Tuesday 16 February 2021

Houses for all - PMAY Gramin

A housing scheme for rural poor has been in existence since long but implementation was poor and stuck in red-tape. The Comptroller and Auditor General of India whose department performs the Central Audit had found non-assessment of housing shortage, lack of transparency in selection of beneficiaries, low quality of the house, lack of technical supervision, loans not availed by beneficiaries and weak mechanism for monitoring were limiting the impact and outcome of the programme.

Pradhan Mantri Awas Yojana – Gramin was launched in Nov. 2016 with the aim of providing housing for all in rural areas. The scheme subsumes the earlier Indira Awaas Yojana and has a target was 2.95 cr (29.5 mn) by 2022. PMAY-G aims at providing a pucca house which includes amenities like water, gas, toilet and electricity supply in all the households and a hygienic cooking space. Unskilled labour is provided from MGNREGS and, with houses being constructed using New Technologies, the time for construction has reduced from 314 days to 114 days with direct benefit transfer (DBT) of funds. Here the accounts opened under Jan Dhan Yojna would have been really helpful - it also eliminated the middlemen, much to their anger 😁😁

A constraint of lack of sufficient skilled masons is addressed by a pan-India training programme of masons. For timely construction, the scheme also provides tagging a PMAY-G beneficiary with a field level Government functionary and a Rural Mason.

http://www.businessworld.in/article/-Target-of-construction-of-2-95-crore-houses-under-PMAY-G-expected-to-be-achieved-by-March-2022-Centre/25-07-2020-301244/

The status of the scheme is available on the website of Ministry of Rural Development and, I must say, I am absolutely in awe – data is current. Excluding the 72 lakh houses under Indira Awaas Yojna which have been completed, the status is: Target  2.23 crs houses, sanctioned 1.90 crs and already completed 1.29 crs. – so they are well on track. Their site is otherwise too, amazingly informative. As is the linkage with banks and financiers.

When being updated this site is sometimes not available . The source site of the Ministry is:

8 comments:

Anju Saha said...

From PC:One more important thing is that these loans are provided to women and the houses are registered in their names to empower them.
The loan is given in instalments. When the initial phase of the house is complete a team goes to check , when they are satisfied that the money has been used for the house only they release another instalment. ( this was told to me by assistant who hails from a village in bihar)

Anju Saha said...

Yes, evem my maid says this in her hometown in WB. And the other maid who hails from Assam says that under the Indira scheme, walls of only two feet could be completed, the balance funds were not given to them.

Anju Saha said...

From CP: Yes, it’s one of the flagship programs where I’ve personally come across few beneficiaries in my limited circle. The challenge always remains selection of needy recipients and last mile delivery. Meeting people who’ve actually benefited and are deserving, is quite satisfying.

Anju Saha said...

From TKB: This is really awesome!

Anju Saha said...

From MG: Very impressive!

Anju Saha said...

From RD: Thats nice

Anju Saha said...

From RG: excellent means excellent 👏👏👏 can’t clap enough....and you know what’s incredible - modi does not put his name anywhere....full and total love and respect to him ❤️

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