Pradhan Mantri Awas Yojana Gramin or PMAY-G was initiated with the objective of “Housing for All” by 2020. 

This scheme provides a 25-square meter pucca house to the eligible beneficiaries along with other basic amenities at a low cost. 

Features of PMAY Gramin 

• The beneficiaries are allotted Rs.1.20 lakh for each unit. The cost will be shared between the central and state government in 60:40 ratio. 
• The sanctioned amount increases to Rs.1.30 lakh per unit for locations in north-eastern states, Himalayan states and Union Territories. In this case, the expenses of the construction will be divided into the ratio of 90:10 that will be shared by the Central and State Government. 
• The eligibility of the beneficiaries will be determined based on the report of Socio-Economic and Caste Census (SECC) that Gram Sabhas will verify.  
• For Union Territories, the Central Government of India will offer up to 100% financing. 
• The sanctioned home loanamount will be credited to the borrower’s Aadhaar-linked bank or post office account.  

For other vital features of this scheme, you can refer to the official website of PMAY Gramin. 

Documents required to apply for PMAY-G. 

Following are some of the essential documents that applicants need to submit while applying for this government-backed scheme. 

• Aadhaar Card
• Bank Account details
• An MGNREGA-registered Job Card number of the beneficiary 
• Applicant’s Swachh Bharat Mission (SBM) G registration number.  

These are some of the most vital aspects that you need to know about Pradhan Mantri Awas Yojana Gramin before applying for a home loan under this scheme.

The application process of both PMAY Gramin and Urban is the same. If any individual wants to check their name in the PMAY list, they would need to visit the official website, input their registration number, Aadhar number and check their name. 

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