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{{Use dmy dates|date=December 2015}} | |||
{{Use Indian English|date=December 2015}} | |||
{{multiple issues| | |||
{{confusing|date=September 2015|reason=}} | |||
{{more citations needed|date=September 2015}} | |||
{{Update|date=October 2018}} | |||
}} | |||
{{Infobox project | |||
| name = Pradhan Mantri Awas Yojana (Urban) | |||
| country = India | |||
| primeminister = [[Narendra Modi]] | |||
| ministry = [[Ministry of Housing and Urban Poverty Allevation]] | |||
| key_people = [[Hardeep Singh Puri]] | |||
| launched = {{Start date and age|2015|06|25|df=y}} | |||
| current_status = Active | |||
| website = https://pmaymis.gov.in/ | |||
}} | |||
== | '''Pradhan Mantri Awas Yojana''' ('''PMAY''') is an initiative by the [[Government of India]] in which affordable housing will be provided to the urban poor with a target of building 2 [[crore]] (20 million) affordable houses by 31 March 2022.<ref name=house3/><ref name=house4/> It has two components: '''Pradhan Mantri Awas Yojana''' '''(Urban)''' ('''PMAY-U''') for the urban poor and [[Pradhan Mantri Gramin Awaas Yojana|Pradhan Mantri Awaas Yojana (Gramin)]]<ref>{{Cite journal|last1=Chauhan|first1=ArbindKumar|last2=Chaudhary|first2=Shiv|last3=Kumar|first3=Shivkumar Chauhan|date=2019|title=Do noise stress impact to addiction?|journal= Indian Journal of Health Sciences and Biomedical Research KLEU|volume=12|issue=1|pages=3|doi=10.4103/kleuhsj.kleuhsj_170_18|issn=2542-6214|doi-access=free}}</ref> ('''PMAY-G''' and also '''PMAY-R''') for the rural poor.<ref name=house2/><ref name=house10>[http://www.thehindubusinessline.com/opinion/columns/slate/all-you-wanted-to-know-about-pradhan-mantri-awas-yojana/article9497824.ece All you wanted to know about Pradhan Mantri Awas Yojana], Business Standard, Feb 2017.</ref> This scheme is converged with other schemes to ensure houses have a [[Swachh Bharat Abhiyan|toilet]], Saubhagya Yojana electricity connection, [[Pradhan Mantri Ujjwala Yojana|Ujjwala Yojana]] [[Liquefied petroleum gas|LPG]] connection, access to [[Water resources in India|drinking water]] and [[Pradhan Mantri Jan Dhan Yojana|Jan Dhan]] banking facilities, etc.<ref name=house9>[https://economictimes.indiatimes.com/wealth/personal-finance-news/10-lakh-homes-built-under-pradhan-mantri-awas-yojana-gramin-government/articleshow/61875599.cms 10 lakh homes built under Pradhan Mantri Awas Yojana (Gramin): Government], [[The Economic Times|Economic Times]], 1 Dec 2017.</ref> Total 1 crore homes are approved against total demand of 1.12 crore as of 28 December 2019.<ref>{{citation |title=HUA launches 'Angikaar campaign', to bring PMAY(U) beneficiaries into Ujjawala, Ayushman Bharat fold|url=https://economictimes.indiatimes.com/news/economy/policy/hua-launches-angikaar-campaign-to-bring-pmayu-beneficiaries-into-ujjawala-ayushman-bharat-fold/articleshow/70897173.cms|newspaper=[[The Economic Times]] |date= 29 Aug 2019}}</ref> | ||
{{ | |||
[[Category:India]] | ==History== | ||
{{see also|Indian states ranking by families owning house}} | |||
Public housing programme in India started with the rehabilitation of refugees immediately after [[Independence Day (India)|independence]]. Till 1960, nearly five [[lakh]] families were provided houses in different parts of [[North India|Northern India]]. In 1957, within the ambit of the second [[Five-Year Plans of India|five-year plan]] of [[Prime Minister of India|Prime Minister]] [[Jawaharlal Nehru|Nehru]], Village Housing Programme (VHP) was introduced providing loans to individuals and cooperatives of up to ₹5,000 per unit. Only 67,000 houses could be constructed in this scheme till end of the fifty Five Year Plan (1974-1979). Another scheme introduced in the fourth called House Sites-cum-Construction Assistance Scheme (HSCAS) was also transferred to the State Sector from 1974 to 1975.<ref>{{Cite web|url=https://pmayg.nic.in/netiay/IAY%20revised%20guidelines%20july%202013.pdf|title=Indira Awas Yojana - Histrory|date=2013|website=pmayg.nic.in}}</ref> | |||
With the launch of Indira Awas Yojana (IAY) by the then Prime Minister [[Rajiv Gandhi]] in 1985, the public housing programme in India got a boost. IAY was launched as a rural housing programme targeting [[Scheduled Castes and Scheduled Tribes|SC/ST]] and Minority population. The programme was gradually extended to cover all [[Below Poverty Line]] (BPL) population.<ref>{{Cite web|url=http://megcnrd.gov.in/forms/IAY.pdf|title=Indira Awas Yojana - Guidelines|website=megcnrd.gov.in}}</ref> | |||
As a part of the continuous efforts of the Indian Government to fulfill the housing needs of rural and urban poor, Pradhan Mantri Awaas Yojana was launched by Prime Minister [[Narendra Modi]] in June 2015 with an aim to provide affordable housing .<ref name="etmay16">{{citation |title=Urban houses under PM Awas Yojana must belong |url=http://economictimes.com/news/economy/policy/urban-houses-under-pm-awas-yojana-must-belong-to-women-venkaiah-naidu/articleshow/52509219.cms |newspaper=[[The Economic Times]] |date=30 May 2016 }}</ref><ref>{{citation |title=Modi government to rename new-look Indira Awaas Yojana to Pradhan Mantri Awaas Yojana |url=http://articles.economictimes.indiatimes.com/2015-12-29/news/69379499_1_indira-awaas-yojana-jan-dhan-yojana-iay-scheme |work=[[The Economic Times]] |date=29 December 2015 }}</ref> | |||
Under PMAY, it is proposed to build 2 [[crore]] houses for urban poor including [[Economically Weaker Sections]] and [[Low Income Groups]] in urban areas by the year 2022 through a financial assistance of {{INRConvert|2|lc|lk=on}} from the central government.<ref name=house2>{{citation |title=Over 300 cities identified for 'Housing for All' scheme |url=http://www.businesstoday.in/current/economy-politics/housing-for-all-scheme-over-300-cities-identified/story/223238.html |work=[[Business Today (business magazine)|Business Today]] |date=31 August 2015 }}</ref><ref name=house3>{{citation |title=Housing for All scheme gets govt nod: All you need to know |url=http://www.businesstoday.in/current/economy-politics/housing-for-all-scheme-gets-govt-nod-all-you-need-to-know/story/220739.html |work=[[Business Today (business magazine)|Business Today]] |date=15 September 2015 }}</ref><ref name=house4>{{citation |title=305 Cities Identified Under 'Housing for All' Scheme |url=http://www.ndtv.com/india-news/305-cities-identified-under-housing-for-all-scheme-1212417 |work=[[NDTV]] |date=30 August 2015 }}</ref> Under the Pradhan Mantri Awas Yojana, a subsidy of ₹2.67 lakh is provided by the government on the interest of home loan for buying a house. The Uttar Pradesh Housing Development Council will provide houses at affordable rates under the Pradhan Mantri Awas Yojana. Applications have been sought under this scheme for about 3,516 houses in [[Uttar Pradesh]]. The booking for which starts from 1 September 2020 and the last date of booking is 15 October 2020. These houses are located in 19 cities of the state of Uttar Pradesh. People from poor families will be able to buy these houses for only ₹3.5 lakh. All those people whose annual income is less than ₹3 lakh are eligible to apply for these houses. The Uttar Pradesh Housing Development Council had earlier kept the repayment time of the house up to 5 years, which has been changed to 3 years. | |||
==The scheme== | |||
The features of Pradhan Mantri Awas Yojana are that the government will provide an interest subsidy of 6.5% (for EWS and LIG), 4% for MIG-I and 3% for MIG-II<ref>RBI Bulletin dated 10 Jan 2018 https://www.rbi.org.in/Scripts/BS_ViewBulletin.aspx?Id=17314, https://www.rbi.org.in/</ref><ref name="Business Insider India">{{citation |title=What is the eligibility for Pradhan Mantri Awas Yojana scheme?|url=https://www.businessinsider.in/what-is-the-eligibility-for-pradhan-mantri-awas-yojana-scheme/articleshow/70669185.cms|work=[[Business Insider India]] |date= 14 Aug 2019}}</ref> on housing loans availed by the beneficiaries for a period of 20 years under credit link subsidy scheme (CLSS) from the start of a loan. The houses under Pradhan Mantri Awas Yojana would be constructed through a technology that is eco-friendly, while allotting ground floors in any housing scheme under PMAY, preference will be given to differently abled and older persons. | |||
===Finance=== | |||
The government has approved an investment of {{INRConvert|43922|c}} for construction of 6,83,724 houses for urban poor including central assistance commitment of {{INRConvert|10050|c}} by April 2016.<ref name=etmay16/> | |||
===Eligibility criteria=== | |||
Condition for PMAY: (a) Beneficiary max age 70 years, (b) EWS (Economic Weaker Section) family income limit is ₹3 lakhs per annum and for LIG (Lower Income Group) Family Income limit is ₹6 Lakhs per annum,<ref>RBI Notifications (Updated as on June 18, 2019) https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11604&Mode=0</ref> and Middle Income Group -(MIG-I) income between ₹6 lakhs to ₹12 lakhs per annum, (MIG-II) income between ₹12 lakhs to ₹18 lakhs per annum <ref>RBI Bulletin on Affordable Housing in India dated 10 Jan 2018 https://www.rbi.org.in/Scripts/BS_ViewBulletin.aspx?Id=17314</ref><ref name="Business Insider India"/> c) The beneficiary should not have an own dwelling unit on the name of any family member in any part of India.<ref name=house10/> d)The loan applicant should not have availed any central/state government subsidy or benefit for buying a home under the PMAY scheme. e)Currently, the loan applicant should not own any property under their name and along with any of the family members (including the dependents). f)The home renovation or improvement loans, self-construction loans will be allocated only for EWS and LIG categories.<ref>https://www.apnaloan.com/home-loan/pradhan-mantri-awas-yojana/</ref> | |||
The houses given under this scheme will be owned by females or jointly with males.<ref name=etmay16/> | |||
===Phases=== | |||
3 Phases of PMAY envisage starting and completing the house construction work as follows: | |||
* '''PMAY Phase-1''' from April 2015 to March 2017 to cover 100 cities. | |||
* '''PMAY Phase-2''' from April 2017 to March 2019 to cover additional 200 cities. | |||
* '''PMAY Phase-3''' from April 2019 to March 2022 to cover the remaining cities. | |||
===States and cities covered=== | |||
As of 25 April 2016, the government has identified 2,508 cities and towns in 26 states for beginning construction of houses for urban poor.<ref name=house8>{{citation |title=Pradhan Mantri Awas Yojana: 2,508 cities selected under Modi's scheme for affordable housing |url=http://www.financialexpress.com/article/economy/pradhan-mantri-awas-yojana-2508-cities-selected-under-modis-scheme-for-affordable-housing/248336 |work=[[The Financial Express (India)|The Financial Express]] |date=4 May 2016 |access-date=31 May 2016 |archive-url=https://web.archive.org/web/20160518184524/http://www.financialexpress.com/article/economy/pradhan-mantri-awas-yojana-2508-cities-selected-under-modis-scheme-for-affordable-housing/248336/ |archive-date=18 May 2016 |url-status=dead }}</ref> Construction of 1,86,777 additional houses for the benefit of urban poor with an investment of ₹11,169 cr with central assistance of ₹2,797 cr was approved in February 2018, taking the cumulative total houses approved to 39,25,240 houses including subsumed RAY scheme, of the targeted 1 crore houses by March 2022.<ref name=house1/> | |||
# Chhattisgarh – 1,000 cities/towns | |||
# Jammu and Kashmir – 19 cities/towns | |||
# Jharkhand – 15 cities/towns | |||
# Madhya Pradesh – 74 cities/towns | |||
# Rajasthan | |||
# Haryana, 53,290 houses in 38 cities and towns with an investment of ₹4,322 crore (c. Feb 2018)<ref name=house1>[https://accommodationtimes.com/186777-affordable-houses-sanctioned-for-urban-poor-under-pmayurban/ 1,86,777 Affordable Houses Sanctioned for Urban Poor Under Pmay (Urban)], Accommodation Times, 9 Feb 2018.</ref> | |||
# Tamil Nadu, 40,623 houses in 65 cities and towns with an investment of ₹2,314 crore (c. Feb 2018)<ref name=house1/> | |||
# Karnataka, 32,656 houses in 95 cities with an investment of ₹1,461 crore (c. Feb 2018)<ref name=house1/> | |||
# Gujarat, 15,584 houses in 45 cities and towns with an investment of ₹946 crore (c. Feb 2018)<ref name=house1/> | |||
# Maharashtra, 12,123 houses in 13 cities and towns with an investment of ₹868 crore (c. Feb 2018)<ref name=house1/> | |||
# Kerala, 9,461 houses in 52 cities with an investment of ₹284 crore (c. Feb 2018)<ref name=house1/> | |||
# Uttarakhand, 6,226 houses in 57 cities and towns with an investment of ₹258 crore (c. Feb 2018)<ref name=house1/> | |||
# Orissa, 5,133 houses in 26 cities and towns with an investment of ₹156 crore (c. Feb 2018)<ref name=house1/> | |||
# West Bengal 7,682 houses in 17 cities and towns with an investment of ₹318 crore (c. Feb 2018)<ref name=house1/> | |||
===Private contributors=== | |||
IIFL Home Loans have been helping beneficiaries avail Credit linked Subsidy under Pradhan Mantri Awas Yojana across the country. Till 17 August 2017, the company has helped 4187 beneficiaries avail government subsidy.<ref>{{Cite news|url=https://www.iifl.com/home-loans/pradhan-mantri-awas-yojana-clss|title=PMAY Overview Page|date=2017-06-08|work=IIFL|access-date=2018-02-24|language=en}}</ref> ICICI Bank is giving subsidised home loans to the people eligible for this scheme.<ref>{{citation |title=ICICI Bank launches home loan with subsidy under Pradhan Mantri Awas Yojana |url=http://timesofindia.com/business/india-business/ICICI-Bank-launches-home-loan-with-subsidy-under-Pradhan-Mantri-Awas-Yojana/articleshow/51357426.cms |work=[[The Times of India]] |date=11 March 2016 }}</ref> AU Housing Finance Limited is also doing subsidy based funding under this scheme. Home First Finance company also provide help beneficiaries to avail Credit linked Subsidy under Pradhan Mantri Awas Yojana across different regions of India.<ref>https://homefirstindia.com/article/pradhan-mantri-awas-yojana-clss-scheme/</ref> | |||
"Rajiv Awas Yojana (RAY)" was an [[Indian government]] program that attempts to help slum dwellers gain appropriate housing and address the processes by which slums are created and reproduced. It was introduced by the Indian government's Ministry of Housing and urban poverty Alleviation.<ref name=bp>{{citation |title=A Comprehensive Guide to Rajiv Awas Yojana |url=http://news.biharprabha.com/2013/09/a-comprehensive-guide-to-rajiv-awas-yojana-ray }}</ref> The programme was a [[Centrally Sponsored Scheme]], which ran from 2013 to 2014.<ref>{{citation |url=http://pib.nic.in/newsite/PrintRelease.aspx?relid=103060 |title=Rajiv Awas Yojana |publisher=Press Information Bureau |date=5 February 2014 }}</ref> The scheme aimed to make India slum-free by 2022 by providing people with shelter or housing, free of cost. It began with a pilot project, before launching in mission mode.<ref>{{citation |title=CCEA approves launch of Rajiv Awas Yojana |url=http://www.business-standard.com/article/news-ani/ccea-approves-launch-of-rajiv-awas-yojana-113090301053_1.html |work=[[Business Standard]] |date=3 September 2013 }}</ref> The government earmarked {{INRConvert|32230|c}} for its implementation during India's [[Five-Year Plans of India|12th Five Year Plan]].<ref name=bp/> One million beneficiaries were proposed to be covered under Rajiv Awas Yojana.<ref>{{citation |title=One Million Beneficiaries Proposed to be Covered Under Rajiv Awas Yojana |url=http://www.orissadiary.com/CurrentNews.asp?id=43879 |url-status=dead |archive-url=https://web.archive.org/web/20151117025706/http://www.orissadiary.com/CurrentNews.asp?id=43879 |archive-date=17 November 2015 |df=dmy-all }}</ref> | |||
Site selection was to be made by the states in consultation with the Centre giving priority to district headquarters, cities of religious heritage and tourist importance, with due consideration to the criterion of the pace of growth of the city, of slums within the city and predominance of Scheduled Caste, Scheduled Tribe and minority population and other weaker and vulnerable section of the society.<ref name=bp/> [[State Bank of India|SBI]] has now slashed down the interest rate of home loans above {{INR}}75 lakh by 10 basis points. From June 15, 2017, the rate for the same will be 8.55-8.6%. | |||
==See also == | |||
* Common man empowerment: | |||
** [[DigiLocker]] (easier access to online identity proof and services) | |||
** [[Har ghar jal]] (water connection for each house) | |||
** [[Ration_card_(India)|One Nation, One Ration Card]] (food security card's national portability) | |||
** [[Saubhagya scheme|Saubhagya electrification scheme]] (electrification of all houses) | |||
** [[Swachh Bharat Abhiyan|Swachh Bharat]] (toilet for all houses) | |||
** [[Pradhan Mantri Ujjwala Yojana|Ujjwala Yojana]] (clean cooking gas connections for all) | |||
==References== | |||
{{Reflist}} | |||
==External links== | |||
* [http://pmaymis.gov.in/ pmaymis.gov.in] Official site | |||
{{Government Schemes in India}} | |||
[[Category:Housing in India]] | |||
[[Category:Modi administration initiatives]] | |||
[[Category:Ministry of Urban Development]] | |||
[[Category:2015 establishments in India]] |