Pradhan Mantri Awaas Yojna – Gramin (PMAY-G)

Name of the scheme :

# Pradhan Mantri Awaas Yojna – Gramin (PMAY-G) Visit Website

Brief description :

To address the gap in rural housing and in view of Governments’ commitment to provide “Housing for All” by 2022, the scheme of IAY has been re-structured into Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) w.e.f. 1st April, 2016. The programme has been launched on 20th November, 2016 at Agra. In continuation to this the programme got launched in Jharkhand on 1st February, 2017.

Aim and Objective :

PMAY-G aims to provide a pucca house with basic amenities to all houseless and households living in kutcha and dilapidated house by 2022. The immediate objective is to cover 5.00 lakh households living in kutcha house/dilapidated houses in three years from 2016-17 to 2018-19 and ensure construction of quality houses.

Salient Features of PMAY-G :

  • The minimum unit (house) size enhanced from the existing 20 to 25 including a dedicated area for hygienic cooking.
  • Enhancement of unit assistance from Rs. 70,000 to Rs. 1.20 lakh in plains and from Rs 75,000 to Rs.1.30 lakh in hilly states, difficult areas and IAP districts.
  • The cost of unit (house) assistance is to be shared between central and state governments in the ratio 60:40 in plain areas and 90:10 for north-eastern and hilly states.
  • Identification of beneficiaries using SECC-2011 data. The identification and selection of the beneficiaries shall be done by the community through the Gram Sabha, from the SECC 2011 list, based on the housing deficiency and other social deprivation parameters.
  • If the beneficiary so chooses, he/she will be facilitated to avail loan from Financial Institutions for an amount of upto Rs 70,000.

Beneficiary Identification and Selection Criteria :

Fairness and transparency in identification and selection of beneficiaries is the cornerstone for realizing the goal of ‘Housing for All’. To ensure that assistance is targeted at those who are genuinely deprived and that the selection is objective and verifiable, the housing deprivation parameters in the SECC data will be used for identifying households and then selected by the Gram Sabhas.

Moving away from BPL list, the universe of eligible beneficiaries under PMAY (G) will include all the houseless and households living in zero, one or two room kucha houses as per SECC data, subject to the exclusion process described.

There will be multilayered prioritization within the universe of eligible PMAY (G) beneficiaries. Priority will first be assigned on the basis of parameters reflecting housing deprivation in each category viz., SC/ST, Minorities and Others. To begin with, households will be prioritized based on houselessness followed by the number of rooms; zero, one and two rooms, in that order. In a particular social category viz., SC/ST, Minorities and Others, households which are houseless or living in houses with lower number of rooms shall not be ranked below households living in houses with higher number of rooms.

Within the above priority groups, households that fulfill the criteria of automatic inclusion, as defined in SECC, will be further elevated. Automatically included households shall not rank lower than other households within a priority group. Inter se priority within the two sub groups viz. households which are automatically included and otherwise, will be determined based on their cumulative deprivation scores. The scores will be calculated from the socio economic parameters given below with each having equal weight.

  • Households with no adult member between age 16 to 59.
  • Female headed households with no adult male member between age 16 to 59.
  • Households with no literate adult above 25 years.
  • Households with any disabled member and no able bodied adult member.
  • Landless Households deriving the major part of their income from manual casual labour.
  • Households with higher deprivation scores will be ranked higher within the sub groups.

Verification of Priority Lists by Gram Sabha :

Once the category wise priority lists are made available and suitably publicized, a Gram Sabha will be convened. The Gram Sabha will verify the facts based on which the household has been identified as eligible. If the inclusion has been done based on wrong facts, if the household has constructed a pucca house or has been allotted a house under any government scheme or migrated since the time of the survey, the Gram Sabha shall delete the name of such families. The list of deleted households, including reasons for deletion, will form part of the minutes of the Gram Sabha resolution.

In case there is a tie with more than one household within a sub group having the same deprivation score, the Gram Sabha will rank the households by according priority on the basis of the following parameters:

  • Households with widows and next-of-kin of members of defence/paramilitary/police forces killed in action.
  • Households where a member is suffering from leprosy or cancer and People living with HIV (PLHIV).
  • Households with a single girl child.
  • Beneficiary families of the the Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006, commonly known as Forest Rights Act.
  • Transgender persons.

The Gram Sabha may also record its opinion about households to be added to the priority list which are not included in SECC list and which though included in SECC list have not been included in the priority list, in the minutes of the resolution. Thereafter, the following lists, prepared as per the Gram Sabha resolution, are to be forwarded to the BDO or any block level official, as entrusted by the State/UT, for further action.

  • List of deleted households.
  • List of eligible households with ranking.

List of households which may be included/added to the priority list – The list may include households which were not enumerated during the SECC survey or households which though enumerated have not been included in the priority list despite being eligible for receiving assistance under PMAY (G).

Exclusion Process :

Step 1: Exclusion of pucca houses- All households living in houses with pucca roof and/or pucca wall and households living in houses with more than 2 rooms are filtered out.
Step 2: Automatic Exclusion– From the remaining set of households, all households fulfilling any one of the 13 parameters listed below are automatically excluded:-

  • Motorised two/three/four wheeler/fishing boat.
  • Mechanised three/four wheeler agricultural equipment.
  • Kisan Credit Card with credit limit of Rs.50,000 or above.
  • Household with any member as a Government employee.
  • Households with non-agricultural enterprises registered with the Government.
  • Any member of the family earning more than Rs.10,000 per month.
  • Paying income tax.
  • Paying professional tax.
  • Own a refrigerator.
  • Own landline phone .
  • Own 2.5 acres or more of irrigated land with at least one irrigation equipment.
  • 5 acres or more of irrigated land for two or more crop seasons.
  • Owning at least 7.5 acres of land or more with at least one irrigation equipment.

Criteria for Automatic Inclusion :

  • Households without shelter .
  • Destitute / living on alms.
  • Manual scavengers.
  • Primitive Tribal Groups.
  • Legally released bonded labourer.


Unit Assistance to the Beneficiary :

Under PMAY-G the beneficiary is provided a unit assistance of Rs.1.20 lakh in plain areas and 1.30 lakh in hilly & difficult areas and IAP districts for house construction.
Additionally upto 90/95 mandays of unskilled labour during house construction is provided under Mahatma Gandhi NREGA. This may be availed by the beneficiary himself, and in case where the beneficiary has exhausted his 100 days under NREGS or if the beneficiary is old and for some reasons unable to work by himself, the labor may be contributed by another worker seeking work under NREGS.
Houses sanctioned under PMAY-G are also eligible to receive assistance of Rs.12,000 for the construction of toilet from Swach Bharat Misison (G) or any other dedicated financing source.

Unit Assistance to the Beneficiary :

The minimum size of the house to be 25 square meters including a cooking space and a toilet.

Mode of Construction :

The house shall be constructed or got constructed by the beneficiary himself/herself under PMAY-G. No contractor should be engaged by the State in construction of houses. The house should also not be constructed by any Government department/agency other than where specifically mentioned.

Time Limit for Completion of House by the Beneficiary :

The construction of house should be completed in 12 months from the release of first installment. House construction can have only the following stages :

  • House sanctioned
  • Foundation
  • Plinth
  • Lintel
  • Roofcast and Completion

Process of Installment Release :

Beneficiary will get release of installment 5 stages given below:

  • First Installment: First installment (26000/- or 24000/-) get released just after the sanction of the house. Installment amount get credited into beneficiary account direct through DBT. On sanction and receipt of the first installment, beneficiary starts house construction. Prior to release of first installment it is mandatory to geo tag the existing house and proposed vacant site.
  • Second Installment: When the house construction work completed up to plinth level, then the construction stage will be inspected and geo tagged for release of 2nd installment (32500/- or 30000/-). Panchayat Sevak or Panchayat Swaiyam Sevak will inspect the construction site and geo tag the photo image through AwaasApp.
  • Third Installment : When the house construction work completed up to Lintel level, then the construction stage will be inspected and geo tagged for release of Third (3rd) installment (52500/- or 48000/-). Panchayat Sevak or Panchayat Swaiyam Sevak will inspect the construction site and geo tag the photo image through AwaasApp and Beneficiary will start the Roofcast.
  • Fourth Installment : When the house construction work completed up to Roofcast level, plastering work get completed then the construction stage will be inspected and geo tagged for release of Fourth (4th) installment (13000/- or 12000/-). Panchayat Sevak or Panchayat Swaiyam Sevak will inspect the construction site and geo tag the photo image through AwaasApp.
  • Fifth Installment : When the house construction work completed, Door and widow get installed , painted as per colour pattern the final stage will be inspected and geo tagged for release of Fifth (5th) installment (6500/- or 6000/-). Panchayat Sevak or Panchayat Swaiyam Sevak will inspect the construction site and geo tag the photo image through AwaasApp. On release of the final installment BDO will also issue a completion certificate to the beneficiary.

Convergence :

Pradhan Mantri Awaas Yojna – Gramin will converge with MGNREGA for labour payment while house construction. 90/95 mandays labour payment will ensured and to get the benefit of this each PMAY-G beneficiary has to provide job card number while registration. On work progress made following mandays will be paid :

Toilet Construction :

For toilet construction additionally 12000/- will be paid each PMAY-G beneficiary for payment of 12 mandays against labour payment and material procurement through either MGNREGA or SBM.

LPG Gas Connection :

Each PMAY-G house will be provided one unit LPG Gas Connection through Pradhan Mantri Uzwala Yojna. For this it is mandatory to construct a kitchen with cooking slab in each PMAY-G house.

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