Pradhan Mantri Awas Yojana Gramin (PMAY-G): Benefits, Eligibility, Document, Exclusions

The scheme bridges the rural housing deficit, contributing to the Government of India’s mission of “Housing for All”. PMAY-G not only provides shelter but also promotes quality living standards, access to sanitation, clean cooking fuel, and water. 

What is PMAY-G? 

The Pradhan Mantri Awas Yojana Gramin (PMAY-G) started on 1st April 2016. It is the government’s main rural housing scheme. The Ministry of Rural Development runs it with support from the Ministry of Housing and Urban Affairs. The scheme provides pucca houses with basic facilities to eligible rural families. 

PMAY-G focuses on families without homes or living in kutcha or damaged houses. It ensures safe, strong, and quality housing. Each house has at least 25 sq. m of living space. A hygienic area for cooking is included in every home. 

The scheme also works with other government programs. Thus, this helps improve overall living standards for rural families. 

Who It Benefits 

PMAY-G primarily benefits: 

• Houseless households in rural India. 
• Households living in kutcha or dilapidated houses with zero, one, or two rooms. 
• Families prioritised based on housing deprivation parameters from SECC 2011 data. 

Compulsory Inclusion Categories 

1. Households without shelter 
2. Destitute/living on alms 
3. Manual scavengers 
4. Primitive Tribal Groups 
5. Legally released bonded laborers 

Prioritisation Within Universe 

• Households are ranked based on houselessness, number of rooms, and cumulative deprivation score. 
• Priority is given within social categories (SC/ST, Minorities, Others), with compulsory inclusion households elevated above others. 
• Deprivation scores consider: 
  • No adult member aged 16–59 
  • Female-headed households with no adult male 
  • No literate adult above 25 years 
  • Households with disabled members and no able-bodied adult 
  • Landless households relying on manual labor 

Earmarking of Targets 

SC/ST: 60% of each state’s target; interchanged if required 

Minorities: 15% of total fund at the national level, allocated based on Census 2011 proportion 

PwDs: 3% of beneficiaries at the state level 

Tie Breaker 

• Widows and next-of-kin of armed forces personnel 
• Members suffering from leprosy, cancer, or PLHIV 
• Households with a single girl child 
• Scheduled Tribes or Traditional Forest Dwellers under Forest Rights Act, 2006 
• Transgender persons 

Key Features & Benefits of PMAY-G 

• Financial Assistance/PMAY G scheme amount: 
  • ₹1.20 lakh per unit in plain areas 
  • ₹1.30 lakh per unit in hilly/difficult/IAP districts 
• Subsidised Loan: Up to ₹70,000 at 3% lower interest; maximum principal ₹2,00,000 
• House Specifications: Minimum 25 sq. m, including cooking space 
• Convergence Benefits: 
  • SBM-G: Toilet construction assistance up to ₹12,000 
  • MGNREGA: 95 days of unskilled labor at ₹90.95/day 
  • PM Ujjwala Yojana: One LPG connection per house 
  • Other schemes: Water, electricity, and clean fuel connections 

Eligibility Criteria for PMAY-G 

• Houseless households or those in kutcha/dilapidated houses 
• Must be listed in SECC 2011 data and verified by Gram Sabhas 
• Only one family member can avail benefits 
• Households not covered under similar government schemes in the last 5 years 
• Actively engaged in rural housing areas 

Exclusions 

• Households already living in pucca houses or with more than 2 rooms 
• Motorised vehicles or mechanised agricultural equipment ownership 
• Kisan Credit Card holders with credit above ₹50,000 
• Government employees and their family members 
• Non-agricultural enterprises registered with the government 
• High-income households (earning >₹10,000 per month) 
• Paying income/professional tax 
• Owning a refrigerator, a landline, or significant irrigated land 

Documents Required 

• Aadhaar card (original and self-attested copy; thumbprint if illiterate) 
• Bank account details 
• MGNREGA job card 
• Swachh Bharat Mission (SBM) number 
• Affidavit stating beneficiaries/family members do not own pucca house 

Application Process 

Online Registration 

1. Visit the PMAY-G official portal 
2. Fill in personal, bank, and convergence details 
3. Upload the Aadhaar consent form 
4. Search and select the beneficiary using PMAY ID 
5. Fill remaining details: ownership, relation, bank account, MGNREGA job card, SBM number 
6. Submit for verification by the concerned office 

Verification 

1. Gram Panchayat/ULB level 
2. District Implementation Committee vetting 
3. Screening Committee approval 

Check Status 

Beneficiaries can track application status on the official PMAY-G portal. Status updates include Approved / Pending / Rejected, along with next steps. 

Benefit Disbursal 

Financial assistance, loans, convergence benefits, and wages are transferred directly to Aadhaar-linked bank/post office accounts. 

Kotak811 accounts are recommended for secure, seamless fund receipt. 

Conclusion 

So, as you already know how people can benefit through the ‘pmayg nic in’ online scheme. It empowers rural households as they get durable housing with basic amenities. Their living standards and social security rise. When individuals pass through the PMAY-G eligibility criteria, they can avail the benefits. Convergence with SBM-G, MGNREGA, and other schemes is very helpful for beneficiaries. They enjoy: 

• Toilets 
• LPG connections 
• Employment opportunities 

Direct fund transfer brings transparency and makes fund management seamless. “Housing for All” in rural India is now possible through this scheme. The housing deficit decreases and the livelihoods and health standards improve a great deal. 

FAQs 

1. How much financial assistance is provided under PMAY-G? 

₹1.20 lakh per unit in plain areas; ₹1.30 lakh in hilly/difficult/IAP districts. 

2. Is a loan available? 

Yes, up to ₹70,000 at 3% lower interest, max principal ₹2,00,000. 

3. How is the house size determined? 

Minimum 25 sq. m including a hygienic cooking area. 

4. What convergence benefits are available? 

• SBM-G: Toilet construction 
• MGNREGA: 95 days of labor at ₹90.95/day 
• PM Ujjwala Yojana: LPG connection 
• Other schemes: Water, electricity, clean fuel 

5. How are beneficiaries identified? 

Using SECC 2011 data and verified by Gram Sabhas. 

6. Can multiple family members apply? 

No, benefits are restricted to one member per family. 

7. Which documents are required? 

Aadhaar, bank account details, MGNREGA job card, SBM number, and affidavit for non-ownership of pucca house. 

8. Where to apply? 

Online at pmayg nic in or via nearest Common Service Centres (CSCs). 

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