Pradhan mantri awas yojana (gramin )

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PMAY-G

Pradhan mantri awas yojana is one of the flagship scheme launched by the Prime Minister Sri Narendra Modi in 2016 to provide house for all by 2022 who have no house and are poor. It is a social welfare program through which government provides financial assistance to the households beneficiaries identified by using SECC-2011 data.

It was first known as Indira Awas Yojana launched in 1996 and in 2014 it is changed as PMAY.

Aim: "Housing for all by 2022 in the country" 

Features: 

  1. under Pradhan mantri awas yojana gramin,  each beneficiary  is given 100% grant of ₹1,20,000(1.2 lakh) with a sharing ratio of 60: 40 between Centre and state it means 60 %money will be provided by central government and rest by state government in plain areas of country. 
  2. In Himalayan state 1.3 lakh financial assistance is provided with a share of 90:10 between Centre and state respectively. 

Vision: the scheme envisages to construct 2.95 Crores houses by the end of 2022 in phased manner. 

  • Phase 1 between 2016-17 to 2018-19:  A target of  one crore was set up to construct against which 92% construction completed.
  • Phase2 between 2019-2020 to 2021-22:  90% (1.92 crore houses) have been sanctioned  against this 71%( 1.36 crore house) have been completed. Aim is to construct rest 1.95 houses by 2022.

Achievements: so far 1.36 crore houses have been constructed.

Eligibility criteria:

According to the central government norms below mentioned households are not eligible for this scheme:

  1. Any member of a family earning ₹10,000 per month is  not eligible for awas yojana.
  2. If any member is in government service of family is not eligible also.
  3. Those households who having two or three wheelers are not eligible. 
  4. Who possess refrigerator is not eligible. 
  5. Households who holds  three wheeler or four wheeler mechanized vehicle. Such as diesel and petrol engine vehicles.
  6. Households which has Kisan credit card and having ₹50,000 in the  bank account are not eligible. 
Role of Gram Panchayat:
  1. Permanent wait list :Through Gram Sabha,  Gram Panchayat will select, prioritize and finalize the permanent wait list of eligible beneficiaries on the basis of SECC 2011 data .
  2. To prepare a list of households not included in the system generated priority list, but otherwise found eligible. 
  3. Gram Panchayat would identify those families who are unable to construct their own house in getting the benefit. 
  4. A separate list will be prepared by Panchayat of households leftout and will help to get their house constructed.
  5. It will provide trained Mason at low costs. 
  6. Panchayat will assist in identifying common land available for allotment to the land less beneficiaries.
  7. To provide  construction materials at reasonable rates and help to identify the trained Mason. 
  8. To facilitate other scheme of Centre and state. 
  9. Gram Panchayat should discuss the progress of construction in schedule meeting.
  10. Gram Panchayat should also assist proactively in social auditing. 
  11. Name of beneficiaries should be in the socio economic cast census ( SECC) 2011.
Role of self help group:
  1. To organize awareness programme among beneficiaries of the PMAYG about:
    • Construction of durable house
    • Source of procurement of material 
    • Availability of skilled Mason 
    • Benefits available for  them from states and Centre 
  2. They should involved in construction of the house 
  3. SHG members should be trained as certified social auditor of the scheme 
  4. Production of building materials and to avail at reasonable prices  to the beneficiaries. 
  5. To make available all funds transfer to the beneficiaries with full transparency. 

Issues : 
  1. The main issue is Availability of trained and qualified Mason 
  2. Full transfer of money to beneficiaries 
  3. Heads villages charging money for inclusion in the beneficiaries lists 
  4. Money charged by gram Panchayat heads before withdrawal of bank.
Reforms: 
  1. Training program:  training being provided to the masons through pan India training and certification programs 
  2. DBT: money now being transferred to the bank accounts of beneficiaries directly. 
  3. Implementation and monitoring through the e Governance model by using awaas-soft and awaas app.
    • Awaas-soft: a platform for the the identification of beneficiaries and to provide construction linked assistance. 
    • Awaas app: it is a mobile application to be used to monitor real time ,evidence based progress of house construction through date and time stamped and georeferenced photographs of the house.
  4. Survey being conducted to identify real beneficiaries. 

Reference

https://pmayg.nic.in/netiay/home.aspx#


Topics :   (upsc GS 2nd paper )
  • welfare scheme for vulnerable section of the population by the state and Centre,  performances of these schemes,  mechanisms.
  • Betterment of vulnerable section 
  • Role SHG 
  • E Governance 
  • Issue relating to poverty. 

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