Through Pradhan Mantri Gramin Awas Yojana, the target of providing pucca houses to homeless families by 2022 was the government’s dream. The scheme aims to develop 2.95 crore houses. Under this scheme, more than one crore 32 lakh houses have been built across India so far.
The objective of the Pradhan Mantri Gramin Awas Scheme
Some people do not have enough funds and live in the rural areas of our country. They want to build their own pucca house but cannot do so because of their economic condition. Hence, the people of the weaker sections of the rural areas are provided financial assistance by the Government of India to build their own houses. The scheme will make the dream of the poor people achievable. Along with this, the government will provide financial aid of Rs 12000 for building a toilet.
What is the benefit of this scheme?
Under the Pradhan Mantri Awas Yojana-Gramin, financial help is provided to people to build houses. With this, you can get a loan of up to six lakh rupees annually (Pradhan Mantri Gramin Awaas Yojana Online Apply). There is an interest rate of about six percent (Pradhan Mantri Gramin Awaas Yojana Benefits). But if you want more loans, then the loan will be available on the additional amount according to the simple interest rate.
Who are beneficiaries of the PMGA scheme?
- economically weaker section
- women of any caste or religion
- middle class 1
- middle class 2
- scheduled caste
- scheduled tribe
- low-income people
Features of Pradhan Mantri Gramin Awas Scheme
-Under this scheme, to construct one crore houses, the government will give financial support.
-Under the scheme, the space for housing construction will be increased from 20 square meters to 25 square meters, including the kitchen area.
-The scheme focuses on providing unit assistance in plain areas with Rs 1.20 lakh. For hilly areas, the unit assistance is Rs 1.30 lakh.
-Scheme’s overall cost is Rs 1,30 075 crore. The amount will be borne by the Central Government and the State Governments in the ratio of 60:40.
-The classification of problematic areas in a state will have to be done by the state governments. Such classification shall be done based on the existing classification in the State under any other provision and using the criteria-based methodology.
-Himachal State – Jammu and Kashmir and Himachal Pradesh, and Uttarakhand will also be included in this category.
-Union Territories will get 100% financial support from the central government.
Eligibility of PM Gramin Awas Yojana 2022
-The applicant must be an Indian resident.
Under PM Gramin Awas Yojana 2022, it is for families with no adult member between 16 to 59 years.
Female-headed households should not be any adult members between the ages of 16 to 59 years.
-Family should not have any adult member who is literate and above 25 years of age.
-People paying income tax and professional tax are not eligible under the scheme.
If at least one member is earning above Rs 10,000 monthly in any family or working with the government is not eligible.
Documents required for the scheme
- Aadhar Card
- applicant’s identity card
- Applicant’s bank account (linked with aadhar card)
- mobile number
- passport size photo
How to register online for Pradhan Mantri Gramin Awaas Yojna 2022?
Under this scheme, only people from rural areas can apply whose name will be in the 2011 Socio-Economic Caste Census List. If your name is on this list, you will be given a username and password for online registration from the regional panchayat. Under PMAY Gramin 2022, you need to enter your username and password for filling out the form. The scheme involves the three phases for completing the process of the application under Pradhan Mantri Gramin Awas Yojana will be completed.
Pradhan Mantri Gramin Awas Yojana Selection
For this scheme, the beneficiaries of rural areas will be selected according to the 2011 Socio-Economic Caste Census (SECC) data. Those interested in the scheme can also apply online and offline under Pradhan Mantri Gramin Awas Yojana 2022. Candidates can visit the official website of this scheme https://pmayg.nic.in/ for registration. They can also apply online through Regional Panchayat and Public Service Center (CSC).
FAQs
There are online and offline options to apply for the scheme. For online mode, one can visit the official website. To apply offline, one can visit the listed bank or Common Service Center.
Only new home loans are eligible for it. However, in the case of a new home loan, you can use the subsidy calculator to know the exact amount.
Yes, it is possible to check the application status online by entering your assessment ID or details like mobile number, username, etc.
