ग्रामीण विकास मंत्रालय

भारत सरकार
MINISTRY OF RURAL
DEVELOPMENT
GOVERNMENT OF INDIA

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Chhattisgarh Rajasthan Madhya Pradesh

Erstwhile Rural Housing Programme – Indira Awaas Yojana (IAY)

➢ Eligibility - Rural BPL Households

➢ Unit size of house – 20 sq. mt.

➢ Unit assistance - Rs.70,000/- (75,000/- for difficult areas/ Hilly and IAP
district)

➢ From the inception of the scheme in year 1996, more than 3.60 crore houses
have been constructed.
Findings of Performance Audit of IAY by C&AG in 2014

➢Non-assessment of housing shortage

➢Low quality of house and lack of technical supervision

➢Weak mechanism for monitoring.

➢Lack of transparency in selection of beneficiaries.

➢Lack of convergence

➢Loans not availed by beneficiaries

Background for re-structuring Rural Housing Scheme

To address the gaps in rural housing program and in view of Government’s commitment to provide
“Housing for All” by 2022, the scheme of IAY has been re-structured into Pradhan Mantri Awaas Yojana
– Gramin (PMAY-G) w.e.f. 1st April, 2016

• 4.39 crore – Working Group on Rural Housing for 12th Five Year Plan
Housing Shortage Estimation (2012-17)
• 3.47 crore – Census, 2011
• 4.03 crore – Socio Economic and Caste Census (SECC), 2011

2.95 crore PMAY-G houses targeted to be constructed by 2022 in 2 phases

Phase-I Period: 2016-2019 Target: Construction of 1 crore PMAY-G Houses

Phase-II Period: 2019-2022 Target: Construction of 1.95 crore PMAY-G Houses

Re-Structured Rural Housing Scheme: Pradhan Mantri Awaas Yojana –
Gramin (PMAY-G)
Eligibility All Houseless and people living in dilapidated and kutcha houses as per SECC 2011
data

Unit Size Minimum size of the unit is 25 sq. mt. which includes a dedicated area for hygienic
cooking

Unit Assistance Rs. 1.20 lakh in plains and Rs.1.30 lakh in hilly states, difficult areas and IAP districts

Sharing Pattern 60:40 between Centre and State in plain areas

90:10 for North Eastern States, 2 Himalayan states, 1 U.T. of Jammu & Kashmir
(subject to change), and
100 % Central Share for Union Territories including the UT of Ladakh
Target Phase 1: 1.00 crore houses to be constructed in 3 years from 2016-17 to 2018-19
Phase 2: 1.95 crore houses to be constructed in 3 years from 2019-20 to 2021-22
About PMAY-G - Major Reforms
Major Reforms

Single State Nodal Account & 100 % Direct Benefit Transfer

AwaasSoft – MIS, Release of funds, Reports and Monitoring

Evidence based Monitoring - progress of construction through geo-tagged photographs

Convergence with other programmes for basic amenities

Quality of house construction– Rural Mason Training, House Design typologies etc.

Healthy Competition – Performance Index, Annual Awards

Features of PMAY-G (1/2)

The construction should be carried out by the beneficiary himself/herself or under

1 his/her supervision

2 Landless – High priority - Provision of land to landless households

Category-wise earmarking of targets – 60% for SC/ST, 15% for minorities and atleast
3 5% for persons with disabilities

Utilisation of 4% of funds released for administering the scheme during Phase-I and
4 2% during Phase-II

Support to old or infirm or a person with disability in construction through Rural

5 Mason Training Program

6 5% allocation for Special Projects and losses due to natural calamities

Features of PMAY-G (2/2)

7 Dedicated Programme Management Unit (PMU) at State / District / Block level

8 Empowered Committee – approving Annual allocation, Special Projects, difficult areas

Saturation approach – Mission Antyodaya villages, SAGY GPs, Rurban Clusters, Open
9 Defecation Free GPs, GPs with strong social capital through DAY-NRLM SHGs and Kala
Azar GPs.

The scheme is monitored by Area Officers, field visits by Ministry Officers, State
10 officials and various field functionaries.

11 PMAY-G also has a provision of Social Audit for better accountability.

PMAY-G Phase I
Status of Progress - PMAY-G Phase I

Target of PMAY-G Phase – I Completion of 1 crore house by 31st March 2019

Beneficiaries 113.93 Lakh 1st Instalments 96.55 Lakh

Registered Released

Houses Geo- 108.32 Lakh 2ndInstalments 91.30 Lakh

Tagged Released

Houses 97.93 Lakh Houses 85.09 Lakh

Sanctioned Completed
As per AwaasSoft, 14th November, 2019
Performance Index ranking for States for 2018-19

State Cumulative Ranking till 2018-19*

UTTAR PRADESH 1
CHHATTISGARH 2
JHARKHAND 3
WEST BENGAL 4
RAJASTHAN 5
ODISHA 6
MADHYA PRADESH 7
MAHARASHTRA 8
TAMIL NADU 9
DADRA AND NAGAR HAVELI 10
ANDAMAN AND NICOBAR 11

* Targets for the financial year 2018-19 were given to only 9 States and 2 UTs and therefore the cumulative rankings for the 3 years till 2018-19 is calculated for those
states only; (rankings as on 1 Nov 2019 taken from Performance Index report)
Performance Index Cumulative Rankings till 2017-18

State Rank State Rank State Rank

Dadra And Nagar
Chhattisgarh 1 Maharashtra 14 27
Haveli
Uttar Pradesh 2 **Assam 15 Lakshadweep 28
Punjab 3 **Meghalaya 16 Goa 29
Andaman And
Jharkhand 4 Uttarakhand 17 30
Nicobar
Tripura 5 Manipur 18 Nagaland 31
Arunachal
West Bengal 6 Haryana 19 32
Pradesh
Rajasthan 7 Tamil Nadu 20 Telangana 33
Sikkim 8 Bihar 21
Madhya Pradesh 9 Karnataka 22
**Jammu And
Odisha 10 23
Kashmir
Gujarat 11 Andhra Pradesh 24 ** Weightage values are
diffrent for Jammu &
Daman And Diu 12 Kerala 25 Kashmir,Assam and Meghalaya

Himachal Pradesh 13 Mizoram 26 (As on 14th November 2019)

PMAY-G Phase - II
Status of Progress - PMAY-G Phase II

Target of PMAY-G Phase – II Completion of 1.95 crore house by 31st March 2022

Target 48,75,396 Houses

Approved Target for PMAY-II : allocated
2019-20 = 60 Lakhs Registrations 37,89,388 Houses
2020-21 = 70 Lakhs
2021-22 = 65 Lakhs Sanction 36,48,412 Houses

Target allotted to the States :

1st Instalment 29,13,561 Houses
2019-20 = 48.75 lakhs released

Completions 1,36,627 Houses

As per AwaasSoft as on 14th November 2019

PMAY-G Fund Flow
PMAY-G Fund Flow
Government NABARD State Central and State share credited in
of India Government State Treasury. EBR funds flow from
▪ Fund Transfer NRIDA Account NABARD to NRIDA’s account to SNA
EBR
Order is
generated from Fund from State Treasury flows to
State Treasury State Nodal Account
AwaasSoft
▪ Electronic FTO
instruction file State Nodal Account (SNA)
flows from State Nodal Account has bifurcation
Program Fund Administrative at notional level between program
AwaasSoft to
Fund and administrative funds
PFMS
▪ PFMS sends
the file to State
Nodal Bank State Level District Level Block Level Program and Admin Funds drawn by
▪ Funds credited State/District/Block level from SNA
in Beneficiary/
Vendor Program fund FTO generated at block
account level for beneficiaries; Admin fund FTO
generated at state/district/block level
Vendors Beneficiaries
Fund Flow Compliances

Fund released by Government of India in two installments – 1st Installment (50%) and 2nd Installment (50%)

1st Installment Criteria - Released at the beginning of the financial year, provided state has availed
or submitted complete proposal for 2nd installment of previous financial year

2nd Installment Criteria

▪ Utilization of 60% of total available funds on AwaasSoft and as below

Click for List of Year Criteria Indicator

Documents Current year Target Fixing 100 percent

Current year Issue of Sanctions 95 percent of Target

Current year Freezing of Beneficiary Accounts 100 percent of the sanction.

Current year Release of 1st instalment to the 100 percent of the sanctions in terms
beneficiary of generation of FTO
Previous year House constructed 80 percent of Sanction
 List of Documents for 2nd Installment Release
Document Compliance for release of 2nd Installment
Proposal in prescribed format as Compliance status for issues raised in Certificate of penal interest deposit in
mentioned in FFI Empowered Committee case of delay of state share transfer

Utilization Certificate in prescribed
format as mentioned in FFI
Expenditure Statement in prescribed
format as mentioned in FFI
Compliance status for issued raised
by MoRD during 1st Installment
Certificate regarding non-diversion
and non-embezzlement of funds
Financial reconciliation of figures
between AwaasSoft and Bank
Account
Physical target achievement in last
year category-wise

Audit Report for previous financial
year
Targets of SC/ST/Minorities /
Disabled and distribution amongst
districts
Sanction orders for state release in Certificate from the State regarding
previous financial year Administrative Fund utilization in
permissible heads
Utilization Certificate for
administrative expenses for the
previous and current financial year(s)
AwaasSoft
AwaasSoft
AwaasSoft is a workflow and transaction-based Service Delivery Platform to facilitate
e-governance of PMAY-G.

The system provides several functionalities and reports in public domain relevant to
various stakeholders in the government and in the public.

The portal is hosted at the url: http://pmayg.nic.in

Types of reports available on AwaasSoft for monitoring the progress under PMAY-G

A. Physical Progress Reports B. Financial Progress Reports

C. Social Progress Reports D. GIS Reports E. SECC Reports

F. eFMS Reports G. Convergence Reports H. Social Audit Reports

Geo-Tagging using AwaasApp
Geo-Tagging using AwaasApp
Different Stages of
DIFFERENT Construction
STAGES through
OF CONSTRUCTION AwaasApp
THROUGH
MOBILE APP

Lintel level Roof level

Completed
Proposed Site
Beneficiary Name: Asha Devi

Beneficiary ID: HP1009033

Gram Panchayat : Chaloh

Block : Indora

District : Kangra

State : Himachal Pradesh

Existing site(Old House)

Rural Housing Interest Subsidy
Scheme (RHISS)

24
Rural Housing Interest Subsidy Scheme (RHISS)

Rural Housing Interest Subsidy Scheme

Approved by the Union Cabinet on 24th January, 2017

Release of guidelines on 19th June, 2017

Central Nodal Agency for implementation -

National Housing Bank
Interest subsidy at the rate of 3.0 % on
maximum principal amount for subsidy is Rs. 2 lakh.
Maximum amount of subsidy for a beneficiary
is Rs. 38,359 which subvents EMI payable by the beneficiary
Funds of Rs. 48.54 crore released by MoRD to NHB
on 31st July 2019 for disbursal to 12,000 beneficiaries
Disbursed interest subsidy to 1,305 beneficiaries from Saurashtra Gramin
Bank, Gruh Finance Ltd and IIFL Home Loan Ltd
Improving Quality of PMAYG Houses
RURAL MASON TRAINING

89,484
Total No. of Enrolments

78,610
Total Assessments Conducted

50,621
Certified
(As on 1st November 2019)
Improving Quality of PMAYG Houses
HOUSE DESIGN TYPOLOGIES
• Low Cost
• Disaster Resilient
Key Features
• Conforming to local Geo-climatic considerations
• Socio-cultural considerations

States 15
Compendium of Rural Housing zones 62
Housing Typologies -
PAHAL Typologies 108
Typology for Zone ‘B’, Assam House constructed

Typology Sample
 Land for Landless Beneficiaries

The beneficiaries under Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) with no land to construct their houses are being
given high priority under the scheme. Providing land to landless beneficiaries for construction of houses being the States’ /
UTs’ responsibility, they are advised/ encouraged to provide land to such beneficiaries urgently. There is no dedicated
financial assistance to the landless beneficiaries from the Central government for purchasing the land. Some of the States-
Bihar, Maharashtra, etc. are providing financial assistance to the landless beneficiaries under the State’s scheme for
purchasing the land.
Sr. No State No. of Landless beneficiaries identified No of landless beneficiaries
provided land
1 Andaman and Nicobar 1,083 0
2 Andhra Pradesh 6,694 1,888
3 Arunachal Pradesh 0 0
4 Assam 16,652 625
5 Bihar 30,532 381
6 Chhattisgarh 7,302 5,398
7 Dadra and Nagar Haveli 88 29
8 Diu and Daman 189 0
(As on 14th November 2019)
 Land for Landless Beneficiaries

Sr. No State No. of Landless beneficiaries identified No of landless beneficiaries

provided land
9 Goa 66 0
10 Gujarat 9,801 6,090
11 Haryana 14 0
12 Himachal Pradesh 230 7
13 J and K 0 0
14 Jharkhand 497 252
15 Karnataka 15,346 11,560
16 Kerala 5,712 105
17 Lakshadweep 0 0
18 Madhya Pradesh 17,468 14,987
19 Maharashtra 1,10,000 20,976
20 Manipur 0 0
21 Meghalaya 820 0
 Land for Landless Beneficiaries

Sr. No State No. of Landless beneficiaries identified No of landless beneficiaries

provided land
22 Mizoram 0 0
23 Nagaland 0 0
24 Odisha 47,457 1,615
25 Pondicherry Not Available Not Available
26 Punjab 491 43
27 Rajasthan 55,405 30,108
28 Sikkim 0 0
29 Tamil Nadu 77,485 676
30 Telangana Not Available Not Available
31 Tripura 155 90
32 Uttar Pradesh 1,316 1,316
33 Uttarakhand 540 472
34 West Bengal 18,038 673
Awaas+
Awaas+

Awaas+ is a mobile application that was developed for identification of those households who
though eligible but have not been included in the Permanent Waitlist (PWL) of PMAY-G

A total of 3.54 crore households have been uploaded on Awaas+ by the States/UTs

Deadline Total Registrations

30th June 2018 26,713

30th September 2018 1,37,16,091

30th November 2018 2,50,50,830

7th March 2019 3,53,76,210

 State-wise Awaas+ Data
Total No. of Awaas+ Total No. of Awaas+
State State
beneficiaries in PWL Registrations beneficiaries in PWL Registrations
Andaman And Nicobar 2,125 0 Madhya Pradesh 36,86,402 3743390
Andhra Pradesh 2,54,958 10,86,938 Maharashtra 12,30,658 5755090
Arunachal Pradesh 32,973 11,853 Manipur 34,464 85243

Assam 8,81,922 23,95,804 Meghalaya 67,881 159237

Mizoram 22,478 25539
Bihar 34,34,397 32,86,070
Nagaland 24,396 40770
Chhattisgarh 18,74,334 10,37,106
Odisha 27,27,317 46097
Dadra And Nagar Haveli 6,597 10,926
Puducherry 0 0
Daman And Diu 15 323
Punjab 66,947 130698
Goa 1,705 0
Rajasthan 16,89,148 1643370
Gujarat 4,79,106 9,12,284
Sikkim 1,249 9906
Haryana 31,136 2,01,704
Tamil Nadu 11,05,874 855465
Himachal Pradesh 15,087 1,54,690
Telangana 0 9
Jammu And Kashmir 1,66,906 3,78,764
Tripura 53,827 300751
Jharkhand 14,78,962 14,75,258
Uttar Pradesh 16,10,462 5431916
Karnataka 3,83,064 0 Uttarakhand 14,033 94292
Kerala 75,709 3,11,700 West Bengal 38,11,772 5791017
Lakshadweep 115 0 Total 2,52,66,019 3,53,76,210
(As on 1st November 2019)
Awaas+ Problem statement

3.5
crore
entries
Allocation of 42 lakh
beneficiaries to the States /
UTs: To be proportionately
distributed among all
States

Filtered New Addition to

Number existing PWL of
2.53 Crore
Formation of Expert Committee

• Expert Committee : Under the Chairmanship of Dr. Nagesh Singh

• Three sub-committees formed with members from RD (RH), MOSPI,

NRSA, RGI, NIC, CEDA, NRIDA, PMU-RH

• Preparation of the report containing recommendations of the Expert

committee is at an advanced stage. The committee shall submit its report
shortly.
PMAY-G Houses

Kerala
PMAY-G Houses

Chhattisgarh
PMAY-G Houses

Manipur
PMAY-G Houses

Madhya
Pradesh
PMAY-G Houses

Odisha
PMAY-G Houses

Meghalaya
PMAY-G Houses

Uttar
Pradesh
PMAY-G Houses

Rajasthan
Thank You
PMAY-G Convergence - LPG

S. No. State House above lintel level House

1 UTTAR PRADESH 1306315 621402

2 RAJASTHAN 677765 312029
3 CHHATTISGARH 749420 313904
4 WEST BENGAL 1361057 567028
5 PUNJAB 13770 5494
6 HARYANA 15656 5684
7 JHARKHAND 502081 175708
8 MADHYA PRADESH 1479424 486565
9 UTTARAKHAND 12399 3920
10 BIHAR 729910 222522
11 ASSAM 213557 65097
12 ODISHA 999481 295029
13 GUJARAT 190944 53108
14 MAHARASHTRA 407250 84839
15 JAMMU AND KASHMIR 22205 4468
(As on 14th November 2019)
PMAY-G Convergence - LPG

S. No. State House above lintel level House

16 KARNATAKA 100817 19924
17 MANIPUR 9165 1444
18 TAMIL NADU 216483 33879
19 DAMAN AND DIU 13 2
20 ARUNACHAL PRADESH 135 20
21 TRIPURA 25209 3351
22 MEGHALAYA 17273 2182
23 HIMACHAL PRADESH 7009 710
24 KERALA 16708 838
25 SIKKIM 1045 49
26 DADRA AND NAGAR HAVELI 490 21
27 MIZORAM 2358 48
28 ANDHRA PRADESH 46911 649
29 GOA 39 0
30 NAGALAND 79 0
31 ANDAMAN AND NICOBAR 2 0
32 LAKSHADWEEP 22 0
Average person-days recorder against completed rural
houses in NregaSoft in 2017-18 and 2018-19 (1/3)
S. No State Name Average Mandays

1 Arunachal Pradesh -

2 Assam 92.08

3 Bihar 90.61

4 Chhattisgarh 88.55

5 Goa -

6 Gujarat 87.31

7 Haryana 78.36

8 Himachal Pradesh 89.58

9 Jammu And Kashmir 85.05

10 Jharkhand 82.71

11 Kerala 80.67

12 Madhya Pradesh 89.69

13 Maharashtra 88.17

14 Manipur 20.78
(As on 14th November 2019)
Average person-days recorder against completed rural
houses in NregaSoft in 2017-18 and 2018-19
S. No State Name Average Mandays
15 Meghalaya 92.34
16 Mizoram 43.25
17 Nagaland -
18 Odisha 93.11
19 Punjab 87.45
20 Rajasthan 83.77
21 Sikkim -
22 Tamil Nadu 79.52
23 Tripura -
24 Uttar Pradesh 86.22
25 Uttarakhand 83.22
26 West Bengal 88.12
27 Andaman And Nicobar -
28 Dadra And Nagar Haveli -
Average person-days recorder against completed rural
houses in NregaSoft in 2017-18 and 2018-19

S. No State Name Average Mandays

29 Daman And Diu -
30 Lakshadweep -
31 Puducherry -
32 Andhra Pradesh -
33 Karnataka 80.66
34 Telangana -