PMAY 2022: This line from ‘Kafeel Azar Amrovi’ is close to everyone’s heart. Only a homeless person can understand the need of a home. In the Rajya Sabha, Central Housing and Urban quoted the 2011 census as saying that there are about 17.73 lakh people homeless in the country. According to the data, 9,38,348 people from urban areas and 8,34,692 from rural areas did not have a house to live in.
Gramin Aawas Yojana Implemented in 2015
To help such citizens of the country, Prime Minister Shri Narendra Modi laid the foundation of Gramin Awas Yojana (PMAY-G). This scheme was implemented in 2015 for the people of rural areas. Under this, some amount is provided as financial assistance for building a house and repairing a broken house.
Objective of Gramin Aawas Yojana
Aawas Yojana 2022: Some people have no land, some have land but no money to build a house, and there are some people who have a house but it is so old and dilapidated that it can collapse at any time. But the financial condition is so bad that even repairs cannot be done. Such people will be helped under the Pradhan Mantri Gramin Awas Yojana 2022. It remains a dream for the poor people to live in their own pucca house. Realizing this dream is the main objective of rural housing scheme
Union Rural Development Minister Sadhvi Niranjan Jyoti told the Rajya Sabha that approval was given to build 2.28 crore houses under this scheme. The total cost of this scheme is Rs 1,30 075 crore. 1.20 lakh for unit assistance in plain area and Rs 1.30 lakh in hilly area.
Assistance amount for Gramin Aawas Yojana
PMAY 2022:Friends, let us tell you that if you apply for this scheme, then how much will be helped by the government. According to this scheme, a subsidy of Rs 2.67 lakh is given by the government to buy a house. For building a house, you can get ₹ 120000 for equivalent land and ₹ 130000 for hilly areas. This amount will be transferred to the bank account of the beneficiaries. It will be shared between the Center and the State Government in the ratio of 60:40 and for hilly areas in the ratio of 90:10. Apart from this, an assistance amount of Rs 12000 will also be given for the construction of pucca toilets.
Project Cost Covered under PMRY Scheme
|Business sector||Rs. 2 lakhs.|
|Service sector||Rs. 5 lakhs.|
|Industry sector||Rs. 5 lakhs.|
Beneficiaries of Pradhan Mantri Gramin Aawas Yojana
Aawas Yojana 2022: Economically weaker sections can take advantage of this scheme. Apart from these, people of middle income group have also been included in this category. Beneficiaries include:-
- Economically weaker or low income section
- Women of any caste or religion
- Middle class 1 and 2
- Scheduled caste section
- Scheduled tribe section
To take advantage of the PMAY-G scheme, the registration form has to be filled. The selection process will be done on the basis of the 2011 census. Candidates can check the names of the selected beneficiaries by visiting the official website of the Ministry of Rural Development at pmayg.nic.in.
Money is provided in three installments
Under the Pradhan Mantri Gramin Awas Yojana (PMAY-G), the beneficiaries are given money in 3 installments. The first installment is paid when the application for money is approved. The second installment is given at the time of foundation and the third and last installment is given at the time of roofing.
1.75 crore house construction work completed
Under the Rural Housing Scheme 2022, the space for housing construction will be increased from 20 square meters to 25 square meters, which includes the area for kitchen. Till March 9, 2022, 1.75 crore houses have been built.
Extended PMAY plan for next 3 years
Aawas Yojana 2022: Under this scheme, it was decided to construct pucca houses for the homeless villagers by 2022. The good thing is that last year i.e. on December 8 in 2021, the Union Cabinet announced to continue this scheme for the next 3 years. This means that now the Pradhan Mantri Gramin Awas Yojana will help the weaker sections to construct pucca houses by March 2024
Construction work of the remaining 155.75 lakh houses will be completed
The scheme will continue till the target set under PMAY-G is 2.95 crore houses. Rural residents who have survived by expanding the scheme will also be able to fulfill their dream of home. Under this construction work of the remaining 155.75 lakh houses will be done which will help in achieving the target of construction of 2.95 crore houses. Rs 198581 crore will be spent by the government in the construction of 155.75 lakh houses.
|Implementation||This scheme is implemented at the state level with the help of banks, Directories of Industries and District Industry Centres.|
|Collateral||Prime Minister Yojana offers the eligible candidate a loan of maximum Rs.1 lakh without any collateral.|
|Tenor||Beneficiaries can avail an extended PMRY loan repayment tenor ranging from 3 years to 7 years.|
|Training facility||Borrowers are also entitled to receive 15-20 days of training under this scheme. The training is mostly aimed at educating about the basics of setting up a business and making sound investments.|
|Subsidy||Prime Minister Rozgar Yojana Scheme also extends subsidy to qualified individuals. They can receive 16% of the project in question’s cost as a subsidy. However, the upper limit for the project cost is set at Rs.12500 per individual.|
|EMI||Beneficiaries have the option to receive a PMRY loan in the form of EMIs. They can also choose to repay the sanctioned loan in monthly instalments.|
Terms and Conditions applied for PM Gramin Awas Yojana
If you want to take advantage of this scheme, then there are some terms and conditions for this which we have shown below.
- Applicants should be resident of India.
- There should not be any adult member in the family between the age of 16 to 59 years.
- There should not be any adult member between the age group of 16 to 59 years in a female headed household.
- Only such a family can take advantage of this in which no adult member above the age of 25 years is educated.
Gramin Aawas Yojana [FAQ]
To see the new list of PM Urban Awas Yojana, first you have to go to its official website, which will open this home page in front of you.After that select Search By Name under Search Beneficiary in the menu, which will open a new page in front of you.
Pradhan Mantri Gramin Awas Yojana has been extended from March 2021 to March 2024. Now the remaining eligible citizens living in rural areas will be able to get a pucca house through this scheme.
To apply online you have to visit the official PMAY website pmaymis.gov.in and fill the Pradhan Mantri Awas Yojana Online Form.
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