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Pradhan Mantri Gramin Awaas Yojana - General Knowledge Capsule

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Government announced target of Constructing 51 Lakh new houses in Rural areas in Budget 2018-19. under Pradhan Mantri Gramin Awaas Yojana (PMGAY).

  1. Pradhan Mantri Gramin Awaas Yojana (PMGAY) (Or Pradhan Mantri Awas Yojana - Gramin (PMAY - G)), previously Indira Awaas Yojana (IAY), is a social welfare flagship programme aimed at providing housing for rural poor in India. A similar scheme for urban poor was launched in 2015 as Housing for All by 2022.
  2. Indira Awaas Yojana -
    1. IAY Started in 1985 as part of Rural Landless Employment Guarantee Programme (RLEGP). IAY was subsumed in Jawahar Rozgar Yojana in 1989 and has been operating as an independent scheme since 1996.
      1. Jawahar Rozgar Yojana was Discontinued and Restructured into Sampoorna Grameen Rozgar Yojana (SGRY) in 2001. SGRY was later Merged into NREGS in 2006.
    2. Launched as a Separate Scheme since January 1996 by Then PM Rajiv Gandh, as a flagship program of Ministry of Rural Development to construct houses for BPL population in villages.
    3. Financial assistance of 70,000 in plain areas and 75,000 in difficult areas.
    4. Toilet and smokeless chullah required to be constructed along with house, for which additional financial assistance is provided from Total Sanitation Campaign and Rajiv Gandhi Grameen Vidyutikaran Yojana respectively.
      1. Rajiv Gandhi Grameen Vidyutikaran Yojana has been Restructured into Deen Dayal Upadhyaya Gram Jyoti Yojana in 2015.
    5. Indira Awaas Yojana (IAY) was was restructured as Pradhan Mantri Awaas Yojana (PMGAY) w.e.f April 1, 2016 in 2015. PMAY-G was formally Launched by PM Narendra Modi on 20th November, 2016 from Agra in Uttar Pradesh.
  3. Funds Sharing -
    1. Cost sharing between Central and State Governments in 60:40 ratio (It was 75 : 25 in IAY), except North-eastern states and Union Territories (central government share of 90% for NE States and 100% for UTs).
  4. Eligibility -
    1. SC/ST, freed bonded laborers, minorities and non-SC/ST rural households in BPL (Below Poverty Line Category) category, widows and next-of-kin to defense personnel/paramilitary forces killed in action (irrespective of their income criteria), ex-servicemen and retire Scheme
  5. Current Terms -
    1. Minimum size of the house in PMAY-G is 25 (Increased from 20 in IAY).Assistance is increased from 70,000 to 1.20 lakh in plain and from 75,000 to Rs 1.30 lakh in hilly states, difficult areas and IAP district.
    2. There is also a provision of Bank loan upto INR 70,000, if beneficiary desires.
  6. Allocation -
    1. Under PMAY-G, Government targets construction of 1 crore houses with financial implication of INR 81,975 crore for period 2016-17 to 2018-19. Monitoring of implementation is done through MIS-AwaasSoft.
  7. Beneficiary Selection -
    1. Selection of beneficiaries is done by using housing deprivation parameters in Socio Economic and Caste Census (SECC), 2011 date which is to be verified by the Gram Sabhas.
  8. Website -