The scheme was launched in FY 2016-17 by restructuring the Indira Awaas Yojana. Under the current scheme, states set targets for the number of beneficiaries per district. Eligible beneficiaries can register themselves with implementing agencies. A house is sanctioned once eligibility is verified. Next, beneficiaries’ bank accounts are verified, and the entire amount is deposited in instalments in the bank accounts of beneficiaries.
Figure 1 shows aggregate level indicators for Barabanki district from the scheme’s beginning (FY 2016-17) till the end of the FY 2021-22.

Figure 1: An Overview of Beneficiaries from 2016-17 to 2021-22

• Registrations have been more than the number of targets, which likely indicates that either people outside the eligible beneficiaries list also got registered, or there might have been duplications.
• Of the total targets, 99.7% of beneficiaries have had their houses sanctioned.
• Of the total sanctioned houses, 98.9% of houses have been completed.

Targets are set each year by the Centre for the centre and the state levels. States set targets for districts based on housing deprivation and priority lists. Then this number is used to select beneficiaries according to the priority list. Selected beneficiaries then need to register themselves for getting the benefit. 
Figure 2 shows the number of targets, registrations and number of sanctioned beneficiaries. 

Figure 2: Number of Targets and Registrations

• In the last 5 years, the target was missed in 2017-18 and 2019-20 by 76 and 97 units respectively. 
• In the remaining three years, registrations exceeded targets because selected beneficiaries who did not register in previous years, registered later — or as mentioned above — there have been duplicate registrations. In 2020-21 and 2021-22, the gap between targets and registrations was especially large.
• Between 2017-2022, total registrations by beneficiaries exceeded 45,000 compared to the targeted registrations of around 41,000. Ineligible beneficiaries may have registered and or duplication registrations might have occurred.

Beneficiaries are given the total amount in three instalments depending on whether a pre-defined stage of house building has been completed. Out of the number of sanctioned houses and for which instalments have been initiated, not all houses are completed for various reasons. 
Figure 3 shows the number of completed houses of the total number of houses sanctioned in a particular year.

Figure 3: Completed and Incomplete Houses

• The rate of completion was very high (98% -100%) during the last five years.
• In line with the low gap between targets and registrations, the scheme reflects a high rate of completion rate in the district.
• The completion rate of 98% for houses sanctioned in 2021-22 is also very high, compared to other districts, notwithstanding that houses generally take longer than a year to be built.

A district receives funds based on targets, unit assistance and utilisation. Given the nature of expenditure, one house can be built over the course of more than one financial year. 
Figure 4 shows the yearly as well as cumulative availability and fund expenditures under the scheme between 2017 and 2022. 

Figure 4: Available funds and Expenditure Incurred (Rs Crore)

• Since allocation is based on the number of eligible beneficiaries in the district, the trend of allocation is a reflection of year-wise changes in the number of eligible beneficiaries.  
• The period of construction as well as payment of instalments can be spread over more than one financial year. As a result, funds allocation and utilisation during a year and utilisation in each year are not strictly comparable which is generally the case with other schemes.  
• Utilisation of funds in 2017-18 was much higher than the allocated amount. This is most likely owing to utilisation of funds from earlier years. Similarly, unutilised funds of 2020-21 are likely to be spent in subsequent years.

In Barabanki district, beneficiaries receive the amount in three instalments under the PMAY-G scheme.
According to scheme guidelines, the first instalment should be paid within 15 days of being sanctioned. Figure 5 compares the number of registrations and first instalments.

Figure 5: Number of Registrations vs First Instalments

• The number of first instalments paid to beneficiaries during 2017-18, 2018-19 and 2019-20 were higher than the number of registrations, likely indicating that these payments were delayed from earlier years. 
• In the last two years, the number of first instalments paid to beneficiaries was lesser than the number of registrations. Some registered beneficiaries are expected to be paid in the next financial year.
•  During the last two years, of the total 30,031 registrations only 25,679 beneficiaries or approximately 85% received their first instalments, However, according to the data, more than 98% of houses sanctioned in these two years have been completed. This anomaly needs further research.

The ownership of houses under the PMAY-G scheme is reported under three categories – men, women and joint ownership. Figure 6 shows the distribution of houses under these categories. 

Figure 6: Gender-wise distribution of sanctioned vs completed houses 

• In the last five years, houses were nearly equally distributed among the three categories, constituting a share of 33-34%.

Figure 7 shows different rates of house completion. 

Figure 7: Rate of House Completion for Different Categories of House Owners (Percent)

• The completion rate for all three categories during the five-year period was 97%-98%.
• There have been some year-wise fluctuations. Except the ‘joint’ category in 2019-20, the completion rate has been higher than 97%.

Given the importance of the scheme in providing safe and liveable houses for large numbers of people, information about the scheme should be available and easily accessible.

Figure 8 lists various aspects of required data and whether such data is publicly available. Information regarding PMAY-G is available on the scheme MIS which can be accessed at: https://rhreporting.nic.in/netiay/newreport.aspx (Data accessed on 30h August, 2022).
 Transparency and Accountability Index 

Availability of Information and Comprehensiveness

• Information on allocated funds
  • Yes
• Information on received funds
  • Yes
• Information on funds available
  • Yes
• Information on funds utilized
  • Yes
• Information on funds for different components
  • Yes

Accessibility

• Language of availability of information
  • English
• Compatibility on devices
  • Phone, tablet, laptop

Timeliness

• How frequently are data updated
  • Real-Time

Relevance

• Relevance of data
  • Relevant for monitoring purposes.

Reliability

• Reliability of data
  • Comptroller and Auditor General (CAG) of India audit reports are not available on the PMAY-G website. Therefore, authenticating the data with the MIS and matching evidence on the ground is essential. 

Accountability and Citizen’s Participation

• Social Audit schedules
  • No
• Availability of social audit reports
  • No
• Participation of beneficiaries in Gram Sabhas
  • No
• Availability of information on Grievance Redressal Mechanism for beneficiaries
  • Contact details for lodging complaints are listed on the website for every state. Details about the number of complaints, status and action taken are available.