{"id":12351,"date":"2023-08-29T03:11:54","date_gmt":"2023-08-29T03:11:54","guid":{"rendered":"\/blog\/?p=12351"},"modified":"2024-07-04T18:59:28","modified_gmt":"2024-07-04T13:29:28","slug":"pmayg-all-about-pradhan-mantri-awas-yojana-gramin-2020","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-home\/pmayg-all-about-pradhan-mantri-awas-yojana-gramin-2020\/","title":{"rendered":"PMAYG- All about Pradhan Mantri Awas Yojana Gramin 2020"},"content":{"rendered":"\n<p>Pradhan Mantri Awas Yojana Gramin (PMAYG) is aligned with the\n\u201cHousing for All\u201d scheme and aims to provide \u201cpucca\u201d housing with basic\namenities like water, hygienic kitchen, etc. to beneficiaries. Presently, the\nminimum size of houses built under the scheme has been increased from 20 square\nmeters to 25 square meters. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PMAY Gramin scheme benefits <\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can get a loan of a maximum amount of Rs.\n70,000 from lending institutions.<\/li>\n\n\n\n<li>You can avail a 3% subsidy on the interest rate\non a maximum loan amount of Rs. 2 lakhs (You can apply for a loan larger than\nRs. 2 lakhs but the subsidy on interest rates will apply to Rs. 2 lakhs only). <\/li>\n\n\n\n<li>You can avail a maximum subsidy of Rs. 38,359\nfor the EMI payable.<\/li>\n\n\n\n<li>The tenure for loans under this scheme can last\nup to 20 years.<\/li>\n\n\n\n<li>You will be entitled to a sum of Rs. 90.95 per\nday of unskilled labour from MGNREGS.<\/li>\n\n\n\n<li>You will receive payments under PMAYG directly\nin your post office or bank account that is linked to 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-get-subsidy-benefit-under-pmay-home-loan-this-2020\/\">How\nto Get Subsidy Benefit under PMAY Home Loan This 2020?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pradhan Mantri Awas Yojana eligibility <\/strong><\/h2>\n\n\n\n<p>You are eligible for <a href=\"https:\/\/tata-blog.osian.dev\/home-loan\/pmay.html\">Pradhan Mantri Awas\nYojana Gramin<\/a> scheme if your family:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lives in a kutcha house with zero, one or two\nrooms.<\/li>\n\n\n\n<li>Doesn\u2019t have any male adult aged between 19 to\n59 years.<\/li>\n\n\n\n<li>Doesn\u2019t have a literate adult with a minimum age\nof 25 years.<\/li>\n\n\n\n<li>Has a disabled member and no bodily abled\nmember.<\/li>\n\n\n\n<li>Earns from casual labour and not owning land.<\/li>\n\n\n\n<li>Belongs to scheduled caste, scheduled tribe and\nother minority categories.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How will PMAYG be administered?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The selection of beneficiaries will be done\nbased on socio-economic and caste census instead of the BPL list.<\/li>\n\n\n\n<li>The construction cost of the houses will be\nshared between the central and the state government in a:\n<ul class=\"wp-block-list\">\n<li>60:40 ratio\nin plain areas, I.e., Rs. 1.20 lakh of assistance for each unit.<\/li>\n\n\n\n<li>90:10 ratio for rural areas situated in the\nHimalayan states, north-eastern states and the union territory of Jammu and\nKashmir, I. e. Rs. 1.30 lakh of assistance for each unit.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>The Central\ngovernment will provide 100% financing for houses located in union territories\nincluding the newly- formed union territory of Ladakh.<\/li>\n\n\n\n<li>The scheme\nis linked to other government-backed schemes like the Swachh Bharat Abhiyan,\nthrough which monetary assistance of Rs. 12,000 will be provided for the\nconstruction of the toilets.<\/li>\n\n\n\n<li>Construction\nof the houses will be carried out keeping in mind the socio-economic and\ngeopolitical factors and using local materials.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to register for PMAYG?<\/strong><\/h2>\n\n\n\n<p>You can register for the scheme by visiting the official website or\ncontacting your Gram Panchayat. You can take help from a third party, but to do\nso you will have to provide the respective third party with a consent document,\nallowing the use of your Aadhaar number.<\/p>\n\n\n\n<p>Beneficiaries will be picked from the Pradhan Mantri Awas Yojana\nGramin list prepared by the Gram Sabha from the Socio Caste Census (SECC) 2011.<\/p>\n\n\n\n<p style=\"color:red\"><strong>Additional Read:<\/strong> <a href=\"https:\/\/tata-blog.osian.dev\/blog\/home-loan\/how-to-check-out-your-name-present-in-pradhan-mantri-awas-yojana-list\/\">How to Check Out Your Name Present in Pradhan Mantri Awas Yojana List<\/a> <\/p>\n\n\n\n<p>If you are eligible for the scheme, you can apply for a <a href=\"https:\/\/tata-blog.osian.dev\/home-loan.html\">home loan<\/a> from Tata Capital. <a href=\"https:\/\/tata-blog.osian.dev\/\">Tata Capital<\/a> offers attractive advantages for PMAYG beneficiaries. Contact us to know more!<\/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\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pradhan Mantri Awas Yojana Gramin (PMAYG) is aligned with the \u201cHousing for All\u201d scheme and aims to provide \u201cpucca\u201d housing with basic amenities like water. <\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/home-loan\/pmayg-all-about-pradhan-mantri-awas-yojana-gramin-2020\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":12352,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"class_list":["post-12351","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 - All About Pradhan Mantri Awas Yojana Gramin 2020 - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"PMAYG\u00a0-\u00a0Pradhan Mantri Awas Yojana Gramin\u00a0is a Housing Scheme for\u00a0Rural\u00a0Areas in India. 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