Pradhanmantri Gramin Awas Yojana has been initiated by the Central government in order to provide every citizen of the nation their own house. The overall process of PMAY-G has been made online by the Indian government. Now you can proceed ahead for checking the Pradhanmantri Gramin Awas Yojana List at home.
The core objective of the Rural Housing Scheme List is to extend the facility to every citizen so that they can see their name in the beneficiary list without going anywhere and simply sitting at home. There is no need to visit any government office to see your name on this list. You would have to go to the official website, and after reaching there, you will be able to observe your name in the PMAY-G list. Due to the availability of this list online, you will able to save your time as well as money. Also, there will be the presence of transparency in the system.
PMAY Gramin List 2021
- Under the new list of this Yojana, the names of the beneficiaries will be released.
- Under the PMAY-G New List, those beneficiaries whose names have been picked for this scheme will come.
- In the Prime Minister Rural Housing Scheme list as well as PMAY-G latest revised list, only those beneficiaries who will be named will be eligible to avail of this scheme and can obtain the much-needed money to construct a permanent house.
- You will get the basic details along with the bank account details of the beneficiary in the online list of this scheme.
- Beneficiaries can proceed ahead for searching the Pradhanmantri Gramin Awas Yojana List 2021 in 2 ways.
The two ways are mentioned below-
More than 6 lakh people have Received Benefits under Pradhanmantri Gramin Awas Yojana
- On 20 January 2021, PM Narendra Modi Ji has circulated information concerning financial assistance of Rs. 2691 crore for the UP beneficiaries under the Rural Housing Scheme.
- This financial support was announced via video conferencing by PM Narendra Modi Ji.
- This amount has been delivered to the bank account of several beneficiaries via a single click. Around 6.1 lakh beneficiaries will be reaping benefits through this financial assistance scheme.
- On this occasion, a major chunk of the beneficiaries of the Yojana has interacted with the Indian Prime Minister.
- Out of these total 6.1 lakh beneficiaries, 5.30 lakh beneficiaries have been bestowed with the first instalment amount & over 80000 beneficiaries have been granted the second instalment.
- Union Rural Development Minister Narendra Singh Tomar, Uttar Pradesh Chief Minister Yogi Adityanath, and Uttar Pradesh Governor Anandiben Patel were also present on occasion.
- Till now, under the PM Gramin Awas Yojana, about 1.26 crore pucca houses have been constructed across the Nation.
- Through this Yojana, the construction space has been expanded from 20 sq. meters to 25 sq. meters.
- It also entails the kitchen area.
- Under the roof of Pradhan Mantri Gramin Awas Yojana, Rs 1.20 lakh will be made available in the plains as well as Rs 1.30 lakh will be given in the hilly areas.
- The scheme was commenced in 2015.
- Folks who belong to the more vulnerable sections of the Nation are getting financial assistance to develop their own pucca house and to renovate the old house under the Pradhanmantri Gramin Awas Yojana.
Selection of PM Rural Housing Scheme beneficiaries
Under this Yojana, houses of more than one or even two rooms of Scheduled Tribes, Scheduled Castes, Minorities as well as families of such category won’t be getting priority. Through this scheme, the selection or ascertainment of beneficiaries will take place on the basis of the numerous parameters exhibiting the housing deficit in the SECC 2011 data. Eventually, the validation will be done by the Gram Sabha.
Under the Prime Minister Gramin Awas Yojana list, those beneficiaries will be picked in place of the BPL list as per the SECC 2011 data for poverty-stricken and homeless families or those residing in houses with one or two rough walls as well as mud ceilings. Priority will be provided to the first of the eligible beneficiaries on the basis of each category of homeless families as well as one or two raw rooms such as SC, ST, Minorities and others.
Pradhanmantri Gramin Awas Yojana: Total Cost
- The overall cost for the construction of around one crore houses under this Yojana is 1, 30, 075 crores.
- This entire cost will be borne on the basis of a ratio of 60:40 of the Central Government & the State Government.
- There will be a variation in the ratio.
- In the case of states in the North East Region & three states viz. Jammu Kashmir, Uttarakhand, and Himachal Pradesh it is likely to be 90: 10, respectively.
- The overall cost will be borne by the Central government in the case of Union Territories under the Gramin Awas Yojana 2021.
- The central share in the entire cost under this Yojana will be Rs. 81,975 crore, out of which due about Rs. 60000 crore has been met with proper budgetary support.
- In addition to this, the remaining Rs 21,975 crore will be met by acquiring a loan from National Bank for Agriculture & Rural Development that is going to be rectified after 2022 with budgetary lending.
Mission
Under this Yojana, the government is all set to provide support in relation to the construction of 1 crore pucca houses to the desired beneficiaries till 2022. On the cornerstone of the 2011 census, the selection of beneficiaries will take place under this Gramin Awas Yojana.
Through PM Gramin Awas Yojana 2021, the funds conferred to economically backward and needy families in rural parts of India to construct pucca houses will be transferred to the bank account directly, and with the support of this amount, folks who reside in rural areas can fulfil their dream of creating their home.
Loan Availability under the Pradhanmantri Gramin Awas Yojana
Under the Pradhanmantri Gramin Awas Yojana, the loan is granted for a maximum period of 30 years. If the beneficiary attains the age of 65 years before the completion of a time duration of 30 years, then he/she would have to pay the loan first before reaching the age of 65 years. If a person wishes to pay the loan even before this time frame, then he/she can do it.
Beneficiaries of PM Awas Yojana 2021
Primarily, the following categories can avail of all the benefits of this housing scheme-
Tax Benefits
Under the Pradhanmantri Gramin Awas Yojana, the government has granted substantial tax exemption, which is as mentioned below-
Section 80C- Rebate of about 1.5 lakhs P.A. in income tax on payment of the principal amount with respect to home loan
Section 24 (b) – Income tax rebate of about Rs. 2 lakh per year on interest payment on the home loan
Section 80EE- First time home buyers are eligible to get tax relief of up to Rs. 50,000 per year
Section 80EEA- In case, if your property comes under the category of affordable housing, you are likely to get an income tax rebate on interest payments of up to Rs 1, 50, 000 every year
Components of Pradhanmantri Gramin Awas Yojana 2021
The four significant components of the Pradhanmantri Gramin Awas Yojana is depicted below-
Credit Linked Subsidy Scheme
Under the Credit Linked Subsidy Scheme[1], subsidy will be extended by the government on home loan interest rates. Moreover, this subsidy has been defined separately for all classes.
In Situ Slum Redevelopment
Through In Situ Slum Redevelopment Yojana, houses will be provided by the government to the needy families living in slum areas. Coupled with private organizations, the government will be rehabilitating slum settlements with land as a vital resource.
Affordable Housing in Partnership
Financial assistance of one & a half lakh rupees will be granted by the central government to financially unhealthy families to buy houses under this Yojana.
Individual House Construction as well as Enhancement led by Beneficiaries
Through this Yojana, one & a half million rupees will be furnished by the government for the construction as well as the enhancement of the house.
Eligibility Criteria
- The applicant must not have any pucca house.
- The annual income of the family would have to be Rs. 1,800,000 or less.
- The applicant must not already avail of any housing scheme.
- On the ground floor, senior citizens and disabled people will be getting the utmost Priority.
- The construction of the house needs to be completed within the time limit of 36 months of the first installment.
- The applicant does not pay any kind of tax.
- There is no need for the applicant to have a government job. If the applicant has a government job, the applicant’s income must be Rs. 10000 or less.
- The cardholders of Kisan Credit Card will be beneficiaries whose limit will be about Rs. 50000 or more under this scheme.
- The applicant should not have any motorized vehicle, fishing boat, or agricultural equipment.
- SC, ST as well as Minority categories can avail of this scheme.
Pradhanmantri Gramin Awas Yojana: Essential documents
For jobbers
- Identification Proof
- Proof of Income
- Documents related to Property
For Business People
- Business Address Proof
- Proof of Income
Other Documents
- Account Description
- Aadhaar Card Bank
- No Objection Certificate provided by Housing Society
- Ethnic Group Certificate
- An Affidavit exhibiting that the Applicant does not have a Pucca House
- MNREGA beneficiaries job card number
- Swachh Bharat Mission Number
- Salary Certificate
How to see Pradhanmantri Gramin Awas Yojana List 2021?
The beneficiaries who are searching their name in the list of PM Rural Housing Scheme 2021 would have to go through the procedure defined below-
- Firstly, the beneficiaries will have to visit the official website of Pradhanmantri Gramin Awas Yojana.
- Thereafter, the option “Stakeholders” will be displayed on the home page of the official website.
- After moving to the Stakeholders option, click on “IAY / PMAY-G” beneficiary.
- Once you hit the option, a new window will open along with the required details.
- If you are willing to check the online PMAYG list as well as registration number, then you must provide the registration number, and then you have to click on submit button.
- If you don’t have a registration number, proceed ahead and click on the “Advance Search” option. Now, you need to provide all the necessary details. Opt for the plan type and then click the submit button.
How to Calculate the Prime Minister Rural Housing Scheme Interest Rate?
- Under this Yojana, the poor and underprivileged people of the Nation who want to develop their own house but don’t have money, then you may take a loan of about six lakhs rupees at an interest rate of 6% per annum.
- In case if you need more money to construct your house, then you may take a loan on that extra amount with a simple interest rate.
- If the folks of the Nation want to calculate their home loan amount as well as interest rate, then they may calculate the monthly installment by visiting the online website as per the the interest rate.
- Firstly, you would have to visit this official website. After landing on the official website, the home page will open in front of you.
- The option of Subsidy Calculator will be available on this page. You need to click on this option.
- After clicking on the Subsidy Calculator option, here you will come to learn about the subsidy amount after entering the loan period, loan amount, interest rate etc.
Pradhanmantri Gramin Awas Yojana: How to See SECC Family Member Details?
- Firstly, there is a need to visit the official website of the scheme. After reaching the official website, the home page will open in front of you.
- You will see the option of Stakeholders on this home page. You would have to click on the option of SECC Family Member Details from this option.
- The next page will come out after clicking on the option.
- Select your state as well as fill the PMAY ID on this page.
- After this, you need to hit the button of Get Family Member Details.
- After that, you will easily get member details.
How to check FTO tracking?
- First of all, you would have to go to the official website.
- After reaching the official website, the home page will open in front of you.
- You will see the option of Awaassoft.
- You will have to hit the option of FTO Tracking from this option.
- Thereafter, clicking on the option, the next page will open in front of you.
- You would have to fill in the FTO Password or PFMS ID on this page.
- Then, you need to enter the captcha code & click on the submit button.
Pradhanmantri Gramin Awas Yojana Mobile Application: How to Download?
- First of all, you must go to the Gramin Awas Yojana official website.
- After moving to the official website, the home page will open in front of you.
- You will get to see the Google Play option on this home page on the top right side.
- You would have to click on this option.
- After hitting the option, the next page will open in front of you.
- You can install Awas App on this page.
E-payment Process
- First of all, you have to tour the official website of Pradhanmantri Gramin Awas Yojana.
- Now the home page will emerge out.
- On the home page you would have to click on Awassoft’s link.
- After this, you have to click on the option of e-payment.
- Prime Minister Rural Housing Scheme List
- Now you must enter your mobile number and log in.
- After this, you can make a payment by selecting the payment method.
Pradhanmantri Gramin Awas Yojana: Feedback Process
- Move to the official website of Pradhanmantri Gramin Awas Yojana at an initial level.
- Now the home page will appear on the screen in front of you.
- You would have to click on the link on the right side on the home page.
- After that you would have to click on the link for feedback.
- After that, a new form will open in front of you.
- You would have to submit your name, email id, mobile number, and giving feedback.
- In this way you can render your feedback.
Procedure for Filing Public Grievance
- Firstly, visit the Pradhanmantri Gramin Awas Yojana official website.
- Thereafter, the home page will come out.
- On the home page, you would have to click on the link on the right.
- After this, you will have to click on the link of Public Grievances.
- Then, a new website will come out.
- You have to hit the option of Grievance.
- Now, you need to click on the link of Lodge Public Grievances.
- Now, you may log in & fill your grievance form.
- Then, you can enter your Grievance.
Pradhanmantri Gramin Awas Yojana 2021: Procedure for Checking Grievance Status
- Firstly, visit PM Gramin Awas Yojana official website.
- After that, the home page will open in front of you.
- You will have to click on the link on the right on the home page.
- Then, you need to click on the link of Public Grievances.
- Now, a new website will come out.
- Thereafter, you need to click on the option of Grievances.
- Then, you would have to click on the link to view status.
- Now, you would have to submit your email ID, registration number, or mobile number & security code by filling it.
- Your grievance status will be available on your computer screen.
Summing Up
Pradhanmantri Gramin Awas Yojana is a great initiative that ensures housing amenities for rural or semi-urban folks all over India. The entire process has been simplified and made accessible by Central Government. At Aatmnirbhar Sena, we are increasing awareness about Pradhanmantri Gramin Awas Yojana, and we believe that it will reach up to the maximum number of people.
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