- Pradhan Mantri Awaas Yojana – Gramin (PMAY-G), operating since 2016, has become one of India’s largest rural welfare programs.
- It restructured the former Indira Awaas Yojana to advance the ‘Housing for All’ objective in rural India.
About Pradhan Mantri Awaas Yojana – Gramin
- It is a flagship scheme under the Ministry of Rural Development for providing pucca houses with basic amenities to homeless and deprived rural households.
- Extended Target: Initially aimed at building 2.95 crore houses by 2024, it now extends to FY 2028-29 with an increased total target of 4.95 crore.
- Targeted Beneficiaries: Prioritises landless households, with at least 60% of targets allocated to Scheduled Caste (SC) or Scheduled Tribe (ST) households.
- Beneficiary Identification: Identifies beneficiaries through housing deprivation criteria under SECC 2011 and Awaas+ surveys, validated by Gram Sabhas.
- Cost Sharing: Follows a 60:40 Centre-State ratio in plain areas, 90:10 in North-Eastern and Himalayan states, and 100% Central funding for UTs except Jammu and Kashmir.
Key Features
- Housing Norms: Requires a minimum house size of 25 sq m, including a hygienic cooking area.
- Ownership: House registration should primarily be in the name of the female head or jointly.
- Financial Support: Beneficiaries receive Direct Benefit Transfer (DBT) of ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly and North-Eastern states.
- Scheme Convergence: Integrates with MGNREGA for 90–95 days of wage employment and with Swachh Bharat Mission–Gramin for ₹12,000 toilet subsidy.
- Digital Monitoring: Each construction stage is tracked with time-stamped, geo-tagged photos on AwaasSoft, using AI anomaly detection and Aadhaar face authentication.
Key Progress and Achievements
- Housing Progress: About 76.6% of sanctioned houses are completed, with over ₹4,03,886 crore transferred directly to beneficiaries.
- Women’s Empowerment: About 74% of sanctioned houses are owned by women, either solely or jointly with spouses.
- Livelihood Impact: Generated ~568 crore person-days of employment, with 3 lakh rural masons gaining disaster-resilient construction skills.
- Landless Support: 2,68,480 landless beneficiaries received financial assistance or land.
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Source (PIB)
Frequently Asked Questions
What is PMAY-G?
PMAY-G is a flagship rural housing scheme launched in 2016 to provide pucca houses to the rural poor.
Which ministry implements PMAY-G?
It is implemented by the Ministry of Rural Development.
What scheme did PMAY-G replace?
PMAY-G replaced the Indira Awaas Yojana (IAY).
What is the objective of PMAY-G?
Its objective is to achieve “Housing for All” in rural India.
What is the SC/ST allocation under PMAY-G?
At least 60% of houses are allocated to SC/ST households.
Who owns the house under PMAY-G?
Houses are registered in the name of the female head or jointly.
