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Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

  • Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

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Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

1. Background and Evolution

  • Public housing in India began post-Independence for refugee rehabilitation.

  • Rural housing as an independent programme began with Indira Awaas Yojana (IAY) in January 1996.

  • CAG audit in 2014 exposed gaps in IAY:

    • No proper housing shortage assessment

    • Non-transparent beneficiary selection

    • Poor construction quality, lack of supervision

    • Weak monitoring, low convergence with other schemes

    • Inaccessibility of loans to beneficiaries

\2. Launch of PMAY-G

  • Launched: 1st April 2016

  • Replaces: Indira Awaas Yojana (IAY)

  • Goal: “Housing for All by 2024” in rural India

  • Target (Phase I): 1 crore pucca houses (2016–17 to 2018–19)

3. Key Features

 

Feature Details
House Size Increased from 20 sq.m to 25 sq.m with hygienic cooking space
Assistance ₹1.20 lakh (plain areas); ₹1.30 lakh (hilly/IAP areas)
Unskilled Labour Support 90–95 person-days from MGNREGS
Toilet Assistance Through convergence with SBM-G, MGNREGS, or other sources
Other Amenities Convergence for piped water, electricity, LPG, etc.

4. Funding Pattern

 

Region Centre:State Share
Plain Areas 60:40
NE & Himalayan States 90:10
Fund Usage 90% for construction (incl. 4% admin cost), 5% retained centrally for special projects

5. Beneficiary Selection – A Major Reform

  • No more BPL list – uses SECC 2011 housing deprivation parameters.

  • Households houseless or in 0–2 kutcha wall & roof homes are selected.

  • Permanent Wait List prepared, verified by Gram Sabha.

  • Ensures transparency, planning, and reduces discretion.

  • Grievance Redressal: An appellate mechanism is in place.

6. Construction Quality and Support

  • Nationwide Masons Training & Certification Programme launched.

  • National Technical Support Agency (NTSA) envisioned.

  • Each beneficiary tagged with a rural mason and a govt functionary.

  • House design templates with disaster-resilient features created via public consultation.

7. Use of Technology: e-Governance Platforms

 

Tool Function
AwaasSoft Web-based platform for workflow: beneficiary ID, approvals, fund transfer via PFMS
AwaasApp Mobile app to track construction with time-stamped geo-tagged photos
Payments All through Direct Benefit Transfer (DBT) to bank/post office accounts

8. Convergence Mechanism

  • States must plan Annual Action Plans (AAP) including convergence plans.

  • System-to-system integration for real-time coordination with:

    • Swachh Bharat Mission (SBM)

    • Saubhagya (electricity)

    • Ujjwala (LPG)

    • Jal Jeevan Mission, etc.

9. Institutional Finance Support

  • Willing beneficiaries can avail loans up to ₹70,000.

  • Monitoring through SLBC, DLBC, and block-level committees.

10. Monitoring and Accountability

  • Multi-tiered Monitoring Mechanism:

    • AwaasSoft and AwaasApp

    • Social audits

    • MP-led DISHA Committees

    • National Level Monitors

    • Central and State Officials

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