Evaluation of Governance Parameters of Pradhan Mantri Awaas Yojana-Gramin (PMAY-G)

The survey findings suggest that the quality of PMAY-G houses have certainly improved in terms of pucca roofs, deployment of better construction material, larger area, and ventilation. Most of the PMAY-G households were found to be satisfied with the quantum of unit assistance provided for construction of the house as well as the quality of the house. However, it was observed that there is some discrepancy in terms of completed houses shown in the AwaasSoft and the status of houses at the ground level. It appears that to achieve the targets set for the ground level officials, some of the incomplete houses shown as complete, indicating an over-reporting of physical progress. Some of these houses were observed without flooring, plastering, doors, windows, and paint as well. A few houses were also observed with cracks post completion of the PMAY-G construction, suggesting some compromise on the quality of construction. The survey suggests that the introduction of Direct Benefit Transfer (DBT) in the programme has improved the financial inclusion in rural areas. There has been an increase in the use of banking services among the PMAY-G households through the usage of ATM cards and withdrawal slips during the construction period and post-construction as compared to the pre-construction period. There has also been substantial use of services provided by the Kiosk centres and banking correspondents in the absence of bank branches.