Name of the Scheme – Pradhan Mantri Awas Yojna – Rural
Department – Directorate of Rural Development
Scheme for : Individual
Where to Apply : BDO office
When to Apply : Depends on Ministry direction
Aim and Objective
PMAY-G aims to provide a pucca house with basic amenities to all houseless and households living in kutcha and dilapidated house by 2022. The immediate objective is to cover 1.00 Crore households living in kutcha house/dilapidated houses in three years from 2016-17 to 2018-19 and ensure construction of quality houses.
Salient Features of PMAY-G
Providing assistance for construction of 1.00 crore houses in rural areas over the period of 3 years from 2016-17 to 2018-19. The minimum unit (house) size enhanced from the existing 20 sq.mt. to 25 sq.mt including a dedicated area for hygienic cooking.
Enhancement of unit assistance from Rs. 70,000 to Rs. 1.20 lakh in plains and from Rs 75,000 to Rs.1.30 lakh in hilly states, difficult areas and IAP districts. The cost of unit (house) 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.
Identification of beneficiaries using SECC-2011 data. The identification and selection of the beneficiaries shall be done by the community through the Gram Sabha, from the SECC 2011 list, based on the housing deficiency and other social deprivation parameters.
Setting up of National Technical Support Agency at national level to provide technical support in achieving the target set under the project. The beneficiaries of PMAY-G in addition to being provided financial assistance shall also be offered technical assistance in the construction of the house.
If the beneficiary so chooses, he/she will be facilitated to avail loan from Financial Institutions for an amount of upto Rs 70,000.
Meeting the additional financial requirement by borrowing through National Bank for Agriculture and Rural Development (NABARD) to be amortised through budgetary grant after 2022.
Special Projects to be sanctioned to states based on situational exigencies and special needs.
IDENTIFICATION AND SELECTION OF BENEFICIARIES
Fairness and transparency in identification and selection of beneficiaries is the cornerstone for realizing the goal of „Housing for All‟. To ensure that assistance is targeted at those who are genuinely deprived and that the selection is objective and verifiable, the housing deprivation parameters in the SECC data will be used for identifying households and then selected by the Gram Sabhas.
Universe of Eligible Beneficiaries
Moving away from BPL list, the universe of eligible beneficiaries under PMAY (G) will include all the houseless and households living in zero, one or two room kucha houses as per SECC data, subject to the exclusion process described in
Prioritisation within the Universe
- There will be multilayered prioritisation within the universe of eligible PMAY (G) beneficiaries. Priority will first be assigned on the basis of parameters reflecting housing deprivation in each category viz., SC/ST, Minorities and Others. To begin with, households will be prioritized based on houselessness followed by the number of rooms; zero, one and two rooms, in that order. In a particular social category viz., SC/ST, Minorities and Others, households which are houseless or living in houses with lower number of rooms shall not be ranked below households living in houses with higher number of rooms
- Within the above priority groups, households that fulfill the criteria of automatic inclusion, as defined in SECC (criteria elaborated in Annexure-I), will be further elevated. Automatically included households shall not rank lower than other households within a priority group. Inter se priority within the two sub groups viz. households which are automatically included and otherwise, will be determined based on their cumulative deprivation scores. The scores will be calculated from the socio economic parameters given below with each having equal weight.
- Households with no adult member between age 16 to 59
- Female headed households with no adult male member between age 16 to 59
- Households with no literate adult above 25 years
- Households with any disabled member and no able bodied adult member
- Landless Households deriving the major part of their income from manual casual labour
- Households with higher deprivation scores will be ranked higher within the sub groups.
- Preparation of Priority Lists
Separate priority lists, satisfying the principles of prioritization enunciated in para 4.2, will be generated for SC, ST, Others and Minorities for each Gram Panchayat subject to availability of eligible households.
System generated category wise ranked priority list could be downloaded from the scheme MIS – AwaasSoft. Thereon, the lists will be circulated to the concerned Gram Panchayats for verification.
Verification of Priority Lists by Gram Sabha
- Once the category wise priority lists are made available and suitably publicized, a Gram Sabha will be convened. The Gram Sabha will verify the facts based on which the household has been identified as eligible. If the inclusion has been done based on wrong facts, if the household has constructed a pucca house or has been allotted a
Verification of Priority Lists by Gram Sabha
- Once the category wise priority lists are made available and suitably publicized, a Gram Sabha will be convened. The Gram Sabha will verify the facts based on which the household has been identified as eligible. If the inclusion has been done based on wrong facts, if the household has constructed a pucca house or has been allotted a house under any government scheme or migrated since the time of the survey, the Gram Sabha shall delete the name of such families. The list of deleted households, including reasons for deletion, will form part of the minutes of the Gram Sabha resolution.
- In case there is a tie with more than one household within a sub group having the same deprivation score, the Gram Sabha will rank the households by according priority on the basis of the following parameters:
- Households with widows and next-of-kin of members of defence / paramilitary / police forces killed in action;
- Households where a member is suffering from leprosy or cancer and People living with HIV (PLHIV).
- Households with a single girl child.
- Beneficiary families of the the Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006, commonly known as Forest Rights Act.
- Transgender persons.
- If none of the above parameters are applicable, the Gram Sabha may decide the ranking based on instructions issued by States/UTs and record proper justification for the same. The ranking should be complete with each household being assigned a distinct rank.
CRITERIA FOR AUTOMATIC INCLUSION
1. Households without shelter
2. Destitute/living alms
3. Manual scavengers
4. Primitive Tribal Groups
5. Legally released bonded labourer
Annexure – I
EXCLUSION PROCESS
Step 1: Exclusion of pucca houses- All households living in houses with pucca roof and/or pucca wall and households living in houses with more than 2 rooms are filtered out. Step 2: Automatic Exclusion– From the remaining set of households, all households fulfilling any one of the 13 parameters listed below are automatically excluded:-
1. Motorised two/three/four wheeler/fishing boat
2. Mechanised three/four wheeler agricultural equipment
3. Kisan Credit Card with credit limit of Rs.50,000 or above
4. Household with any member as a Government employee
5. Households with non-agricultural enterprises registered with the Government
6. Any member of the family earning more than Rs.10,000 per month
7. Paying income tax
8. Paying professional tax
9. Own a refrigerator
10. Own landline phone
11. Own 2.5 acres or more of irrigated land with at least one irrigation equipment
12. 5 acres or more of irrigated land for two or more crop seasons
13. Owning at least 7.5 acres of land or more with at least one irrigation equipment
CONSTRUCTION OF HOUSE
5.1 Unit Assistance to the Beneficiary
5.1.1 UnderPMAY-GthebeneficiaryisprovidedaunitassistanceofRs.1.20lakhin plain areas and 1.30 lakh in hilly states, difficult areas and IAP districts for house construction.
a) Difficult areas: Those areas where due to reasons of poor availability of materials, poor connectivity, adverse geo-morphological and climatic conditions the cost of construction is higher. The classification of an area as difficult within a State, is to be done by the State Governments. Such classification shall be based on an existing classification in the State under some other provision or through the use of a methodology based on objective criteria. The Empowered Committee for the programme shall approve the state classification. For assigning the difficult areas a Village Panchayats, may be treated as the smallest unit.
b) Hilly States: The States of Jammu and Kashmir, Himachal Pradesh and Uttarkhand is included in this category.
c) IAP Districts: Districts taken up under Integrated Action Plan of Ministry of Home Affairs.
5.1.2 Additionally upto 90/95 mandays of unskilled labour during house construction is provided under Mahatma Gandhi NREGA. This may be availed by the beneficiary himself, and in case where the beneficiary has exhausted his 100 days under NREGS or if the beneficiary is old and for some reasons unable to work by
himself, the labor may be contributed by another worker seeking work under NREGS. 5.1.3 Houses sanctioned under PMAY-G are also eligible to receive assistance of Rs.12,000 for the construction of toilet from Swach Bharat Misison (G) or any other dedicated financing source.
House Size
The minimum size of the house to be 25 square meters including a cooking space and a toilet.
5.4 Release of first installment to Beneficiary
5.4.1 The first installment shall be released to the beneficiary electronically to the registered bank account of the beneficiary within a week (7 working days) from the date of issues of sanction. The States would pursue with the Bank in which the State Nodal Account is maintained to send an SMS to the beneficiary intimating transfer of assistance.
Facilitating loan of upto Rs 70000 from Banks
6.2.6.1 The beneficiary would want to construct the house as per his aspirations and future requirements as this would be a once in a lifetime activity. This would invariably require additional funds over and above the financial assistance provided to the beneficiary under the scheme. The beneficiary if he/she so chooses, would be facilitated to get institutional finance up to Rs.70,000. In case the beneficiary chooses the option of institutional finance, the central and state subsidy will be routed through the same bank account in which the finance has been availed, and the officials of the financial institutions will also be expected to monitor the progress of construction.
GRIEVANCE REDRRESSAL
11. Grievance Redressal Mechanism
11.1 There should be a grievance redressal mechanism set up at different levels of administration viz., Gram Panchayat, Block, District and the State. An official of the State Government needs to be designated at each level to see that the grievance raised is redressed to the satisfaction of the complainant.
11.2 The official who is tagged at each level would be responsible for disposing off the grievance / complaint within a period of 15 days from the date of receipt of the grievance / complaint. The grievances may be in the following categories :-
- a) Irregularities in release of instalments
- b) Non provision of support services
- c) Non provision of convergence schemes
- d) Refusal to agree to the choice of design/construction technology made by the beneficiary
- e) Non-provision of the loan from financial institutions to the beneficiaries
11.3 The details of the grievance redressal officers including the name, telephone number and address of the officer designated at each level for addressing the grievance and the procedure to file the grievance should be clearly displayed in each Panchayat so that the people of aware of process. The process so displayed should also indicate the steps that need to be taken by the complainant in case his grievance is not resolved at the level in which he had applied. Awareness also needs to be provided to the people of the procedure of lodging the complaints on the CPGRAMS portal. 11.4 With regard to the complaints received in the Ministry of Rural Development through CPGRAMS or otherwise, the same would be forwarded to the respective State Government for furnishing the Action Taken Report. The officers designed at each level of administration for redressing the grievances should be responsible for redressing the grievance in the complaints and furnish the Action Taken Report within one month of receipt of the complaint to the Ministry under intimation to the complainant.
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