About PMAY-G

• The Pradhan Mantri Awas Yojana–Gramin (PMAY-G) was launched in 2016 to address the housing gaps existing in the rural areas. 
• The objective was to provide a pucca house with basic amenities to all rural families who are homeless or living in kutcha or dilapidated houses by 2022.

Features

• The houses built under the PMAY-G scheme are low-cost, environmentally sustainable  and disaster-resilient. 
• The minimum size of the houses built under the PMAY-G scheme is 25 sq. mt. 
• The Central and State governments share the cost of assistance at a ratio of 90:10 in the hilly areas and 60:40 in the plain areas.
• Identification of beneficiaries as per the housing deprivation parameters and exclusion criteria prescribed under Socio Economic Caste Census (SECC) 2011 after due verification by Gram Sabha.

Financial Assistance

• Under PMAY-G, each beneficiary is given 100% grant of Rs.1.20 lakh (in plain areas) and Rs.1.30 lakh (in Hilly States/North Eastern States/Difficult areas/UTs of J&K and Ladakh/Left Wing Extremism (LWE) districts).
• The beneficiaries of PMAY-G, in addition to the unit assistance, are also provided support of unskilled labour wages under Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) and assistance of Rs. 12,000 for construction of toilets through Swachh Bharat Mission-Gramin (SBM-G), MGNREGS or any other dedicated source of funding. 

Pradhan Mantri Awas Yojana (Urban)

• Pradhan Mantri Awas Yojana (Urban) was launched by the Ministry of Housing and Urban Affairs in 2015 for ensuring housing for all in urban areas by 2022. 
• The objective of the scheme is to address the urban housing shortage among Economically Weaker Section (EWS)/ Lower Income Group (LIG) and Middle-Income Group (MIG) categories including the slum dwellers by providing central assistance for construction of new houses or for enhancement of existing houses.
• The Mission seeks to address the housing requirement through following programme verticals:
  • Slum rehabilitation of Slum Dwellers with participation of private developers using land as a resource
  • Promotion of Affordable Housing for weaker section through credit linked subsidy
  • Affordable Housing in Partnership with Public & Private sectors
  • Subsidy for beneficiary-led individual house construction /enhancement.

Implementation

• Mission is implemented as a Centrally Sponsored Scheme (CSS) except for the component of credit linked subsidy which will be implemented as a Central Sector Scheme.
• PMAY(U) has made a mandatory provision for the female head of the family to be the owner or co-owner of the house under this Mission. 
• The beneficiary family should not own a pucca house and the beneficiary family should not have availed of central assistance under any housing scheme from Government of India.
• Preference is also given to differently abled persons, senior citizens, SCs, STs, OBCs, Minority, single women, transgender and other weaker & vulnerable sections of the society. 

Why in News?

• The Labour and Employment Ministry has initiated a move to extend the benefits of the Pradhan Mantri Awas Yojana (PMAY) to disadvantaged workers. 
• A letter has been issued by the Ministry of Labour and Employment to all State Governments, urging the inclusion of migrant workers, building workers, beedi workers, cine workers, non-coal mine workers, contract labourers, and other unorganised workers. 
• The Ministry has emphasized that these workers represent a disadvantaged section of society and ensuring their coverage under PMAY is not only a matter of social justice but also a necessary step towards improving their living conditions.