Lok Sabha Question No. 3613 (UNSTARRED), answered on 2024-12-17
Subject: Financial Support for Rural Women
Ministry: RURAL DEVELOPMENT
Asked by: Shri Mansukhbhai Dhanjibhai Vasava

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 3613 ANSWERED ON 17/12/2024

## FINANCIAL SUPPORT FOR RURAL WOMEN

## 3613. SHRI MANSUKHBHAI DHANJIBHAI VASAVA:

Will the Minister of RURAL DEVELOPMENTbe pleased to state:

- (a) whether the Government has any schemes for empowerment of women by providing  them  loan  to  build  houses  or  start  their own business in rural areas;
- (b)
- if so, the details thereof;
- (c) whether  the  Government  has  any  estimate  of  the  number  of women to be benefitted thereby; and
- (d) if so, the details thereof?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (DR. CHANDRA SEKHAR PEMMASANI)

(a) to (d): The Ministry of Rural Development (MoRD) is engaged in the implementation of several flagship programs of the Government of India -the Pradhan MantriAwaasYojanaGramin (PMAY-G), DeendayalAntyodayaYojanaNational Rural Livelihoods Mission (DAY-NRLM), Pradhan Mantri Gram SadakYojana (PMGSY), Mahatma Gandhi  National  Rural  Employment  Guarantee  Act  (MGNREGA), DeenDayalUpadhyayGrameenKaushalyaYojana  (DDU-GKY)  and  the National Social Assistance Program (NSAP) etc. All the programmes of the MoRD are focussed on Women empowerment.

Pradhan MantriAwaasYojana- Gramin (PMAY-G):

In  order  to  achieve  the  target  of  'Housing  for  All'  in  rural areas, the Ministry of Rural Development is implementing Pradhan MantriAwaasYojana-  Gramin  (PMAY-G)  with  effect  from  1st  April 2016  to  provide  assistance  to  eligible  rural  households  with  the cumulative target to construct 4.95 crorepucca houses with basic

amenities by March 2029. A total target of 3.33 crore houses has been allotted to the States/UTs and out of which 3.22 crore houses have been sanctioned and more than 2.68 crore houses have been completed.

The PMAY-G guidelines provide sanctioning of the house in the names of women, or jointly with their husbands, except for cases involving widows, separated, unmarried, or transgender individuals. Further, in order to ensure empowerment of women, an advisory has been  issued  stating  that  all  the  houses  under  PMAY-G  should include  names  of  women  members  of  the  household  in  sanction details/ownership  details  (either  solely  or  in  joint  ownership)  and that the female member(s) may be added as secondary owner in the sanction letters where the initial sanction has already been given in the  name  of  the  male  member.  Against  the  overall  completion  of 2.68 crore houses as on 13 th  December 2024, 72,65,822 completed houses are solely in the name of women and 1,22,47,493 jointly in the  name  of  wife  and  husband  i.e.  1,95,13,315  (73%)  of  the  total completed houses under PMAY-G. Further, women beneficiaries of PMAY-G are associated with Self Help Groups (SHG) for livelihood and employment opportunities.

DeendayalAntyodayaYojana  -  National  Rural  Livelihoods  Mission (DAY-NRLM):

The  DAY-NRLM  assists  Self-Help  Groups  (SHGs)  in  obtaining loans from Banks. Members of these SHGs utilize such loans for a variety  of  purposes,  including  the  promotion  of  their  businesses. Since the inception of this Mission, a total of 9.74 lakh crore in bank loans  has  been  disbursed  to  women-led  SHGs.  Further,  the  DAYNRLM has mobilized  10.05  Crore  rural  households  into  90.87  lakh SHGs in the country.

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