Gram Panchayat Skim In Maharashtra

[Trine Gritz]

MumbaiThe Marathwada region is the worst drought-hit region of the state, the cabinet was told on Friday as it met under CM Eknath Shinde for its weekly meeting. The rains received and water levels in reservoirs are lowest in Marathwada compared to other parts of the state, a senior CMO official said.

Till October 31, the state has received 86 percent of the average rainfall (928.8 mm), while Rabi crops are expected to sow over 58.76 lakh hectares of land of which only 28 percent sowings have been completed. However, the reservoirs in Marathwada have least water stock available in them which measures to around 40 percent of its installed capacity, the CMO official added. The Rabi sowings have been adversely affected due to lack of moisture in the land, the cabinet was told.

Apart from reviewing the drought situation in the state, the cabinet also cleared the Sawanga barrage at Manglurpir of Washim district. This will help irrigate 1345 hectare area in the drought-prone Marathwada region, the CMO officials said.

In yet another pro-farmer action, the state has started distributing advance installments under the PM crop insurance scheme. In all 47.63 lakh applications for Rs 1954 have been cleared of which Rs 965 crore have already been distributed, the cabinet was told. In the first stage the notification mentioned 24 districts with worst monsoon performance of which the insurance companies don't have any dispute about conditions in 12 districts while they have partial queries in 9 districts, the cabinet was told.

A total of 1.70 crore farmers had registered under the scheme and they will be given a total of Rs 8,016 crore towards insurance. The first installment of Rs 3,050.19 crore has been released, the cabinet was told.

In another major decision for the rural areas, the state cabinet on Friday expanded the Balasaheb Thackeray Smriti Matoshree Gram Panchayat Scheme meant for building Gram Panchayat buildings. The scheme has been extended to 2027-28 now and more funds too have been allocated. Hence, those eligible for grants of Rs 15 lakh will now get Rs 20 lakh and those eligible for Rs 18 lakh will now get Rs 25 lakh. The condition of self funds too has been done away with. Moreover, additional funds will be made available through other schemes of the state government or, the finance commission funds or the district rural development fund or the local development funds (MPLDS or MLALDS) etc.

The scheme was initiated in 2019-20 to help 4,252 Gram Panchayats that didn't have their own office. However, only 1748 gram panchayats were able to build their own offices under this scheme. Hence the state cabinet extended it today.

As of November, 2021, over 2.77 crore houses remain eligible for allocation under the PMAY-G, and the ministry had only given target of 50.99 lakh houses to states/UTs. In the meanwhile, there is still no resolution to the bottleneck of identifying the right beneficiaries under the scheme. The gram panchayat, despite its flaws, biases and prejudices, gets to have a say in the identification process.

Accompanying the inflationary concerns are the numerous challenges faced by those from the economically disadvantaged sections when it comes to accessing formal credit from banking channels. Given the predicament that an overwhelming majority of the beneficiaries of the scheme find themselves in, the committee had recommended for an increase in unit assistance on the basis of the present-day price index.

In rural areas, people work hard their entire lives to acquire a home. The Grampanchayat home loan programme offered by several banks and non-banking cooperatives helps rural inhabitants in such a position to buy their dream homes.

I have discovered that Lekha Mudra will arrange rural housing finance for you with the home loan that is best suited to meet your needs based on the agricultural land you own and the crops you farm. The major gram panchayat loan scheme of Lekha Mudra is that they offer concessional rates of interest to the women beneficiaries.

At first, only Gramin Co-operatives offered quick loans to rural residents, but as time went on, other banks and NBFCs from urban regions started to express a lot of interest. I would like to conclude here about the Grampanchayat home loan. I hope this helps:)

Whether rural or urban, everyone wants to have a home of their own. I would have not known anything if our maid had not spoken about gram panchayat home loan with my mother. The government has initiated several home loan facilities so that people can opt for building a house easily irrespective of how financially weak they are. Several banks and non-banking cooperatives have come forward to help these people and avail home loans easily. Our maid at last was sanctioned a home loan and I was also intrigued enough to know the list of banks from which the people from rural areas get home loans and would like to share as much information as possible with you all.

Every bank has a set of rules and regulations and even eligibility criteria. I am not aware of the eligibility criteria for every bank but I can tell you about the requirements that the SBI Gram Niwas ask for

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