PM Awas Yojana Gramin: How to apply, how to check the list, and what are the eligibility criteria? Find out here..

Pradhan Mantri Awas Yojana Gramin: To provide permanent houses to poor and needy people in the rural areas of the country, the central government announced a new scheme in 2016: Pradhan Mantri Awas Yojana-Gramin (Prime Minister's Housing Scheme-Rural). Under this scheme, the central government provides financial assistance of up to Rs. 1.30 lakh for the construction of a permanent house.

Registration for this scheme has resumed. The survey work is underway. If you also want to avail the benefits of this scheme, apply without delay. In fact, a scheme called Indira Awas Yojana was launched in 1996 to provide permanent houses to the poor people of the country. However, a review after 2014 found that the scheme needed improvement. On April 1, 2016, under the leadership of Prime Minister Narendra Modi, the Ministry of Housing and Urban Affairs launched the 'Pradhan Mantri Awas Yojana-Gramin' (PM Awas Yojana-G). This scheme aimed to provide permanent houses to those who do not have a roof over their heads or who are forced to live in slums.

What happens after the PM Awas Yojana survey?
The Housing Plus survey is conducted for the Pradhan Mantri Awas Yojana. Those who have had their land surveyed under the Housing Plus scheme will now undergo verification, and a list will be prepared at the Gram Panchayat level.

What is PM Awas Yojana Gramin?
Under the Prime Minister's 'Housing for All' mission, the minimum land area has been increased to 25 square meters (approximately 30 square yards) and includes a kitchen. By 2022, 2 crore houses had already been built out of the target of 2.72 crore. Now, registrations are being done under PM-Awas Yojana 2.0. Through this scheme, the central government transfers money for house construction directly to Aadhaar-linked accounts. This scheme aims to ensure that poor people also get clean houses equipped with basic amenities.

What are the benefits of Pradhan Mantri Awas Yojana Gramin? Financial assistance of ₹1,30,000 per unit in hilly areas
Assistance of ₹1,30,000 per unit in the Himalayan states, the Northeast, and Jammu & Kashmir
Loan facility at 3% interest rate up to ₹70,000 for constructing a permanent house
Subsidy can be availed on the principal amount up to ₹2,00,000
The house should have a minimum size of 25 square meters, including a clean kitchen
Assistance of ₹12,000 for constructing a toilet under the Swachh Bharat Mission-Gramin
Guarantee of work for up to 95 days under MNREGA
Every household will be provided with an LPG connection under the Pradhan Mantri Ujjwala Yojana.
Facilities like drinking water connection and electricity connection will also be provided under other government schemes.

What are the eligibility criteria for the PMAYG scheme?
Those who do not have a permanent house and live in dilapidated कच्चा (mud/thatched) houses
Homeless people
People who earn a living by begging
Rag pickers or sanitation workers
People belonging to tribal groups
People rescued from bonded labor

Who will not receive the benefits of the PMAY-G scheme?
All those who are living in a permanent house with more than 2 rooms
If you own a two-wheeler, car, or boat
If you own three or four-wheeler agricultural equipment
If you have a credit card with a limit of ₹50,000 or more
If any member of the family has a government job
People engaged in non-agricultural enterprises registered with the government.
If any member of the family has an income of more than ₹10,000
If you pay income tax or professional tax
If you own a refrigerator or a landline phone
More than 2.5 acres of irrigable land, along with an irrigation device
More than 5 acres of agricultural land where more than two crops are grown in a season
More than 7.5 acres of land with at least one irrigation device
What documents are required for the PM Awas Yojana Gramin (Rural)?
Self-attested copy of Aadhaar card; if the applicant is illiterate, a thumb impression is required.
Job card issued under MGNREGA
Complete bank account details and a photocopy of the same
Swachh Bharat Mission (SBM) number
Affidavit stating that the beneficiary does not own any permanent house.

How to apply online for PM Awas Yojana?
The application process for Pradhan Mantri Awas Yojana-Gramin has 4 sections: Personal Details, Bank Account Details, Convergence Details, and Details of the Concerned Office. The complete application process is given below:
First, go to the official website https://pmayg.nic.in/netiayHome/home.aspx.
Fill in the information such as name, mobile number, and Aadhaar number in the Personal Details section.
Upload the consent for using the Aadhaar card.
Now, click on the Search button to find the name, PMAY ID, and priority from the Beneficiary List.
Now click on "Click to Register," and the beneficiary's information will automatically appear.
Now fill in other information in the same section, such as type of ownership, Aadhaar number, and relationship.
Upload the consent for using the Aadhaar card.
In the next section, fill in the beneficiary's bank account details.
If you also require a loan, select Yes and enter the loan amount.
In the next section, fill in the MGNREGA job card number and Swachh Bharat Mission (SBM) number.
The subsequent section will be filled out by the concerned office.

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