Pradhan Mantri Awas Yojana Gramin : 1. 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; 2. This program is in harmony with the government’s initiative of providing ‘Housing for all’ by the year 2022.
Opinion
30/08/2018
1376
Sub :-
Pradhan Mantri Awas Yojana Gramin
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Ref : -
1.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.
2.This program is in harmony with the government’s initiative of providing ‘Housing for all’ by the year 2022.
i. Pradhan Mantri Awas Yojana (PMAY)
ii. Pradhan Mantri Awas Yojana
iii.PMAY Online Apply
iv.Pradhan Mantri Awas Yojana Eligibility
v.Pradhan Mantri Awas Yojana Online Applicationvi.PMAY - Credit Linked Subsidy Scheme
vi.PMAY Application Status
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.
I. Home Loans Under PMGAY :-
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.
II. Features of Pradhan Mantri Gramin Awas Yojana Scheme :-
1.Modern technology like information communication and space technology are being used to make sure the accurate selection of beneficiaries
2.PMGAY combines all of the following schemes together – Aadhaar platform, Skill India and Jan Dhan Yojana, and Make in India. Besides this, the government is also planning to deploy MGNREGA scheme to train and allocate labour
3.The Swachh Bharat and MGNREGA amongst other institutions funded totilets for the PMGAY scheme
PMAY-G beneficiaries are entitled to get 90 days of wage employment in districts under integrated action plan (IAP)
4.Drinking water will be supplied to houses under the PMAY-G scheme by the National Rural Drinking Water program (NRDWP)
5.Clean and efficient cooking fuel will be provided to the beneficiaries of PMAY-G
6.Solid and liquid wastes of the households under the PMAY-G scheme will be managed
7.Several amenities such as bio-fenced steps, paved pathways, road, etc. will be provided to the beneficiaries of the PMAY-G housing
8.1 crore pucca houses are to be constructed for the people of the rural areas in the next three years
9.Totally, 4 crore households will be constructed under the PMAY-G scheme by the year 2022
10.The estimated total expenditure of PMAY-G is Rs.60,000 crore
11.The size of each unit will be revised to 25 square meters. Earlier, the size of each unit stood at 20 square meters
12.The funds will be transferred electronically and directly to the beneficiaries
III. Eligibility Criteria for PMAY Gramin :-
1. Scheduled Tribes / Scheduled Castes
2. Freed bonded labourers
3. Minorities and non - SC/ST rural households in the BPL category
4. Widows and next-of-kin to defence personnel/paramilitary forces killed in action (irrespective of their income criteria), ex-servicemen and retire Scheme
5. The family applying for a loan under this scheme must include a husband, wife and child/children that are unmarried
6. The family must not own a pucca house
7. The applicant and his family must fulfil the income criteria mandated by this scheme and has to belong to either the EWS (Economically Weaker Section), LIG (Lower Income Group), or BPL (Below Poverty Line) category
8. The income of the applicant’s family should be between Rs.3 lakh and Rs.6 lakh p.a.
9. Any loan amount above Rs.6 lakh, the interest rate on the additional amount will be as per market rate
IV. Documents Required for Pradhan Mantri Awas Yojana Gramin :-
1. PMAY-G application form that is duly filed
2. Ethnic group certificate
3. Income proof
4. ID proof such as aadhaar card, PAN, Driving licence, Voter ID, etc.
5. Income certificate in case income is below taxable limit
6. Address proof
7. Salary certificate
8. 6 months bank account statement
9. IT returns
10. Form 16
11. I.T assessment order
12. Letter on nature if business if applicant is involved in business
13. Financial statement in case of business
14. Plan of construction
15. Certificate claiming the cost of construction
16. Official valuer’s certificate
17. An affidavit stating the neither the applicant nor his family members own a pucca house
18. Receipt of any advance payment made to the builder
19. Construction contract with developer or builder
20. NOC from a housing society
21. Letter pointing out the allocation of property
V. Beneficiary List for PMAY-G :-
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 : -
*The SECC will be made use of to make a list of the beneficiaries
*These beneficiaries will then be prioritized
*Subsequently, the list will be sent to Gram Sabhas to verify the list
*Once verified, a final list will be created and published
*Lastly, the annual lists will be created
VI. Factors that will exclude Beneficiaries from PMAY Gramin Scheme :-
*Candidates that have a motorised two wheeler
*Candidates that have a motorised three wheeler
*Candidates that have a motorised four wheeler
*Candidates that have a fishing boat
*Candidates that have a mechanised three wheeler agricultural equipment
*Candidates that have a mechanised four wheeler agricultural equipment
*Candidates that have a Kisan Credit Card (KCC) with a limit greater or equal to Rs.50,000
*Any household that has at least one member that is employed with the government
*Any household that has at least one member earning more than Rs.10,000 a month
*Any person that pays income tax
*Any person that pays professional tax
*Anyone that owns a refrigerator
*Anyone that owns a landline phone connection
VII. Factors that are Mandatory in Order to Become a Beneficiary for PMAY-G :-
The applicant’s family must consist of only of the beneficiary’s spouse, and unmarried children
The applicant’s family must not own a pucca house
A beneficiary must be residing in a particular state for a certain time period, depending on the state
The applicant and his family must fulfil the income criteria mandated by this scheme and has to belong to either the EWS (Economically Weaker Section), LIG (Lower Income Group), or BPL (Below Poverty Line) category
The income of the applicant’s family should be between Rs.3 lakh and Rs.6 lakh p.a.
Any loan amount above Rs.6 lakh, the interest rate on the additional amount will be as per market rate
VIII. How to Apply for PMAY Gramin :-
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:
Login to the official PMAY site
Click on ‘Stakeholders’ in the option bar
Click on ‘Beneficiary’
Enter your name and click on ‘Search’
IX. PMAY-G Home Loan Interest Subsidy Scheme :-
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.
X. PMAY-G Home Loan EMI Calculator :-
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.
XI. Home Loan - Sitemap :-
GST Rate of 18% Applicable for All Financial Services Effective July 1, 2017.
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2.
Pradhan Mantri Gramin Awas Yojana
Pradhan Mantri Gramin Awas Yojana is a renamed and improved version of Indira Awas Yojana rural housing scheme. Under the PM Gramin Awas Yojana, the central government aims to develop 4 Crore (Increased from 3 Crore) homes for Rural Poor across the country by the year 2022.
Under the new rural housing scheme, the central government will provide a financial assistance of Rs. 120000/- for constructing the home. An additional assistance of Rs. 12000 will also be provided to construct toilets in households.
Under the Pradhan Mantri Gramin Awas Yojana, the eligible beneficiary can also avail a loan of up to Rs. 70,000/- but it is optional.
Find the latest updates about PM Awas Yojana Gramin such as application forms, application procedure, eligibility criteria, loan application, subsidy and financial assistance information and much more.
Pradhan Mantri Awas Yojana Gramin Latest Updates :-
Houses under Pradhan Mantri Awas Yojana (PMAY) to have Lock-in Period of 5 Years
August 21, 2018 | 3 Comments | Category: Central Government, Pradhan Mantri Yojana.
Houses Pradhan Mantri Awas Yojana PMAY Lock-in Period :-
Central govt. is going to impose a new condition on availing Home Loan Subsidy for Houses under Pradhan Mantri Awas Yojana (PMAY). Now all the people who have purchased new houses under PMAY Housing Scheme will not be able to sell their homes (property) before 5 years. Govt. will soon introduce a provision of “Lock-in […]
Tags: Narendra Modi Schemes 2018, Pradhan Mantri Awas Yojana, Pradhan Mantri Gramin Awas Yojana, Pradhan Mantri Yojana 2018, Sarkari Yojana 2018
1. Pradhan Mantri Awas Yojana Gramin UP – 10 Lakh Houses in 2017-18
August 14, 2017 | 62 Comments | Category: Uttar Pradesh.
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Pradhan Mantri Awas Yojana - Gramin
The state government of Uttar Pradesh is planning to construct 10 lakh houses in rural areas under Pradhan Mantri Awas Yojana Gramin (PMAY-G) and 2 lakh houses in urban areas under Pradhan Mantri Awas Yojana – Urban (PMAY-U). The aim of the central government’s flagship housing scheme is to provide shelter for homeless people across […]
2. Pradhan Mantri Awas Yojana Gramin 2017-18 – 51 Lakh Homes to be Constructed
June 2, 2017 | 76 Comments | Category: Central Government, Pradhan Mantri Yojana.
Pradhan Mantri Awas Yojana - Gramin
Central government has decided to now bring some focus on rural housing as well hence set a target of construction of 51 Lakh homes within 2017-18 under Pradhan Mantri Awas Yojana – Gramin. The target is half of 1 Crore houses to be constructed by 2019 under the scheme. The government now wish to decrease
Check Pradhan Mantri Awas Yojana Gramin Beneficiary Details in SECC List 2011
March 31, 2017 | 135 Comments | Category: Central Government, Pradhan Mantri Yojana.
Pradhan Mantri Awas Yojana - Gramin
Pradhan Mantri Awas Yojana Gramin beneficiary details can be checked on the PMAY-G website using the 7 digit PMAYID of the beneficiary. The government has added an option to check the details of family members of the beneficiaries as per the SECC-2011 data. The official website of Pradhan Mantri Awas Yojana is pmayg.nic.in where all […]
Tags: Housing Schemes, Pradhan Mantri Awas Yojana, Pradhan Mantri Gramin Awas Yojana
3. Pradhan Mantri Awas Yojana Gramin (PMAY-G) Rajasthan – 6.75 Lakh Homes in 2017-18
March 19, 2017 | 21 Comments | Category: Rajasthan.
Pradhan Mantri Awas Yojana - Gramin Rajasthan
Pradhan Mantri Awas Yojana Gramin (PMAY-G), an ambitious rural housing scheme of Narendra Modi Government has been launched in the state of Rajasthan. The chief minister of Rajasthan has launched the PM Awas Yojana Gramin on 18th March 2017 from Banswara district under which affordable homes would be constructed for the rural population in the […]
PMAY-G Beneficiaries List to be Shared with MoPNG for PMUY LPG Connections
March 3, 2017 | 20 Comments | Category: Central Government, Pradhan Mantri Yojana.
Pradhan Mantri Awas Yojana - Gramin
Pradhan Mantri Awas Yojana – Gramin beneficiaries list would now be shared with Ministry of Petroleum and Natural Gas for stronger implementation of Pradhan Mantri Ujjwala Yojana. The PMAY-G beneficiaries would be eligible for getting a free LPG connection under the Ujjwala Yojana. The Ministry of Rural Housing will share the PMAY-G beneficiary list on […]
44 Lakh Homes Under Pradhan Mantri Awas Yojana – Gramin by December 2017
February 1, 2017 | 299 Comments | Category: Central Government.
Pradhan Mantri Awas Yojana - Gramin
Pradhan Mantri Awas Yojana – Gramin targets for 2017 has been revised by the central government after the announcement made by PM Narendra Modi in his 31st December Speech. The government has increased the overall number of housing units to be constructed by 1 Crore under the PMAY-G. The central government has set a target […]
RAJASTHAN :-
4. Pradhan Mantri Awas Yojana Gramin Rajasthan – 4.31 Lakh Houses in 2016-17
January 23, 2017 | 47 Comments | Category: Rajasthan.
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Pradhan Mantri Awas Yojana - Gramin
Rajasthan Government has set a target to sanction 4.31 Lakh houses in year 2016-017 under the Pradhan Mantri Awas Yojana Gramin. The government has sent instructions to districts to complete the beneficiary identification and registration work within the given time frame. As the list of beneficiaries for PMAY-G is being prepared based on SECC-2011 data, […]
ASSAM :-
PM Awas Yojana Gramin Assam – 1.65 Lakh Houses to be built in 2017
January 19, 2017 | 44 Comments | Category: Assam.
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Pradhan Mantri Awas Yojana - Gramin
Pradhan Mantri Awas Yojana – Gramin (PMAY-G), the centrally sponsored rural housing scheme has been launched in Assam by the Chief Minister Sarbananda Sonowal. The scheme launch was marked by distributing sanction letters to some of the beneficiaries of PMAY-G at Sarusojai Stadium. Under the scheme, the state government has started the scheme for the POOR.
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**awaassoft.nic.in – PMAY Gramin Beneficiary Details & Application Status
January 19, 2017 | 36 Comments | Category: Central Government, Pradhan Mantri Yojana.
Pradhan Mantri Awas Yojana - Gramin
Pradhan Mantri Awas Yojana – Gramin beneficiary details and status of application form, installments, allotted house details can be viewed on the official website at awaassoft.nic.in. Selection of beneficiaries for PMAY-G is being done on the basis of several factors from SECC-2011 data. The complete procedure of beneficiary selection under Pradhan Mantri Awas Yojana –
OPINION :-
1. EASY ONLINE PROCEEDURE;
2. CONTACT NUMBERS TOLL FREE : Pradhan Mantri Awas Yojana Helpline Number (Toll Free Number) are 1800-11-6446, 1800-11-3377 , 1800-11-3388 and 1800-11-6163
3. PM Awas Yojana Help Line Options :-
1.Toll free number: You can reach PM Awas Yojana officials or just ask your queries at the toll free number 1800-11-6446 (Gramin) , 1800-11-3377 (Urban,NHB) , 1800-11-3388 (Urban,NHB) and 1800-11-6163 (Urban, HUDCO).
2.This is a customer care number, this means that if there is a delay in your subsidy arrangement, or if you have any sort of issue related to the scheme, then you can call this number.
3.Official Website: You can also visit the official website to check the details. This site contains all the information about the latest developments in the scheme.
4.PMAY App : The AwaasApp is the official app of PMAY. It launched on 2nd April, 2017. You can click on the “beneficiary login” and then access all the details related to your accounts. To use the app you need a smartphone with Android 4.0 and up.
5.Alternatively you can download the app named “Pradhan Mantri Awas Yojana” on Google Play Store.
6.Official Address : -
The following is the official address of the officials who take care of the PMAY -RAAS Housing Finance (India) Limited
1249, ArunaAsaf Ali Marg,
Vasant Kunj, New Delhi-110070
JAIHIND
VANDEMATHARAM
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