Things to know about the Pradhan Mantri Awas Yojana – Gramin (PMAY-G)



According to reports, the Indian government handed over around 1.12 crore houses in March 2020 under the Pradhan Mantri Awas Yojana or PMAY. The ‘housing for all’ credit-linked subsidy scheme is divided into two distinct parts, namely PMAY-U or Urban and PMAY Gramin.


As the name suggests, the former concerns the construction and development of affordable housing for the urban populace in India. PMAY-G, on the other hand, is concerned with providing homes to the homeless in rural or remote areas.

What should you know about PMAY-G? 

The Gramin division of this scheme looks to rectify the housing deficit in the rural areas of the country. It is a highly beneficial prospect for individuals who cannot afford to purchase or build concrete houses. With PMAYG, homeless or kutcha house residents can acquire better accommodation, with all of the amenities necessary for a comfortable lifestyle. However, only a select group of individuals are eligible for this scheme. Thus, it is crucial for one to know the PMAY eligibility criteria

Eligibility criteria for PMAY Gramin

You must meet or surpass these requirements to avail benefits from this subsidy scheme –

  • Homeless families or those living in kutcha houses with a maximum of two rooms.

  • Households without a male member aged between 19 and 59 years.

  • Families with a disabled member.

  • Families where there are no bodily-abled members.

  • Individuals belonging to scheduled caste, scheduled tribe or any other minority group.

  • Households with no income from casual labour and owned land.

  • Individuals not paying any professional tax or other forms of income tax.

  • If you own a Kisan Credit Card with a limit of at least Rs.50,000, you can apply for PMAY Gramin benefits.

If you are a first-time homebuyer eligible for PMAY Gramin, you can expect several benefits and features.

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