{"id":12260,"date":"2023-08-29T04:03:12","date_gmt":"2023-08-29T04:03:12","guid":{"rendered":"\/blog\/?p=12260"},"modified":"2024-07-02T20:25:53","modified_gmt":"2024-07-02T14:55:53","slug":"all-you-need-to-know-about-pmay-g","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-home\/all-you-need-to-know-about-pmay-g\/","title":{"rendered":"All You Need To Know About PMAY G"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>The Pradhan Mantri Awas Yojana (PMAY) was introduced in June 2015 to realize the Government\u2019s vision of housing for all Indian citizens by the year 2022. The scheme was bifurcated to cater to the specific housing needs of people in urban and rural areas. While the Pradhan Mantri Awas Yojana &#8211; Urban (PMAYU) applies to urban areas, the Pradhan Mantri Awas Yojana Gramin (PMAY G) is applicable in rural areas.<\/p>\n\n\n\n<p>PMAY Gramin or PMAY G addresses the housing gap that exists in rural India. It\naims to provide a pucca house including all the basic amenities to every\nhousehold in every village. The area of each house built under PMAY G is 25\nsqm. Theses houses will be disaster-resilient and will be built as per the\nsocio-cultural and geo-climatic conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Features of Pradhan Mantri Gramin Awas Yojana<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For\nhouses in the plains, there will be unit assistance of Rs. 1.2 Lakhs. The\nCentral and State Governments will share this cost in the ratio of 60:40.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For\ndifficult to access areas, including the Himalayan states, northeastern states,\nand the Union Territory of Jammu &amp; Kashmir, the unit assistance amount is Rs.\n1.3 Lakhs. The Central and State Governments will share this cost in the ratio\nof 90:10.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Central Government will offer 100% financing\nfor the construction of houses in Union Territories excluding Jammu &amp;\nKashmir and including the newly-formed union territory of Ladakh.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beneficiaries can borrow up to Rs 70,000 from\nbanks or other financial entities.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For a maximum loan amount of Rs. 2 Lakhs, beneficiaries can avail a subsidy of 3% on the interest rate. The loan amount can exceed Rs. 2 Lakhs, but subsidy on interest rates will apply up to Rs. 2 Lakhs only. The subsidy provided cannot exceed&nbsp;Rs. 38,359 for the payable EMI. Use our home loan EMI calculator to check your monthly EMIs.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loans taken under <a href=\"https:\/\/tata-blog.osian.dev\/home-loan\/pmay.html\">PMAY<\/a> G can have\na tenure of up to 20 years.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Additional financial assistance of up to Rs.\n12,000 will be provided to beneficiaries for constructing toilets under the\nSwachh Bharat Mission &#8211; Gramin.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beneficiaries receive payments electronically in\nthe post office account or bank account linked to their Aadhar.<\/li>\n<\/ul>\n\n\n\n<p style=\"color:red\"><strong>Additional\nRead<\/strong>: <a href=\"https:\/\/tata-blog.osian.dev\/blog\/home-loan\/how-to-complete-your-dream-of-owning-a-house-using-pmay\/\">How\nto Complete your Dream of Owning a House Using PMAY<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eligibility<\/strong><\/h2>\n\n\n\n<p>Data from the Socio-Economic and Caste Census 2011 (SECC 2011) is used to identify beneficiaries. Loans taken under <a href=\"https:\/\/tata-blog.osian.dev\/home-loan\/pmay.html\">PMAY<\/a> G can have a tenure of up to 20 years. they are added to the list of beneficiaries issued by the Gram Sabha. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Families that are houseless or live in kutcha\nhouses with zero, one or two rooms.<\/li>\n\n\n\n<li>Households with no male adult between ages 19\nand 59.<\/li>\n\n\n\n<li>Households with no literate adult over the age\nof 25.<\/li>\n\n\n\n<li>Households with a disabled member.<\/li>\n\n\n\n<li>Households with no bodily-abled members.<\/li>\n\n\n\n<li>Households that do not own any land and earn\nfrom casual labour.<\/li>\n\n\n\n<li>Families that belong to SC, ST and other\nMinority categories.<\/li>\n\n\n\n<li>Families not owning any motorized vehicle,\nagriculture equipment or fishing boat.<\/li>\n\n\n\n<li>Kisan Credit Card holders with a spending limit under\nRs. 50,000.<\/li>\n\n\n\n<li>Households with no government employees earning\nover Rs. 10,000 per month.<\/li>\n\n\n\n<li>Individuals who do not pay any professional tax\nor income tax.<\/li>\n<\/ul>\n\n\n\n<p style=\"color:red\"><strong>Additional Read<\/strong>: <a href=\"https:\/\/tata-blog.osian.dev\/blog\/aspiration\/home-loan\/what-is-the-eligibility-for-pmay-scheme\/\">What is the Eligibility for PMAY Scheme?<\/a> <\/p>\n\n\n\n<p>If you are buying your first home, apply for a&nbsp;<a href=\"https:\/\/tata-blog.osian.dev\/home-loan.html\">home loan<\/a>&nbsp;online with Tata Capital at attractive interest rates.<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/tata-blog.osian.dev\/home-loan.html\">Apply For Home Loan<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Pradhan Mantri Awas Yojana (PMAY) was introduced in June 2015 to realize the Government\u2019s vision of housing for all Indian citizens by the year 2022. <\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/home-loan\/all-you-need-to-know-about-pmay-g\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":12261,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"class_list":["post-12260","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PMAY G \u2013 All About Pradhan Mantri Awas Yojana Gramin 2020 - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Know all about Pradhan Mantri Awas Yojana Gramin Housing Scheme. You or your family need to meet the eligibility criteria to qualify for the PMAYG scheme!\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PMAY G \u2013 All About Pradhan Mantri Awas Yojana Gramin 2020 - Tata Capital Blog\" \/>\n<meta property=\"og:description\" content=\"Know all about Pradhan Mantri Awas Yojana Gramin Housing Scheme. You or your family need to meet the eligibility criteria to qualify for the PMAYG scheme!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/all-you-need-to-know-about-pmay-g\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-29T04:03:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-02T14:55:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2020\/10\/know-about-pmay-g.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/all-you-need-to-know-about-pmay-g\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/all-you-need-to-know-about-pmay-g\/\",\"name\":\"PMAY G \u2013 All About Pradhan Mantri Awas Yojana Gramin 2020 - Tata Capital Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2023-08-29T04:03:12+00:00\",\"dateModified\":\"2024-07-02T14:55:53+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/5ccf99347b9365e2fa68bd32006d0b4a\"},\"description\":\"Know all about Pradhan Mantri Awas Yojana Gramin Housing Scheme. 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