Framework For Implementation

of
Pradhan Mantri Awaas Yojana- Gramin
(PMAY-G)

(2022)
Message by Minister
Message by Minister
FOREWORD
 TABLE OF CONTENTS
Chapter Content and Sub-heads Page
No.
Executive Summary (i)- (iv)
List of Abbreviations (v)- (viii)
1 History of Rural Housing Programme in India 1-2
2 Key Features of PMAY-G 3-5
2.1 Aim and Objective 3
2.2 Key features of PMAY-G 3
3 Financial Arrangement and Targets 6-11
3.1 Sharing of the Scheme Cost 6
3.2 Allocation of Scheme funds 6
3.3 Administrative funds 6
3.4 Earmarking of Targets 8
3.5 Empowered Committee 10
3.6 Annual Action Plan 11
4 Identification and Selection of Beneficiaries 12-17
4.1 Universe of Eligible Beneficiaries 12
4.2 Prioritization within the Universe 12
4.3 Preparation of Priority Lists 13
4.4 Verification of Priority Lists by Gram Sabha (or 13
Village Sabha or the lowest unit of local self-government as
recognized by the respective State/UT Panchayat Act)
4.5 Grievance Redressal 15
4.6 Updation of Permanent Wait list 16
4.7 Preparation of Annual Select Lists 17
5 Construction of House 18-23
5.1 Unit Assistance to the Beneficiary 18
5.2 Tagging of Land and Mapping of Field Functionary 19
and Mason to Beneficiary
5.3 Issue of Sanction letter to Beneficiary 20
5.4 Release of first instalment to Beneficiary 21
5.5 Mode of Construction 21
5.6 Time limit for completion of House by the 21
beneficiary
5.7 Release of assistance to the beneficiaries 22
6 Beneficiary Support Services 24-30
6.2.1 Sensitization of the beneficiaries 24
6.2.2 Development and provision of house design 25
typologies
6.2.3 Training of Masons and Skill Certification 27
6.2.4 Sourcing of construction material 29
 6.2.5 Support to old and beneficiaries with disabilities 29
6.2.6 Facilitating loan of up to Rs.70,000 from Banks 29
7 Implementation and Support Mechanism 31-38
7.1 National Technical Support Agency for Rural 31
Housing
7.2 Technical Support at the State Level 32
7.3 State Programme Management Units 32
7.4 Committees at the State and District level 36
7.5 Role of Gram Panchayat 36
7.6 Role of Self-Help Group accredited to NRLM 38
8 Convergence 39-41
9 Reporting and Monitoring Performance 42-
9.1 Reporting 42
9.2 Performance 42
9.3 Monitoring 43
9.3.1 Monitoring by Government of India 43
9.3.2 Monitoring by State/UT Governments 44
9.4 Community/Participatory Monitoring 45
9.5 Audit 45
9.6 Social Audit 45
10 Fund Management and Release 47-58
10.1 Fund Management- Basic Principles 47
10.2 Fund Release and Accounting 49
10.3 Submission of proposals and release of funds 50
10.4 Procedure for release of first instalment 52
10.5 Procedure for release of second instalment 52
10.6 Transfer of Central Share to Single Nodal Account 57
10.7 Release of State share 58
10.8 Reallocation 58
10.9 Penalty Provision 58
11 Special Projects 59-60
11.1 Allocation for Special Projects 59
11.2 Proposal for Special Projects 60
11.3 Funds for Special Projects 60
12 Grievance Redressal 61
13 e-Governance in PMAY-G 62-75
13.1 AwaasSoft 62
13.1.1 Features of AwaasSoft 63
13.1.2 Functions handled by various user levels on 67
AwaasSoft /AwaasApp
13.2 Managing PMAY-G at different levels 68
13.3 Process of data entry 69
 13.4 Fund flow through AwaasSoft 70
13.5 Monitoring Progress on AwaasSoft 73
13.6 Transactions through PFMS 73
13.7 Mobile Application: AwaasApp 74
13.8 Dedicated Micro-Monitoring Dashboard 75
14 Greening PMAY-G 76-78
14.1 The Vision 76
14.2 What is a green building 77
14.3 Objectives of Green housing under PMAY-G 77
14.4 How to choose Green Materials &Technologies 77
14.5 Incentives and Promotion of Green Housing 78
15 Annexures
Annexure I Exclusion process for beneficiary 79
selection
Annexure II (A) Checklist for release of 2nd instalment 80-82
(Housing Funds)
Annexure II (B) Checklist for release of 2nd instalment 83-85
(Administrative Funds)
Annexure III (A) Proforma for submission of proposal 86-87
for release of 2ndinstallment (Housing
Funds)
Annexure III (B) Proforma for submission of proposal 88-89
for release of 2ndinstallment
(Administrative Funds)
Annexure IV Format for Utilisation Certificate for 90-91
PMAY-G (Housing Funds)
Annexure V Format for Expenditure Statement for 92-93
the current financial year - PMAY-G
(Housing Funds)
Annexure VI Format for Utilisation Certificate for 94-95
PMAY-G (Administrative Funds)
Annexure VII Format for Expenditure Statement for 96-97
the current financial year - PMAY-G
(Administrative Funds)
Annexure VIII Formation of Committee-I for Revision 98-99
(A) of Framework of implementation of
PMAY-G
Annexure VIII Formation of Committee-II for 100-102
(B) finalisation of Framework of
implementation of PMAY-G (2022)
Annexure IX (A) Prakriti Hunar Lokvidya – PAHAL and 103
PAHAL Vol. II
Annexure IX (B) Procedure to be adopted for dealing 104-106
 with unwilling beneficiary cases
Annexure IX (C) Death of beneficiary under PMAY-G - 107-111
Procedure for dealing with cases
where PMAYG beneficiary has died
Annexure IX (D) Procedure to be adopted for dealing 112-113
with cases of permanent and temporary
migration of beneficiaries
Annexure IX (E) Guidelines for construction of demo 114
houses
Annexure IX (F) Guidelines on social Audit under 114
PMAY-G
Annexure IX (G) Guidelines for Rural Mason Training 114
under PMAY-G
Annexure IX (H) Workflow and processes involved in 115-123
deletion of households from PWL and
remanding cases to Gram Sabha /
Remand Module
Annexure IX (I) Guidelines on Muster Roll generation 124-125
under MGNREGS for PMAY-G
beneficiaries
Annexure IX (J) User Manual For Target Fixing And 126-141
Sanction Of Houses From Awaas+
Lists Under PMAY-G
Annexure X Format for submission of undertaking 142
for interest remittance
Annexure XI Penalty Provision/Deduction in 143-144
Administrative Fund Provided by
Government of India due to delay in
activities undertaken in Pradhan Mantri
Awaas Yojana - Gramin
SCHEDULE 145
 Executive Summary
1. Public housing programme in the country started with the rehabilitation of
refugees immediately after independence and since then, it has been a major
focus area of the Government as an instrument of poverty alleviation. Rural
housing program, as an independent programme, started with Indira
AwaasYojana (IAY) in January 1996. Although IAY addressed the housing
needs in the rural areas, certain gaps were identified during the concurrent
evaluations and the Performance Audit by Comptroller and Auditor General
(CAG) of India in 2014. These gaps, i.e. non-assessment of housing shortage,
lack of transparency in selection of beneficiaries, low quality of house and lack
of technical supervision, lack of convergence, loans not availed by beneficiaries
and weak mechanism for monitoring, were limiting the impact and outcomes of
the programme.
2. Government has committed to provide “Housing for All” by 2024. To fulfil
the Government’s commitment and address rural housing gaps, Pradhan
Mantri Awaas Yojana- Gramin (PMAY-G) is being implemented w.e.f. 1st
April, 2016.

3. PMAY-G aims to provide pucca houses with basic amenities to all eligible houseless
households and households living in kutcha and dilapidated house in rural areas by
2024. To achieve the objective of “Housing for All” the target number of houses to
be constructed by the year 2023-24, is 2.95 Crore. In the first phase, 1.00 crore
houses were taken up for construction in 3 years, i.e., 2016-17 to 2018-19. To
complete the overall target of 2.95 crore houses under PMAY-G, the remaining
houses are to be completed by March, 2024.The minimum size of the house has
been increased to 25 sq.mt. (from 20 sq.mt.) with a hygienic cooking space. The
unit assistance has been increased from Rs. 70,000 to Rs. 1.20 lakh in plains and
from Rs 75,000 to Rs.1.30 lakh in Hillstates/UTs of J&K and Ladakh, North
Eastern States, difficult areas and IAP/worst affected Left-Wing Extremism
(LWE) districts. The beneficiary is entitled to 90/95 person days of unskilled
labour from MGNREGS. The assistance for construction of toilet shall be
leveraged through convergence with SBM-G, MGNREGS or any other dedicated
source of funding. Convergence for piped drinking water, electricity connection,
LPG gas connection etc. under different Government programmes is also to be
attempted.
4. 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 2 Hill States

i
 (Himachal Pradesh and Uttarakhand) and UT of Jammu and Kashmir. In
respect of other Union Territories, 100% cost is borne by Government of
India. From the annual provision of funds for PMAY-G, 95% of funds are
earmarked for construction of new houses. This includes 2% allocation
towards administrative funds for administering the scheme at the Central and
State level. However, any changes in the administrative funds would be
notified by the Ministry.For Special Projects, 5% of the total funds would be
retained at the Central Level as reserve fund. The annual financial allocation to
the states is to be based on the Annual Action Plan (AAP) approved by the
Empowered Committee and the funds to States / UTs is to be released in two
equal installments.
5. One of the most important features of PMAY-G is the selection of beneficiary.
To ensure that assistance is targeted at those who are genuinely deprived and
that the selection is objective and verifiable, PMAY-G, selects beneficiaries
using housing deprivation parameters in the Socio Economic and Caste
Census (SECC), 2011 data which is to be verified by the Gram Sabhas. The SECC
data captures specific deprivation related to housing among households. Using
the data households that are houseless and living in 0, 1 and 2 kutcha wall and
kutcha roof houses can be segregated and targeted. The Permanent Wait List so
generated also ensures that the states have ready list of households to be covered
under the scheme (through Annual Select Lists) leading to better planning of
implementation. To address grievances in beneficiary selection, an appellate
process has also been put in place.
6. In addition, a mobile application, Awaas+, has been developed to capture
details of potentially eligible households, including geo-tagged photograph of
the present dwelling and the proposed site for construction of PMAY-G
house. The Awaas+ survey was conducted during January 2018- March 2019
and the details of the potential households captured using the mobile
application would be verified and validated and the final list of households
prepared thereafter could be included in the Permanent Wait List.
7. To provide technical support in achieving the target of Housing for All, a
National Technical Support Agency (NTSA) is being set up at the national
level.The activities of the Agency, inter-alia, would include ensuring quality
construction, promoting green housing, supporting the Ministry and States
for adoption of green construction norms, monitoring of implementation,
management of extra budgetary resources, Information Education and
Communication (IEC) activities, development and management of e-
ii
 Governance solutions, data analytics, organize trainings & workshop, and
coordinate / monitor / facilitate the functioning of Technical Facilitation
Centers identified by the State / UT Governments, transition towards
greening on PMAY-G houses, reporting towards India’s Sustainable
Development Goals
8. The availability of skilled masons in rural areas is imperative to ensure that the
houses constructed under the scheme are of good quality. In this regard, the
Government of India has rolled out Rural Mason Training (RMT) Program
under PMAY-G and set a target to train adequate number of masons by
March 2024. The initiative is being assisted by the National Skill
Development Corporation (NSDC) and the data of the same is being
maintained on their Skill India Portal.

9. The beneficiary to be assisted by States/UTs in house construction with a bouquet

of house design typologies inclusive of disaster resilience features that are suitable
to their local geo climatic conditions. These designs ensure that the beneficiary
does not over-construct in the initial stages of house building which often results in
incomplete houses or the beneficiary is forced to borrow money to complete the
house. Guidance to enable construction of green houses under PMAY-G is
also incorporated in the provisions of the scheme.

10. In PMAY-G, programme implementation and monitoring is to be carried out

through an end to end e-Governance model - Using AwaasSoft and AwaasApp.
While AwaasSoft is a work-flow enabled, web-based electronic service delivery
platform through which all critical functions of PMAY-G, right from
identification of beneficiary to providing construction linked assistance
(through PFMS), will be carried out; AwaasApp - a mobile application is to be
used to monitor real time, evidence based progress of house construction
through date and time stamped and georeferenced photographs of the house.
The two IT applications help identify the slipups in achievement of targets
during the course of implementation of the program. All payments to
beneficiaries are to be through DBT to beneficiary's Bank/Post office accounts
registered in AwaasSoft MIS.

11. The States have to come up with their Annual Action Plan of PMAY-G that will
include a plan for convergence with other Government programs. The
mechanism for convergence in PMAY-G is also to be strengthened through a
system to system real-time transfer of information between the program that are to
converge with PMAY-G.

iii
12. A willing beneficiary is to be facilitated to avail institutional finance up to
Rs.70,000/- which would be monitored through the SLBC, DLBC and BLBC.

13. The programme implementation is to be monitored not only electronically, but

also through community participation (Social Audit), Members of Parliament
(DISHA Committee), Central and State Government officials, National Level
Monitors etc.

iv
 List of Abbreviations

S. No. Abbreviation Full Form

1 AAP Annual Action Plan
2 ABPS Adhaar Based Payment System
3 BDO Block Development Officer
4 BES Budget Estimate Submission
5 BLBC Block Level Banker’s Committee
6 BMTPC Building Materials and Technology Promotion Council
7 BPL Below Poverty Line
8 C&AG Comptroller and Auditor General
9 CBS Core Banking Solutions
10 CCA Chief Controller of Accounts
11 CDM Community Development Movement
12 CGI Corrugated Galvanised Iron
13 CLTD Corporate Liquid Term Deposit
Centralized Public Grievance Redress and Monitoring
14 CPGRAMS
System
15 CRP Community Resource Person
16 CRS Coursed Rubble Stone
17 CSDCI Construction Skill Development Council of India
18 CSO Civil Society Organisation
19 CSR Corporate Social Responsibility
Deendayal Antyodaya Yojana – National Rural
20 DAY-NRLM
Livelihood Mission
21 DDG Detailed Demand for Grants
22 DDUGJY Deen Dayal Upadhyay Gram Jyoti Yojana
23 DGT Director General of Training
24 DISHA District Development Coordination and Monitoring
25 DLBC District Level Bankers Committee
26 DOT Director General of Training
27 DRI Differential Rate of Interest
28 DSC Digital Signature Certificates
29 EAT Expenditure, Advance, and Transfer
30 EBR Extra Budgetary Resources
31 EC Empowered Committee
32 eFMS Electronic Fund Management System
33 FFI Framework for Implementation
34 FHTC Functional Household Tap Connection
35 FRMS Financial Reconciliation Management System
36 FTO Fund Transfer Order
37 FY Financial Year
v
S. No. Abbreviation Full Form
38 GFR General Financial Rules
39 GHG Greenhouse Gas
40 GIS Geographic Information System
41 GP Gram Panchayat
42 HGNSJ Har Ghar Nal Se Jal
43 HIV Human Immunodeficiency Virus
44 HSCAS House Sites Cum Construction Assistance Scheme
45 IAP Integrated Action Plan
46 IAY Indira Awaas Yojana
47 ID Identity
48 IEC Information, Education and Communication
49 IFMIS Integrated Financial Management Information System
50 IFSC Indian Financial System Code
51 IIT Indian Institute of Technology
52 IT Information Technology
53 JJM Jal Jeevan Mission
54 JRY Jawahar Rozgar Yojana
55 KG Kilogram
56 LPG Liquefied Petroleum Gas
57 LWE Left Wing Extremism
Mahatma Gandhi National Rural Employment Guarantee
58 MGNREGA
Act
Mahatma Gandhi National Rural Employment Guarantee
59 MGNREGS
Scheme
60 MH Multi-hazard
61 MIS Management Information System
62 MJ Megajoule
63 MNRES Ministry of New and Renewable Energy Sources
64 NABARD National Bank for Agriculture and Rural Development
65 NACH National Automated Clearing House
66 NBCP National Bio-Mass Cookstoves Programme
67 NDC Nationally Determined Contributions
68 NE North East
69 NEFT National Electronics Fund Transfer
70 NER North Eastern Region
71 NGO Non-Government Organisation
72 NIC National Informatics Centre
National Institute of Rural Development and Panchayati
73 NIRD & PR
Raj
74 NIT National Institute of Technology

vi
S. No. Abbreviation Full Form
75 NITI National Institution for Transforming India
76 NLM National Level Monitors
77 NRDWP National Rural Drinking Water Programme
78 NREP National Rural Employment Programme

80 NRLM National Rural Livelihood Mission

81 NRRDA National Rural Roads Development Agency
82 NSDC National Skill Development Corporation
83 NTSA National Technical Support Agency
84 OTP One Time Password
85 PAHAL Prakriti Hunar Lokvidya
86 PD Personal Deposit
87 PFMS Public Financial Management System
88 PH Physically Handicapped
89 PLHIV People living with HIV
90 PMAY-G Pradhan Mantri Awaas Yojana - Gramin
91 PMU Programme Management Unit
92 PMUY Pradhan Mantri Ujjwala Yojana
93 PVTG Particularly Vulnerable Tribal Groups
94 PWL Permanent Wait List
95 QP Qualification Pack
96 QR Quick Response
97 RBI Reserve Bank of India
98 RCC Reinforced Cement Concrete
99 RD Rural Development
100 RH Rural Housing
101 RLEGP Rural Landless Employment Guarantee Programme
102 RMT Rural Mason Training
103 RPL Recognition of Prior Learning
104 RR Random Rubble
105 RSETI Rural Self Employment Training Institutes
106 SAGY Saansad Adarsh Gram Yojana
107 SAU Social Audit Unit
108 SBM-G Swachh Bharat Mission-Gramin
109 SC Scheduled Caste
110 SCB Scheduled Commercial Banks
111 SDG Sustainable Development Goal
112 SECC Socio Economic Caste Census
113 SHG Self Help Group
114 SLBC State Level Bankers Committee

vii
S. No. Abbreviation Full Form
115 SME Small and Medium-sized Enterprise
116 SMS Short Message Service
117 SNA Single Nodal Account
118 SOP Standard Operating Procedure
119 SPV Special Purpose Vehicle
120 ST Scheduled Tribe
121 STSA State Technical Support Agency
122 TAF Total Available Fund
123 UC Utilisation Certificate
124 UIDAI Unique Identification Authority of India
125 UNDP United Nations Development Program
126 UT Union Territory
127 VHP Village Housing Programme
128 WC Water Closet

viii
 CHAPTER – 1

HISTORY OF RURAL HOUSING PROGRAMME IN INDIA

1.1 Public housing programme in the country started with the

rehabilitation of refugees immediately after independence. Till the year
1960, nearly 5 lakh families were provided houses in different parts of
India.

1.2 In 1957, as a part of the Community Development Movement

(CDM) a Village Housing Programme (VHP) was introduced providing
loans to individuals and cooperatives, of up to Rs.5,000/- per unit. Only
67,000 houses could be constructed in this scheme till the end of the 5 th
Five Year Plan (1974-1979). Another scheme introduced in the 4th Five
Year Plan (1969-1974), called the House Sites-cum-Construction
Assistance Scheme (HSCAS), was also transferred to the State Sector
from 1974-75.

1.3 Specific focus on rural housing in India, has its origin in the wage
employment programmes of National Rural Employment Programme
(NREP -1980), and Rural Landless Employment Guarantee Programme
(RLEGP- 1983), by allowing construction of houses under these
programmes for SCs/STs and freed bonded labourers. A full-fledged
rural housing program Indira Awaas Yojana (IAY) was later launched in
June, 1985 as a sub-scheme of RLEGP, with earmarking of funds, for
the construction of houses for SCs/STs and freed bonded labourers.
When Jawahar Rozgar Yojana (JRY) was launched in April, 1989, 6% of
the funds were allocated to housing for SCs/STs and freed bonded
labourers. In 1993-94, the coverage was extended to Non-SC/ST
families, by increasing the earmarked fund for housing under JRY to
10%. The additional 4% was to be used for non-SC/ST category of
beneficiaries.

1.4 Indira Awaas Yojana (IAY) was made an independent programme

with effect from 1st January, 1996 aimed at addressing housing needs of
the Below Poverty Line (BPL) households. After more than 30 years of
its implementation, although IAY addressed the rural housing shortage

1
considerably, however, in view of the limited scope of coverage under
the programme there were still considerable gaps in rural housing.

1.5 To meet the objective ofthe Government to provide “Housing for

All” by 2024Pradhan Mantri Awaas Yojana- Gramin (PMAY-G) is being
implemented w.e.f. 1st April, 2016. PMAY-G was launched on 20th
November 2016 by Hon’ble Prime Minister from Agra, Uttar Pradesh.

2
 CHAPTER – 2

KEY FEATURES OF PMAY-G

2.1 Aim and Objective

2.1.1 PMAY-G aims to provide pucca houses with basic amenities to all
eligible houseless households and households living in kutcha and
dilapidated house in rural areas by 2024. To achieve the objective of
“Housing for All” the target number of houses to be constructed by the
year 2023-24, is 2.95 Crore. In the first phase, 1.00 crore houses were
taken up for construction in 3 years, i.e., 2016-17 to 2018-19. To
complete the overall target of 2.95 crore houses under PMAY-G, the
remaining houses are to be completed by March, 2024. PMAY-
Genvisages construction of quality houses by the beneficiaries
themselves using locally available construction materials,
usingappropriate house design typologies and through trained rural
masons.

2.2 Key Features of PMAY-G

a. Providing assistance for construction of 2.95 crore houses in rural

areas over the period 2016-17 to 2023-24.
b. The minimum unit (house) size enhanced from 20 sq. mt. (under
IAY) to 25 sq. mt, including a dedicated area for hygienic cooking.
c. Enhancement of unit assistance from Rs. 70,000 to Rs. 1.20 lakh
in the plains and from Rs 75,000 to Rs.1.30 lakh in
HillStates/UTs 1 , North Eastern States, difficult areas and
Integrated Action Plan (IAP)districts2.
d. The cost of unit (house) assistance is shared between Central and
State Governments in the ratio 60:40 in plain areas and 90:10 for
North-Eastern and 2HillStates (Himachal Pradesh and
Uttarakhand) and UT of Jammu and Kashmir. In respect of other

1
The States of Himachal Pradesh and Uttarakhand and Union Territories of Jammu
and Kashmir & Ladakh are included underthe category of “Hill States”.
2
Districts identified under Integrated Action Plan
3
 Union Territories, 100% cost is borne by the Government of
India.
e. Provision of assistance (Rs.12,000/-) for toilets through
convergence with Swachh Bharat Mission – Gramin (SBM-G),
MGNREGS or any other dedicated source of funding.
f. Provision of 90/95 persondays of un-skilled wage labour under
MGNREGS for construction of house, over and above the unit
assistance.
g. Identification and selection of beneficiaries, based on the housing
deficiency and other social deprivation parameters in SECC-2011
data and finalised Awaas+ lists, and verified by the respective
Gram Sabhas.
h. The beneficiaries of PMAY-G, in addition to being provided
financial assistance, are also offered technical assistance in the
construction of quality house.
i. If the beneficiary so chooses, he/she will be facilitated to avail
loan of up to Rs.70,000/- from Financial Institutions.
j. Special Projects, to be sanctioned by the Ministry of Rural
Development after the approval of the Empowered Committee.
k. Convergence with other Government schemes for provision of
basic amenities viz., toilet, drinking water, electricity, clean &
efficient cooking fuel, treatment of solid and liquid waste etc.
l. All Payments/Transfer of assistance to beneficiaries to be done
only electronically to their Bank/Post office accounts that are
linked to Aadhaar with consent.
m. Sensitisation of the beneficiaries on PMAY-G.
n. Focus on construction of quality houses by the beneficiaries,
encouraginguseoflocally available construction materials
andappropriate house design typologies and trained rural masons.
o. Adoption of saturation approach - Gram Panchayat, Block or
District as unit, wherever possible.
p. Orienting PMAY-G beneficiaries towards the processes, financial
assistance mechanism, appropriate house designs, suitable
construction materials, green technologies and convergence with
other schemes.
4
q. To ensure quality of houses constructed, pan India training and
certification programmes for rural mason
r. Bouquet of house design options with disaster resilience features
according to local conditions, using appropriate technology
suitable to their region are made available to the beneficiaries.
s. The programme is being implemented and monitored through
end-to-end e-governance solutions, viz. AwaasSoft and
AwaasApp, details of which are given in Chapter 13.
t. The guidance to enable green housing has been provided in
Chapter 14.

5
 CHAPTER – 3

Financial Arrangement and Targets

3.1 Sharing of the Scheme Cost

3.1.1 To achieve the objective of “Housing for All” by 2024 PMAY-G

aims at construction of 2.95 crore houses. The Unit cost is Rs. 1.20 lakh
in plain areas and Rs. 1.30 lakh in Hill States/UTs, North Eastern States,
difficult areas and IAPdistricts. The cost under PMAY-G is shared
between Centre and the States in the ratio of 60:40. In the case of North-
Eastern Region (NER) States, two Hill States viz., Himachal Pradesh and
Uttarakhand and Union Territory of Jammu & Kashmir, the sharing
pattern is in the ratio of 90:10. Centre provides 100% share in respect of
other Union Territories (UTs).

3.2 Allocation of Scheme funds

3.2.1 The annual provision of funds for PMAY-G, funds for

construction of new houses and 2% allocation (from 1st April 2019)
towards administrative expenses for administering the scheme at the
Central and State level.

3.2.2 At the onset of the Financial Year, the Annual Financial

Allocation (Program and Admin Fund) would be decided for each
State/UT on the basis of previous year’s performances - houses pending
for completion & utilization of available funds, and targets allocated in
the current year. The Annual Financial Allocation would be part of the
Annual Action Plan (AAP) and would be approved by the Empowered
Committee chaired by Secretary (RD).

3.3 Administrative Funds

3.3.1 2% of the programme funds shall be available for administering

the scheme both at the Central and State level. Out of, this, 1.7% is
released to States / UTs and 0.3% is retained at the Central Level. The
2% earmarked for administrative funds is over and above the
programme funds shared by the Government of India and State

6
Governments in the same ratio as applicable for program fund. Of the
total administrative funds released to the State, up to 12.5% could be
retained at the State/UT level and remaining 87.5% may be distributed to
the districts in proportion to their targets. This ratio of 1:7 of
administrative funds between the State and Districts can be relaxed
with the approval of the Ministry on submission of specific
proposal with adequate justification by the States/UTs. The items
of expenditure that are permitted to be incurred from the administrative
funds are as follows: -

i) Activities to sensitise and impart habitat literacy and

housing literacy to the beneficiaries;
ii) Construction of prototypes of house typologies for
demonstration;
iii) Cost of supervision and monitoring of scheme
implementation including mobility, IT (hardware and
software) and Communications systems, office
contingencies, incentives, etc.;
iv) Cost of setting up and operating PMU, including hiring of
personnel on contract;
v) Cost towards training and Certification of Masons;
vi) Training of Community Resource Persons (CRPs) viz.,
NRLM compliant SHGs, Asha workers, Anganwadi
workers and NGOs;
vii) Social audit and other audits;
viii) IEC Activities, Awards etc.;
ix) Organisation of review meetings, workshops etc.;
x) Wall painting of PWL at the Gram panchayat/Block
Development Office. Wall Painting of List of Trained
Masons;
xi) Payment of honorarium to CRPs and service charges to
NGOs;
xii) Training of officials and elected representatives of
Panchayats, including exposure visits;

7
 xiii) Conduct of assessments and studies including evaluation
studies;
xiv) Cost of demonstration of Innovative technologies and
works related to housing,
xv) Cost of engaging IIT/NIT or other institutes of repute as
State Technical Support Agency (STSA);
xvi) Cost towards monitoring the quality of construction of
PMAY-G houses;
xvii) Cost towards promotion of green housing typologies,
technologies, and materials.

3.3.1.1 Administrative fund may be utilized towards training and

Certification of Masons, as per the allocated target for RMT, including
training on appropriate building materials and technologies for green
housing.

3.3.2 Release of Additional Rs. 45 lakh as administrative fund annually

from Central Share of administrative funds (0.3% out of total
Administrative Fund of 2%) to each Smaller State viz. Himachal Pradesh,
Haryana, Goa, Punjab, Uttarakhand, North Eastern States except Assam
and Tripura and all UTs except J&K over and above the 1.70%
administrative funds released to the said States/UT (from FY 2021-22).

3.3.3 The items of expenditure that are strictly not permitted to be

incurred under administrative expenses are as follows: -

a) Salaries/ remunerations/ honorarium of permanent government

functionaries of the State Government / District / Block / GPs
or any other implementing agency

b) Purchase of new vehicles and repair of old vehicles

c) Purchase of Land

3.4 Earmarking of Targets

8
3.4.1. Under PMAY-G, minimum 60% of the target at the national level
is earmarked for SC/ST households. To maintain this, 60% of the target
allocated to each State / UT is earmarked for SC/STs, subject to
availability of eligible PMAY-G beneficiaries in the Permanent Wait List
(PWL). Within earmarked targets the proportion of SC and ST is to be
decided from time to time by the respective States/UTs. The
States/UTs, upon deciding the proportion of SC and ST in their
State/UT, shall communicate the same to the Ministry of Rural
Development. Further, the States / UTs are allowed to interchange
targets between SC and ST if there are no eligible beneficiaries from
either of the category and it is certified as such. In case all SC and ST
households in the Permanent Wait List are covered, and certified by the
Chief Secretary, the State / UT targets would be allocated to beneficiaries
from ‘Other’ category included in the Permanent Wait List after the
approval of the Ministry.

3.4.2 The earmarking will only define the minimum limit that should be
achieved and if State/UTs so desire they may add to target under these
categories to ensure saturation. This would be in consonance with the
category wise saturation approach which requires beneficiaries belonging
to vulnerable and disadvantaged groups to be covered on a priority basis.

3.4.3 Once the category SC/ST in a particular State/UT has been

exhausted, the same should be informed to the Ministry to avoid allotting
any more targets to that particular social category in that State/UT
during the next year.

3.4.4 States/UTs may follow a saturation approach keeping the Gram

Panchayat, Block or District as a unit. Priority shall be given to SAGY
Gram Panchayats, Rurban clusters, Open Defecation Free Gram
Panchayats, Gram Panchayat with strong social capital through DAY-
NRLM Self Help Groups of women, Aspirational Districts and Gram
Panchayats with Kala-azar affected Villages. Saturation approach
improves supervision, availability of masons and materials, and
comprehensive habitat planning.

9
3.4.5 The Rights of Persons with Disabilities Act, 2016, provides for
social security for persons with disabilities. Accordingly, in the scheme
of PMAY-G while deciding the inter-se priority among the beneficiaries
who are to be provided assistance, households with any persons with
disabilities and no able-bodied adult member have been accorded
additional deprivation score so that such households are given priority
while allotting the houses. Keeping in view the provisions of The Rights
of Persons with Disabilities Act, 2016, the States, to the extent possible,
may ensure that 5% of beneficiaries at the State Level are from among
persons with benchmark disabilities, with priority to women with
benchmark disabilities.

3.5 Empowered committee

3.5.1 There shall be an Empowered Committee chaired by the

Secretary, Department of Rural Development, Government of India to
approve the Annual Action Plan of the States / UTs. The Empowered
Committee shall consist of the of following members: -

a) Special Secretary/ Additional Secretary, Department of Rural

Development, Government of India

b) Joint Secretary level Officer in charge of Rural Housing,

Department of Rural Development, Government of India

c) Adviser, NITI Aayog

d) Representative of National Housing Bank

e) Secretary dealing with Rural Housing, of the State/UT concerned

f) Representative of Internal Finance Division.

3.5.1.1 The Committee may co-opt any other person as required to assist
it in its meetings

3.5.2 The other functions of the Empowered Committee are:-

a) To approve Special Projects

b) To approve State’s criteria for determination of “difficult areas”.

10
 c) To review the programme, suggest studies, measures for
promotion of green housing etc.

d) Any other matters related to PMAY-G

3.6 Annual Action Plan

3.6.1 The States/UTs should prepare a comprehensive Annual

Action Plan for implementation of PMAY-G. The Plan would, inter alia,
include the roadmap for time-bound completion of the houses
sanctioned and ensure convergence with other schemes.

3.6.2 The Annual Action Plan for the State should contain the
district-wise plan highlighting the strategy that is to be adopted for
saturating priority households. The district-wise plan will also, inter alia,
highlight mason training program, sources for construction material,
facilitation of loan to the beneficiary, development and dissemination
plan for house typologies, beneficiary sensitization workshops and all the
amenities that will flow to the beneficiary through convergence with
different schemes.

3.6.3 At the onset of the Financial Year, the Annual Financial

Allocation (Program and Admin Fund) would be decided for each
State/UT on the basis of previous year performances - houses pending
for completion and utilization of available funds & targets allocated in
the current year. The Annual Financial Allocation would be part of the
Annual Action Plan (AAP) and would be approved by the Empowered
Committee.

3.6.4 The State/UT shall upload Annual Action Plan in the prescribed
format on the AwaasSoft within the specific timelines prescribed by the
Ministry for that year.

11
 CHAPTER-4
IDENTIFICATION AND SELECTION OF BENEFICIARIES

4.0 Fairness and transparency in identification and selection of

beneficiaries is the cornerstone for realizing the goal of ‘Housing for All’.
To ensure that assistance is targeted at those who are genuinely deprived,
and that the selection is objective and verifiable, the housing deprivation
parameters in the SECC 2011 data and Awaas+ lists will be used for
identifying households and then verified by the Gram Sabhas.

4.1 Universe of Eligible Beneficiaries

4.1.1 The universe of eligible beneficiaries under PMAY-G will include

all the houseless and households living in zero, one or two room with
kutcha wall and kutcha roof (kutcha houses) as per SECC data subject to
the exclusion process described in Annexure-I. Additional beneficiaries
may be drawn from Awaas+ List.

4.2 Prioritisation within the Universe

4.2.1 There will be multi-layered prioritization within the universe of

eligible PMAY-G beneficiaries. Priority will be first assigned on the basis
of parameters reflecting housing deprivation in each category viz., SC/ST
and Others. To begin with, households will be prioritized based on
houselessness, followed by the number of rooms; zero, one and two
rooms, in that order. In a particular social category viz., SC/ST and
Others, households which are houseless or living in houses with lesser
number of rooms shall not be ranked below households living in houses
with greater number of rooms

4.2.2 Within the above priority groups, households that fulfil the criteria
of “compulsory inclusion”, as defined in SECC (criteria elaborated in
Annexure-I), are accorded the highest priority. For additional
beneficiaries drawn from Awaas+ lists, the instructions released in User
Manual [Annexure-IX(J)] and further modifications to the same will be
used for prioritisation. Automatically included households shall not rank
12
lower than other households within a priority group. Inter se priority
within the two sub groups viz. households which are automatically
included and otherwise, will be determined based on their cumulative
deprivation scores. The scores will be calculated from the socio-
economic parameters given below with each having equal weight.

i. Households with no adult member between age 16 to 59

ii. Female headed households with no adult male member between
age 16 to 59
iii. Households with no literate adult above 25 years
iv. Households with any member with disability and no able-bodied
adult member
v. Landless Households deriving the major part of their income from
manual casual labour

4.2.3 Households with higher deprivation scores will be ranked higher

within the sub groups.

4.3 Preparation of Priority Lists

4.3.1 Separate priority lists, satisfying the principles of prioritization

enunciated in para 4.2, will be generated for SC, ST and Others for each
Gram Panchayat / Village Sabha or lowest unit of local self-government
as recognized by the respective State/UT Panchayat Act, subject to
availability of eligible households. System generated category wise ranked
priority list could be downloaded from the programme MIS- AwaasSoft.
Thereon, the lists are to be circulated to the concerned Gram Panchayats
for verification by Gram Sabha.

4.4 Verification of Priority Lists by Gram Sabha (or Village

Sabha or the lowest unit of local self-government as recognized by
the respective State/UT Panchayat Act)

4.4.1 Once the category wise system generated priority lists are made
available and suitably publicized, a Gram Sabha/Village Sabha or the
meeting of the lowest unit of local self-government as recognized by the
respective State/UT Panchayat Act, will be convened. The Gram

13
Sabha/Village Sabha or the lowest unit of local self-government as
recognized by the respective State/UT Panchayat Act, will verify the
facts based on which the household has been identified as eligible. If the
inclusion has been done based on wrong facts or if the household has
constructed a pucca house or has been allotted a house under any
government scheme or permanently migrated since the time of the
survey or has died leaving no successor, the Gram Sabha/ Village Sabha
or the lowest unit of local self-government as recognized by the
respective State/UT Panchayat Act, shall delete the name of such
household from the system generated priority list. The list of deleted
households, including reasons for deletion, will form part of the minutes
of the Gram Sabha/Village Sabha or the lowest unit of local self-
government as recognized by the respective State/UT Panchayat Act.

4.4.1.1 However, if a household has temporarily migrated or are not

traceable after preparation of the Permanent Wait List, the State/UT
Government may identify the Gram Panchayats where such cases exist
and organize the Gram Sabhas of the respective Gram Panchayats for re-
verification in the PWL prepared. The Gram Sabha during the meeting
may review such cases and re-prioritize such households and place them
at the end of the PWL, so that allotment of houses to such beneficiaries
can be made later. Gram Sabha resolution re-prioritizing the PWL needs
to be uploaded on AwaasSoft and the priority in the PWL may be
changed accordingly. Further “beneficiaries unwilling to construct
house” is also a category for deletion/remand from the PWL of PMAY-
G as per details given in the Remand Module Guidelines detailed in para
4.6.5.

4.4.2 In case there is a tie with more than one household within a sub
group having the same deprivation score, the Gram Sabha / Village
Sabha or the lowest unit of local self-government as recognized by the
respective State/UT Panchayat Act, will rank the households by
according priority on the basis of the following parameters:

i) Households with widows and next-of-kin of members of

defence/paramilitary /police forces killed in action;

14
 ii) Households where a member is suffering from leprosy or
cancer and People living with HIV (PLHIV).
iii) Households with a single girl child.
iv) Beneficiary families of the Scheduled Tribes and Other
Traditional Forest Dwellers (Recognition of Forest Rights) Act,
2006, commonly known as Forest Rights Act.
v) Transgender persons.

4.4.3 If none of the above parameters mentioned in para 4.4.2 are

applicable, the Gram Sabha / Village Sabha or the lowest unit of local
self-government as recognized by the respective State/UT Panchayat
Act, may decide the ranking and record proper justification for the same.
The ranking should be complete with each household being assigned a
distinct rank.

4.5 Grievance Redressal

4.5.1 Post verification, once the lists have been made available by the
Gram Sabha/Village Sabha or the lowest unit of local self-government as
recognized by the respective State /UT Panchayat Act, the BDO or any
official designated by the State / UT Government for the purpose,
referred to as Competent Authority hereinafter, will ensure that the lists
are widely publicized within the Gram Panchayat for a minimum period
of seven days. Further, he/she will be responsible for ensuring that the
list verified by the Gram Sabha/Village Sabha or the lowest unit of local
self-government as recognized by the respective State/UT Panchayat
Act, is entered on AwaasSoft after due process is completed.

4.5.2 After the lists have been suitably publicized for seven days, a
window period of fifteen days would be provided for submission of
complaints regarding deletion or change in ranking without following
due procedure. The complaints may be collected by any village level
functionary/official appointed by the State/UT and thereafter forwarded
to the Competent Authority for further processing or the aggrieved party
may submit his/her complaint directly to the Competent Authority. The
Competent Authority shall enquire into the complaints, prepare a report
15
and submit the same in a time bound manner, the time period for which
to be decided by the State/UT, to an Appellate Committee that is to be
constituted by the State.

4.5.3 The State/UT Government shall constitute a three-member

Appellate Committee at the District level. It may be headed by the
District Magistrate/Collector or his nominee, another official and at least
one non –official member. The term of non-official member of the
Appellate Committee may be decided by the State Govt. The Appellate
Committee will consider the complaints with the report, against deletion
or change in ranking and resolve the same within a fixed period of time.
The detailed procedure for hearing by the Appellate Authority, including
timely disposal, will be decided by the respective State/UT.

4.5.4 After disposal of all the cases of a Gram Panchayat, by the

Appellate Committee, the Gram Panchayat wise final Permanent Waitlist
for each category with a distinct rank for each household, will be
published. The list will be published on the notice board of the Gram
Panchayat and advertised widely. The Permanent Wait List will be
entered on the website of PMAY-G.

4.6 Updation Of Permanent Wait List

4.6.1. In the final PWL uploaded on AwaasSoft, it is likely that there are
some beneficiaries who have now availed the benefits from other
schemes of the Government or might have constructed their pucca
house from their own funds. Such households are ineligible for availing
PMAY-G assistance and are required to be removed from the PWL of
PMAY-G using the “Remand Module”. The guidelines of Remand
Module are given in Annexure-IX(H).In case of wrong deletion of
otherwise eligible household, the States/UTs may also submit proposal
with adequate reasons and justifications for restoration to be considered
by the Ministry.

4.6.2. The States/UTs may refer to the guidelines issued by the Ministry
for dealing with the cases of death, unwillingness, temporary/permanent

16
migration of beneficiaries. These guidelines are given in Annexure-
IX(B), IX(C), and IX(D).

4.6.3 The households in the PWL of PMAY-G residing in the areas

falling within notified planning/ development area under the jurisdiction
of an Industrial Development Authority or municipal authority (where
the benefits of PMAY-Urban are/ will be available) will be eligible for a
house under PMAY-G only if the house has been sanctioned before the
change in status of the area from rural to urban.

4.7 Preparation of Annual Select Lists

4.7.1 Once targets are communicated by the Ministry, the State/UT

shall distribute category wise targets to respective Districts and enter the
same on AwaasSoft. While distributing targets priority may be accorded
to Gram Panchayats covered under SAGY, Rurban Cluster, Open
Defecation Free Gram Panchayats, Gram Panchayat with strong social
capital through DAY- NRLM Self Help Groups of women and Gram
Panchayats with Kala-azar affected Villages. The Annual Select List shall
begin with the top households in the approved Permanent Wait List and
be restricted to the target assigned for each category to the Gram
Panchayat for that year.

4.7.2 The Annual Select List shall be widely disseminated including in

print and electronic media, and through wall paintings in the village.

17
 CHAPTER-5
CONSTRUCTION OF HOUSE

5.1 Unit Assistance to the Beneficiary

5.1.1 Under PMAY-G, the beneficiary is provided unit assistance of

Rs.1.20 lakh in plain areas and 1.30 lakh in Hill states, North-Eastern
States, Difficult Areas and IAP districts for construction of a pucca
house.

a) Difficult areas: Those areas where due to reasons of poor

availability of materials, poor connectivity, adverse geo-
morphological and climatic conditions the cost of construction is
higher. The classification of an area as difficult within a State, is to
be done by the State Governments through the use of a
methodology based on objective criteria and should have separate
and higher provisions in the State Schedule of Rates. The
Empowered Committee shall approve the State classification. A
Village Panchayat, may be treated as the smallest unit for
identifying an area as “difficult”.
b) Hill States/UTs: The States of Himachal Pradesh and
Uttarakhand and Union Territories of Jammu and Kashmir &
Ladakh are included in this category.
c) IAP Districts : Districts identified under Integrated Action Plan

d) Pucca House: A house which is able to withstand normal wear

and tear due to usage and natural forces including climatic
conditions, with reasonable maintenance, for at least 30 years.

5.1.2 In addition to the unit assistance as mentioned in para 5.1.1, up to

90/95 persondays of unskilled labour during house construction is
provided for under Mahatma Gandhi NREGS. This may be availed by
the beneficiary himself/ herself, and in case where the beneficiary has
exhausted his/her 100 days under MGNREGS, or if the beneficiary is
old/person with disability and for some reasons unable to work by

18
himself / herself, the labour may be contributed by another worker
seeking work under MGNREGS.

5.1.3 Houses sanctioned under PMAY-G are also eligible to receive

assistance of Rs. 12,000/- for the construction of a toilet from the
Swachh Bharat Mission (G), MGNREGS or any other dedicated source
of financing.

5.1.4 The minimum size of a house is to be 25 square meter, including a

dedicated area for hygienic cooking.

5.2 Tagging of Land and Mapping of Field Functionary and

Mason to Beneficiary

5.2.1 Before issue of Sanction Order the BDO or any block level
official authorized by the State Government shall capture through
“AwaasApp” the geo-referenced photograph of the house where the
beneficiary is currently living, followed by a geo-tagged photograph of
the vacant land on which the beneficiary proposes to construct the house
and upload it in AwaasSoft. In case beneficiary wishes to construct
PMAY-G house on the plot where he / she currently resides, it should
be clearly indicated.

5.2.2 In case of landless beneficiary the State shall ensure that the
beneficiary is provided land from the government land or any other land
including public land (Panchayat common land, community land or land
belonging to other local authorities). For the selected land, adequate
infrastructure, viz., electricity, road connectivity and availability of
drinking water, solid & liquid waste management facilities, may be
ensured.

5.2.3 Under PMAY-G, there is no bar on construction of more than one

storeyed houses /multi-storeyed buildings for more than one PMAY-G
beneficiaries combined together. However, in case of land belonging to
one of the beneficiaries, his/ her consent (with written agreement to
protect the rights of the non-land-owning beneficiaries)would be
essential for such construction. In addition, as far as possible, it should
be ensured that the beneficiary household having Persons with
19
Disabilities are preferred in allotment of house at ground level, which
should be constructed with barrier free design for free movement (such
as construction of Ramp).

5.3 Issue of Sanction letter to Beneficiary

5.3.1 The Annual Select List drawn from the Permanent Waitlist of the
beneficiaries as per the target allocated will be registered on MIS-
AwaasSoft. During the registration, the details of bank account, name of
the nominee, MGNREGS Job Card number have to be mandatorily
entered. In addition, the mobile numbers wherever available, and Aadhar
number, with the consent of the beneficiary, shall also be seeded on
AwaasSoft. The details of the field functionary and trained mason
mapped to the beneficiary should also be entered on AwaasSoft. The
willingness of the beneficiary to avail the housing loan facilitated should
also be recorded.

5.3.2 After registration of the beneficiary details and validation of the

bank account details of the beneficiary, a sanction order shall be
individually generated in AwaasSoft for each beneficiary with a distinct
PMAY-G ID and Quick Response (QR) code. Allotment of house shall
be made in the name of the woman or jointly in the name of the husband
and wife, except in the case of a widower/unmarried /separated person/
transgender. In case of landless households, the State shall facilitate
registration of land in the name of the woman or jointly in the name of
husband & wife except in the case of a widower/unmarried /separated
person/transgender. In the case of beneficiaries selected under the quota
for persons with disabilities, the allotment should only be in the name of
such person. The issue of sanction in favour of the beneficiary shall also
be communicated through SMS to the beneficiary. The beneficiary can
either collect the sanction order from the Block Office or download it
from the PMAY-G website using his PMAY-G ID.

5.3.3 In case the head of the family has died or the beneficiary is minor
the procedure/guidelines to be adopted by State/UTs in dealing with
such cases has been issued separately by the Ministry which is at
Annexure-IX(C).
20
5.4 Release of first instalment to Beneficiary
5.4.1 The first instalment shall be released to the beneficiary
electronically to the registered bank / post office account of the
beneficiary within a week (7 working days) from the date of issue of
sanction order. The States/UTs would ensure with the Bank, in which
the Single Nodal Account is maintained, to send an SMS to the
beneficiary conveying the transfer of first instalment.

5.5 Mode of Construction

5.5.1 The house shall be constructed by the beneficiary himself/herself
under PMAY-G or get the house constructed under his/her supervision.
No contractor should be engaged by the State in construction of houses.
If any case of construction through a contractor comes to notice, the
Ministry of Rural Development, will have the right to recover the releases
made to the State for those PMAY-G houses. The house shall also not
be constructed by any Government Department/Agency, except where
specifically authorised.

5.5.2 In cases where the beneficiary is old or infirm or a person with

disability, and is therefore not in a position to get the house constructed
on his own, such houses shall be taken up as a part of the rural mason
training program. In case there are still some beneficiaries left out, the
State Government will ensure that they are assisted through the Gram
Panchayats or a ground functionary to get their house constructed.

5.6 Time limit for completion of House by the beneficiary

5.6.1 Delay in construction of house leads to complications in

completion of house. With delay, not only the cost of inputs increases
but it may also lead to diversion of fund to other pressing needs,
including consumption requirements, as the beneficiaries are from a
stratum of the society that is vulnerable to various insecurities of life.
Such situations would become irretrievable leading to incomplete houses.
The State, thus, has to very closely monitor the construction of house by
the beneficiary and ensure constant handholding. The State / UT

21
Governments may incentivize early and timely completion of
construction by beneficiaries.

5.6.2 The construction of house should be completed within 12 months

from the date of sanction.

5.7 Release of assistance to the beneficiaries

5.7.1 The States/UTs shall, in the beginning of the financial year, decide
the total number of instalments and the amount in each instalment to be
paid to the beneficiary for house construction. There shall be a minimum
of 3 instalments. House construction can have only the following 7
stages/levels viz.,

a) House Sanction
b) Foundation
c) Plinth
d) Windowsill
e) Lintel
f) Roof cast
g) Completed

5.7.2 All States/UTs must mandatorily pay the first instalment at the
time of sanction. Other than the instalment, the States/UTs shall have to
map the remaining instalments, to house construction stages / levels of
their choice from among the following in AwaasSoft:-

a) Foundation
b) Plinth
c) Windowsill
d) Lintel
e) Roof cast
f) Completed

5.7.3 In order to track the progress of construction of the house, the 2nd
instalment shouldbe mapped to either Foundation or Plinth Level and

22
the 3rd instalment should be mapped to either Windowsill / Lintel / Roof
cast level.

23
 CHAPTER – 6

BENEFICIARY SUPPORT SERVICES

6.1 To ensure timely completion of quality houses within the available

resources, in addition to providing financial assistance to the beneficiaries
for house construction, it is essential that crucial support services like
briefing on the stage wise requirement of materials and resources,
different options of locally relevant house type designs including green
technologies, awareness on cost saving construction technologies,
facilitation for procurement of appropriate construction materials,
availability of sufficient number of trained masons etc., are provided to
the beneficiaries.

6.2 The provision of support services will need action on the

following area:

a) Sensitization of the beneficiaries

b) Development and provision of house design typologies
c) Training of Masons and Skill Certification
d) Sourcing of construction material
e) Support to old and beneficiaries with disabilities
f) Facilitating loan from Banks for up to Rs 70,000

6.2.1 Sensitization of the beneficiaries

6.2.1.1 The States/UTs shall sensitize the selected beneficiaries,

preferably at the block level, at the earliest possible date fixed by the
State Government on different aspects of housing including the quantum
of assistance, stage wise instalments thereof, different options of the
available house type designs suitable to their area, the disaster resilient
features, green housing designs, materials, technologies and elements (e.g.
rainwater harvesting), cooking area, sanitation, water storage, etc. that
need to be incorporated for houses in their locality, the need to take up
construction of the core house initially, the approximate requirement of
material for construction of each stage, the availability of the skilled
24
mason / trained rural mason along with their contact details, source for
procurement of the material at reasonable rate, sources of availability of
institutional loan with details of rate of interest, repayment period,
sanitation of surrounding areas etc. Non-compliance with regard to the
sensitisation programme will treated as violation of the FFI and shall
attract penalty. Sanction Orders should be available to Beneficiaries and
to Frontline Officials of MoRD related schemes, and to SHGs. List of
Sanction Orders should be sent through SMS to frontline officials (such
as the GRS) and SHGs so that they can share the same with the
beneficiaries.

6.2.1.2 The States/UTs should also facilitate interaction of the

beneficiaries during sensitization with the Line Departments, that are
supposed to provide converged services to the beneficiary.

6.2.2 Development and Provision of House Design Typologies

6.2.2.1 The States/UTs should provide the beneficiaries a bouquet

of options of house designs according to local climatic conditions, using
appropriate local material and technology suitable to the region of their
residence. The core house design should also include a dedicated space
for hygienic cooking, a toilet and bathing area. The roof and the wall
should be strong enough to be able to withstand the climatic conditions
of the place in which the beneficiary resides and incorporate disaster
resilient features (where needed) to be able to withstand earthquakes,
cyclone, floods etc. It is also desirable that the house design incorporates
the following features, which could be later added to by the beneficiary
depending upon the resource availability: -

a) adequate space for pursuing livelihood activities;

b) rain water harvesting system
c) a veranda
d) Barrier free design e.g. Ramp, etc. for households having Persons
with Disabilities for their smooth movement

25
6.2.2.2 The Central government will handhold the States/UTs,
wherever needed, in the development of region-specific House Designs
for the States/UTs.

6.2.2.3 The Ministry in collaboration with UNDP and IIT Delhi had
taken up an exercise to catalogue locally appropriate cost effective
technologies and housing typologies for different zones in 18 states of
India. The zoning, with respect to housing, in respective States has been
done based on climate, topography, cultural and traditional housing
practices and vulnerability to disasters. Consultative workshops with
stakeholders had been held and catalogue of design typologies were
finalized for these States. Technology demonstration through
construction of houses/community buildings based on recommended
design typologies has been completed in Tripura, Sikkim and
Maharashtra. Design Typologies developed for 10 states have been
compiled in a compendium, ‘PAHAL’ (Prakriti Hunar Lokvidya), and the
same have been shared with the States/UTs for adoption and
popularization of these typologies. ‘PAHAL 2’ is an updated version
which includes house design typologies of 15 states. All house design
typologies have been vetted by Central Building Research Institute
(CBRI), Roorkee. PAHAL and PAHAL -2 are already uploaded on the
website of PMAY-G. Summary is at Annexure-IX(A). To provide a feel
of PAHAL designed houses so that the beneficiaries could adopt them,
Ministry has issued. Guidelines for construction of Demonstration
houses which are uploaded on PMAY-G website. Details are at
Annexure-IX(E).

6.2.2.4 Along with the sanction letter of assistance for construction

of the house, the beneficiary should be provided the menu of options of
the identified house designs and technologies that may also have the
following details:

a) The plan, layout and detailed cost estimates of the house

designs. (Including options for incorporating green features
and benefits, wherever possible).

26
 b) The quantity of materials required and the tentative cost of
construction for different levels viz. foundation, lintel level,
roof etc., for each identified house design.
c) Provide list of the trained masons and their contact details.
d) Intimate the location of demonstration houses of different
house design typologies constructed, so that the beneficiary can
have a walk-through experience.
e) Contact details of all the material suppliers in the vicinity who
deal with specific requirements of the house design type.

6.2.3 Training of Masons and Skill Certification

6.2.3.1 To ensure availability of skilled masons in rural areas to ensure

good quality construction of houses under PMAY-G, the Government
of India envisaged Rural Mason Training (RMT) with a target to train
and certify adequate number of masons by March 2024. This initiative
has been taken in collaboration with National Skill Development
Corporation (NSDC) and the training / certification data is being
maintained on their Skill India Portal.

6.2.3.2. As per the assigned targets under RMT, the States/ UTs are to
plan and conduct training of masons at locations where the construction
intensity is projected to be high, as ascertained from the Permanent Wait
List. The training is to be held as per the Rural Mason Qualification Pack
(QP) of the National Skill Development Corporation (NSDC), and/ or
any other QP as suggested by the MoRD.

6.2.3.3. For the identified and approved house design typologies, which
incorporate the use of local/green material & construction technologies,
the Government of India and States / UTs may take up the inclusion of
those aspects in the rural mason training.

6.2.3.4. To recognise and formalize the existing skills / knowledge of

masons through certification, States/ UTs are encouraged to take up
training under Recognition of Prior Learning (RPL) mode.

27
6.2.3.5. The States/UTs will need to do the following for organising
mason training.

a) Identify, screen and nominate a willing, preferably semi-skilled,

person in the rural areas who is willing to undergo the training.
b) Identify, screen and nominate a willing person having prior
knowledge of rural masonry to undergo bridge training of rural
mason under RPL.

c) Identify and engage a Training Provider including RSETI,

accredited by the Construction Skill Development Council of
India (CSDCI) / National Skill Development Corporation
(NSDC)/ Director General of Training (DGT), for conducting
the training of masons.
d) The States/ UTs yet to roll out RMT may conduct Pilot
Training as per the approved Qualification Pack and thereafter
draw up a comprehensive Mason Training Plan for the State
/UT based on the learnings from the Pilot training and targets
assigned.
e) The comprehensive Rural Mason Training Plan for the State
/UT may include bridge training for a person having prior
knowledge of rural masonry as per the approved curriculum of
RPL.
f) Post training, arrangements for assessment and certification of
the trained masons through an Assessment Agency accredited
by the CSDCI/ NSDC/ DGT.
g) Linking certified masons with the beneficiaries who have been
allotted houses under PMAY-G.
h) Displaying the list of the trained and certified masons available
in the blocks/nearby areas,along with their contact details, at a
prominent place in the Gram Panchayat/Village.

6.2.3.6. The guidelines for undertaking the Rural Mason Training (along
with subsequent amendments) under PMAY-G issued by the Ministry of
Rural Development is at Annexure-IX(G).

28
6.2.4 Sourcing of construction material

6.2.4.1 Where the targets are high, the State/UT Governments

shall undertake an exercise to assess District/Block wise requirement of
materials based on the targets communicated and from the Permanent
Wait List (PWL). Based on requests from the beneficiaries, the State/UT
Government may facilitate supply of quality construction material at
competitive rates.

6.2.4.2 The state may also consider the use of pre-fabricated/

engineered materials in the construction wherever feasible and requested
for by the beneficiaries.

6.2.4.3 States / UTs may prepare and plan production of quality

construction material through MGNREGS and/or SHGs under DAY-
NRLM and make arrangements for supply of these materials to the
willing beneficiaries of PMAY-G at reasonable rates.

6.2.5 Support to old and beneficiaries with disabilities

6.2.5.1 In cases where the beneficiary is old or infirm or a person

with disability and is therefore not in a position to get the house
constructed on his / her own, such houses shall be taken up as a part of
the mason training program. In case there are still some beneficiaries left
out, the State /UT Governments shall ensure that such beneficiaries are
assisted through the Gram Panchayats or a ground level programme
functionary to get their house constructed.

6.2.6 Facilitating loan of up to Rs 70,000 from Banks

6.2.6.1 A beneficiary would have a desire to construct his / her

house as per his/her aspirations and future requirements, as this would
be a once in a lifetime activity. The beneficiary, if he/she so desires,
should be facilitated to avail institutional finance of up to Rs.70,000.

6.2.6.2 To ensure that the willing beneficiaries of PMAY-G are

facilitated to avail loan, the following may be adopted: -

29
a) Hold meeting of State /District Level Bankers Committees (SLBC
/ DLBC) to discuss the modalities and terms and conditions,
including rate of interest and repayment period, for providing
loans to the beneficiaries of PMAY-G.
b) Discuss with Primary Lending Institutions (Scheduled banks, Co-
operative and Regional Rural Banks, Housing Finance Companies,
Non-Banking Finance Companies etc.) the conditions to be
satisfied and documents needed.
c) State/UT and Banks should give wide publicity, including during
the sensitization of beneficiaries, about loan products offered by
the Primary Lending Institutions (Scheduled banks, Co-operative
and Regional Rural Banks)
d) Once the beneficiary is sanctioned a house and is willing to avail
institutional finance, the State/UT may devise a process and assign
the job for the same to local level functionaries to facilitate the
process of availing loan by the beneficiaries.
e) Monitoring of sanction of the loan to the beneficiaries of PMAY-
G should be done at the Block, District and State levels including
at BLBC/DLBC/SLBC levels. At the District and State level, a
senior officer should be made responsible for responding to
grievances related to non-sanction of loan and to resolve the same
in consultation with the bank concerned.

30
 Chapter-7

Implementation Support Mechanism

7.1 National Technical Support Agency for Rural Housing

7.1.1 To provide technical support in achieving the target of Housing

for All, a National Technical Support Agency (NTSA) for Rural Housing
shall be set up at the national level. The activities of the Agency, inter-
alia, would include ensuring quality construction, monitoring of
implementation, management of extra budgetary finances, Information
Education and Communication (IEC) activities, development and
management of e-Governance solutions, data analytics, organize trainings
&workshop, and coordinate / monitor / facilitate the functioning of
Technical Facilitation Centres identified by the State / UT Governments.
NTSA would also undertake any other activity relating to implementation
of rural housing scheme as assigned by the Ministry. The NTSA shall
hire professionals to provide need based skills to undertake the above
activities.

7.1.2 As part of the above activities, NTSA would also be involved in

developing state-wise housing design typologies including Plan,
Elevation, and Estimates appropriate to different regions, provide
technical support during construction of houses as per identified designs,
develop/modify training manuals on construction technologies, maintain
/update list of green materials & technology, good practices in
construction and oversee conduct of training for various stakeholders
including rural mason training, coordinate production and supply of
building materials, etc.

7.1.3 As part of e-governance solutions, NTSA would develop, train,

and handhold on issues related to AwaasSoft, AwaasApp, PFMS, etc.

7.1.4 The NTSA may also collaborate with other organisations/

institutions in the field of construction on technical matters and
undertake studies and evaluation as suggested by the Ministry.

31
7.2 Technical Support at the State Level

7.2.1 The State/UT Government may identify technical institutions of

repute or building centres with proven technical capabilities to provide
support to beneficiaries in construction of their house. The State/UT
Government may also try to tap into CSR funding / assistance and
funding from bilateral/multilateral agencies to promote environment
friendly green construction designs, technologies and materials. At the
time of allotment of the house, the identified institution may sensitize the
beneficiaries about the suitable housing designs (including green
materials and technologies) and construction technologies available for
that area which can be adopted by the beneficiary for construction of his
/ her house. Further, the institution may be involved in training of
masons and its monitoring. The identified institutions may also assist the
beneficiary in construction and completion of the house.

7.3 State Program Management Units

7.3.1 Although the construction of house is to be undertaken by the

beneficiary, it is the responsibility of the State to ensure that beneficiary
is provided requisite guidance in the process and also closely monitored
to ensure that the construction of houses is completed. The States / UTs
shall set up a dedicated Programme Management Unit (PMU) to
undertake the tasks of implementation, monitoring and supervision of
quality of construction. The State PMU shall be headed by a sufficiently
senior officer appointed by the State Government (State Nodal Officer)
and supported by personnel on deputation and hired contractual
personnel. Similar arrangements shall be followed for the District and
Block level PMU. The indicative composition and responsibilities of each
level of Programme Management Unit is given below:

7.3.1.1 State Level PMU

I State Nodal Officer - Head PMU.

II Other personnel in PMU

32
 a) Technical Expert in the field of house construction
including alternate green materials and technologies
b) Expert in IT/MIS/PFMS
c) Expert in Financial matters
d) Expert in Social Mobilisation
e) Training Coordinator
f) Support staff as per requirement
III Responsibilities:

a) Allocation of targets to Districts and Blocks.

b) Fixing of number of instalments to the beneficiary
and amount of each instalment.
c) Monitor preparation of Permanent Wait List (PWL)
and drawal of Annual Select List from the PWL.
d) Mapping of new administrative units in AwaasSoft.
e) Development of the region-specific house typologies
within the State including green housing typologies
f) Recommend local green materials, technologies etc.
to NTSA.
g) Categorisation of ‘Difficult Area’ within the State and
submission of proposal for approval of Empowered
Committee (EC) of Ministry of Rural Development.
h) Drawing up a convergence plan among different
Government of India and State Government
Schemes and monitor its implementation.
i) Monitor disbursal of loan to PMAY-G beneficiary,
including through SLBC.
j) Plan and organize mason training programme in the
State through Training Providers.
k) Plan, organize and facilitate sensitization of
beneficiaries in the State.
l) Monitor progress of construction under PMAY-G
and Special Projects as per the prescribed timeline.
m) Manage and monitor the Single Nodal Account
(SNA).

33
 n) Manage AwaasSoft related administrative functions.
o) Submission of proposal to Centre for release of
funds.
7.3.1.2 District Level PMU

I To be headed by a full-time Program Officer or an

officer of sufficient seniority at the District Level

II Other personnel

a) Technical professional in the field of construction

b) IT professional
c) Training Coordinator
d) Support staff
III Responsibilities:

a) Finalisation of the Block wise PWL and drawal of

Annual Select List from the PWL
b) Facilitate allotment of land to the landless beneficiaries
c) Plan and organize sensitization of beneficiaries in the
district.
d) Plan and organize mason training programme in the
District through identified Training Providers, including
selection of trainees after screening,
e) Facilitate collective sourcing of construction materials
for the beneficiaries, where needed.
f) Plan production of construction material through
MGNREGS and SHGs under DAY-NRLM.
g) Coordinate with Banks for loan disbursal to willing
beneficiaries and monitor the progress through DLBC.
h) Prepare Special Project proposals, and monitor its
implementation.
i) Monitor progress of construction as per the prescribed
timelines.
j) Monitor Reporting on AwaasSoft

34
7.3.1.3 Block level PMU

I To be headed by a full-time block level officer

/coordinator
II Other personnel

a) MIS Data entry operators

b) Technical support staff
III Responsibilities:

a) Registration of beneficiaries, including willingness to

construct green housing.
b) Issue of Sanction Order to beneficiaries.
c) Orientation of beneficiaries.
d) Map a village functionary to beneficiary
e) Tag a trained mason to beneficiary
f) Monitor the progress of house construction and timely
release of instalments to the beneficiary.
g) Reporting of the progress of construction through
AwaasApp/AwaasSoft.

7.3.1.4 Village / Gram Panchayat Level

7.3.1.4.1 Every house sanctioned under PMAY-G to be tagged to a

village level functionary (Gram Rozgar Sahayak, Bharat Nirman
Volunteers, SHGs, representatives of Civil Society Organizations, or any
other village level worker), whose task is to follow-up with the
beneficiary and facilitate construction. Remuneration to a functionary
would be based on performance related parameters fixed by the state.

7.3.2 The rate of remuneration to be paid to the personnel hired at

different levels may be decided by the State depending on the rates
prevailing in the State and as approved by the Competent Authority. The
expenditure towards hiring of these personnel may be met from the
administrative expenses. Existing functionaries with revised job roles and
additional honorarium could also be explored.

35
7.4 Committees at the State and District level

7.4.1 In order to ensure implementation of PMAY-G as per the Annual

Action Plan (AAP) mentioned in para 3.6 of Chapter -3, the State / UTs
shall constitute Committees both at the State and District Level for
directions and oversight. The Committees shall comprise of officials
implementing different components of the Annual Action Plan, and
public representatives. The State Level Committee shall be chaired by the
Chief Secretary and the District Level Committee shall be chaired by the
District Collector. The composition of the Committee at the State and
District Level may be decided by the State Government. The State Level
Committee shall meet at least twice a year while the District Level
Committee shall meet every quarter in a year.

7.5 Role of Gram Panchayat

7.5.1 Under PMAY-G Gram Panchayats have the following role: -

a) The Gram Panchayats, through Gram Sabhas, as mentioned in

Chapter 4 will select, prioritize and finalise the Permanent Wait
List of eligible beneficiaries prepared on the basis of SECC-2011
& additional households from Awaas+ lists, as per the targets
allotted.
b) The Gram Panchayats will facilitate orientation of PMAY-G
beneficiaries on different aspects of the scheme.
c) The Gram Panchayats would identify the beneficiary households
who are unable to construct their houses under the scheme on
their own and help them in getting their houses constructed as a
part of the rural mason training. In case there are still some
beneficiaries left out, the Gram Panchayats shall help to get their
house constructed.
d) The Gram Panchayats will assist in identifying common land
available for allotment to the landless beneficiaries.
e) The Gram Panchayats may facilitate beneficiaries in accessing
materials required for construction at reasonable rates and help in
identification of trained masons.

36
 f) The Gram Panchayats may facilitate / encourage / motivate the
Self-Help Groups (SHG) to undertake production of quality
building materials for supplying the same to the beneficiaries of
PMAY-G at reasonable rates.
g) The Gram Panchayats would facilitate beneficiaries in availing
benefits of other schemes of the Centre and State Government
through convergence.
h) The Gram Panchayats should discuss the progress of the scheme
in their scheduled meetings and help resolve the problems being
faced by the beneficiaries. The Gram Panchayats should also
proactively assist the social audit teams to conduct Social Audit
i) The Gram Panchayat may assist in identifying the local level
functionary to be tagged with each PMAY-G house for ensuring
their timely completion.

7.5.2 In order to enable the Panchayats to play their role effectively, the
State/ UT Government may undertake the following: -

a) Organise training programme to equip the Panchayats to carry

out the tasks assigned to them.
b) Provide the Panchayats IEC material particularly on materials
and building technologies.
c) Provide share of administrative expenses commensurate to
work handled.
d) Issue an order specifying the roles and responsibilities of each
tier of Panchayat as appropriate to the State / UTs. In State /
UTs having different tiers in Panchayat system, the State/UT
Government may decide the responsibilities for each tier.

Note: - It is clarified that in States / UTs where there are no

Panchayats, democratic institutions at the appropriate levels
should be assigned the roles specified for Panchayats. In States /
UTs where Gram Panchayats are too small, clusters of Gram
Panchayats should be formed and enabled to perform their tasks.

37
7.6 Role of Self-Help Groups accredited to NRLM

a) SHGs should be involved in creating awareness among the

beneficiaries of PMAY-G, about construction of durable
houses, source of procurement of materials, benefits of green
housing, technical know-how required for making green
housing, availability of skilled masons, and benefits derivable
from other schemes implemented by the State / UT and
Central Government.
b) The SHGs need to be involved in the construction /
completion of houses sanctioned to the beneficiaries.
c) SHG members should be trained as certified social auditors to
undertake social audit of the PMAY-G.
d) Production of building materials including green materials by
the SHGs, where feasible, should be taken up for supply of the
same to the beneficiaries of PMAY-G at reasonable cost,
thereby benefitting both the SHGs and the beneficiaries.

38
 Chapter – 8

CONVERGENCE

8.1 To provide basic amenities, in addition to assistance for house

construction, convergence of existing schemes of both Centre and State
/ UT Governments needs to be ensured. Various schemes that need to
be converged for providing basic amenities include: -

a) Construction of a toilet has been made an integral part of the

PMAY-G house. The toilet shall be provided to beneficiaries
through funding from Swachh Bharat Mission-Gramin (SBM-
G), MGNREGA or any other dedicated financing source. The
house shall be treated as complete only after the toilet has been
constructed.
b) It is mandatory to provide support of 90 persondays (95
persondays in Hill states, difficult areas and North Eastern States
and IAP districts) unskilled wage employment at the current
rates to a PMAY-G beneficiary for construction of his / her
house in convergence with MGNREGA as per instructions
issued from time to time. Server to server integration between
two MIS – AwaasSoft of PMAY-G and NREGASoft of
MGNREGS has been developed so that work for construction
of house is generated on NREGASoft automatically once the
sanction of house is issued on AwaasSoft.
c) Drinking water is one of the basic necessities of life. The
beneficiary of PMAY-G should be provided access to safe
drinking water in convergence with Jal Jeevan Mission and Har
Ghar Nal Se Jal (HGNSJ) of Department of Drinking Water and
Sanitation, Ministry of Jal Shakti or any other similar schemes.
d) PMAY-G beneficiary shouldbe provided electricity connection
through convergence with relevant scheme implemented by
Ministry of Power /State Government/UT Administration.
e) States / UTs should strive to ensure that the beneficiaries of the
PMAY-G get benefits of the schemes implemented by Ministry
of New and Renewable Energy Sources (MNRES) including for

39
 Solar Lanterns, Solar Home Lighting Systems, Solar Street-
lighting Systems, the benefits from National Bio-Mass
Cookstoves Programme (NBCP) for cleaner cooking energy
solutions for the beneficiary family and bio gas unit under
National Biogas and Manure Management Programme.
f) To provide clean and more efficient cooking fuel to the
beneficiaries of PMAY-G, the States / UTs should strive to get
LPG connections for them under Pradhan Mantri Ujjwala
Yojana (PMUY) of Ministry of Petroleum and Natural Gas or
any other relevant Scheme.
g) In order to ensure a cleaner and healthy environment for the
households, the solid and liquid waste generated by the
households needs to be treated. Accordingly, the State / UT
Government may, through convergence with Swachh Bharat
Mission (G) or any other scheme of the State / UT
Government, ensure management of Solid and Liquid Waste.
h) To meet the requirement of building materials, the State / UT
may take up production of building materials viz., bricks,
stabilized mud blocks, fly ash bricks etc., through convergence
with MGNREGA. Further, SHGs may also be encouraged for
the production of building materials, etc. The material produced
may be supplied to the beneficiaries of PMAY-G. Efforts should
also be made towards promotion of green building materials and
technologies.
i) States / UTs may, through convergence with MGNREGA,
develop group / individual amenities like development of house
sites, bio-fencing, paved pathways, approach roads or steps to
the house, soil conservation and protection works etc., for the
beneficiaries of PMAY-G

8.2 The schemes / programmes mentioned above for convergence are

illustrative and not exhaustive. The State/ UT Government may take the
initiative to converge PMAY-G with other schemes of the Centre and
States/UTs so that the benefit of those schemes is provided to the

40
beneficiaries of PMAY-G. The States / UTs may also explore the
possibility of utilizing funds available under Corporate Social
Responsibility (CSR) initiatives for the welfare of beneficiaries.

8.3 To ensure convergence at the ground level, State and District

Level Committees (para 7.4 of Chapter 7) in their meetings should
include convergence as an agenda point with periodical monitoring and
review. The Committees would also advise inclusion of various schemes
etc. for convergence in Annual Action Plan. The district level plan as in
para 3.6.2 to be reviewed by the Committees during their meetings.

8.4 Since the SECC 2011 data base & finalised Awaas+ lists, as
validated by the Gram Sabha, are the basis for selection of beneficiaries
in PMAY-G and the SECC 2011 data base is being used by many other
programmes, convergence of benefits will become much easier if
regularly followed up along with other common information captured
across various programmes.

41
 CHAPTER – 9
REPORTING AND MONITORING

9.0 A robust monitoring mechanism has been adopted to monitor

performance as well as the processes under PMAY-G. Performance
monitoring is done through real time capture of progress using workflow
enabled transactional data in AwaasSoft. The data generated from the
transactions in AwaasSoft are collated as system generated reports for
monitoring different parameters of performance. Further, Ministry of
Rural Development has developed Performance Index Dashboard to
monitor the performance of the States / UTs, Districts, Blocks and
Panchayats on different pre-determined parameters and nationally rank
the States, Districts and Blocks accordingly. This has been done to
facilitate continuous monitoring of progress, both on the selected
parameters and also geographically, while ensuring healthy competition
among the states. Additionally, for process monitoring mechanisms like
inspection by central teams (Area Officers and NLM), monitoring by
District Development Coordination and Monitoring (DISHA)
Committee headed by Member of Parliament, Social Audit, Internal
Audit and through State Level PMU are adopted.

9.1 Reporting
9.1.1 AwaasSoft generates many reports on different parameters based
on the real time transactional data. All reporting under PMAY-G shall be
through reports generated in AwaasSoft. The progress of the States/UTs
under the scheme shall be monitored only through the reports generated
from AwaasSoft.

9.2 Performance:

9.2.1 The parameters used for monitoring the performance of a

State/UT shall be as follows: -

42
 a. Fixing of targets: The States/UTs to fix District and Block-wise
targets within 1 month of communication of the targets by the
Centre.
b. Registration of Beneficiaries: Beneficiaries should be registered
within two months from communication of targets by the Centre
to the States / UTs.
c. Freezing of Account of the Beneficiary and/or Aadhaar
Linking & Verification and issue of Sanction: Sanctions to the
beneficiaries, after Aadhaar linking & verification, and finalization
of the bank account details, should be issued within 1 months
from the communication of targets by the Centre to the States /
UTs. All new beneficiary accounts should be opened in
Banks/Post Offices withCore Banking Solutions (CBS).
d. Release of 1st instalment to the beneficiary within 7 days after
sanction.
e. Completion of 1st inspection within 2 months of sanction.
f. Completion of targets within the stipulated time (as mentioned in
para 5.6.2) from the data of sanction of the house.

9.3 MONITORING

Monitoring under PMAY-G is conceived to be multi-level and

multi – agency with profuse use of technology. Monitoring shall be done
at the level of Government of India, State/UT Governments with
emphasis on quality and timely completion of house and adoption of
green materials and technologies as far as possible.

9.3.1 Monitoring by Government of India

9.3.1.1 Monitoring at the level of Government of India is done

through IT enabled e-governance platform including Dedicated Micro
Monitoring Dashboard, Performance Index Dashboard, as well as
through ground verifications by different agencies like Area Officers,
National Level Monitors and DISHA. The end-to-end execution of the
scheme from the selection of beneficiaries, disbursal of assistance to
beneficiaries, verification of progress in construction, release of funds
43
etc. is conducted through workflow enabled transaction-based MIS –
AwaasSoft.

9.3.1.2 The physical progress of stage-wise construction on ground

is verified and monitored through geo-referenced, date and time stamped
photographs captured by inspectors or by beneficiaries using the mobile
based application - “AwaasApp” and uploaded on AwaasSoft. The
quality of houses constructed under PMAY-G will be monitored through
a quality monitoring module developed in the mobile application
“AwaasApp”.

9.3.1.3 National Level Monitors and Area Officers of the Ministry

shall also visit PMAY-G houses to assess the progress and processes
followed under the scheme during their field visits. The DISHA
Committee at the district level, headed by an Hon’ble Member of
Parliament, will also monitor progress and implementation of PMAY-G.

9.3.1.4 The National Technical Support Agency at the National

level would act as the nodal agency for coordinating and monitoring of
different aspects of implementation of PMAY-G including green
housing.

9.3.2 Monitoring by State/UT Governments

The Programme Management Unit (PMU) in the States/UTs, as

mentioned in Chapter 7 shall also monitor the scheme implementation
and quality supervision at different levels including Green Housing. It is
suggested that -

a) Officers at the Block level should inspect as far as possible 10% of

the houses during construction.
b) District level officers should inspect 2% of the houses during
construction.
c) Every house sanctioned under PMAY-G to be tagged to a village
level functionary including Government employees (Gram Rozgar

44
 Sahayak, Awaas Sahayak, Awaas Mitra or any other village level
worker)and SHG functionaries who shall facilitate and follow-up
with the beneficiary till the completion of a house.
d) Implementation parameters will be monitored by the officials
through the Performance Index Dashboard and Dedicated micro-
monitoring dashboard.
e) The PMUsat various levels shall monitor all the activities mentioned
in Chapter 7

9.4 Community / Participatory monitoring

A community based participatory monitoring system may be put

in place by the States / UTs utilizing the SHG network under NRLM,
NGOs and Civil Society Organisations (CSOs) for participatory
monitoring of the progress and quality of construction of houses.

9.5 Audit

The State will ensure that the account of PMAY-G at the State
level and the administrative fund account at the district level is audited by
a Chartered Accountant selected from a panel approved by the C&AG.
The auditing should be completed before 31stAugust of the next financial
year. All the PMAY-G Accounts at all levels shall also be open to audit
by the C&AG as well as by the Internal Audit Wing of the Pay and
Accounts Office of the Ministry of Rural Development.
9.6 Social Audit

9.6.1 Social Audit is a continuous and ongoing process, involving public

vigilance and verification of implementation of the scheme. Social Audit
is to be conducted in every Gram Panchayat at least once in a year,
involving a mandatory review of all aspects.

9.6.2 The basic objective of social audit is to ensure achievement of

public accountability in PMAY-G implementation. The process
combines people's participation and monitoring with the requirements of
the audit discipline. It is a fact-finding process and not a fault-finding
process.
45
9.6.3 Social Audit Units (SAU), set up by the State/UT Government
under MGNREGA, will be roped in to facilitate conduct of Social Audit
of PMAY-G.

9.6.4 The Social Audit process can be scheduled for an entire year and
carried out in a staggered manner all over the State. The process of
beneficiary selection for PMAY-G for the next year and the social
auditing of the implementation of the previous year can be carried out in
the same Gram Sabha meeting. The beneficiaries who are in the PMAY-
G Permanent Wait List must be informed about the date, time and venue
of the social audit. The findings of the social audit of the Gram
Panchayat along with action taken report are to be uploaded in the Social
Audit module of AwaasSoft. Follow-up action on Social Audit findings
would be ensured by the States/UTs in a time-bound manner and
uploaded on AwaasSoft.

9.6.5 For detailed guidance, States/UTs may see the Social Audit
Guidelines and subsequent guidelines, if any, issued by the Ministry. The
Social Audit Guidelines for PMAY-G is at Annexure-IX(F).

46
 CHAPTER –10

FUND MANAGEMENT AND RELEASE

10.1 Fund Management- Basic Principles

a) The States / UTs will designate a Single Nodal Agency for

implementing PMAY-G and this agency shall maintain Single Nodal
Account (SNA) in a Scheduled Commercial Bank authorized to conduct
government business at the State level.
b) The annual Central releases (assistance for house construction and
administrative funds) as well as the matching State share shall be
deposited in the SNA by the States/UTs. The State/UT Government
shall communicate the details of the Bank, Branch and Account number,
IFSC code etc. of the SNA to the Ministry. The SNA shall also be
registered in AwaasSoft and with PFMS.
c) This SNA shall be operated upon only electronically through a Fund
Transfer Order (FTO) and no other mode of withdrawal from it shall be
permissible.
d) In respect of UTs without Legislature, the funds would be released
through Letter of Authority issued by the Ministry. UTs without
legislature maywork directly in PFMS. Therefore, there is no need for
them to open a Single Nodal Account. They will ensure that the funds
are released to vendors/beneficiaries ‘just in time’. In case funds are to
be released to any agency as per scheme guidelines, provision of Rule 230
(vii) of GFR 2017 will be strictly followed to avoid parking of funds.
e) The State/UT Government shall designate two authorities i.e., a creator
/ maker / 1st signatory and an approver / checker / 2nd signatory at
appropriate level for transfer of administrative funds and for the transfer
of assistance to the beneficiaries. The FTO will have to be digitally
signed by these two authorities. The State/UT shall get the digital
signatures created of these authorized officials mapped to the
jurisdictional location with PFMS to generate FTO.
f) Part of annual allocation that is payable to the state from the money
borrowed from extra budgetary resources by the designated Special
Purpose Vehicle (SPV) shall also be deposited into the SNA. The release
47
 from SPV share, both programme and administrative funds will be
treated on par with central release for all purposes.Sourcing of loan from
financial institution, transfer of funds to the State / UT (from the loan
component) for implementation of scheme and repayment of interest &
principal amount would be done through the SPV of the Ministry of
Rural Development.
g) Funds will be released to the States in consonance with rule 232(V) of
the General Financial Rules, 2017, strictly keeping in view the funds
(Central and State shares) available in the State treasury and Bank
Account of Single Nodal Agency as per PFMS or AwaasSoft (fully
integrated with PFMS) in consonance with rule 232(V) of the General
Financial Rules, 2017.
h) The administrative funds shall also be kept in Single Nodal Account and
all other accounts operational for administrative fund disbursal at
State/District/Block/Sub-Block level shall be closed.
i) The transfer of the assistance to the beneficiaries shall be done to his /
her registered accounts through digitally signed FTO from the SNA. For
transfer of funds to the beneficiaries, Aadhaar Linking & Verification
shall be done or the bank account of the beneficiary shall be frozen on
AwaasSoft. The amount transferred shall be as per the instalments
decided by the State/UT Governments for a particular year.
j) After the end of every financial year the reconciliation of the opening
balance as on 1st April between bank balance in the SNA and the balance
as per AwaasSoft shall be undertaken by the 15th of April. An audited
statement of the Single Nodal Account for the previous financial year
must be furnished to the Ministry by the 15th of May.
k) Quarterly reconciliation of balance available in the SNA and the balance
as per AwaasSoft shall be undertaken using Financial Reconciliation
Management System (FRMS), a module on AwaasSoft, on the last day of
every quarter i.e., 30thJune, 30th September, 31st December and 31st March
l) The Single Nodal Agency shall ensure that the interest earned from the
funds released to SNA should be mandatorily remitted to the respective
Consolidated Funds on pro-rata basis in terms of Rule 230(8) of GFR,
2017. Interest earned should be clearly and separately depicted in
PFMS/AwaasSoft integrated with PFMS and in MIS provided by the
48
 banks. The details for remittance of the Central Share as per funding
pattern would be communicated to States/UTs separately. The
States/UTs are also required to give undertaking/ certification for this
remittance as per format given in Annexure-X.
m) An Audited Statement/ Audit Report of the scheme for the previous
financial year must be furnished to the Ministry by the 30th of September.
n) States/UT with legislature will maintain separate budget lines for Central
and State Share in their Detailed Demand for Grants (DDG), for
PMAY-G and make necessary provision of the State share in the State’s
budget. While releasing funds to SNA, State’s Integrated Financial
Management Information System (IFMIS) should provide these budget
heads and the same should be captured in PFMS through treasury
integration.

10.2 Fund Release and Accounting

a) For accounting and release of funds the State/UT shall be considered as

a unit.
b) The annual central allocation to the States/ UTs will be released in two
instalments. The first instalment shall be equal to 50% of total Annual
Financial allocation and the second instalment shall be equal to the
annual Allocation minus first instalment as prescribed in the guidelines.
However, as per instructions of Ministry of Finance, each instalment will
be released in two tranches. The tranches would not be more than 25%
of the amount earmarked for a State for the Financial Year .
c) The Ministry will release funds to the Consolidated Fund of the States
and the UTs with Legislature, as per the provision made in the Central
Budget for release of programme funds to States and UTs with
Legislature respectively. In respect of UTs without Legislature, the funds
would be released through Letter of Authority issued by the Ministry.
d) The miscellaneous receipts (other than interest) accrued on PMAY-G
funds shall be treated as part of the scheme resources. These directions
will apply to Central and State Matching share. The interest earned from
the funds released to SNA should be mandatorily remitted to the

49
 respective Consolidated Funds on pro-rata basis in terms of Rule 230(8)
of GFR, 2017.
e) The States / UTs may front load the expenditure by using their own
resources and recoup it including interest accruing on such amount later
from the Central Government funds. In such a scenario, the interest
accrued on State advances over and above the matching State share shall
be clearly accounted by States / UTs. However, the rules pertaining to
operation of SNA will be applicable.
f) The States / UTs are free to supplement the unit assistance under
PMAY-G through their own resources. They can do so either through
SNA or through separate account. In case they choose the SNA to
supplement, the choice shall be communicated to the Ministry to make
necessary adjustments in AwaasSoft. In such scenario, rules pertaining to
operation of SNA will be applicable. Besides this they shall maintain the
separate statement of the interest accruing on the supplementary funds to
facilitate accounting.
g) The funds received will be kept in the SNA only and shall not be
diverted to Fixed Deposits/Flexi-Account/Multi-Option Deposit
Account/Corporate Liquid Term Deposit (CLTD) Account etc.
h) The State IFMIS should be able to capture scheme component-wise
expenditure along with PFMS Scheme Code and Unique Code of the
Agencies incurring the expenditure. State Governments will ensure daily
uploading/sharing of data by the State IFMIS/Treasury applications of
PFMS. PFMS will act as a facilitator for payment, tracking and
monitoring of fund flow.
i) State Nodal Agencies and IAs will mandatorily use the Expenditure,
Advance and Transfer (EAT) module of PFMS or integrate their systems
with the PFMS to ensure that information on PFMS is updated by each
IA at least once every day.
j) Instructions issued by Department of Expenditure, Ministry of Finance,
from time to time, relating to release of funds under Centrally Sponsored
Schemes and monitoring utilisation of funds released shall be adhered to.

10.3 Submission of proposals and release of funds

50
 10.3.1 The State/UT shall be the unit for the purpose of submission of
proposals and release of funds. The State/UT shall send one
consolidated proposal to the Ministry for release of funds. All conditions
to be fulfilled for release of funds and the percentage of utilisation
required, would be accounted for at the State/UT level.

10.3.2 Once all transactions are brought on to the electronic platform,

the proposals for release of funds shall be auto-generated based on
predefined parameters along with supporting documents and uploaded
after approval by the competent authority.

10.3.3. At the submission of proposal for release of central share of

funds, the State Government/UT Administration is required to certify
the following:

i) The entire amount of central share released to the State till 31st March of
previous year has been transferred to the Single Nodal Account (SNA)
concerned.
ii) Corresponding State share in full has been credited to by the State
Government to the SNA.
iii) Interest accrued in the SNA has been deposited in the Consolidated
Fund as per the instructions given in para 10.1(u) above.
iv) All the bank accounts except the SNA and all the bank accounts of
implementing agencies except zero balance account opened by State/UT
have been closed and the amount available in these accounts has been
deposited in the SNA concerned. Details may be referred in Para 10.1 (n)
above.
v) Funds available in the SNA should not be more than 25% of the amount
likely to be released to the state /UT in the given FY (Annual Financial
Allocation).
vi) Separate budget lines for Central and State share under the scheme in the
detailed demand for grants of the State /UT has been opened and the
same is reflected on PFMS.
vii) Any other conditions prescribed by DoE.

51
 10.4 Procedure for release of first instalment

i. At the onset of the Financial Year, the Annual Financial Allocation

(Program and Admin Fund) would be decided for each State/UT on the
basis of previous year’s performances - houses pending for completion
and utilization of available funds & targets allocated in the current year.
The Annual Financial Allocation would be part of the Annual Action
Plan (AAP) and would be approved by the Empowered Committee
chaired by Secretary (RD)
ii. The 1st instalment amounting to 50% of the Annual Financial Allocation
shall be released (in tranches) subject to fulfilment of conditions
prescribed in the guidelines andspecific conditions, if any, prescribed by
the Ministry.
iii. The funds pending for release against the targets allocated during the
current as well as the previous financial year(s) would be adjusted against
the Annual Financial Allocation irrespective of the year(s) in which
targets were allocated subject to fulfilment of specific conditions, if any,
prescribed at the time of previous releases.
iv. The 1stinstalment of funds would be released in two tranches (of (not
more than 25% of the Annual Financial Allocation for the State/UT) or
as per instruction issued by DoE from time to time.

10.5 Procedure for release of second instalment

10.5.1 The States will submit a proposal for the State as a whole for
release of 2nd instalment. The proposal to be submitted should be based
on achievement of prescribed physical and financial progress on
AwaasSoft enclosed with the duly signed copy of the report from
AwaasSoft by the Competent Authority. The 2nd instalment of funds
would also be released in two tranches (of not more than 25% of the
Annual Financial Allocation for the State/UT)

10.5.2 The release of second instalment for Housing funds/ Programme

funds to the State/UT will be subject to the following conditions:

i. State has deposited the Central share of funds released earlier along with
State matching share into SNA and the same is reflected on PFMS
52
 ii. Utilisation of 75% of total available funds in Single Nodal Account and
the funds available in SNA should be less than 25% of the amount likely
to be released to the State in the financial year i.e., 25% of the Annual
Financial Allocation.
iii. Achievement of the physical progress as per the prescribed criteria and
indicators as given below:
Year * Criteria Indicator

Cumulative Target Fixing 90 percent

Cumulative Issue of Sanctions 80 percent of targets

Cumulative Adhaar Verification for 100 percent of the

ABPS/Freezing of sanction.
Beneficiary Accounts

Cumulative Release of 1st instalment 75 percent of the

to the beneficiary sanctions in terms of
generation of FTO

Cumulative till previous Houses Completed 70 percent of houses

to preceding Financial sanctioned against targets
Year

* If the 2nd tranche of 1st instalment or the 2nd instalment is not claimed in
the previous financial year, then also the State will be required to submit
the proposal in compliance to the above even for claiming 1st tranche of
1st instalment of the current Financial Year .
iv. Any other condition imposed by the Ministry.
v. One or more condition(s) given in 10.5.2 (iii) may be relaxed with the
approval of the Secretary, Rural Development

10.5.3 Release of 2nd Instalment (Housing & Administrative

funds)

10.5.3.1 The State government shall furnish the following documents

along with the proposal for the release of 2nd instalment (Housing): -

53
 i. Submission of proposal in the prescribed Proforma - Annexure-III (A).
ii. Utilization Certificate (Housing), in the prescribed Proforma(Annexure-
IV), for funds received during the current financial year and previous
financial year(s)
iii. Expenditure Statement, in the prescribed Proforma(Annexure-V), for
funds received during the current financial year
iv. Audit Report of the State for the previous financial year(s). In case any
irregularities are pointed out in the Audit Report, the action taken on
such irregularities should also be reported.
v. A consolidated certificate for following:-

a) No major irregularities such as embezzlement, diversion of funds

etc., have been noticed in the audit report for the previous year in
respect of any implementing agency under Pradhan Mantri Awaas
Yojana-Gramin OR Necessary action has already been initiated to
rectify the defects pointed out in the Audit Report for the
previous year and earlier years and compliance has been sent to
the Ministry.
b) Targets of SC/ST/Persons with Disability prescribed by MoRD
have been distributed by the State Governments amongst districts
& actual achievement of physical targets planned during the last
year in respect of aforesaid categories is attached (District-wise
report is attached).
c) No issues were raised in the Minutes of Empowered Committee
Meeting OR the the issues raised in the meetings of the
Empowered Committee has been complied with and compliance
is attached.
d) No conditions has been put by MoRD relating to release of funds
OR the conditions put by MoRD have been complied with and
compliance is attached.
e) There are no instances of diversion and embezzlement of funds of
PMAY-G.
f) All conditions laid down in the PMAY-G guidelines are being
fulfilled while implementing the scheme.
g) All the funds under the scheme have been kept in the Savings
Bank Account -Single Nodal Account of the PMAY-G. No
fund has been withdrawn from this Bank Account and deposited
in the Treasury even temporarily.

vi. Copies of sanction orders releasing the State Share for the previous
financial year and documents in the form of bank statement showing
54
 actual transmission of funds in Single Nodal Account and uploading the
same in AwaasSoft. The release of Central Share and due State Matching
Share from Treasury into SNA is reflected on PFMS.

10.5.3.2 The release of second instalment for administrative funds to the

State/UT will be subject to the following conditions:

i. State has deposited the Central share of funds released earlier along with
State matching share into SNA and the same is reflected on PFMS
ii. Utilisation of 75% of total available funds in Single Nodal Account and
the funds available in SNA should be less than 25% of the amount likely
to be released to the State in financial year i.e. 25% of Annual Financial
Allocation.
iii. If the 2ndtranche of 1st instalment or the 2nd instalment is not claimed in
the previous financial year, then also the State will be required to submit
the proposal in compliance to above even for claiming 1st tranche of 1st
instalment of the current Financial Year.

10.5.3.3 Following documents are required to be submitted for seeking

release of 2nd instalment (Administrative fund): -

i. Submission of proposal in the prescribed Proforma -Annexure-III (B).

ii. Utilisation Certificate for administrative expenses for the previous as per
prescribed proforma (Annexure-VI)
iii. Expenditure Statement for administrative expenses for the current
financial year(s) as per prescribed proforma (Annexure-VII).
iv. Separate Audit Report for Administrative Cost of the State for the
previous financial year(s). In case any irregularities are pointed out in the
Audit Report, the action taken on such irregularities should also be
reported.
v. A consolidated certificate for following:-

a) No major irregularities such as embezzlement, diversion of

funds etc., have been noticed in the audit report for the
previous year in respect of any implementing agency under
Pradhan Mantri Awaas Yojana-Gramin OR Necessary action

55
 has already been initiated to rectify the defects pointed out in
the Audit Report for the previous year and earlier years and
compliance has been sent to the Ministry.
b) Targets of SC/ST/Persons with Disability prescribed by
MoRD have been distributed by the State Governments
amongst districts & actual achievement of physical targets
planned during the last year in respect of aforesaid categories is
attached (District-wise report is attached).
c) No issues were raised in the Minutes of Empowered
Committee Meeting OR the the issues raised in the meetings of
the Empowered Committee has been complied with and
compliance is attached.
d) No conditions has been put by MoRD relating to release of
funds OR the conditions put by MoRD have been complied
with and compliance is attached.
e) There are no instances of diversion and embezzlement of
funds of PMAY-G.
f) All conditions laid down in the PMAY-G guidelines are being
fulfilled while implementing the scheme.
g) All the funds under the scheme have been kept in the Savings
Bank Account -Single Nodal Account of the PMAY-G. No
fund has been withdrawn from this Bank Account and
deposited in the Treasury even temporarily.
h) The Administrative Fund has been utilised only on permissible
heads.

vi. Compliance to Instructions of DoE, Ministry of Finance w.r.t. utilization

of administrative funds for processing of handling salaries, remittance of
statutory dues, & other deductions of employees engaged in
implementation of PMAY-G.

10.5.3.4 Additional Rs. 45 lakh administrative fund annually from Central

Share of administrative funds (0.3% out of total Administrative Fund of
2%) willbe released to each Small State viz. Himachal Pradesh, Haryana,
Goa, Punjab, Uttarakhand, North Eastern States except Assam and

56
 Tripura and all UTs except J&K over and above the 1.70%
administrative funds released to the said States/UT (from FY 2021-22).
These additional funds would be released in 2 instalments/4 tranches to
eligible States/UTs based on their utilisation by the States/UTs. 1st
instalment/1st tranche of these funds would be released unconditionally
to the eligible States/UTs, however for claiming next instalment release,
the States/UTs would be required to submit utilisation certificate
showing 75% expenditure of previously released funds and certificate
that these have been utilised on permissible heads of utilisation of
administrative expenses. The accounting of these funds shall be done
alongwith Administrative funds of the State/UT.

10.5.3.5 A Check List for release of 2nd instalment (Housing/

Administrative expenses) is given at Annexure-II (A) & II (B).

10.5.4 Timeline for submission of proposals for release of 2nd instalment

a) The State/UT shall submit the proposal complete in all respects for
release of 2nd instalment as soon as possible, and latest by 31st December
of the financial year. If the proposal for the 2nd instalment for the
financial year is received after 31st December, the proposal would be
considered and funds released in that financial year depending on the
availability of funds.
b) In case the proposal for 2nd instalment is received and processed in the
next financial year after the State has already availed 1st instalment, it will
be considered as proposal for release of 1st instalment against the Annual
Financial Allocation for the State/UT fixed in that Financial Year (i.e.,
next financial year).
c) The State will be required to submit the proposal in compliance to
instructions for release of 2nd instalment of Central Share already
elaborated in Para 10.5.2 & 10.5.3 above.

10.6 Transfer of Central Share to Single Nodal Account

10.6.1 The State Government will transfer the Central share received in
its account in the RBI to the concerned SNA not later than a period of

57
21 days of its receipt. The Central share shall not be diverted to the
Personal Deposit (PD) account or any other account by the State
Government.

10.7 Release of State share

10.7.1 The Corresponding State Share for Central Share should be

released as early as possible and not later than 40 days of release of the
Central share. The funds will be maintained in the SNA. State
Governments shall not transfer scheme-related funds to any other bank
account, except for actual payments under the Scheme. A copy of the
sanction order releasing the State Share needs to be uploaded on
AwaasSoft.

10.7.2 . No funds will be released to State in case of non-release/

deposition of due State Matching Share from Treasury into SNA.

10.8 Reallocation

If any State/UT is unable to utilize its allocated funds/ targets for the
Financial Year within reasonable time period, Secretary (Rural
Development)may re-allocate the targets/ financial allocation of the
State/UT to other States/UTs.

10.9 Penalty Provision

Penalty Provision/ Deduction in Administrative Fund Provided by

Government of India due to delay in activities undertaken in Pradhan
Mantri Awaas Yojana – Gramin has been introduced to promote
adherence of timeline at various stages of completion of houses. The
guideline of the Penalty provision is at Annexure XI.

58
 CHAPTER-11

SPECIAL PROJECTS

11.1 Allocation for Special Projects

11.1.1 Up to five percent of the targets under PMAY-G, would be

reserved for Special Projects. The States may submit the proposals in
respect of the following:

A. Rehabilitation / relocation of families whose houses have been

completely /substantially damaged on account of: -

i. Natural hazards as categorized in the extant National

Disaster Management Plan of National Disaster
Management Authority - Flood, earthquake, fire etc.
ii. Law and order problems

B. Settlement of families affected due to / benefitted by

i. Affected due to international border issues

ii. Notified under “The Scheduled Tribes and other
Traditional Forest Dwellers (Recognition of Forest Rights)
Act, 2006” or it’s subsequent amendments
iii. Occupational diseases like silicosis, asbestos, people
affected by overuse of pesticides or individuals who have
been affected by epidemic diseases such as “Kala-azar”
iv. Households belonging to the “Particularly Vulnerable
Tribal Groups (PVTG)”

C. Settlement of surrendered militants and their families

D. New technology demonstration – especially with focus on

affordable and green technologies and using locally available materials.

E. To demonstrate and scale up innovative and sustainable solutions

for green housing, special projects may be taken up by the Ministry
and/or in collaboration with different funding and technology partners.

F. Any other suitable category or class of persons.

59
11.2 Proposal for Special Projects

11.2.1 The proposal for Special Project should be submitted by

State Governments with adequate details and justification to the Ministry
of Rural Development. The proposals submitted by the States would be
considered by the Empowered Committee for approval. In extreme cases
of natural calamities / hazards, the proposal should be examined within
15 days of receipt and placed on file for approval of Secretary (Rural
Development), Government of India. Subsequently, it will be placed
before the Empowered Committee for ex-post facto approval.

11.2.2 The State while submitting the proposal should ensure the
following:-

a) The beneficiaries who are to be provided assistance under Special

Project have been identified.
b) The beneficiaries identified under the special projects are those
households that are listed in the Permanent Wait List of SECC
2011 or finalised Awaas+ List
c) The Proposal should include the list of such beneficiaries along
with their PMAY-G ID.
d) In respect of new technology demonstration, the beneficiaries
have given the consent for taking up the technology
demonstration.

11.3 Funds for Special Projects

11.3.1 The targets of Special Projects would be added with the normal
targets and considered for release (along with Administrative funds)
within the Annual Financial Allocation of the State/UT as per provisions
given in Chapter-10.

60
 CHAPTER – 12

GRIEVANCE REDRESSAL

12.1 There shall be a grievance redressal mechanism set up at different

levels of administration viz., Gram Panchayat, Block, District and the
State. An official of the State Government needs to be designated at each
level to ensure disposal of grievances to the satisfaction of the
complainant.

12.2 The official who is designated at each level would be responsible

for disposing off the grievance / complaint within a period of 15 days
from the date of receipt of the grievance / complaint.

12.3 The details of the designated grievance redressal official (including

name, telephone number and address) at each level for addressing the
grievance and the procedure to file the grievance should be clearly
displayed in each Panchayat. The procedure displayed should also
indicate the escalation process if the complainant is not satisfied with the
disposal of his / her grievance. Awareness also needs to be generated
about lodging of complaints on the CPGRAMS portal (pgportal.gov.in).

12.4 With regard to the complaints received in the Ministry of Rural

Development through CPGRAMS or otherwise, the same would be
forwarded to the respective State Government for redressal of the
grievance. The officers designed at each level for redressal of grievances
should take necessary action and furnish the Action Taken Report to the
Ministry under intimation to the complainant within one month of
receipt of the complaint.

12.5 In order to expeditiously redress the grievances and to uphold the

rights of the rural poor, the States/UTs should utilise the services of
Ombudsperson under MGNREGA to dispose of grievances and
reported incidences of irregularities under PMAY-G.

61
 CHAPTER-13

e-Governance in PMAY-G

13.0 In PMAY-G, programme implementation and monitoring shall be

executed through an end-to-end e-Governance model. There will be two
systems for e-Governance based service delivery in the scheme i.e.;

a) the PMAY-G MIS–AwaasSoft, and

b) the PMAY-G mobile application- AwaasApp

13.1 AwaasSoft

AwaasSoft is a bi-lingual (Hindi & English), transactional web

based electronic service delivery platform to facilitate e-Governance in
PMAY-G. The system has been developed in house by the Rural
Housing Division of Ministry of Rural Development, in collaboration
with NIC. The portal is currently hosted at the URL
https://pmayg.nic.in. All the critical functions of PMAY-G like
identification of beneficiaries from SECC, fixing of targets, release of
funds, issue of sanction order to the beneficiary, monitoring of the
progress of house construction, release of the assistance amount to the
beneficiary, etc. are done through AwaasSoft. The workflow for the
scheme implementation that is transacted through AwaasSoft, after the
finalization of beneficiary waitlist, is shown in the flow Diagram 1.

62
13.1.1. Features of AwaasSoft

13.1.1.1 The MIS has different modules for utilization by different levels
viz., State, District, Block and Panchayat. The modules have been
developed to execute various transactions that would be required in
implementation of the scheme of PMAY-G, and to capture their
outcomes. Important AwaasSoft modules are as follow: -

(a) Target setting for a year

63
Deals with the target setting (physical and financial) at Ministry of Rural
Development, State, District, Block and Gram Panchayat levels.

(b) Beneficiary Selection under PMAY-G

Deals with making available the Gram Panchayat-wise list of eligible

beneficiaries as per SECC- 2011 database & Awaas+ lists, generating
priority list of beneficiaries, search Panchayats / villages, and
beneficiaries from SECC database & Awaas+ lists, Uploading of Gram
Sabha Resolution, Preparation of Priority List, Appellate verification

(c) Beneficiary Management

Facilitates registration of the beneficiary, uploading photograph of the

beneficiary, allowing for capturing of personal details, Bank/Post Office
Account number and capturing Aadhaar number, MGNREGA Job Card
Number etc.

(d) Fund Management

Captures receipt of funds from the Centre and the State and transfer of
assistance to the beneficiaries & transfer of administrative funds to
vendors. Further the module captures the details of the Single Nodal
Account, freezing of the bank account details of the beneficiaries, setting
the signatory level and activation / deactivation of Digital Signature
Certificates (DSCs), and generation of order sheets.

(e) Sanction Management

Captures details relating to sanction of the houses, editing of the

sanction, and deletion of the sanctions made.

(f) Progress of Construction

Deals with the regular inspection of houses at the level of Gram

Panchayat and Block Panchayat. Captures the details of the images (along
with the geo-fenced geographical co-ordinates) of different levels of
construction of houses taken, verified and uploaded of AwaasSoft using

64
“AwaasApp”. It also provides space for noting verification of houses by
officials and monitors.

(g) e-payment Dashboard

Deals with regular monitoring of PFMS transactions both State/UT wise

and Bank-wise mainly for processing of beneficiary account verifications
and e-payments. Displays the status of beneficiary account verifications
and e-payments, reports pertaining to FTOs, age and reason wise
account pendency, FTO pendency, defaulters’ status of accounts and
FTO, and average response time for account verification and e-payment.

h) Performance Index

The Performance Index dashboard provides rankings of the all the

States/UTs, Districts and Blocks on real time basis based on certain
identified performance parameters. All these parameters have different
weights. Performance of States/UTs, Districts and Blocks are monitored
through this dashboard and this helps the implementing officials to not
only monitor the progress and performance of their respective
States/Districts/Blocks but also helps in identifying gaps in performance
and then in taking corrective actions.

i) Financial Reconciliation Module

The Financial Reconciliation Module has been put in place to ensure

accounting compliance. States/UTs are required to match transaction as
reported on AwaasSoft with transactions in SNA. This module also helps
to ensure timely and correct entry for opening balance, state share,
interest, and miscellaneous receipts.

j) Admin Module

Admin Module has been launched to track administrative funds head and
sub-head wise. States are required to provide expenses made for program
administration at head and sub-head level through AwaasSoft. Below are
the heads and sub-heads under which States/UTs and Districts may
book expenditure under administrative fund. The heads and sub-heads

65
are categorized basis the indicative heads in PMAY-G implementation
framework.

S No Administrative Fund Sub-heads

Heads
1 Training  Training
 Others
2 Rural Mason Training  Wage of Trainees
Program  Assessment cost
 Toolkit
 Others
3 IEC Activities  Advertisements
 Campaigns
 Event Related
 Others
4 IEC Systems  Hardware
 Software
 Maintenance
 Others
5 Wages  Accountants
 Technical Assistants
 Gram Sevak
 Honorarium
 Computer Assistant
 Others
6 Health care  Injury
 Procurement of Medicines
 Others
7 Evaluation and Research  Research Studies
 Innovative Technologies
 Demonstration of Houses
8 Agency Services  Project Monitoring Unit
 Technical Agency Services
 Others
9 Audit  Audit
 Social Audit
 Others
10 Office Set-up  Land
 Construction
66
  Furniture
 Repair
 Others
11 Travel  Flight
 Road
 Train

j.1 The module is intended to digitally process the administrative funds

at the following levels of implementation:

● State
● District
● Block
● Gram Panchayat
k) Landless beneficiary module:

It is a module on AwaasSoft to allow entry of landless beneficiaries’

details along with details of provision of land, house sanction,
completion, etc.

l) Women Ownership module:

It is a module on AwaasSoft to allow the addition of women member of

a household (PMAY-G beneficiary household) in the sanction details for
houses which were earlier sanctioned solely in name of male member of
household.

(m) Convergence Module:

Module for entry of convergence benefits provided to the beneficiaries

under PMAY-G has been enabled by the Ministry and the same should
be utilized for making entries by the States.

13.1.2 Functions handled by various user levels on

AwaasSoft/AwaasApp
User Function handled through AwaasSoft/AwaasApp
Level
Centre  Setting targets for states

67
User Function handled through AwaasSoft/AwaasApp
Level
 Uploading of sanctions for fund release to State
 Approval of Single Nodal Account
State  Allocating targets to Districts
 Adding Single Nodal Account details
 Confirming fund receipt from Centre
 Releasing the State share
 Setting the instalment values and payment levels
 Fixing the Digital Signatory levels
 Activation/Deactivation of DSC
 Managing Bank/Branch master lists
 Generation of FTOs for admin fund payment
District  Review and approve proposal for house sanction
 Allocating targets to Blocks
 Generation of ordersheet for FTO (if applicable)
 Generation of FTOs for payment of instalments (if
applicable)
Block  Uploading beneficiary waitlist after verification of
SECC data and Awaas+ Data
 Registration of beneficiaries
 Capturing MGNREGA job Card details
 Capturing Bank/Post Office Account Details
 Capturing old house and construction site photographs
 Freezing beneficiary account
 Generation of ordersheet for FTO
 Generation of FTOs for payment of instalments
 Inspection and approval of inspection photographs
 Data entry for transactions prior to FY 2015-16 for
pending IAY houses
13.1.3 States may choose to delegate the functions of order sheet
and FTO generation to the District instead of the Block, as per their
need.

13.2 Managing PMAY-G at different levels

68
13.2.1 A designated officer manages the MIS at the Ministry of Rural
Development working closely with the NIC. The targets and allocation
for the States, once finalized, would be entered by the Ministry.

13.2.2 At the state level, state governments have to nominate Nodal

Officers who would manage the MIS. The number of instalments in
which the fund would be transferred and in what proportion, the district
wise targets and allocation need to be entered at the State level. The
Nodal Officer would also serve as the converging point for queries and
issues faced by the districts and a single window for communication with
NIC in respect of AwaasSoft.

13.2.3 The status of usage of AwaasSoft at the district level shall be

monitored regularly. The reporting of special projects needs to be made
separately under the corresponding provision in AwaasSoft and this
should be ensured at the state level. At the district level dedicated staff
should be identified in order to manage data entry. They would
continuously interact with the state Nodal Officer. The targets and
allocation for the Blocks/Gram Panchayats need to be entered by them.
The pendency status and exception reports generated from AwaasSoft
should form the basis for monitoring. Data entry operations should be
planned to ensure timely entry of information. Regarding the uploading
of photographs, the same may be done using the AwaasApp.

13.3 Process of Data Entry

13.3.1 The process of data entry starts with the registration of the
beneficiaries for the year. The profiles need to be complete including
information on Bank/Post Office accounts, MGNREGA Job Card
Number, Aadhaar Number, Mobile number. The hiring of the required
staff can be charged on the 2% allowed for administrative expenses. it
should be ensured that the man power hired is IT trained and are utilized
efficiently.

69
13.4 Fund flow through AwaasSoft

13.4.1 All the payments from the states to the beneficiary shall be
electronically done through PFMS. The process flow is given below:

13.4.2 The various preparatory steps that need to be undertaken to

migrate to electronic fund transfer are as below: -

(a) Registration of implementing agency and Bank Account

i. Implementing agency at state level to register itself with
PFMS
ii. There should be only one bank account dedicated to
PMAY-G at the state level in which funds of PMAY-G
should be kept.
iii. Agency to ensure that the bank account is registered /
integrated with PFMS
iv. The details of the bank account are to be entered in
AwaasSoft from the link given at State Login.
v. The details of the bank account once finalized, generally
cannot be changed for the financial year.

70
 vi. Ensure that a mobile number and email address is
provided for receiving daily financial reconciliation
statement through SMS / mail.

(b) Designating Signatory for Fund Transfer Order (FTO)

i. The level and designation of officer for digitally signing
the FTO should be declared.
ii. The level and designation of officer for verification of
first sign and for second digital sign should be declared.
iii. The State should appoint a MIS Nodal Officer who will
have the authority to activate / deactivate Digital
Signature Certificates (DSCs).
iv. The 1st and 2nd signatory can be changed by state login
(AwaasSoft) at the start of financial year. Once declared
this cannot be changed at any point of time during
financial year.

(c) Registration of Signatory

i. All 1st and 2nd level signatories to register from their
respective MIS logins
ii. The password would be sent to the registered mobile
number of 1st and 2nd signatory, same shall be changed
after first successful login
iii. The username of the signatory would be the same as the
username of the MIS login followed by ‘A’ for 1st
Signatory and by ‘B’ for 2nd Signatory.

(d) Enrolment of signatory and activation

i. Registered signatories can login from any login screen of
AwaasSoft with the new credentials and enrol their
DSCs.
ii. If the Officer does not have a DSC, the same should be
procured
iii. The State MIS nodal officer can activate/de-activate any
DSC from state login.
71
 iv. Once DSC is activated, signatory can login again to
generate/ digitally sign the FTO in future.
v. Once DSC is activated for an officer, in the event of
his/her transfer, it shall be deactivated at former place
of posting. Same DSC could be put to use by the officer
at his/ her new place of posting after due process of
registration and activation.

(e) Beneficiary Bank Account

i. Capture of Aadhaar/Account details in AwaasSoft-
a) In case of Aadhaar based payment, all Aadhaar should
be captured, validated in AwaasSoft and authenticated
from UIDAI.
b) In case of account-based payments, the bank account of
PMAY-G Beneficiary should be captured and frozen
from the Block Login of AwaasSoft
ii. Verification by PFMS
a) All authenticated Aadhaar would be verified by PFMS
for bank account linkage.
b) All frozen beneficiary bank accounts would be verified
by PFMS
iii. Once account / Aadhaar is verified by PFMS, it will be
re-verified by the block officials who will ascertain that
the name as per Aadhaar/Bank account matches with
the name of the beneficiary as entered in AwaasSoft
iv. The beneficiary bank accounts/Aadhaar which have
been verified by PFMS and subsequently by the block
officials will appear in order sheet for payment
v. The beneficiary bank accounts rejected by PFMS will
again have to be updated and frozen again. In case of
Aadhaar rejection, updation of Aadhaar based account
linkage will be required.
vi. Beneficiaries having Post Office account are also
recognized under PFMS and accordingly, the post office
accounts of the beneficiaries also to be frozen.
72
13.5 Monitoring Progress on AwaasSoft

13.5.1 AwaasSoft has the following types of reports available for

monitoring progress under PMAY-G

a) Physical Progress Reports

b) Financial Progress Reports
c) Convergence Reports
d) Social Progress Report
e) SECC Reports
f) eFMS Reports
g) Social Audit Reports
h) GIS based Reports
i) Other reports

13.6 Transactions through PFMS

13.6.1 PFMS provides the following two services to the Rural

Housing Division of MoRD in relation to transfer of benefit to the end
user under the PMAY-G program: -

(a) Medium for validation of beneficiary accounts by banks

i. PFMS receives details of beneficiaries’ accounts entered by

executives of the state governments on AwaasSoft.
ii. PFMS performs a preliminary validation of the account
information received, and if all is found to be in order,
beneficiaries’ account details are sent to the concerned banks
for validation.
iii. Responses received from the beneficiaries’ banks are relayed to
AwaasSoft.
iv. The above is true only in the case of banks which are
integrated with PFMS. For non-integrated banks, after the
preliminary validation by PFMS, if all is found to be in order,
PFMS directly sends the appropriate responses to AwaasSoft,
with no involvement of the beneficiaries’ banks.

73
(b) As a medium for the payment of FTOs by State Nodal Bank in
which Single Nodal Account is opened by State/UT

i. PFMS receives the Fund Transfer Orders generated by

executives of the state governments on AwaasSoft.
ii. PFMS performs a preliminary validation of the FTOs received,
and if all is found to be in order, PFMS sends an
acknowledgment of having accepted the FTO, or else,
responds with an FTO rejection.
iii. Accepted FTOs are then sent to the concerned state nodal
banks for payments to beneficiary accounts. Each State/UT
shall have only one Single Nodal Account for fund transfer.
iv. Responses received from the state nodal banks are relayed to
AwaasSoft.

13.6.2 All the beneficiaries that are to receive benefit under the
PMAY-G scheme must be registered on AwaasSoft and their bank
accounts should be validated through PFMS.

13.6.3 Payment of all instalments under PMAY-G are to happen

through FTOs generated on AwaasSoft, which then are processed by
PFMS and forwarded to the State Nodal Banks for fund transfer to
beneficiary accounts.

13.7 Mobile Application: AwaasApp

13.7.1 “AwaasApp” mobile App is an android/iOS based App

which can be directly used by Field Functionaries and any PMAY-G
beneficiary or his/her representative to report the physical progress of
house under construction in order to obtain next instalment of financial
assistance. The application is basically designed to facilitate inspections
and uploading of photographs which capture geo-referenced (latitude
and longitude), time and date stamped photographs of pre-determined
stages of construction of the PMAY-G house.

74
13.7.2 Photo of old house and construction site of new PMAY-G
house are to be taken mandatorily using mobile application before
sanctioning the house and subsequent inspections at various levels are
linked to release of instalments. AwaasApp is currently available on both
Android as well as iOS platform and has both online and offline version
to facilitate inspection in connected as well as remote areas.

13.8 Dedicated Micro-Monitoring Dashboard

Dedicated Micro-Monitoring Dashboard has been launched to analyse

data to identify gaps and improve performance. It provides historical
trends and actionable insights for PWL Status, Beneficiaries
Management, Pace of House Construction, Timeliness and accuracy of
Payments, and Status of Convergence.

75
 CHAPTER 14
GREENING PMAY-G

14.1 The Vision

Greening of PMAY-G aims at contributing towards a cleaner and

healthier India. PMAY-G encourages adoption of, as far as possible,
green designs and technologies, appropriate to the local culture and geo-
climatic conditions (including multi-hazards), use of local material
minimising carbon foot print and that the houses are comfortable. It also
aims at adding to local job creation,. It is envisaged that the green
PMAY-G designs and technologies will influence rural housing in general
and enable rural India to emerge with sustainable housing with green and
disaster resilient features in the future. The states may take steps to
encourage willing beneficiaries to adopt green technologies.

Figure 14.1: Green Housing in PMAY-G

76
14.2 What is a green building

A ‘green building’ reduces or eliminates negative impacts and can create

positive impacts on the climate and natural environment in its design,
construction and operation. Green buildings preserve precious natural
resources and improve the quality of life of the people. Below are some
of the benefits of green buildings –

a) Environmental benefits: Green building is resource-efficient

throughout its lifecycle from siting, design, construction, occupancy,
maintenance, renovation, and demolition. It optimizes the use of natural
resources, energy, water, and materials. It promotes renewable energy
such as solar energy, reduces pollution and waste, enables re-use and
recycling of the resources.
b) Economic benefits: In green buildings, the operational cost on
lighting, ventilation, cooling / heating etc. are reduced significantly.
c) Improves occupants’ productivity: Green Buildings also support
healthier, happier, and more productive lives of the occupants.

14.3 Objectives of Green housing under PMAY-G

The objective of green housing is to ensure high quality, sustainable rural

houses with low adverse environmental impact which are also
comfortable, healthy, safe, and affordable

14.4 How to choose Green Materials & Technologies

14.4.1 Greenness can be achieved by using appropriate materials and

technologies to reduce CO2 emission and depletion of non-renewable
resources. Figure 14.1 (extreme right box) shows the different ways of
achieving greenness in housing.

14.4.2 Local materials are inherently green and in addition, they have less
negative environmental impact due to less or no need for transportation.
Greenness could also be achieved by using alternative materials like
77
compressed stabilized earth block, renewable material such as bamboo,
etc.

14.4.3 Alternative technologies can be used to achieve greenness by

reducing consumption of high emission and energy-intensive materials.
For example, if one uses 230 mm thick rat trap bonded brick wall instead
of 230mm thick solid brick wall; about 20% bricks and 25% cement
could be saved with an added advantage of increased indoor thermal
comfort and enhanced employment opportunity.

14.4.4 For any particular region there will be only a few appropriate
green materials and technologies and it will not be difficult to identify
and implement the same through trained local construction workers of
the region. The States may refer to PAHAL, which provides information
on a number of multi-hazard-safe green materials and technologies
identified for different parts of India. PAHAL can be accesed with the
following links:

https://rhreporting.nic.in/netiay/Document/Pahal.pdf

https://rhreporting.nic.in/netiay/Document/Pahal-Volume-II.pdf

14.5 Incentives and Promotion of Green Housing

14.5.1 To encourage adoption of green design and technology in PMAY-

G, States/UTs may decide upon their own incentive structure.

14.5.2 To create an enabling environment for adopting green

technologies in PMAY-G, states may consider construction of
demonstration houses using green materials and green technologies.

78
 Annexure –I

EXCLUSION PROCESS
Step 1: Exclusion of pucca houses- All households living in houses with pucca
roof and/or pucca wall and households living in houses with more than 2 rooms are
filtered out.
Step 2: Automatic Exclusion– From the remaining set of households, all
households fulfilling any one of the 13 parameters listed below are
automatically excluded: -
1. Motorised two/three/four-wheeler/ fishing boat
2. Mechanised three/ four-wheeler agricultural equipment
3. Kisan Credit Card with credit limit of Rs.50,000 or above
4. Household with any member as a Government employee
5. Households with non-agricultural enterprises registered with the Government
6. Any member of the family earning more than Rs.10,000 per month
7. Paying income tax
8. Paying professional tax
9. Own a refrigerator
10. Own landline phone
11. Own 2.5 acres or more of irrigated land with at least one irrigation equipment
12. 5 acres or more of irrigated land for two or more crop seasons
13. Owning at least 7.5 acres of land or more with at least one irrigation equipment

CRITERIA FOR AUTOMATIC INCLUSION

1. Households without shelter

2. Destitute / living on alms
3. Manual scavengers
4. Primitive Tribal Groups
5. Legally released bonded labourer

79
 Annexure-II (A)

CHECK LIST FOR RELEASE OF SECOND INSTALLMENT FOR HOUSING/

PROGRAM FUNDS

1. Whether following conditions have been fulfilled:-

i. State has deposited the Central share of funds released earlier along with State matching share
into SNA and the same is reflected on PFMS
ii. Utilisation of 75% of total available funds in Single Nodal Account and the funds available in
SNA should be less than 25% of the amount likely to be released to the State in the financial year
i.e., 25% of the Annual Financial Allocation.
iii. Achievement of the physical progressas per the prescribed criteria and indicators as given below:

Year * Criteria Indicator

Cumulative Target Fixing 90 percent

Cumulative Issue of Sanctions 80 percent of targets

Cumulative Adhaar Verification for 100 percent of the
ABPS/Freezing of Beneficiary sanction.
Accounts

Cumulative Release of 1st instalment to the 75 percent of the

beneficiary sanctions in terms of
generation of FTO

Cumulative till previous to Houses Completed 70 percent of houses

preceding Financial Year sanctioned against
targets

* If the 2nd tranche of 1st instalment or the 2nd instalment is not claimed in the previous financial year,
then also the State will be required to submit the proposal in compliance to the above even for
claiming 1st tranche of 1st instalment of the current Financial Year .

i. Any other condition imposed by the ministry.

2. Whether the following documents have been submitted along with the proposal: -

i. Submission of proposal in the prescribed Proforma - Annexure-III (A).

ii. Utilization Certificate (Housing), in the prescribed Proforma (Annexure-IV), for
funds received during the current financial year and previous financial year(s)
iii. Expenditure Statement, in the prescribed Proforma (Annexure-V), for funds
received during the current financial year
iv. Audit Report of the State for the previous financial year(s). In case any
irregularities are pointed out in the Audit Report, the action taken on such
irregularities should also be reported.
v. A consolidated certificate for following :-

80
 a) No major irregularities such as embezzlement, diversion of funds etc.,
have been noticed in the audit report for the previous year in respect
of any implementing agency under Pradhan Mantri Awaas Yojana-
Gramin OR Necessary action has already been initiated to rectify the
defects pointed out in the Audit Report for the previous year and
earlier years and compliance has been sent to the Ministry.
b) Targets of SC/ST/Persons with Disability prescribed by MoRD have
been distributed by the State Governments amongst districts & actual
achievement of physical targets planned during the last year in respect
of aforesaid categories is attached (District-wise report is
attached).
c) No issues were raised in the Minutes of Empowered Committee
Meeting OR the the issues raised in the meetings of the Empowered
Committee has been complied with and compliance is attached.
d) No conditions has been put by MoRD relating to release of funds OR
the conditions put by MoRD have been complied with and
compliance is attached.
e) There are no instances of diversion and embezzlement of funds of
PMAY-G.
f) All conditions laid down in the PMAY-G guidelines are being
fulfilled while implementing the scheme.
g) All the funds under the scheme have been kept in the Savings
Bank Account -Single Nodal Account of the PMAY-G. No fund has
been withdrawn from this Bank Account and deposited in the
Treasury even temporarily.

vi. Copies of sanction orders releasing the State Share for the previous financial year
and documents in the form of bank statement showing actual transmission of
funds in State Nodal Account and uploading the same in AwaasSoft. The release
of Central Share and due State Matching Share from Treasury into SNA is
reflected on PFMS.

3. Documents required with the Proposal

S. Documents At pages
No.
1 Submission of proposal in the prescribed Proforma.
.
2 Utilization Certificate & Expenditure Statement for Housing, in the
. prescribed Proforma, for funds received during the current
financial year and previous financial year (s)
3 Audit Report for Housing of the State for the previous financial
. year(s) (in original). in case any irregularities are pointed out in the
Audit Report, the action taken on such irregularities should also be
reported.
Auditors observation
Action Taken Report on observations of the Auditor, if any/nil
observation.
Receipt & Payment statement
Balance Sheet

81
 Bank Reconciliation Statement
4 Uploading of copies of sanction orders releasing the matching state
. share for the previous and current financial year on AwaasSoft.
5 A consolidated certificate for the following in the proforma for
. release of 2ndinstallment:

a) No major irregularities such as embezzlement, diversion of

funds etc., have been noticed in the audit report for the
previous year in respect of any implementing agency under
Pradhan Mantri Awaas Yojana-Gramin OR Necessary
action has already been initiated to rectify the defects
pointed out in the Audit Report for the previous year and
earlier years and compliance has been sent to the Ministry.
b) Targets of SC/ST/Persons with Disability prescribed by
MoRD have been distributed by the State Governments
amongst districts & actual achievement of physical targets
planned during the last year in respect of aforesaid
categories is attached (District-wise report is attached).
c) No issues were raised in the Minutes of Empowered
Committee Meeting OR the the issues raised in the
meetings of the Empowered Committee has been complied
with and compliance is attached.
d) No conditions has been put by MoRD relating to release of
funds OR the conditions put by MoRD have been complied
with and compliance is attached.
e) There are no instances of diversion and embezzlement of
funds of PMAY-G.
f) All conditions laid down in the PMAY-G guidelines are
being fulfilled while implementing the scheme.
g) All the funds under the scheme have been kept in the
Savings Bank Account -Single Nodal Account of the
PMAY-G. No fund has been withdrawn from this Bank
Account and deposited in the Treasury even temporarily.

6 Copies of sanction order releasing the State Share for the previous
. and current financial year and documents in the form of bank
statement showing actual transmission of funds in State Nodal
Account.

Signature______________________
(full name with designation & official seal)
Date__________________

82
 Annexure-II (B)

CHECK LIST FOR RELEASE OF SECOND INSTALLMENT FOR

ADMINISTRATIVE FUNDS

1. Whether following conditions have been fulfilled:-

i. State has deposited the Central share of funds released earlier along with State
matching share into SNA and the same is reflected on PFMS
ii. Utilisation of 75% of total available funds in State Nodal Account and the funds
available in SNA should be less than 25% of the amount likely to be released to
the State in financial year i.e. 25% of Annual Financial Allocation.

2. Whether the following documents have been submitted along with the
proposal: -

i. Submission of proposal in the prescribed Proforma - Annexure-III (B).

ii. Utilisation Certificate for administrative expenses for the previous as per
prescribed proforma (Annexure-VI)
iii. Expenditure Statement for administrative expenses for the current financial year(s) as
per prescribed proforma (Annexure-VII).
iv. Separate Audit Report for Administrative Cost of the State for the previous financial
year(s). In case any irregularities are pointed out in the Audit Report, the action taken
on such irregularities should also be reported.
v. A consolidated certificate for the following:-
a) No major irregularities such as embezzlement, diversion of funds etc., have
been noticed in the audit report for the previous year in respect of any
implementing agency under Pradhan Mantri Awaas Yojana-Gramin OR
Necessary action has already been initiated to rectify the defects pointed out
in the Audit Report for the previous year and earlier years and compliance has
been sent to the Ministry.
b) Targets of SC/ST/Persons with Disability prescribed by MoRD have been
distributed by the State Governments amongst districts & actual achievement
of physical targets planned during the last year in respect of aforesaid
categories is attached (District-wise report is attached).
c) No issues were raised in the Minutes of Empowered Committee Meeting OR
the the issues raised in the meetings of the Empowered Committee has been
complied with and compliance is attached.
d) No conditions has been put by MoRD relating to release of funds OR the
conditions put by MoRD have been complied with and compliance is
attached.
e) There are no instances of diversion and embezzlement of funds of PMAY-G.
f) All conditions laid down in the PMAY-G guidelines are being fulfilled
while implementing the scheme.
g) All the funds under the scheme have been kept in the Savings Bank
Account -Single Nodal Account of the PMAY-G. No fund has been
withdrawn from this Bank Account and deposited in the Treasury even
temporarily.
h) The Administrative Fund has been utilised only on permissible heads.

83
 vi. Compliance to Instructions of DoE, Ministry of Finance w.r.t. utilization of
administrative funds for processing of handling salaries, remittance of statutory dues,
& other deductions of employees engaged in implementation of PMAY-G.

3. Documents required with the Proposal

S. No. Documents At pages
1. Submission of proposal in the prescribed Proforma.
2. Utilization Certificate & Expenditure Statement for
Administrative expenses, in the prescribed Proforma, for
funds received during the current financial year and previous
financial year (s)
3. Audit Report for Administrative expenses of the State for the
previous financial year(s) (in original). in case any irregularities
are pointed out in the Audit Report, the action taken on such
irregularities should also be reported.
Auditors observation
Action Taken Report on observations of the Auditor, if
any/nil observation.
Receipt & Payment statement
Balance Sheet
Bank Reconciliation Statement
4. Uploading of copies of sanction orders releasing the matching
state share for the previous and current financial year on
AwaasSoft.
5. A consolidated certificate for the following:-
a) No major irregularities such as embezzlement,
diversion of funds etc., have been noticed in the audit
report for the previous year in respect of any
implementing agency under Pradhan Mantri Awaas
Yojana-Gramin OR Necessary action has already been
initiated to rectify the defects pointed out in the Audit
Report for the previous year and earlier years and
compliance has been sent to the Ministry.
b) Targets of SC/ST/Persons with Disability prescribed
by MoRD have been distributed by the State
Governments amongst districts & actual achievement
of physical targets planned during the last year in
respect of aforesaid categories is attached (District-
wise report is attached).
c) No issues were raised in the Minutes of Empowered
Committee Meeting OR the the issues raised in the
meetings of the Empowered Committee has been
complied with and compliance is attached.
d) No conditions has been put by MoRD relating to
release of funds OR the conditions put by MoRD have
been complied with and compliance is attached.
e) There are no instances of diversion and embezzlement
of funds of PMAY-G.
f) All conditions laid down in the PMAY-G guidelines are
being fulfilled while implementing the scheme.
84
 g) All the funds under the scheme have been kept in the
Savings Bank Account -Single Nodal Account of the
PMAY-G. No fund has been withdrawn from this
Bank Account and deposited in the Treasury even
temporarily.
h) The Administrative Fund has been utilised only on
permissible heads.
6. Copies of sanction order releasing the State Share for the
previous and current financial year and documents in the form
of bank statement showing actual transmission of funds in
State Nodal Account.
7. Compliance to Instructions of DoE, Ministry of Finance w.r.t.
utilization of administrative funds for processing of handling
salaries, remittance of statutory dues, & other deductions of
employees engaged in implementation of PMAY-G.

Signature______________________
(full name with designation & official seal)
Date__________________

85
 Annexure- III (A)

PRADHAN MANTRI AWAAS YOJANA-GRAMIN (PMAY-G)

PROFORMA FOR SUBMISSION OF PROPOSAL FOR RELEASE OF

SECOND INSTALMENT
(HOUSING)

1. YEAR :
2. Name of State :

3. Name of the State claiming 2nd Instalment:

a) Address :
:
:
b) Tele. No. :
c) Fax No.(if any) :
:
d) E-mail address :

4. Central Allocation for the current year :

5. Funds received are as under:

(Amount in Rs. lakh)

Releases Current Year Previous Year

(i.e.
…………..) (i.e…………….)

A. Central Release

B. State Release

TOTAL

6. Funds available:
SL. Items Current Year Previous Year (i.e…..)
No. (i.e…..)
1 (a) Carryover funds from the
previous year…..
2 Released under PMAY-G received
by the State
86
 (a) Centre
(i) of Current year (i.e……)
(ii) of previous year (i.e….)
(b) State
(i) of Current year (i.e……)
(ii) of previous year (i.e….)
3 Interest accrued
4 Miscellaneous Receipt, if any
5 Total available funds
6 Expenditure as on date
7 Percentage (%) of expenditure

7. Utilization Certificate for the previous year (...................) is enclosed in the

prescribed Proforma (Form GFR-19A)

8. Audit report of the previous year (...................) with the relevant certificates duly
recorded by the Auditor is enclosed.

9. It is certified that :
a) No major irregularities such as embezzlement, diversion of funds etc., have
been noticed in the audit report for the previous year in respect of any
implementing agency under Pradhan Mantri Awaas Yojana-Gramin OR
Necessary action has already been initiated to rectify the defects pointed out
in the Audit Report for the previous year and earlier years and compliance has
been sent to the Ministry.
b) Targets of SC/ST/Persons with Disability prescribed by MoRD have been
distributed by the State Governments amongst districts & actual achievement
of physical targets planned during the last year in respect of aforesaid
categories is attached (District-wise report is attached).
c) No issues were raised in the Minutes of Empowered Committee Meeting OR
the the issues raised in the meetings of the Empowered Committee has been
complied with and compliance is attached.
d) No conditions has been put by MoRD relating to release of funds OR the
conditions put by MoRD have been complied with and compliance is
attached.
e) There are no instances of diversion and embezzlement of funds of PMAY-G.
f) All conditions laid down in the PMAY-G guidelines are being fulfilled
while implementing the scheme.
g) All the funds under the scheme have been kept in the Savings Bank
Account -Single Nodal Account of the PMAY-G. No fund has been
withdrawn from this Bank Account and deposited in the Treasury even
temporarily.

Signature
(full name with designation & official seal)
Authorized signatory of the State Government
Dated:__________

87
 Annexure-III (B)

PRADHAN MANTRI AWAAS YOJANA-GRAMIN (PMAY-G)

PROFORMA FOR SUBMISSION OF PROPOSAL FOR RELEASE OF

SECOND INSTALMENT
(Administrative Funds)

1. YEAR :
2. Name of State :

3. Name of the State claiming 2nd Instalment:

a) Address :
:
:
b) Tele. No. :
c) Fax No.(if any) :
:
d) E-mail address :

4. Central Allocation for the current year :

5. Funds received are as under:

(Amount in Rs. lakh)

Releases Current Year Previous Year

(i.e. …………..) (i.e…………….)

A. Central Release

B. State Release

TOTAL

6. Funds available:

SL. Items Current Year Previous Year (i.e…..)

No. (i.e…..)
1 (a) Carryover funds from the
previous year…..
2 Released under PMAY-G received

88
 by the State
(a) Centre
(i) of Current year (i.e……)
(ii) of previous year (i.e….)
(b) State
(i) of Current year (i.e……)
(ii) of previous year (i.e….)
3 Interest accrued
4 Miscellaneous Receipt, if any
5 Total available funds
6 Expenditure as on date
7 Percentage (%) of expenditure

7. Utilization Certificate for the previous year (...................) is enclosed in the

prescribed Proforma (Form GFR-19A)
8. Audit report of the previous year (...................) with the relevant certificates
duty recorded by the Auditor is enclosed.
9. It is certified that :
i) No major irregularities such as embezzlement, diversion of funds etc.,
have been noticed in the audit report for the previous year in respect
of any implementing agency under Pradhan Mantri Awaas Yojana-
Gramin OR Necessary action has already been initiated to rectify the
defects pointed out in the Audit Report for the previous year and
earlier years and compliance has been sent to the Ministry.
j) Targets of SC/ST/Persons with Disability prescribed by MoRD have
been distributed by the State Governments amongst districts & actual
achievement of physical targets planned during the last year in respect of
aforesaid categories is attached (District-wise report is attached).
k) No issues were raised in the Minutes of Empowered Committee Meeting
OR the the issues raised in the meetings of the Empowered Committee
has been complied with and compliance is attached.
l) No conditions has been put by MoRD relating to release of funds OR the
conditions put by MoRD have been complied with and compliance is
attached.
m) There are no instances of diversion and embezzlement of funds of
PMAY-G.
n) All conditions laid down in the PMAY-G guidelines are being
fulfilled while implementing the scheme.
o) All the funds under the scheme have been kept in the Savings
Bank Account -Single Nodal Account of the PMAY-G. No fund has been
withdrawn from this Bank Account and deposited in the Treasury even
temporarily.
p) The Administrative Fund has been utilised only on permissible heads.

Signature

(full name with designation & official seal)

Authorized signatory of the State Government
Date: _________________

89
 Annexure-IV

PRADHAN MANTRI AWAAS YOJANA –GRAMIN

(UTILIZATION CERTIFICATE) - HOUSING
UTILIZATION CERTIFICATES FOR THE FINANCIAL YEAR______

1. Certificate that a sum of Rs.____________________________lakh

(rupees____________________only) was received by__________________________(Name of
State/UT) as Grants-in-Aid during the year_________________as per details given below, from
the Centreand_________________lakh (rupees____________________________only) from the
State Government. Further, a sum of Rs._______________________lakh
(rupees_______________________only) being the unspent balance of the previous
year_________________________was allowed to be brought forward for utilization during the
current year. The misc. receipts of the Agency during the year was
Rs._________________________lakhs (rupee_________________only).

I. Unspent Balance from Previous Year (………………….)

(i) Funds lying in State Nodal Account (SNA) : Rs. ___________________

II. Funds of the previous year…………….received during this year……………

Rs.____________lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

III. Grants received during the year………………Rs. ………………………………lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

IV. Misc. receipts of the Agency, if any :

V. Interest receipts :
VI. Total Funds Available :
VII. Total Expenditure incurred (as per BES) :
VIII. Closing balance (including uncashed cheques of the current year) :

2. It is certified that out of the above mentioned total funds of Rs. _________________lakh
(rupees_____________________only) available with the State, a sum of Rs.
__________________lakhs (rupees_______________only) has been utilized by State the
year for the purpose for which it was sanctioned. It is further certified that the unspent

90
 balance of Rs. ___________________lakh (rupees_________________________only)
remaining at the end of the financial year would be utilized for the programme next year.
3. Certified that I have satisfied myself that the condition on which Grants-in-Aid was
sanctioned have been duly fulfilled/are being fulfilled and that I have exercised the following
checks to see that the money has been actually utilized for the purpose for which it was
sanctioned.

4. The utilization of the aforesaid fund resulted into the following:-

a. Outcomes :
(i) Target fixed during theyear…………………………………………………
(ii) Number of Houses constructed/ Completed………………………..
(iii) Number of Houses under construction……………………………….
(iv) Number of Houses yet to be taken up………………………………..

b. Physical outcomes (Number of houses allotted to):

Category Female Joint Male Total

SC
ST
Minority
PH
Others

Kinds of checks exercised

(i) The Agency’s Statement of accounts for the year______________________duly audited by

the Charted Accountant have been obtained and sanctioned.
(ii) The Payment has been made to the beneficiaries to his/her registered bank/ core banking
enabled post office accounts through digitally signed FTO.

Encl: copies of sanction order of the State Share issued by the State Government.

Signature-----------------
(full name with official seal)
Authorized signatory of State Government
Date:----------------------

91
 Annexure-V

PRADHAN MANTRI AWAAS YOJANA –GRAMIN

EXPENDITURE STATEMENT FOR THE CURRENT FINANCIAL YEAR______
(HOUSING)

1. Certificate that a sum of Rs.____________________________lakh

(rupees____________________only) was received by__________________________(Name of
State/UT) as Grants-in-Aid during the year_________________as per details given below, from
the Centre and_________________lakh (rupees____________________________only) from the
State Government. Further, a sum of Rs._______________________lakh
(rupees_______________________only) being the unspent balance of the previous
year_________________________was allowed to be brought forward for utilization during the
current year. The misc. receipts of the Agency during the year was
Rs._________________________lakhs (rupee_________________only).

I. Unspent Balance from Previous Year(………………….)

a) Funds lying in State Nodal Account (SNA) : Rs. __________________lakhs

II. Funds of the previous year…………….received during this year……………

Rs.____________lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

III. Grants received during the year………………Rs. ………………………………lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

IV. Misc. receipts of the Agency, if any :

V. Interest receipts :
VI. Total Funds Available :
VII. Total Expenditure incurred (as per BES) :
VIII. Closing balance (including uncashed cheques of the current year) :

2. It is certified that out of the above mentioned total funds of Rs. _________________lakh
(rupees_____________________only) available with the State, a sum of Rs.
__________________lakhs(rupees_______________only) has been utilized by State the year

92
 for the purpopose for which it was sanctioned. It is further certified that the unspent balance of
Rs. ___________________lakh (rupees_________________________only) remaining at the
end of the financial year would be utilized for the programme next year.
3. Certified that I have satisfied myself that the condition on which Grants-in-Aid was
sanctioned have been duly fulfilled/are being fulfilled and that I have exercised the following
checks to see that the money has been actually utilized for the purpose for which it was
sanctioned.
4. The utilization of the aforesaid fund resulted into the following:-
a. Outcomes :
(v) Target fixed during the year…………………………………………………
(vi) Number of Houses constructed/ Completed………………………..
(vii) Number of Houses under construction……………………………….
(viii) Number of Houses yet to be taken up………………………………..

b. Physical outcomes (Number of houses allotted to):

Category Female Joint Male Total

SC
ST
Minority
PH
Others

Kinds of checks exercised

a) The Statement of accounts for the year______________________duly audited by the

Charted Accountant have been obtained and sanctioned.
ii) The Payment has been made to the beneficiaries to his/her registered bank/ core banking
enabled post office accounts through digitally signed FTO.

Encl: copies of sanction order of the State Share issued by the State Government.

Signature-----------------
(full name with official seal)
Authorized signatory of State Government
Date:----------------------

93
 Annexure-VI
(UTILIZATION CERTIFICATE) – ADMINISTRATIVE FUNDS
UTILIZATION CERTIFICATE FOR THE FINANCIAL YEAR______

1. Certificate that a sum of Rs.____________________________lakh

(rupees____________________only) was received by__________________________(Name of
State/UT) as Grants-in-Aid during the year_________________as per details given below, from
the Centreand_________________lakh(rupees____________________________only) from the
State Government. Further, a sum of Rs._______________________lakh
(rupees_______________________only)being the unspent balance of the previous
year_________________________was allowed to be brought forward for utilization during the
current year. The misc. receipts of the Agency during the year was
Rs._________________________lakhs (rupee_________________only).

a. Unspent Balance from Previous Year(………………….)

(i) Funds lying in State Nodal Account (SNA) : Rs. __________________lakhs

(ii) TOTAL : Rs.___________________lakhs

b. Funds of the previous year…………….received during this year……………

Rs.____________lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

c. Grants received during the year………………Rs. ………………………………lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

d. Misc. receipts of the Agency, if any :

e. Interest receipts :
f. Total Funds Available :
g. Total Expenditure incurred :
h. Closing balance :

2. It is certified that out of the above mentioned total funds of Rs. _________________lakh
(rupees_____________________only) available with the State, a sum of Rs.
__________________lakhs(rupees_______________only) has been utilized by State the year
for the purpopose for which it was sanctioned. It is further certified that the unspent balance of

94
 Rs. ___________________lakh (rupees_________________________only) remaining at the
end of the financial year would be utilized for the programme next year.

3. Certified that I have satisfied myself that the condition on which Grants-in-Aid was
sanctioned have been duly fulfilled/are being fulfilled and that I have exercised the following
checks to see that the money has been actually utilized for the purpose for which it was
sanctioned.

Kinds of checks exercised

i) The Statement of accounts for the year______________________duly audited by the

Charted Accountant have been obtained and sanctioned.
ii) The Utilization Certificates and Audit/inspection Reports for the year of the districts have
been obtained and duly scrutinized. It has been ensured that the physical and financial
proformance under PMAY(G) has been according to the requirement as prescribed in the
guidelines issued by Government of India/ State Government.

Encl: copies of sanction order of the State Share issued by the State Government.

Signature-----------------
(full name with official seal)
Authorized signatory of State Government
Date:----------------------

95
 Annexure-VII
PRADHAN MANTRI AWAAS YOJANA-GRAMIN
EXPENDITURE STATEMENT FOR THE CURRENT FINANCIAL
YEAR______(ADMINISTRATIVE FUNDS)

1. Certificate that a sum of Rs.____________________________lakh

(rupees____________________only) was received by__________________________(Name of
State/UT) as Grants-in-Aid during the year_________________as per details given below, from
the Centre and_________________lakh(rupees____________________________only) from the
State Government. Further, a sum of Rs._______________________lakh
(rupees_______________________only) being the unspent balance of the previous
year_________________________was allowed to be brought forward for utilization during the
current year. The misc. receipts of the Agency during the year was
Rs._________________________lakhs (rupee_________________only).

a. Unspent Balance from Previous Year(………………….)

i) Funds lying in State Nodal Account (SNA) : Rs. ________________lakhs

ii) TOTAL : Rs.___________________lakhs
b. Funds of the previous year…………….received during this year……………
Rs.____________lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

c. Grants received during the year………………Rs. ………………………………lakhs

Letter No./ Date Central Govt. State Govt. Total

Total

d. Misc. receipts of the Agency, if any :

e. Interest receipts :
f. Total Funds Available :
g. Total Expenditure incurred :
h. Closing balance :

2. It is certified that out of the above mentioned total funds of Rs. _________________lakh
(rupees_____________________only) available with the State, a sum of Rs.
__________________lakhs(rupees_______________only) has been utilized by State the year
for the purpopose for which it was sanctioned. It is further certified that the unspent balance of

96
 Rs. ___________________lakh (rupees_________________________only) remaining at the
end of the financial year would be utilized for the programme next year.

3. Certified that I have satisfied myself that the condition on which Grants-in-Aid was
sanctioned have been duly fulfilled/are being fulfilled and that I have exercised the following
checks to see that the money has been actually utilized for the purpose for which it was
sanctioned.

Kinds of checks exercised

i) The Statement of accounts for the year______________________duly audited by the

Charted Accountant have been obtained and sanctioned.
ii) The Utilization Certificates and Audit/inspection Reports for the year of the districts have
been obtained and duly scrutinized. It has been ensured that the physical and financial
proformance under PMAY(G) has been according to the requirement as prescribed in the
guidelines issued by Government of India/ State Government.

Encl: copies of sanction order of the State Share issued by the State Government.

Signature-----------------
(full name with official seal)
Authorized signatory of State Government
Date:----------------------

97
 Annexure VIII (A)

Formation of Committee-I for Revision of Framework of implementation of PMAY-G

98
99
 Annexure VIII (B)

Formation of Committee-II for finalisation of Framework of implementation of PMAY-G (2022)

100
101
102
 Annexure IX (A)

Prakriti Hunar Lokvidya – PAHAL and PAHAL Vol. II

The guidelines are already available on website of PMAY-G. Links are as under:-

PAHAL: https://pmayg.nic.in/netiay/Document/Pahal.pdf

PAHAL VOL.II: https://pmayg.nic.in/netiay/Document/Pahal-Volume-II.pdf

103
 Annexure-IX (B)

Procedure to be adopted for dealing with unwilling beneficiary cases

104
105
106
 Annexure-IX (C)

Death of beneficiary under PMAY-G - Procedure for dealing with cases where
PMAY-G beneficiary has died

107
108
109
110
111
 Annexure-IX (D)

Procedure to be adopted for dealing with cases of permanent and temporary

migration of beneficiaries

112
113
 Annexure-IX (E)

Guidelines for construction of demonstration houses

The guidelines are already available on website of PMAY-G. Links are as under:-

https://pmayg.nic.in/netiay/Document/Guidelines-for-Construction-of-Demonstration-
Houses.pdf

Annexure-IX (F)

Guidelines on social Audit under PMAY-G

The guidelines are already available on website of PMAY-G. Links are as under:-

https://pmayg.nic.in/netiay/Document/Guidelines-on-Social-Audit.pdf

Annexure-IX (G)

Guidelines for Rural Mason Training under PMAY-G

The guidelines are already available on website of PMAY-G. Links are as under:-

https://pmayg.nic.in/netiay/Document/Guidelines-on-RMT.pdf

114
 Annexure-IX (H)

Workflow and processes involved in deletion of households from PWL and

remanding cases to Gram Sabha

115
116
117
118
119
120
121
122
123
 Annexure-IX (I)

Guidelines on Muster Roll generation under MGNREGS for PMAY-G beneficiaries

124
125
 Annexure-IX (J)

User Manual For Target Fixing And Sanction Of Houses From Awaas+ Lists Under Pmay-
G

126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
 Annexure-X

Format for submission of undertaking for interest remittance

Government of ________________________________(State / UT)

Department of ________________________________

No.______________ Dated;

UNDERTAKING

It is hereby certified that an amount of Rs. _______ was earned as interest from the funds
received in the Single Nodal Account of the Centrally Sponsored Scheme
_______________________________________(name of scheme) during the financial year
_________. The funds under this CSS are shared between the Centre and the State /UT in
the ration ___:___. Therefore, out of the interest earned during the financial year, an amount
of Rs. _______ has been deposited in the Consolidated Fund of India vide No. _____ dated
___ and an amount of Rs. _____ has been deposited in the Consolidated Fund of the
State/UT.

Name:
Designation:

(To be signed by the Secretary of the

Administrative Department concerned
of the State Government)

142
 Annexure – XI

Penalty Provision/Deduction in Administrative Fund Provided by Government of India due

to delay in activities undertaken in Pradhan Mantri Awaas Yojana - Gramin

143
144
 SCHEDULE

No. Item Unit Assistance Central and State Share

1 (i) Plain areas Rs. 1,20,000 90: 10 for NE & 2 HillHill
States (Himachal Pradesh
& Uttarakhand) and UT of
(ii) NE & Hill States/ difficult Rs. 1,30,000 Jammu & Kashmir
areas including worst LWE
districts and UTs of Jammu 100:00 for remaining UTs
& Kashmir and Ladakh (including UT of Ladakh)

60:40 in other cases

2 Administrative Funds 2% of housing funds out of As in (1) above
which 1.70% released to
States/UTs by Centre.
3 Additional Administrative Additional Rs. 45 lakh 100% to be released by
Funds administrative fund annually Centre
from Central Share of
administrative funds (0.3% out
of total Administrative Fund
of 2%) will be released to each
Smaller State viz. Himachal
Pradesh, Haryana, Goa,
Punjab, Uttarakhand, North
Eastern States except Assam
and Tripura and all UTs
except J&K over and above
the 1.70% administrative
funds release to said States/UT
(from FY 2021-22).

145