PM Housing Scheme Rural: Survey for Second Phase, Women to Get 100% Ownership

Key Highlights

• The second phase of PMAY-G focuses on 100% women’s house ownership.
• A new Awas Plus 2024 survey will identify beneficiaries.
• Relaxed eligibility criteria allow more families to qualify.
• Facial recognition technology ensures transparency in the survey.
• Beneficiaries receive grants, loans, and essential services like water and gas.

The government is set to make a significant change in the second phase of the Pradhan Mantri Awas Yojana Gramin (PMAY-G). A new survey will be conducted to ensure that women are the primary owners of the houses provided under the scheme. This marks a shift from the previous phase, where both men and women could hold ownership of the houses. In this new phase, priority will be given to women’s 100% ownership, aiming to empower rural women by providing them with their own houses.

Also Read: Haryana Rural Housing Scheme: 2 Lakh People to Get 100-Square-Yard Plots for Homes

New Survey to Identify Beneficiaries

To implement this change, the Ministry of Rural Development will start a new survey called Awas Plus 2024. This survey will help identify the beneficiaries for the second phase of the scheme. The government will use modern technology like facial recognition to ensure transparency and prevent fraud. Notably, this survey will allow people to self-register, which means they can fill out their information themselves.

The Awas Plus app will be used for this purpose, making the process smoother and faster for rural families. A new list of beneficiaries will be created based on the results of this survey.

Women's Ownership Options in PMAY-G

Under the PMAY-G scheme, there are two options for women's ownership: single ownership and joint ownership. While men were included as joint owners in the previous phase, the new focus is to make women the sole or joint owners of the house. As a result, 74% of the houses approved under the scheme have either been fully owned by women or jointly owned with their husbands. The goal of the second phase is to achieve 100% women’s ownership.

Also Read: Pradhan Mantri Awas Yojana: Haryana to Build 5 Lakh Houses in Urban and Rural Areas

Relaxed Eligibility Criteria

To help more villagers benefit from the scheme, the government has also relaxed certain eligibility criteria. In the past, families with a fridge, two-wheeler, or income above Rs 10,000 were excluded from the scheme. Now, families with a monthly income of up to Rs 15,000 and a fridge or two-wheeler are also eligible for housing benefits under PMAY-G. Additionally, some exclusion criteria, like owning a fishing boat or a motorized two-wheeler, have been removed, making the scheme more inclusive.

Who Will Not Get the Benefit?

Not everyone will be eligible for PMAY-G. Families that have a Kisan Credit Card with a limit of Rs 50,000 or more, government employees, and those involved in non-agricultural enterprises are excluded from the scheme.

Also Read: Kisan Credit Card (KCC) Scheme: Bihar Government to Provide Loans to 90,000 Farmers

Benefits of PMAY-G

The Pradhan Mantri Awas Yojana Gramin offers various benefits to eligible beneficiaries:

• Housing Grant: A grant of Rs 1.20 lakh for building a house in plain areas, and Rs 1.30 lakh for hilly or remote areas.
• Bank Loan: Beneficiaries can take a bank loan of up to Rs 70,000 for house construction.
• Interest Subsidy: A 3% interest subsidy is provided on the loan.
• Wages for Labor: If the beneficiary has a labor card and constructs the house themselves, they are paid 90-95 days of wages under MGNREGA.
• Toilet Construction: Rs 12,000 is provided to build a toilet under the Swachh Bharat Mission.
• Gas Connection: A free LPG connection is given under the Ujjwala Yojana.
• Water Connection: A free water connection is provided under the Jal Jeevan Mission.

The second phase of PMAY-G is expected to bring more benefits, especially for women, and ensure that rural families have access to better housing and essential amenities.

Also Read: Sugarcane Crushing Begins in UP: Farmers to Get Immediate Payments

CMV360 Says

The second phase of PMAY-G aims to empower rural women by ensuring 100% ownership of houses. With a new survey and relaxed eligibility criteria, more families will benefit from the scheme. The initiative strengthens rural housing, promotes women's independence, and provides essential amenities for a better quality of life.