PMAY-G Funding Pattern: Centre-State Cost Sharing Ratio Plain Areas

What is the Centre-State funding ratio under PMAY-G for plain area states?

Correct Answer: 60:40

Under Pradhan Mantri Awaas Yojana–Gramin (PMAY-G), the Centre and States share construction costs in the ratio of 60:40 for plain area states — meaning the Central Government bears 60% and the respective State Government contributes the remaining 40%. This differentiated cost-sharing structure reflects India's cooperative federalism model, ensuring that states with weaker fiscal capacity receive proportionally greater Central support for delivering rural social welfare programmes.

PMAY-G Funding Pattern — State-wise Breakup

• Plain area states: Centre : State = 60 : 40
• Northeastern states (NE): Centre : State = 90 : 10
• Himalayan states (Himachal Pradesh, Uttarakhand): Centre : State = 90 : 10
• Union Territory of J&K: Centre : State = 90 : 10
• Other Union Territories (including Ladakh): 100% Central funding

Additional Key Features

• Funds are transferred via Direct Benefit Transfer (DBT) directly into beneficiaries' bank accounts, cutting out middlemen and reducing leakages.
• Each sanctioned house receives a local functionary for construction support and monitoring.
• Convergence with Swachh Bharat Mission–Gramin (SBM-G): beneficiaries receive Rs 12,000 for toilet construction.

Why Other Options Are Wrong

• 50:50 — Equal split does not apply to PMAY-G plain areas; this ratio is used in certain other Centrally Sponsored Schemes.
• 75:25 — No such ratio is prescribed under PMAY-G for any category of states.
• 90:10 — This ratio applies only to Northeastern states, Himalayan states (HP and Uttarakhand), and J&K — not to plain area states.

Plain Area States के लिए PMAY-G के तहत Centre-State Funding Ratio क्या है?

Correct Answer: 60:40

Pradhan Mantri Awaas Yojana–Gramin (PMAY-G) के तहत Plain Area States के लिए Centre और States निर्माण लागत को 60:40 के Ratio में Share करते हैं — Central Government 60% Bear करती है और संबंधित State Government 40% Contribute करती है। यह Differentiated Cost-Sharing Structure India के Cooperative Federalism Approach को दर्शाता है।

PMAY-G Funding Pattern — State-wise Breakup

• Plain Area States: Centre : State = 60 : 40
• Northeastern States (NE): Centre : State = 90 : 10
• Himalayan States (Himachal Pradesh, Uttarakhand): Centre : State = 90 : 10
• Union Territory of J&K: Centre : State = 90 : 10
• Other Union Territories (Ladakh सहित): 100% Central Funding

Additional Key Features

• Funds को Direct Benefit Transfer (DBT) के माध्यम से सीधे Beneficiaries के Bank Accounts में Transfer किया जाता है।
• प्रत्येक Sanctioned House को Construction Support और Monitoring के लिए एक Local Functionary Assign किया जाता है।
• Swachh Bharat Mission–Gramin (SBM-G) के साथ Convergence: Beneficiaries को Toilet Construction के लिए Rs 12,000 मिलते हैं।

Other Options क्यों गलत हैं

• 50:50 — Equal Split PMAY-G के Plain Areas पर Apply नहीं होता; यह Ratio कुछ अन्य Centrally Sponsored Schemes में Use होता है।
• 75:25 — PMAY-G के किसी भी Category के States के लिए ऐसा Ratio Prescribed नहीं है।
• 90:10 — यह Ratio केवल Northeastern States, Himalayan States (HP और Uttarakhand) और J&K पर Apply होता है — Plain Area States पर नहीं।