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              Pradhan Mantri Gram Awaas Yojna

Pradhan mantri gram awaas yojna is launched by our honerable Prime minister on 25th june 2015.the main motive of this scheme is to provide housing facility for the rural poor in india.this scheme was also launched earlier by our former Prime minister Rajiv Gandhi in 2002.
     This scheme is came under the ministry of Rural Development. This scheme help people who belongs to BPL will get the benefit. In this scheme government give financial assistance of RS70000 in plain areas and RS 75000 in difficult areas like hilly areas for contruction of houses. The house are allotted in the name of the women or jointly between husband and wife. Under this scheme construction of houses through contractor or builder is strictly prohibited. Sanitary toilets and smokeless chulla  are provided by “Total sanitation campaign” and “Rajiv Gandhi gramin vidutikaran yojna” respectively.
                 The main purpose of this scheme is to provide house to every family in rural areas by providing some financial assistance and increase their level of living.
The financial assistance provided by government to the people who are in BPL and also for scheduled caste and scheduled tribes, freed bonded labours, widows.
The sharing of cast under this scheme between central and state government  are in the ratio of 75% :25%. But in north east states the central government funds 90% and in union territories central government funds 100%. Under these scheme government plan to built 2 crores plus houses.
This scheme is very beneficial for peoples who dreams to make their own house but due to financial problem they cannot. But now thet can make their own house.

Pradhan mantra awas yojna

Pradhan mantra awas yojna was launched by pradhan mantri narender modi to provide the most basic need of human being i.e their own house. A house is only place people feel secure . now in this sinerio buying own house is very difficult for poor people.this scheme was launched on june 25 ,2015 .the primary aim for this yojna is to ensure 2 crore houses all over the nation .
The primary target of this scheme are poor people of india belonging to LIG (low income group ) and EWS (economically weaker section) . this scheme consist of three phases –
(I)            Targeted 100 cities all over the india.
(II)        Targeted 200 cities all over the india.
(III)    All the remaining cities in india.
The eligibility criteria of people for this scheme –
(I)            Indian women of all religion and castes every one is equally eligible
(II)        People who have low income.
(III)    Schedule tribes.
(IV)    Schedule cast.
The primary feature of this yojna –
(I)            Subsidiary will be provided to people from LIG and EWS ,central government will provide this subsidiary.
(II)        Female will be given preferences over man.
(III)    This scheme follow eco-friendly construction technology.

(IV)    Central government will grant average INR 100000 to each.

Pradhan mantri gramin awaas yojana

The Pradhan Mantri Gramin Awaas Yojana (PMGAY) earlier Indira Awaas Yojana (IAY) focus on providing housing for poor peoples. IAY was launched by Rajiv Gandhi, the then Prime Minister of India, as one of the major welfare program for the people below poverty line. Under this scheme, the construction of house, washroom and smokeless chullah was in the hands of government and contractors take no part in between. 
The house constructed was registered on the name of women or between husband and wife. All funds required for the construction of house was given by central government and funds for toilets and chullah were provided by "Total Sanitation Campaign" and "Rajiv Gandhi Grameen Vidyutikaran Yojana" respectively. The PMGAY was launched or restructured by present Prime Minister Narendra Modi. 

The purpose of the scheme is to provide financial assistance to some of the weakest sections of society for them to upgrade or construct a house of respectable quality for their personal living. The vision of the government is to replace all temporary (kutchcha) houses from Indian villages by 2017. IAY is a central government scheme where money for construction is contributed by both central and state government where the ratio of central government is much more than that of state government i.e. 75:25 except in North-eastern states and union territories. In north-eastern states central government contributes 90% and in union territories 100%.


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