shine india monthly magazine this article was published in the magazine easy access to credit bring out an attractive loan product with minimum collateral administrative costs and lower interest rates which should be widely circulated among pmay-g beneficiaries in their vernacular language. awareness generation for optimum utilization of the awaas app among the rural populace there is an imperative need to educate people about the operation through imparting training programmes at panchayat levels and create help groups. shine india monthly magazine subscription effective convergence with other schemes removing the gaps and shortcomings by establishing close coordination with the concerned ministries and departments. ensuring timely release of funds from the centre and state government. conclusion reducing rural housing shortage and improving the quality of housing especially for the poor is important for poverty alleviation and inclusive development of the country. currently pmay-g only provides for the construction of new houses. government should explore the possibility of expanding the program to cover the repair or upgradation of existing houses. this could benefit for a greater number of households shine india monthly magazine telugu
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