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.
The two ways are mentioned below-
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.
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.
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.
Primarily, the following categories can avail of all the benefits of this housing scheme-
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
The four significant components of the Pradhanmantri Gramin Awas Yojana is depicted below-
Credit Linked Subsidy Scheme
Under the Credit Linked Subsidy Scheme, 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.
For Business People
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-
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.
Read our article: PM Employment Generation Programme Scheme- An In-Depth Guide