PMAYG 2024 – PM Awas Yojana Gramin Apply Online @ pmayg.nic.in, Eligibility

Pradhan Mantri Awas Yojana Gramin (PMAYG) is a significant initiative by the Government of India aimed at providing affordable housing for the rural poor. Originally launched in 1985 as the "Indira Awaas Yojana," the scheme underwent a revamp and was relaunched in 2016 by the current government under the "Housing for All by 2024" mission. The PMAY-G scheme, designed to offer homes to the underprivileged in rural areas, was extended until 2024 to further its reach and impact. This initiative is set to benefit millions of rural families, helping them secure permanent homes. To learn more about PMAYG and its ongoing developments, read the full article below. 

About PMAYG 2024

The Pradhan Mantri Gramin Awaas Yojana (PMAY-G) 2024 is a key initiative by the Indian government aimed at providing affordable housing to the rural poor. The scheme’s primary objective is to ensure that all rural households have access to permanent, safe, and secure homes with necessary amenities, including a sanitary kitchen. This program focuses on replacing dilapidated kutcha houses with sturdy pucca houses, offering a better quality of life to the rural population.

PMAY-G is the successor to the Indira Awaas Yojana, a similar welfare program launched in 1985, which aimed to provide housing to the rural poor. PMAY-G, however, takes the initiative a step further by ensuring that every rural household gets a home with modern facilities, promoting social welfare and uplifting rural communities across India. Recognized as one of the country’s largest social welfare schemes, it continues to play a vital role in the development of rural infrastructure.

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Pradhan Mantri Awas Yojana Gramin Details in Highlights

Objectives of PMAYG 2025

The primary objective of the PMAY-G (Pradhan Mantri Awas Yojana-Gramin) initiative is to provide durable housing along with essential utilities for those in need. This scheme targets individuals who do not have their own homes, as well as those living in kutcha houses or homes that are severely damaged. As of 2024, the minimum size of the houses to be constructed under PMAY-G has been increased from 20 sq. meters to 25 sq. meters, ensuring better living conditions for beneficiaries.

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Features of PMAYG 2025

The key features of PMAY-G (Pradhan Mantri Awas Yojana-Gramin) 2024 are outlined below:

• Cost Sharing: The cost of the unit is shared between the Central and State governments in a 60:40 ratio for plain areas, with Rs.1.20 lakh provided as aid for each unit.
• MGNREGS Support: Beneficiaries receive Rs.90.95 per day as unskilled labor wages under the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS).
• Himalayan and Northeastern States: For Himalayan states, northeastern states, and the Union Territory of Jammu & Kashmir, the cost-sharing ratio is 90:10, with up to Rs.1.30 lakh provided as support for each unit.
• Union Territories: The Central Government fully finances the construction of homes in Union Territories, including the UT of Ladakh.
• Beneficiary Identification: Beneficiaries are identified based on data from the Socio-Economic and Caste Census (SECC), and this information is validated by the Gram Sabhas.
• Toilet Construction Funding: Financial support of up to Rs.12,000 is provided for the construction of toilets under the Swachh Bharat Mission-Gramin (SBM-G), in collaboration with MGNREGS or other schemes.
• Direct Payment: Payments are directly credited to the bank accounts or post office accounts linked to Aadhaar.

Benefits of Pradhan Mantri Awas Yojana Gramin 2024

The benefits of the Pradhan Mantri Awas Yojana Gramin (PMAY-G) 2024 are as follows:

• All-Inclusive Pucca Houses: Phase 1 of PMAY-G aimed to build 1 crore houses in rural India between 2016 and 2019, while Phase 2 (2019–2022) focused on constructing 2.95 crore pucca houses. The program is now extended until 2024, ensuring continued support for rural housing development.
• Financial Support Up to Rs. 1.3 Lakh: The PMAY-G provides up to Rs. 1.3 Lakh for house construction in mountainous and North-Eastern states, and Rs. 1.2 Lakh for plains areas.
• Center-State Cost Sharing: The cost of construction is shared between the Central and State governments in a 60:40 ratio for most areas, with a 90:10 ratio in specific states, such as the North-East states, Himachal Pradesh, Uttarakhand, and Jammu & Kashmir.
• Additional Toilet Assistance: Beneficiaries are also provided with Rs. 12,000 for the construction of toilets under the Swachh Bharat Mission or any other related scheme.
• Employment Benefits: Through the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS), PMAY-G offers beneficiaries 90–95 days of employment, in addition to housing assistance.
• Minimum Housing Size: The houses constructed under PMAY-G must have a minimum size of 25 square meters to ensure better living conditions.
• Special Borrowing Option: Beneficiaries can also apply for a home loan of up to Rs. 70,000 from approved financial institutions to further support the construction of their homes.
• Housing Typologies: Beneficiaries are provided with various housing design options based on factors like terrain, climate, culture, and local building practices, ensuring that the houses are suitable for their specific needs.

Documents Required

Following are the documents required for PMAYG

• Identity proof such as Aadhar card or Voter ID
• Bank account details
• Swachh Bharat Mission registration number
• Job card number (as registered under MGNREGA)
• Consent to use Aadhar information
• An affidavit stating that you (or your family members) do not own a pucca house

Eligibility Criteria for PMAYG 2024

The eligibility requirements are as follows, encompassing distinct priority lists and particular deprivation scores:

• Families without homes
• Families who live in homes with zero, one, or two rooms that have kutcha roofs and walls.
• Households in which there isn’t a literate adult over 25.
• Households with no male adult adult member between the ages of 16 and 59.
• Households having no adults in them between the ages of 16 and 59.
• Households with one person who is impaired and one member who is able-bodied.
• Households without land whose only source of income is contract employment.
• Scheduled Tribe, Scheduled Caste, Minorities, and Others.

Exclusions

The following categories are excluded from applying for the Pradhan Mantri Awas Yojana Gramin (PMAY-G) 2024:

• Ownership of Motorized Vehicles or Boats: Applicants who own motorized two-wheelers, three-wheelers, or four-wheelers, as well as boats used for fishing or farming, are not eligible.
• Kisan Credit Card Holders: Individuals who hold a Kisan Credit Card (KCC) with a credit limit of at least Rs. 50,000 are excluded from the scheme.
• Government Employees or High-Income Earners: Applicants from households where at least one member is employed by the government or earns more than Rs. 10,000 per month are not eligible.
• Possession of Certain Assets: Individuals who own a landline phone connection, a refrigerator, or pay professional or income taxes are excluded from the scheme.

Application Process of PMAYG 2024 – Pradhan Mantri Awas Yojana Gramin

To apply for PMAY-G (Pradhan Mantri Awas Yojana Gramin) 2024, follow the steps below:

• Visit the Official PMAYG Website: Start by going to the official website of PMAY-G to access the login page.
• Enter Personal Details: Complete the personal details section by providing the necessary information, such as gender, mobile number, Aadhaar number, etc.
• Upload Consent Document: If using the Aadhaar number, upload the required consent document to authenticate the details.
• Search for Beneficiary Details: Click on the search button to find the beneficiary’s name, PMAY ID, and priority status.
• Register for the Scheme: Press the “Select to Register” button to proceed with the registration.
• Automatic Display of Beneficiary Information: The system will automatically generate and display the beneficiary information.
• Complete Beneficiary Details: Fill in the remaining beneficiary details, such as ownership type, relationship, Aadhaar number, and others.
• Upload Aadhaar Consent for Beneficiary: If using the Aadhaar number on behalf of the beneficiary, upload the consent document for their Aadhaar.
• Provide Bank Details: Enter the beneficiary's bank account details in the provided fields, including the recipient’s name and bank account number.
• Apply for Loan (if needed): If the beneficiary wishes to apply for a loan, select “Yes” and provide the required loan amount.
• Enter Additional Details: Fill in the beneficiary’s Swachh Bharat Mission (SBM) number and MGNREGA job card number in the relevant fields.
• Final Completion by the Office: The concerned office will complete the remaining process after submission of the application.

This is the general application process for PMAY-G, ensuring that all necessary details are provided for successful registration and consideration.

PMAY Gramin Latest Progress Report 2024 

The most recent Pradhan Mantri Awas Yojana Gramin Progress Report has been made public by the Union Government. A target of 2.70 crore homes under PMAYG have already been assigned out of the total 2.95 crore residences. Of this, 1.90 crore homes have been finished and 2.44 crore homes have been approved for the recipients. Details broken down by State and UT are shown in the table below:

If I Live in a Remote Area, Can I Still Apply for a Loan Through the Pradhan Mantri Awas Yojana Gramin Scheme?

Yes, rural residents who meet the eligibility criteria for the PMAY-G scheme can apply for loans, regardless of how remote their location is, as long as they qualify under the scheme's guidelines.

Does the Pradhan Mantri Awas Yojana Gramin Scheme Require Permission from My Local Gram Sabha to Participate? 

The necessity for Gram Sabha consultation depends on whether one exists in your village or town. If a Gram Sabha is available, consultation is required. If not, the relevant bank will handle all the necessary processes related to PMAY-G participation.

How Can I Take Advantage of the Pradhan Mantri Awas Yojana Gramin Scheme’s Interest Subsidy Benefit?

The interest subsidy under PMAY-G is provided by the National Housing Bank (NHB). The subsidy amount is directly transferred to the beneficiary's bank account linked with their PMAY-G registration.

Can I Use My Current Home Loan to Qualify for PMAY?

Older home loans are not eligible for the PMAY subsidy. The subsidy is only applicable to new home loans. If you plan to apply for both a new home loan and the PMAY subsidy, you can use the PMAY subsidy calculator to estimate how much you will save and the amount of subsidy you can receive.

Summary of PMAYG 2024 – PM Awas Yojana Gramin Apply Online

PMAYG 2024 (Pradhan Mantri Awas Yojana Gramin) aims to provide affordable housing to rural families. Under this scheme, eligible beneficiaries can avail financial assistance to build or upgrade their homes. Applications for PMAYG can be made online through the official portal, ensuring transparency and ease of access for rural residents seeking housing benefits.