The scheme was launched in FY 2016-17 by restructuring the Indira Awaas Yojana. Under the
scheme, states determine targets according to the number of beneficiaries in the district.
Eligible beneficiaries based on the housing deprivation list and priority list can register
themselves with implementing agencies. Once their eligibility is verified, a house is sanctioned
and the entire amount is deposited in instalments in the bank account of beneficiaries.

Figure 1: Overview of Beneficiaries from FY 2016-2017 till of FY 2021-22

• There is a gap of 174 between targets and sanctions indicating a registration rate of
  nearly 99%.
• All those who have registered have been sanctioned houses.
• 37 people whose accounts were not verified have received the first instalment. This
  needs to be checked further. This could be a data error since it is very unlikely that
  instalments were disbursed without account verification.
• Of the total number of sanctioned houses, 91% have been completed.
• 601 houses were completed without the fourth instalment.

Figure 2: Number of Targets and Registrations

• In the five-year period during 2017-2022, targets were missed in 2018-19, 2019-20 and
  2021-22 by 17, 56 and 102 respectively.
• In 2017-18 and 2020-21, registrations exceeded targets since beneficiaries who did not
  previously register might have completed their registrations in these years.
• In 2021-22, the number of registrations was zero while the target was 102.

Beneficiaries receive the total amount in four instalments depending on the completion of a pre-
defined stage of house building. Of all the sanctioned houses for which instalments have been
initiated, not all houses are completed for various reasons. Figure 3 shows the number of
houses completed in a particular year out of the total number of sanctioned houses.

Figure 3: Completed and Incomplete Houses

• The rate of completion has been fluctuating during the five-year period (2017-2022).
• For 2021-22, the completion rate and number of sanctions are zero because no new
  beneficiaries were sanctioned that year.

A district receives funds based on targets, unit assistance and utilisation. Given the nature of
expenditure, one house can be built over more than one financial year. Figure 4 shows the
yearly and cumulative availability and funding expenditure under the scheme for these five
years.

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

• Funds for the scheme are allocated based on the target number of houses to be built at
  the unit cost of Rs 1.3 lakh.
• In the last five years, allocations have witnessed a declining trend likely indicating that
  the number of beneficiaries has been exhausted in the district or the beneficiaries are
  lower rank in the priority list.
• The duration for building a house is stipulated as 12 months according to the scheme
  guidelines. However, there may be delays. Also, the construction period and
  disbursement of instalments might be spread over more than one financial year. As a
  result, allocation and utilisation of funds during a year are not strictly comparable.
  However, utilisation over time shows a declining trend.
• Funds allocated from 2017-18 until 2019-20 are likely to have been spent. Work is still
  in progress for 2020-21 and 2021-22; actual utilisation will be known after a year or
  two.
• The gap between utilisation and allocation was the highest in 2018-19 and 2019-20,
  after which utilisation has picked up.

In Gajapati district, the entire amount is paid in four instalments – Rs 20000, Rs 35000, Rs
45000 and Rs 30000. There may be a fifth instalment of Rs 12,000 for toilet building under
Swachh Bharat Mission-Gramin for eligible beneficiaries.
According to scheme guidelines, once sanctioned, the first instalment should be paid within 15
days. Figure 5 compares the number of registrations and first instalments.

Figure 5: Number of Registrations vs First Instalments

• In 2017-18, 2018-19, 2020-21 and 2021-22, the number of first instalments disbursed
  was higher than the number of registrations, likely indicating that these payments were
  delayed from earlier years.
• In 2019-20, the number of first instalments paid was lesser than the number of
  registrations by 118. These beneficiaries were likely paid in the next financial year
  because in 2020-21, the number of disbursed first instalments was greater than number
  of registrations by 153.

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

Figure 6: Gender-wise distribution of sanctioned vs completed houses (between 2017-18 and 2021-22)

• In these four years, 61% of sanctioned houses sanctioned are owned by men, 28% are
  owned by women, and the remaining 11% are jointly owned.

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

• The completion rates for all three categories were more or less similar.
• The low level of completion in the last two years (except for women) indicates that many
  houses may still be in the process of being constructed.

Given the scheme’s importance in providing a safe and liveable house for a large number 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 30 h August, 2022).

 Transparency and Accountability Index for PMAY in Gajapati

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.