Pradhan Mantri Awaas Yojana Gramin (PMAY-G)

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.


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

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  • 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.


  • 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.


  • 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.

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