All the benefits of pradhan mantri awas yojana gramin you should know

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Pradhan Mantri Awas Yojana Gramin is the main program initiated by the central government to build new homes for everyone. The scheme is meant for the poor in rural areas. It would give those living in kutcha and pucca houses a clean kitchen and all the basic things they need. This scheme has replaced the Indira Awaas Yojana, a similar social welfare program begun by the government in 1985. Pradhan Mantri Awas Yojana Gramin is known as one of the most comprehensive social programs.

What is PMAY-G?

The primary objective of PMAY-G is to provide pucca housing with some of the basic necessities. This initiative is for people who do not own a home, live in houses that are severely damaged, or have kutcha houses. The minimum size of the homes under the PMAY-G program is 25 square meters.

The PMAY-G comes under the Housing for All program. The federal government projects that this program will be fully implemented by 2022.

Features of the Pradhan Mantri Awas Yojana Gramin Scheme

The most important parts of this comprehensive plan for social welfare are:

  • The central and state governments would share the cost to help the rural poor pay for housing. The ratio of the central government’s share to the state government’s share is 60:40. The government would provide total assistance of Rs. 1.20 lakhs to all units in non-hilly states.
  • For the union territory of J&K, the northern states, and the Himalayan states, the ratio is 90:10. Also, they will get the assistance of Rs. 1.30 lakh for each unit.
  • The PMAY-G project will replace all the temporary homes.
  • Each recipient of assistance under this program would also receive ₹90.95 per day for unskilled labor under the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS).
  • The SECC and caste census will determine who will get aid based on how well off they are. After that, the relevant gram sabha will look into the data and pass it on to the government.
  • Under the Pradhan Mantri Awas Yojana Gramin, the payments will be transferred straight into the bank accounts of the beneficiaries. Aadhaar data will also be checked to ensure that payments are made to everyone who needs them.
  • Swachh Bharat Mission-Gramin (SBM-G) and MGNREGS together will provide up to Rs. 12,000 for the construction of toilets.

Pradhan Mantri Awas Yojana Gramin: Benefits

1. Generous Financial Aid for All Citizens

Depending on the income level, the government offers credit-linked subsidies to economically weaker sections (EWS), low-income groups (LIG), and middle-income groups. The only condition is that the applicant or any of their family members should not already be homeowners.

2. Housing for All Social Classes

The government intends to build 2 crore affordable homes in well-known urban areas for people who qualify under the PMAY scheme. In states like Maharashtra, West Bengal, and Tamil Nadu, the development of such residences has already started. The government wants to raise the living standards of several people through this development scheme.

3. Nationwide Housing Construction

The PMAY program is not only available in urban areas. Rural low- and middle-income people are also given consideration. The Pradhan Mantri Awas Yojana ensures growth in real estate and other related sectors in remote regions.

4. Employment Advantages

The Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS), which is part of the PMAYG 2021–22 scheme, offers the applicants 90–95 days of employment in addition to housing support.

5. Support for Building Toilets

Each beneficiary will also receive ₹12,000 to build toilets, whether through the Swachh Bharat Mission or another program.

6. Different Housing Designs

In accordance with terrain, climate, culture, and other housing practices, the beneficiaries are given a choice among several modern house designs.

Pradhan Mantri Awas Yojana Gramin: Apply Online

Here are the steps for Pradhan Mantri Awas Yojana Gramin online apply that should be followed to add a new beneficiary to this program:

  • Step 1: Visit the PMAY website 
  • Step 2: Tap on “Citizen Assessment” and then click on “For Slum Dwellers” or “Benefits under other 3 components,” depending on what you need.
  • Step: 3 – Enter Aadhaar card information
  • Step 4: This will take you to the application page, where you’ll need to fill out all the information correctly.
  • Step 5: Fill out your name, phone number, other personal information, bank account information, and information about your income, among other things.
  • Step 6: When you’re done, click “Save” and enter the captcha code.
  • Step 7: Click the “Save” button to finish. Now that the application is finished, you can take a printout.

How to Apply Pradhan Mantri Awas Yojana Gramin Offline?

People can apply for the Pradhan Mantri Awas Yojana Gramin program offline. To do that, you can go to a Common Service Center (CSC), which is run by the governments of the state and union territory. There, you have to pay Rs. 25 plus GST and fill out the application form that the staff gives you.

It’s important to note that the Ministry of Housing and Urban Affairs (MOHUA) has not given permission to any private organization or individual to collect this fee from any recipient of this scheme.

PMAY-G: Exceptions

It gave a list of reasons why someone would not be eligible for a Pradhan Mantri Awas Yojana Gramin Rural unit.

  • The Pradhan Mantri Awas Yojana will not help the family if an adult member is literate and over 25.
  • Taxpayers and tax professionals
  • People who own landlines and refrigerators should not use PMAY-HFA.
  • People who work for the government and earn more than Rs 10,000 per month are not eligible for assistance under the Pradhan Mantri Awas Yojana.
  • People with a Kisan Credit Card (KCC) limit of Rs 50,000 or more cannot use PMAY-HFA (rural).
  • The Pradhan Mantri Awas Yojana is not open to anyone who possesses motorized two-wheelers, three-wheelers, four-wheelers, farming implements, or fishing boats.


This program aims to give every homeless person living in a kutcha or old house a pucca house with basic amenities. If you want more information, please visit the Piramal Finance website.