1.1 crore Houses approved under PMAY(U) so far

Pradhan Mantri Awas Yojana

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Pradhan Mantri Awas Yojana

In News:

  • The Central Sanctioning and Monitoring Committee (CSMC) under Pradhan Mantri Awas Yojana (Urban) has sanctioned the construction of 1.68 lakh new houses under the scheme. 

News Summary:

  • 14 States/UTs participated in the 52nd Meeting of the Central Sanctioning and Monitoring Committee (CSMC) under PMAY (Urban).
  • After the meeting, construction of 1.68 lakh new houses has been sanctioned under the scheme. 
  • These houses are proposed to be constructed across the verticals of:
    1. Beneficiary Led Construction
    2. Affordable Housing in Partnership
    3. In-Situ Slum Redevelopment

PMAY (Urban) stats:

  • 1.1 crore Houses approved under PMAY(U) so far.
    • Construction of 41 Lakh houses has been completed.
    • More than 70 Lakh houses are in various stages of construction.

About: Pradhan Mantri Awas Yojana- Urban (PMAY-U)

  • Pradhan Mantri Awas Yojana (Urban) is a flagship mission launched in 2015.
  • Objective
    1. Its objective is to provide housing for all in urban areas by year 2022, when India completes 75 years of its Independence.
    2. All houses under PMAY(U) have basic amenities like toilet, water supply, electricity and kitchen.
    3. A PMAY(U) house ensures dignified living along with sense of security and pride of ownership to the beneficiaries.

Features:
  • The Mission promotes women empowerment by providing the ownership of houses in name of female member or in joint name.
  • Preference is also given to differently-abled persons, senior citizens, SCs, STs, OBCs, Minority, single women, transgender and other weaker & vulnerable sections of the society.
  • The houses under the mission should be designed and constructed to meet the requirements of structural safety against earthquake, flood, cyclone, landslides etc. conforming to the National Building Code and other relevant Bureau of Indian Standards (BIS) codes.

Implementing Agencies:
  • It is being implemented by Ministry of Housing and Urban Affairs (MoHUA).
  • State Level Nodal Agencies (SLNAs), Urban Local Bodies (ULBs)/ Implementing Agencies (IAs), Central Nodal Agencies (CNAs) and Primary Lending Institutions (PLIs) are main stakeholders who play an important role in implementation and success of PMAY(U).
  • The Mission provides Central Assistance to the implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all eligible families/ beneficiaries.

Coverage:
  • The Mission covers the entire urban area consisting of Statutory Towns, Notified Planning Areas, Development Authorities, Special Area Development Authorities, Industrial Development Authorities or any such authority under State legislation which is entrusted with the functions of urban planning & regulations.

Beneficiaries:
  • The Mission addresses urban housing shortage among the EWS, LIG and MIG categories, including the slum dwellers, by ensuring a pucca house to all eligible urban households by the year 2022.
    • Beneficiaries include Economically weaker section (EWS), Low-income groups (LIGs) and Middle Income Groups (MIGs).
    • The annual income cap is up to Rs 3 lakh for EWS, Rs 3-6 lakh for LIG and Rs 6 -18 lakhs for MIG.
  • EWS category of beneficiaries is eligible for assistance in all four verticals of the Mission (see below).
  • The LIG and MIG categories are eligible under only Credit linked subsidy scheme (CLSS) component of the Mission.
  • The beneficiary family should not own a pucca house either in his/her name or in the name of any member of his/her family in any part of India to be eligible to receive central assistance under the mission.
    • A beneficiary family will comprise husband, wife, unmarried sons and/or unmarried daughters.

Approach Adopted:
  • PMAY(U) adopts a demand driven approach wherein the housing shortage is decided based on demand assessment by States/UTs.
  • PMAY(U) adopts a cafeteria approach to suit the needs of individuals based on the geographical conditions, topography, economic conditions, availability of land, infrastructure etc.
  • The scheme has hence, been divided into four verticals or components.

Components of PMAY (U):
  • In-Situ Slum Redevelopment (ISSR)
    • Slum Redevelopment Central Assistance of Rs. 1 lakh per house is admissible for all houses built for eligible slum dwellers under the component of ISSR using land as resource with participation of private developers.
    • After redevelopment, de-notification of slums by State/UT Government is recommended under the guidelines.
  • Credit Linked Subsidy Scheme (CLSS)
    • Beneficiaries of Economically Weaker Section (EWS)/Low Income Group (LIG), Middle Income Group (MIG)-I and Middle Income Group (MIG)-II seeking housing loans are eligible for an interest subsidy under this scheme.
    • The Ministry has designated Housing and Urban Development Corporation (HUDCO), National Housing Bank (NHB) and State Bank of India (SBI) as Central Nodal Agencies (CNAs) to channelize this subsidy to the beneficiaries through lending institutions and for monitoring the progress.
    • The scheme for MIG category has been extended upto 31st March 2021.
  • Affordable Housing in Partnership (AHP)
    • Under AHP, Central Assistance of Rs. 1.5 Lakh per EWS house is provided by the Government of India.
    • An affordable housing project can be a mix of houses for different categories but it will be eligible for Central Assistance, if at least 35% of the houses in the project are for EWS category.
  • Beneficiary-led Individual House Construction/ Enhancement (BLC-N/ BLC-E)
    • Central Assistance upto Rs. 1.5 lakh per EWS house is provided to eligible families belonging to EWS categories for individual house construction/ enhancement.

Funding:
  • It is implemented as Centrally Sponsored Scheme (CSS) except for the component of credit linked subsidy which will be implemented as a Central Sector Scheme.

Also Read: Governance Bytes: (PMJAY)

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