Pradhan Mantri Awaas Yojana Gramin (PMAY-G)

From Prelims Sureshots » Schemes & Welfare Initiatives

This topic of “Pradhan Mantri Awaas Yojana Gramin (PMAY-G)” is important from the perspective of the UPSC IAS Examination, which falls under General Studies Portion.

Introduction:

Pradhan Mantri Awaas Yojana Gramin (PMAY-G) is a flagship mission by the Ministry of Rural Development (MoRD), implemented by the Ministry of Housing and Urban Affairs (MoHUA).
Launched on April 1, 2016, PMAY-G aims at providing a pucca house, with basic amenities, to all houseless households and those households living in kutcha and dilapidated houses in rural areas of India.

Ministry/Agency:

Ministry of Rural Development (MoRD) is responsible for the implementation of PMAY-G.

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Objectives:

PMAY-G aims to provide a pucca house with basic amenities to all houseless households and households living in kutcha and dilapidated houses in rural areas by 2024.
The immediate objective is to cover 1.00 Crore households in rural areas that are houseless or living in kutcha/dilapidated houses in three years from 2016-17 to 2018-19 and enable construction of quality houses by the beneficiaries using local materials, designs and trained masons.

Benefits:

Financial assistance of ₹1,20,000 per unit for plain areas; and ₹1,30,000 per unit for hilly areas, difficult areas, and IAP districts.
A willing beneficiary can avail of institutional finance (loan) of up to ₹70,000 at 3% lower interest rate, to build a permanent house. The maximum principal amount for which subsidy can be sought is ₹2,00,000.
The beneficiaries get financial assistance of up to ₹12,000 for the construction of toilets in convergence with Swachh Bharat Mission-Gramin (SBM-G).
The beneficiary is entitled to employment as unskilled labor (Rural Mason Training) at ₹90.95 per day for 95 days in convergence with MGNREGA.
One LPG connection per house is provided in convergence with Pradhan Mantri Ujjwala Yojana.
Convergence with different government programmes for piped drinking water, electricity connection, clean & efficient cooking fuel, treatment of social and liquid waste, etc.

Eligibility:

The universe of eligible beneficiaries under PMAY-G includes all the houseless households living in zero, one, or two-room houses with kutcha walls and kutcha roofs.
Criteria for automatic/compulsory inclusion include households without shelter, destitute/living on alms, manual scavengers, primitive tribal groups, and legally released bonded laborer.
Prioritization is based on the basis of parameters reflecting housing deprivation in each category viz., SC/ST, Minorities, and Others.

Implementation Strategy:

Beneficiaries are identified using the “Housing Deprivation Parameters” from the Socio-Economic and Caste Census (SECC) 2011 and verified by the Gram Sabhas.
Earmarking of Targets: 60% of the target allocated to each State/UT should be earmarked for SC/STs, subject to the availability of eligible beneficiaries.
For Minorities: 15% of the total fund would be earmarked for Minorities at the National Level for households.
For PwDs: Keeping in view the provisions of the Persons with Disabilities Act, of 1995, the States to the extent possible, may ensure that 3% of beneficiaries at the State Level are from among persons with disabilities.