,110 |
| 4 | Chhattisgarh | 1,57,534 | 371 | 81,375 |
| 5 | Goa | 32 | 47 | 18 |
| 6 | Gujarat | 21,347 | 1,07,420 | 1,48,714 |
| 7 | Haryana | 61 | 3,317 | 5,114 |
| 8 | Himachal Pradesh | 4,001 | 2,729 | 794 |
| 9 | Jammu and Kashmir | 64,045 | 55,862 | 7,818 |
| 10 | Jharkhand | 3,61,648 | 3,90,226 | 11,590 |
| 11 | Kerala | 3,330 | 12,615 | 1,633 |
| 12 | Madhya Pradesh | 7,56,726 | 4,90,326 | 7,54,552 |
| 13 | Maharashtra | 2,92,105 | 1,17,601 | 3,16,475 |
| 14 | Manipur | 17,822 | 1,725 | 13,849 |
| 15 | Meghalaya | 26,487 | 3,353 | 8,871 |
| 16 | Mizoram | 7,017 | 0 | 6,951 |
| 17 | Nagaland | 4,706 | 9,806 | 4,203 |
| 18 | Odisha | 2,90,488 | 3,421 | 9,08,916 |
| 19 | Punjab | 1,887 | 11,333 | 4,959 |
| 20 | Rajasthan | 2,64,720 | 3,87,150 | 7,467 |
| 21 | Sikkim | 0 | 282 | 48 |
| 22 | Tamil Nadu | 1,13,138 | 2,30,839 | 41,101 |
| 23 | Tripura | 991 | 1,57,234 | 51,915 |
| 24 | Uttar Pradesh | 7,28,507 | 4,34,963 | 8,62,231 |
| 25 | Uttarakhand | 47 | 15,390 | 18,816 |
| 26 | West Bengal | 9,41,759 | 1,66,795 | 11,06,888 |
| 27 | Andaman and Nicobar | 397 | 0 | 6 |
| 28 | Dadra and Nagar Haveli & Daman Diu | 99 | 49 | 967 |
| 29 | Lakshadweep | 0 | 0 | 0 |
| 30 | Puducherry* | – | – | – |
| 31 | Andhra Pradesh | 1,816 | 0 | 1,78,899 |
| 32 | Karnataka | 36,730 | 3,972 | 38,412 |
| 33 | Telangana* | – | – | – |
| 34 | Ladakh | 200 | 461 | 1 |
| Total | 48,92,074 | 37,34,057 | 57,73,405 |
*Telangana & Puducherry are not implementing PMAY-G.
PMAY Rural Scheme Details
The size of the units under PMAY Gramin is 25 sqm (269.098 sqft). The cost of PMAY Gramin units is shared between the center and the state in a 60:40 ratio. In plain areas, the assistance is Rs 1.20 lakh per unit. In the Himalayan states, north-eastern states, and Jammu and Kashmir, the ratio is 90:10 with Rs 1.30 lakh assistance per unit. The center finances all union territories, covering the entire cost.
Beneficiaries are identified through an economic and caste census, verified by the gram sabhas. Collaboration with MGNREGA and Swachh Bharat Mission provides additional assistance for toilet construction. Beneficiaries will get employment for 95 days under MGNREGA and Rs 12,000 financial support for toilet construction under Swachh Bharat Mission – Gramin. All payments are transferred directly to the beneficiaries’ Aadhaar-linked bank or post office accounts.
Documents Required to Apply for PMAY Gramin
- Aadhaar card number
- Bank details
- Consent to use Aadhaar (if taking help from a third-party)
- Swachh Bharat Mission number
- MGNREGA-registered job card number
How to Apply for a Housing Unit?
To apply for a housing unit under PMAY Gramin:
- Contact the concerned ward member at the gram panchayat.
- Fill and submit the application form available at the gram panchayat.
- If assistance is needed from a third-party, sign a consent form.
You can also apply online:
- Log on to the official website for PMAYG.
- Fill in your Aadhaar details and select to register. The rest of the details will be filled automatically.
- Provide your bank details online. If you wish to avail of a loan, enter the loan amount. You can edit these details later.
PMAY Gramin: Rhreporting Application Tracking Website
Once registered with PMAY Gramin, applicants can check their application status on the rhreporting.nic.in website. The rhreporting.nic.in new list provides information about beneficiaries in urban and rural areas. To download the rhreporting.nic.in 2023-24 new list or the PM Awas Yojana list 2023, visit the reporting.nic.in website and click on ‘Reports’ under Awaassoft.
Click on Beneficiary details for verification under Social audit reports to access the rhreporting.nic.in 2020-21 data. You will reach the housing report page where you can check the details.
For instance, to check the rhreporting.nic.in 2020-21 new list for Odisha or the awas yojana gramin Odisha list, use the filters and proceed to get the details.
PMAY Gramin Completed Units: State-wise List as of January 1, 2024
| #SNo | State Name | MoRD Target | Completed | Percentage of Completion against MoRD Target |
|---|---|---|---|---|
| Total | 29500000 | 25517812 | 86.5 | |
| 1 | Arunachal Pradesh | 36210 | 28420 | 78.49 |
| 2 | Assam | 2041807 | 1773299 | 84.56 |
| 3 | Bihar | 3701576 | 3645255 | 98.1 |
| 4 | Chhattisgarh | 1176142 | 963936 | 81.9 |
| 5 | Goa | 257 | 226 | 87.94 |
| 6 | Gujarat | 603922 | 511547 | 81.31 |
| 7 | Haryana | 29404 | 28278 | 87.94 |
| 8 | Himachal Pradesh | 25471 | 15021 | 58.83 |
| 9 | Jammu and Kashmir | 337129 | 203640 | 54.25 |
| 10 | Jharkhand | 1592171 | 1558228 | 97.55 |
| 11 | Kerala | 35167 | 32830 | 93.34 |
| 12 | Madhya Pradesh | 3800415 | 3639617 | 94.13 |
| 13 | Maharashtra | 1377817 | 1212732 | 85.43 |
| 14 | Manipur | 101558 | 30486 | 22.8 |
| 15 | Meghalaya | 188297 | 46121 | 23.29 |
| 16 | Mizoram | 29967 | 9267 | 28.09 |
| 17 | Nagaland | 48830 | 9518 | 18.72 |
| 18 | Odisha | 2726133 | 2023355 | 74.05 |
| 19 | Punjab | 39729 | 35986 | 85.9 |
| 20 | Rajasthan | 1717996 | 1682177 | 96.45 |
| 21 | Sikkim | 1400 | 1275 | 91.07 |
| 22 | Tamil Nadu | 751421 | 594787 | 77.74 |
| 23 | Tripura | 377057 | 327647 | 82.52 |
| 24 | Uttar Pradesh | 3615041 | 3487645 | 95.74 |
| 25 | Uttarakhand | 69303 | 48179 | 69.5 |
| 26 | West Bengal | 4569532 | 3410965 | 74.64 |
| 27 | Andaman and Nicobar | 3424 | 1225 | 35.78 |
| 28 | Dadra and Nagar Haveli | 11278 | 3807 | 33.76 |
| 29 | Daman and Diu | 158 | 16 | 10.13 |
| 30 | Lakshadweep | 45 | 45 | 100 |
| 31 | Puducherry | 0 | 0 | 0 |
| 32 | Andhra Pradesh | 246430 | 67479 | 27.38 |
| 33 | Karnataka | 241908 | 121940 | 50.41 |
| 34 | Telangana | 0 | 0 | 0 |
| 35 | Ladakh | 3005 | 2863 | 95.27 |
| Total | 29500000 | 25517812 | 86.5 |
PMAY Gramin: Grievance Redressal
According to PMAY-G guidelines, states/UTs should utilize the services of ombudspersons under MGNREGA to address grievances. These ombudspersons are assigned additional responsibilities for PMAY-G within the same geographical jurisdiction. Complaints should be resolved within 30 days of receipt.
Since the inception of PMAY-G on April 1, 2016, to July 28, 2023, a total of 13,673 grievances have been received. Out of these, 13,509 have been resolved as of July 28, 2023.
PMAY Gramin: Latest News
February 8, 2024: UP Allocates Rs 2,441 Crore for PMAY-G
According to a ToI report, the Uttar Pradesh government has allocated Rs 2,441 crore for the implementation of PMAY-G. In 2022-23, more than 28 lakh housing units were constructed in rural areas of Uttar Pradesh, achieving almost 96% of the target set for the fiscal year.
February 1, 2024: Two Crore Houses to be Built in 5 Years
In the interim Budget 2024, Finance Minister Nirmala Sitharaman announced that the government aims to construct over two crore affordable houses under PMAY-G in the next five years. Despite the COVID-19 pandemic, the government achieved its target of 3 crore houses.
January 16, 2024: PM Releases First Instalment of PM-JANMAN
Prime Minister Narendra Modi released the first instalment of the Pradhan Mantri Janjati Adivasi Nyaya Maha Abhiyan (PM-JANMAN) on January 15, 2024, to 1 lakh beneficiaries of PMAY-G. With a budget of Rs 24,000 crore, PM-JANMAN focuses on improving socio-economic conditions by providing basic facilities such as safe housing, clean drinking water, sanitation, education, health, nutrition, electricity, road and telecom connectivity, and sustainable livelihood opportunities.
Conclusion
The PMAY Gramin scheme is a significant step towards achieving the goal of ‘Housing for All by 2024’. With its comprehensive approach, it aims to uplift the socio-economic conditions of rural India. By providing affordable housing and basic amenities, PMAY Gramin is not just building houses but also building a better future for millions of Indians.