Context

Union Ministry of Rural Development has come up with a set of penalties that the State governments will have to bear for any further delay in implementation of Pradhan MantriAwasYojana (Gramin).

About

About Pradhan Mantri Awas Yojana-Gramin:

• Launched by: Ministry of Rural Development in 2016
• Aim: To provide a pucca house with basic amenities to all rural families by the end of March 2022. People who are homeless or living in kutcha or dilapidated houses are eligible for benefits.
• At present, the minimum size of the houses to be built under the PMAY-G scheme has been increased to 25 sq. mt. from 20 sq. mt.
• Under PMAY, the cost of unit 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.

Key Features of the Scheme:

• Beneficiaries: Beneficiaries are identified as per the housing deprivation parameters and exclusion criteria prescribed under Socio-Economic Caste Census (SECC) 2011. Gram Sabha verifies the eligible beneficiaries.
• Target: The scheme had a target of construction of 2.95 crore pucca houses for eligible rural households by March 2022.
• Fund sharing pattern-The Centre and the state share the grants under the scheme in the ratio of 90:10 in case of NE States, Himalayan States & Himalayan UTs.
  • For all other States, funds are shared in the ratio of 60:40 by the Centre and the States.
  • In cases of other UTs, entire funds are provided by the Centre.
• Monitoring: The programme implementation is being monitored not only electronically but also through community participation (Social Audit), Member of Parliament (DISHA Committee), Central and State Government officials, National Level Monitors, etc.

Subsidies under PMAY – G scheme

These include:

• Loans up to Rs. 70,000 from financial institution
• Interest subsidy of 3%
• Subsidy for the maximum principal amount is Rs. 2 lakh