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Pradhan Mantri Adarsh Gram Yojana (PMAGY) is a rural development programme launched by the central government in India in the financial year 2009–10 for the development of villages having a higher ratio (over 50%) of people belonging to the scheduled castes through convergence of central and state schemes and allocating financial funding on a per village basis.
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If any member of the family is earning more than 15,000 rupees per month. Those who are paying income tax are also not included in Pradhan Mantri Gramin Awas Yojana. Professional tax payers also excluded from Pradhan Mantri Gramin Awas Yojana. Those who owns a landline phone are also not covered under Pradhan Mantri Gramin Awas Yojana.
The features of Pradhan Mantri Awas Yojana are that the government will provide an interest subsidy of 6.5% (for EWS and LIG), 4% for MIG-I and 3% for MIG-II [11] [12] on housing loans availed by the beneficiaries for a period of 20 years under credit link subsidy scheme (CLSS) from the start of a loan.