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Guide to Housing & Shelter Schemes

The dream of "Housing for All" is supported by various government subsidies like PMAY (Pradhan Mantri Awas Yojana). These schemes provide financial assistance for building new homes or renovating existing ones, particularly in rural and urban-poor areas. Understanding the interest subvention and credit-linked subsidies is key to successfully claiming these benefits.

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Charmashilpa Scheme

📂 Housing & Shelter

Total Financial Assistance: ₹10,00,000/- per unit. ₹5,00,000/- as subsidy. ₹5,00,000/- as a bank loan.  Breakdown of costs: ₹3,50,000/- for machinery. ₹6,00,000/- for working capital...

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Financial Assistance for Marriage (BBOCWWB)

📂 Housing & Shelter

Under this scheme, registered male or female workers receive financial assistance of ₹50,000/- for the marriage of their two adult daughters and for the marriage of the female member herself.

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Vocational Training to the Dependents

📂 Housing & Shelter

Cost of training to each trainee ₹15,000/-. Free boarding and lodging for trainees. Placement-linked training, ensuring better job prospects.

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Assistance for Funeral Rites

📂 Housing & Shelter

Financial Assistance: ₹500/- for funeral expenses.

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Loans and Advances for Construction of a House

📂 Housing & Shelter

Financial assistance for house construction for building workers: Unskilled Labour: ₹1,00,000/-. Simi-Skilled Labour: ₹1,50,000/-. Skilled Labour: ₹2,00,000/-.  Rate of Interest: Simple...

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Organizing Block Demonstration on Polythene Mulch Technology in Groundnut

📂 Housing & Shelter

Financial Assistance: An assistance of ₹4,000/- towards the cost of inputs to organize the demonstration and ₹4,000/- to cover the land with Polythene sheet per hectare will be provided.

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Production Of Certified Seeds

📂 Housing & Shelter

Financial Assistance: A subsidy of ₹,1000/- per quintal.

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District Central Cooperative Banks and through its Branches: For Consumer Durables T.V., Fridge and Two Wheelers Loan

📂 Housing & Shelter

Access to Loan: 75% of the cost of consumer durables. Interest Rate: 14% (subject to change).

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Indira Gandhi National Widow Pension Scheme (Maharashtra)

📂 Housing & Shelter

A pension of ₹1500 per month is given to each beneficiary. NOTE: ₹300/- per month from the central government and ₹1200/- per month under the state-sponsored Sanjay Gandhi Niradhar Anudan...

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Children Education Allowance

📂 Housing & Shelter

Financial assistance of ₹500/- per child, per month, for up to two children.

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District Central Cooperative Banks and through its Branches: For Housing, House Construction, Repair Extension Loan

📂 Housing & Shelter

Access to Loan: Up to ₹10,00,000/-. Interest Rate: 12% (subject to change).

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Schooling Education (JKBOCWWB)

📂 Housing & Shelter

For the students in Class Nursery/1st to 5th: ₹2,500/- in education benefits. For the students in Class 6th to 8th: ₹3,500/- in education benefits.

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Construction of Free Houses for Tribals

📂 Housing & Shelter

Housing Infrastructure: Free house construction for eligible tribal people.

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Educational Assistance to the Children Studying in 1st to 7th and 8th to 10th Class

📂 Housing & Shelter

Financial Assistance: 1st to 7th Class: ₹2,500/- 8th to 10th Class: ₹5,000/-

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Marriage Assistance (JKBOCWWB)

📂 Housing & Shelter

Marriage Assistance of ₹25,000/- is provided to a registered construction worker for the marriage of their dependent (sons, daughters, siblings, or themselves). NOTE: Up to three marriages can be...

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Savitribai Phule Self-Help Scheme

📂 Housing & Shelter

Margin Money Assistance: Provides financial support covering 50% of the project cost, up to a maximum of ₹15,000/-.

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Atal Graha Jyoti Yojana

📂 Housing & Shelter

Reduced Electricity Bills: Consumers with a monthly consumption of up to 150 units receive a subsidized bill, minimizing their energy expenses. Note: The benefit is automatically applied through the...

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Indira Gandhi National Disabled Pension Scheme (Madhya Pradesh)

📂 Housing & Shelter

The beneficiary will receive a monthly pension of ₹600/-.

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District Central Cooperative Banks and through its Branches: For Women Entrepreneurs

📂 Housing & Shelter

Access to Loan: Up to ₹5,00,000/-. Interest Rate: 12% (subject to change).

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Mahila Samridhi Yojana (Maharashtra)

📂 Housing & Shelter

Loan ranging from ₹25,000/- to ₹50,000/- is provided at a low interest rate of 4% per annum.

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