PMAY-Gramin (Rural Housing)

1. Allocation: Rs 54,232 crore for FY26, a slight decrease from Rs 54,500 crore in FY25.
2. Launch Date: April 1, 2016
3. Objective: The scheme focuses on providing pucca houses with basic amenities to rural families who are houseless or living in unsafe, dilapidated homes.
4. Under : Ministry of Rural Development
    

Target and Financial Assistance
 

1. Target: The scheme aims to construct 2.72 crore houses in rural areas, with 2 crore houses completed by September 2022.
2. House Specifications: Each house must be at least 25 square meters in size, including space for cooking hygienically.
3. Financial Assistance:
   1. ₹1,20,000 for houses in plain areas.
   2. ₹1,30,000 for houses in hilly or difficult areas.
   3. Additional loan of up to ₹70,000 with a 3% lower interest rate to help build permanent homes.
       

Convergence with Other Schemes
 

1. Toilet Construction: ₹12,000 for building toilets under the Swachh Bharat Mission (SBM-G).
2. MGNREGA: 95 days of employment at ₹90.95 per day.
3. Ujjwala Yojana: LPG connection for families under the scheme.
    

Eligibility Criteria

1. Target Group: Houseless or those living in kutcha (temporary) houses, based on the SECC 2011 census.
2. Prioritization:
   1. First priority for houseless families.
   2. Then for families with 1-2 room houses.
       

Earmarking of Targets

1. SC/ST: 60% of the targets are earmarked for Scheduled Castes and Scheduled Tribes, if there are enough eligible families.
2. Minorities: 15% of the target is reserved for minorities, based on Census 2011 data.
    

Exclusion Criteria

1. Families with pucca houses or more than 2 rooms are excluded from the scheme.
2. Households owning motorized vehicles or agricultural equipment, earning over ₹10,000/month, or those employed by the government or paying taxes are automatically excluded.
    

Payment Process

1. Payments are made directly to Aadhaar-linked bank or post office accounts for transparency.
    

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