Pradhan Mantri Awas Yojana (Gramin)

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    • The Union Ministry of Rural Development has come up with a set of penalties that the State governments will have to bear for any further delay.

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    • West Bengal, Chhattisgarh and Odisha and Assam are the leading four laggard States who are far behind their targets.
    • This is the first time, since the scheme started in April 2016 with a target of constructing 2.95 crore houses, that the Union Government has introduced a penalty clause.
    • If the sanction of the house is delayed for more than one month from the date of issue of the target, the State government will be penalized ?10 per house for the first month of delay and ?20 per house for each subsequent month of delay.
    • If the first instalment to the beneficiary is delayed for more than seven days from the date of sanction the state governments will have to pay ?10 per house per week of delay.
    • No penalty if the central funds are not available with the State.

    Pradhan Mantri Awas Yojana (Gramin)

    • It was launched by the Ministry of Rural Development.
    • Aim: Provide a pucca house, with basic amenities, to all houseless householders and those households living in kutcha and dilapidated houses, by 2024.
      • It targets the construction of 95 crore houses with all basic amenities by the year 2024.
    • It is a social welfare program through which the Government provides financial assistance to houseless beneficiaries identified using SECC 2011 data to help them construct a house of respectable quality for their personal living. 
    • Under PMAY, the cost of unit assistance is to be shared between Central and State Governments in the ratio 60:40 in plain areas and 90:10 for North Eastern and hilly states.

    Source: TH