SLUM REHABILITATION PROGRAMME (In Situ ) in Ahmedabad, India - Third Expert Meeting of the Regional Slum Upgrading Working Group (RSUWG) - 29th. of November to the 1st. of December 2015 in Laleh International Hotel, Tehran, I.R. of Iran
Slides from a presentation to planning professionals on a case law review from 2008, a look at community infratructure levy and considering the Killian Pretty Review on improving the planning application process
SLUM REHABILITATION PROGRAMME (In Situ ) in Ahmedabad, India - Third Expert Meeting of the Regional Slum Upgrading Working Group (RSUWG) - 29th. of November to the 1st. of December 2015 in Laleh International Hotel, Tehran, I.R. of Iran
Slides from a presentation to planning professionals on a case law review from 2008, a look at community infratructure levy and considering the Killian Pretty Review on improving the planning application process
Recent Developments in Planning and Land Use Law 2021Jesse Souki
Presentation prepared for the annual Hawaii Congress of Planning Officials, Wednesday, October 6, 2021, 3:00 P.M.-4:30 P.M. Covers recent land use related legislation and case law in Hawaii from 2021.
GOMS 448/2017-Kerala land acqusition rehabilitation and resettlement package for acquisition of land -rehabilitation and resettlement act-approved -orders issued g.o(ms)no.448-rd (1)
Rain water is the primary source of water in India which is used to refill or replenish secondary sources of water such as lakes, rivers, ground water. What are the various State wise rooftop rainwater harvesting legislation in various Indian states? Find out in this document.
Land Pooling Policy smart step of DDA and Private builders to develop a high class Smart City in Delhi. Get Complete terms of Land Pooling Policy at Comparecasa.
In this presentation, the concept of Affordable Housing is discussed from various angles such as income tax and GST. The PPT also analyses various components of Affordable housing scheme. It also takes into consideration various practical scenarios which are discussed in the form of case studies. The affordability as per public lending institution has also been covered. The presentation also covers various policies and programmes undertaken by the government for promotion of the same.Lastly, it also covers the impact of anti profiteering under the scheme.
Know about "Housing for all scheme by the Government" from Pratik Chandiwal's presentation - Employee Engagement Activity in form of Live Webinar conducted by Amura for its employees.
The Productivity Commission has released a draft report into the processes that New Zealand’s fastest growing cities use to provide land for housing. The report finds that more could be done to enable cities to accommodate growing populations and includes 38 draft recommendations.
Indira Awaas Yojana(IAY) By Mujeeb Ur Rehman, Jamia Millia IslamiaMujibUrRehman1155
Chapterwise decription of IYA.
IAY is a social welfare flagship program intiated by the Govenment of India, under the leadership of Prime Minister Rajiv Gandhi in the year 1985.
information about CORPORATE HOUSING TYPES, Who Uses Corporate Housing, INTELLIGENT BUILDING features, SERVICES & UTILITIES OF CORPORATE HOUSING, case study:Marine Drive, Kochi, THE ROLE OF THE CORPORATE SPACE DESIGN OFFICER , CORPORATE OFFICE POLICY PRINCIPLES etc.
Affordable housing is a dream come true for middle class section. Concept of affordable housing is like a windfall for all those who are yearning for their own house. With maximum number of people having their own house prosperity of India will be multi fold.
UAPVP launched many schemes available for different segments of the society including EWS, LIG, MIG, BPL and HIG categories.
UPAVP the development agency of Uttar Pradesh know as Uttar Pradesh Awas Vikas Parishad is going to implement the government housing mission, Pradhan Mantri Awas Yojana.
About 20,000 houses will be constructed in the state.
On the construction of housing units, the UPAVP will spend about Rs. 3,000 Crore and the implementation work will be started once it get the approval from the government.
The comprehensive plan for Fiscal year 2017-18 has been prepared by the agency and the houses units in these projects will be constructed under UP government Vrindavan & Awadh Vihar Yojana.
Under PMAY UP, about 2,000 houses have been registered by the government and creating further plan for the scheme, the UPAVP is planning to open the registrations for additional 3,000 houses.
Recent Developments in Planning and Land Use Law 2021Jesse Souki
Presentation prepared for the annual Hawaii Congress of Planning Officials, Wednesday, October 6, 2021, 3:00 P.M.-4:30 P.M. Covers recent land use related legislation and case law in Hawaii from 2021.
GOMS 448/2017-Kerala land acqusition rehabilitation and resettlement package for acquisition of land -rehabilitation and resettlement act-approved -orders issued g.o(ms)no.448-rd (1)
Rain water is the primary source of water in India which is used to refill or replenish secondary sources of water such as lakes, rivers, ground water. What are the various State wise rooftop rainwater harvesting legislation in various Indian states? Find out in this document.
Land Pooling Policy smart step of DDA and Private builders to develop a high class Smart City in Delhi. Get Complete terms of Land Pooling Policy at Comparecasa.
In this presentation, the concept of Affordable Housing is discussed from various angles such as income tax and GST. The PPT also analyses various components of Affordable housing scheme. It also takes into consideration various practical scenarios which are discussed in the form of case studies. The affordability as per public lending institution has also been covered. The presentation also covers various policies and programmes undertaken by the government for promotion of the same.Lastly, it also covers the impact of anti profiteering under the scheme.
Know about "Housing for all scheme by the Government" from Pratik Chandiwal's presentation - Employee Engagement Activity in form of Live Webinar conducted by Amura for its employees.
The Productivity Commission has released a draft report into the processes that New Zealand’s fastest growing cities use to provide land for housing. The report finds that more could be done to enable cities to accommodate growing populations and includes 38 draft recommendations.
Indira Awaas Yojana(IAY) By Mujeeb Ur Rehman, Jamia Millia IslamiaMujibUrRehman1155
Chapterwise decription of IYA.
IAY is a social welfare flagship program intiated by the Govenment of India, under the leadership of Prime Minister Rajiv Gandhi in the year 1985.
information about CORPORATE HOUSING TYPES, Who Uses Corporate Housing, INTELLIGENT BUILDING features, SERVICES & UTILITIES OF CORPORATE HOUSING, case study:Marine Drive, Kochi, THE ROLE OF THE CORPORATE SPACE DESIGN OFFICER , CORPORATE OFFICE POLICY PRINCIPLES etc.
Affordable housing is a dream come true for middle class section. Concept of affordable housing is like a windfall for all those who are yearning for their own house. With maximum number of people having their own house prosperity of India will be multi fold.
UAPVP launched many schemes available for different segments of the society including EWS, LIG, MIG, BPL and HIG categories.
UPAVP the development agency of Uttar Pradesh know as Uttar Pradesh Awas Vikas Parishad is going to implement the government housing mission, Pradhan Mantri Awas Yojana.
About 20,000 houses will be constructed in the state.
On the construction of housing units, the UPAVP will spend about Rs. 3,000 Crore and the implementation work will be started once it get the approval from the government.
The comprehensive plan for Fiscal year 2017-18 has been prepared by the agency and the houses units in these projects will be constructed under UP government Vrindavan & Awadh Vihar Yojana.
Under PMAY UP, about 2,000 houses have been registered by the government and creating further plan for the scheme, the UPAVP is planning to open the registrations for additional 3,000 houses.
Place RESI 2017: Eamonn Boylan, Stockport CouncilPlace North West
Chief Executive of Stockport Council and incoming Chief Executive of Greater Manchester Combined Authority gives an overview on housing in Greater Manchester
With the introduction of the concept of GST Audit, it is important to know and taken int consideration various facts that is needed before we conduct GST Audit. In this presentation, we have covered the concept of filing of GSTR 9C, its applicability and various other topics that one should take care of. The presentation also covers an example of GSTR 9C based upon a hypothetical case. The PPT is a one shot compilation of various topics associated with GSTR 9C - GST Audit.
With the introduction of the concept of GST Audit, it is important to know and taken int consideration various facts that is needed before we conduct GST Audit. In this presentation, we have covered the concept of filing of GSTR 9C, its applicability and various other topics that one should take care of. The presentation also covers an example of GSTR 9C based upon a hypothetical case. The PPT is a one shot compilation of various topics associated with GSTR 9C - GST Audit.
With the introduction of the concept of GST Audit, it is important to know and taken int consideration various facts that is needed before we conduct GST Audit. In this presentation, we have covered the concept of filing of GSTR 9C, its applicability and various other topics that one should take care of. The presentation also covers an example of GSTR 9C based upon a hypothetical case. The PPT is a one shot compilation of various topics associated with GSTR 9C - GST Audit.
With the introduction of the concept of GST Audit, it is important to know and taken int consideration various facts that is needed before we conduct GST Audit. In this presentation, we have covered the concept of filing of GSTR 9C, its applicability and various other topics that one should take care of. The presentation also covers an example of GSTR 9C based upon a hypothetical case. The PPT is a one shot compilation of various topics associated with GSTR 9C - GST Audit.
After introduction of RERA, West Bengal has come up with its own legislation West Bengal Housing Industry Regulatory Act, 2017. There are various critical issues in this emerging law which can be addressed with the help of decisions and orders of numerous states.
This presentation covers a multidimensional view on impact and effect of GST on industry, economy, assessee, department and Government. An attempt is made to give justice to the multidimensional view of how things work in the industry and the future of GST impact on these stakeholders.
Complications of GST for Real-Estate and Developerssandesh mundra
This presentation contains the categories of units available with the developer as on the appointed day and the controversy attached with each category of unit. The presentation precisely covers all the controversies that could come up for the given category of unit.
An attempt to summarize the crucial aspects of maintaining records under GST is made. Apart from this, the presentation includes all types of audits proposed under GST regime. The system of return filling that the Group of Ministers are finalising together with GSTN officials and stakeholders is also included in the presentation. It also includes issues that may arise during filling of annual return and reconciliation statement.
An attempt to compile relevance of contractual clauses, technique of claiming back lost exemptions through doctrine of promissory estoppel, effect of repeals and omission and related judgments, is made. An overview of legal aspects for ongoing contracts is included.
Issues faced by Realtors and works contractorssandesh mundra
We have listed down several issues faced by Real estate and construction sector. A long list of issues are included separately for builders and works contractor for transition and post GST period.
Presentation contains cases and judgements delivered by courts pre-GST regime. A brief summary of all caselaws is made and an attempt is made to provide a bird's eye view of litigations arising in GST.
Presentation is prepared with the object of simplifying the interpretation issues and providing guidelines to read the rate schedules. Methods and mechanism of claiming tax free exports is also explained.
Goods and Service Tax in India is one of the biggest tax reform in Indirect Tax Regime. It is a destination bases tax levied on supply of Goods and Services. It includes impact of GST on several sectors. It also includes development of GST by way of notifications, circulars, press releases and other other compliances under GST.
Real Estate Regulation Act, 2016 which is in force since 1st Mat 2016 will finally get all its teeth on 1st May, 2017 with the setting up of the statewise Real Estate Regulatory Authorities
NATURE, ORIGIN AND DEVELOPMENT OF INTERNATIONAL LAW.pptxanvithaav
These slides helps the student of international law to understand what is the nature of international law? and how international law was originated and developed?.
The slides was well structured along with the highlighted points for better understanding .
WINDING UP of COMPANY, Modes of DissolutionKHURRAMWALI
Winding up, also known as liquidation, refers to the legal and financial process of dissolving a company. It involves ceasing operations, selling assets, settling debts, and ultimately removing the company from the official business registry.
Here's a breakdown of the key aspects of winding up:
Reasons for Winding Up:
Insolvency: This is the most common reason, where the company cannot pay its debts. Creditors may initiate a compulsory winding up to recover their dues.
Voluntary Closure: The owners may decide to close the company due to reasons like reaching business goals, facing losses, or merging with another company.
Deadlock: If shareholders or directors cannot agree on how to run the company, a court may order a winding up.
Types of Winding Up:
Voluntary Winding Up: This is initiated by the company's shareholders through a resolution passed by a majority vote. There are two main types:
Members' Voluntary Winding Up: The company is solvent (has enough assets to pay off its debts) and shareholders will receive any remaining assets after debts are settled.
Creditors' Voluntary Winding Up: The company is insolvent and creditors will be prioritized in receiving payment from the sale of assets.
Compulsory Winding Up: This is initiated by a court order, typically at the request of creditors, government agencies, or even by the company itself if it's insolvent.
Process of Winding Up:
Appointment of Liquidator: A qualified professional is appointed to oversee the winding-up process. They are responsible for selling assets, paying off debts, and distributing any remaining funds.
Cease Trading: The company stops its regular business operations.
Notification of Creditors: Creditors are informed about the winding up and invited to submit their claims.
Sale of Assets: The company's assets are sold to generate cash to pay off creditors.
Payment of Debts: Creditors are paid according to a set order of priority, with secured creditors receiving payment before unsecured creditors.
Distribution to Shareholders: If there are any remaining funds after all debts are settled, they are distributed to shareholders according to their ownership stake.
Dissolution: Once all claims are settled and distributions made, the company is officially dissolved and removed from the business register.
Impact of Winding Up:
Employees: Employees will likely lose their jobs during the winding-up process.
Creditors: Creditors may not recover their debts in full, especially if the company is insolvent.
Shareholders: Shareholders may not receive any payout if the company's debts exceed its assets.
Winding up is a complex legal and financial process that can have significant consequences for all parties involved. It's important to seek professional legal and financial advice when considering winding up a company.
How to Obtain Permanent Residency in the NetherlandsBridgeWest.eu
You can rely on our assistance if you are ready to apply for permanent residency. Find out more at: https://immigration-netherlands.com/obtain-a-permanent-residence-permit-in-the-netherlands/.
In 2020, the Ministry of Home Affairs established a committee led by Prof. (Dr.) Ranbir Singh, former Vice Chancellor of National Law University (NLU), Delhi. This committee was tasked with reviewing the three codes of criminal law. The primary objective of the committee was to propose comprehensive reforms to the country’s criminal laws in a manner that is both principled and effective.
The committee’s focus was on ensuring the safety and security of individuals, communities, and the nation as a whole. Throughout its deliberations, the committee aimed to uphold constitutional values such as justice, dignity, and the intrinsic value of each individual. Their goal was to recommend amendments to the criminal laws that align with these values and priorities.
Subsequently, in February, the committee successfully submitted its recommendations regarding amendments to the criminal law. These recommendations are intended to serve as a foundation for enhancing the current legal framework, promoting safety and security, and upholding the constitutional principles of justice, dignity, and the inherent worth of every individual.
Responsibilities of the office bearers while registering multi-state cooperat...Finlaw Consultancy Pvt Ltd
Introduction-
The process of register multi-state cooperative society in India is governed by the Multi-State Co-operative Societies Act, 2002. This process requires the office bearers to undertake several crucial responsibilities to ensure compliance with legal and regulatory frameworks. The key office bearers typically include the President, Secretary, and Treasurer, along with other elected members of the managing committee. Their responsibilities encompass administrative, legal, and financial duties essential for the successful registration and operation of the society.
A "File Trademark" is a legal term referring to the registration of a unique symbol, logo, or name used to identify and distinguish products or services. This process provides legal protection, granting exclusive rights to the trademark owner, and helps prevent unauthorized use by competitors.
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2. Sandesh Mundra & Associates, Chartered Accountants
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The Hon’ble President of India, in his address to the Joint Session of
Parliament on 9th June, 2014 had announced “By the time the Nation
completes 75 years of its Independence, every family will have a pucca
house with water connection, toilet facilities, 24x7 electricity supply and
access.”
Hon’ble Prime Minister envisioned Housing for All by 2022 when the
Nation completes 75 years of its Independence. In order to achieve this
objective, Central Government has launched a comprehensive mission
“Pradhan Mantri Awas Yojana – Housing for All (Urban)”.
3. Sandesh Mundra & Associates, Chartered Accountants
Land
• High Cost of Land (40-70%)
• Financing the land
• Public Land vs Private Land
• Public Private Partnerships
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4. Sandesh Mundra & Associates, Chartered Accountants
PPP Strategies
• Enhancing access to cost of land
• Private Land in exchange for permission for more
intensive utilisation
• Private Land in exchange for High end housing
• Utilisation of Excess land lying with Govt.
• Slum Rehabilitation
• Society Redevelopment
• Change of Land use
• Operational efficiency in Construction
• Access to Finance
Sandesh Mundra & Associates, Chartered Accountants
6. Sandesh Mundra & Associates, Chartered Accountants
Way Forward
• Rajiv Awas Yojna – (Product of UPA
subsumed in PMAY)
• Pradhan Mantri Awas Yojna
• “Scheme of Affordable Housing in
Partnership” framed by Ministry of
Housing and Urban Poverty
Alleviation, Government of India.
• Infrastructure status given under
notification of Govt. of India,
Ministry of Finance, Department
of Economic Affairs vide F. No.
13/6/20019-INF, dated the 30th
March, 2017
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7. Sandesh Mundra & Associates, Chartered Accountants
Rajiv Awas Yojna-
Subsumed in PMAY
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The notification was issued by Ministry of Housing
and Poverty Alleviation dated 19/05/2015
Sandesh Mundra & Associates, Chartered Accountants
9. Sandesh Mundra & Associates, Chartered Accountants
Relevant definitions in PMAY
• TDR means making available certain
amount of additional built up area in lieu of
the area relinquished or surrendered by the
owner of the land, so that he can use extra
built up area himself in some other land.
• FAR = The quotient obtained by dividing
the total covered area (plinth area) on all
the floors by the area of the plot:
FAR = (Total covered area on all the
floors x 100) / Plot area
Sandesh Mundra & Associates, Chartered Accountants
10. Sandesh Mundra & Associates, Chartered Accountants
Relevant definitions
in PMAY
• EWS House - An all weather single unit or a
unit in a multi-storeyed super structure having
carpet area of upto 30 sq. m. with adequate
basic civic services and infrastructure services
like toilet, water, electricity etc. States can
determine the area of EWS as per their local
needs with information to Ministry.
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Sandesh Mundra & Associates, Chartered Accountants
11. Sandesh Mundra & Associates, Chartered Accountants
Scope of PMAY
• Central assistance to implementing agencies through
States and UTs for providing houses to all eligible
families/ beneficiaries by 2022.
• Implemented as Centrally Sponsored Scheme (CSS)
• Except - Credit linked subsidy which will be
implemented as a Central Sector Scheme.
• A “beneficiary family” will comprise husband, wife,
unmarried sons and/or unmarried daughters.
• 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.
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Sandesh Mundra & Associates, Chartered Accountants
12. Sandesh Mundra & Associates, Chartered Accountants
Coverage of PMAY
• Support construction of houses up to 30 square meter carpet
area with basic civic infrastructure with essentially having toilet
facility.
• The houses must meet the requirements of structural safety
against earthquake, flood, cyclone, landslides etc.
• The houses should be in the name of the female head of the
household or in the joint name of the male head of the household
and his wife.
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13. Sandesh Mundra & Associates, Chartered Accountants
Progress of Technology Sub-mission as on 31.12.2016
Till date 11 new technologies have been earmarked to be adopted under the PMAY(U)
mission:
• 1. Monolithic Concrete Construction System using Plastic/ Aluminum Formwork
• 2. Expanded Polystyrene (EPS) Core Panel SystemIndustrialized Precast RCC
components technology
• 4. Glass Fiber Reinforced Gypsum (GFRG) Panel Building System
• 5. Factory Made Fast Track Modular Building System
• 6. Light Gauge Steel Framed Structures (LGSF)
• 7. Wafflecrete Building System
• 8. Modular Tunnel form System
• 9. Pre-cast Large Concrete Panel System
• 10. Structural Stay-in-place formwork system
• 11. Pre-stressed precast hollow core slab, beam, column, solid wall system
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Sandesh Mundra & Associates, Chartered Accountants
14. Sandesh Mundra & Associates, Chartered Accountants
PMAY Scheme Phases
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PHASE 1
Start Date 04/01/2015
End Date 03/01/2017
Cities Covered 100
PHASE 2
Start Date 04/01/2017
End Date 03/01/2019
Cities Covered 200
PHASE 3
Start Date 04/01/2019
End Date 03/01/2022
Cities Covered Remaining Cities
15. Sandesh Mundra & Associates, Chartered Accountants
Implementation
Methodology
• The Mission will be implemented through
four verticals giving option to
beneficiaries, ULBs and State Government.
1. In situ slum development using land as a
resource
2. Affordable housing through Credit
Linked Subsidy
3. Affordable housing in Partnership
4. Subsidy for beneficiary - led individual
house construction or enhancement.
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16. Sandesh Mundra & Associates, Chartered Accountants
In-situ rehabilitation
using land as a resource
• Slum = Household of 60-70 household or at
least 300 population.
• Slum rehabilitation has 3 components:-
1. Slum redevelopment.
2. Free sale.
3. Relocation of other slum dwellers.
• Private participation demanding substantial
grants may not be encouraged – Private project
disallowed
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Sandesh Mundra & Associates, Chartered Accountants
17. Sandesh Mundra & Associates, Chartered Accountants
In-situ rehabilitation using land as a
resource
• Covers slum situated on government or private lands
• Selection of private partner selected by states by the open bidding
process.
• Grant of Rs. 1 lakh per house would be admissible for all houses
built for eligible slum dwellers in all such projects.
• State/UT government and cities are supposed to offer additional
Floor Area Ratio (FAR)/Floor Space Index (FSI)/Transferable
Development Rights (TDR) for slums on private land.
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18. Sandesh Mundra & Associates, Chartered Accountants
In-situ rehabilitation
using land as a resource
• The private project developers will provide
transit or small-term accommodation the
beneficiary slum dwellers while the
construction is going on.
• The state and UT will decide whether the
constructed houses will be given as ownership
rights or on renewable, mortgage able and
inheritable leasehold rights.
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Sandesh Mundra & Associates, Chartered Accountants
19. Sandesh Mundra & Associates, Chartered Accountants
In-situ rehabilitation
using land as a resource
• Sale of “free sale component” of project
should be linked to the completion and
transfer of slum rehabilitation component to
the implementing agency/state.
• Such stipulation should be clearly provided
in the bid document to avoid any
complication.
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20. Sandesh Mundra & Associates, Chartered Accountants
Credit Linked
Subsidy Scheme
• The credit link subsidy is provided on the home
loans taken by the urban poor population to
build, purchase or renovate houses.
• The subsidy is given to 3 types of income
groups:
1. Economically Weaker Section
2. Lower Income Group
3. Middle Income Group
• MIG is further divided into two on the basis on
annual income of the individual.
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21. Sandesh Mundra & Associates, Chartered Accountants
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Particulars EWS LIG MIG-1 MIG-2
Annual Income Up to Rs.3 lakh
Rs.3,00,001 to Rs.6
lakh
Rs.6,00,001 to Rs.12
lakh
Rs.12,00,001 to
Rs.18 lakh
Housing Loan
Amount Eligible For
Interest Subsidy
NO LIMIT NO LIMIT Up to Rs. 9 lakh Up to Rs.12 lakh
Maximum Loan
Tenure
20 years 20 years 20 years 20 years
Carpet Area 30 square meters 60 square meters 120 square meters 150 square meters
Interest Subsidy 6.5% 6.5% 4%
3%
Credit Linked Subsidy Scheme
23. Sandesh Mundra & Associates, Chartered Accountants
Features And Benefits Of Credit Linked
Subsidy Scheme
• The loan taken under this scheme is supposed to be paid off in EMI
i.e. equated monthly instalment.
• The loan preference in this scheme is given to women, manual
scavengers, scheduled tribes, scheduled castes, backward classes,
minorities, people with disabilities and transgender.
• Interest subsidy is calculated on NPV (net percent value) basis at
9% discount rate.
• The applicant/ any immediate member should not own a well
built or pucca house in any part of India.
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24. Sandesh Mundra & Associates, Chartered Accountants
Features And Benefits Of Credit Linked
Subsidy Scheme
• Applicant requires to present self certificate or affidavit to avail
interest subsidy on loan.
• HUDCO (Housing and Urban Development Corporation) and NHB
(National Housing Bank) has been decided as CNAs (Central Nodal
Agencies)
• It channelize subsidy under this scheme to the loan lending
institutions and to monitor the whole lending process.
• Beneficiaries eligible can directly apply to primary lending
institutions.
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26. Sandesh Mundra & Associates, Chartered Accountants
Features And
Benefits Of
Credit
Linked
Subsidy
Scheme
Primary
lending
institutions
(PLI)
includes:
Scheduled Commercial Banks
Housing Finance Companies
Regional Rural Banks (RRBs)
State Cooperative Banks
Urban Cooperative Banks
Any other institutions as may be identified by the Ministry
PLI can sanction loans after proper verification of application and
there after that applicant can claim subsidy from central nodal
agencies.
Sandesh Mundra & Associates, Chartered Accountants
27. Sandesh Mundra & Associates, Chartered Accountants
Features And Benefits Of Credit Linked
Subsidy Scheme
• Available to build or rebuild houses, add necessities such as
kitchen, toilet etc.
• Documents - The state/ union territories/ urban local body/
primary lending institutions will be taking Aadhar card/ voter ID
card/ any other unique identification/ a certificate of house
ownership from revenue authority of beneficiary’s native district
to link beneficiary identification.
• The EMI amount under credit linked subsidy is maximum Rs.
2000*.
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28. Sandesh Mundra & Associates, Chartered Accountants
Features And Benefits Of Credit Linked
Subsidy Scheme
• The loan subsidy is limited to Rs. 6 lakh* where as there is no loan
amount limit specified. But the loan amount will be given
considering applicant’s profile.
• The credit linked subsidy under Pradhan Mantri Awas Yojana
offers fixed interest rate for 15 years*.
• The houses in rural area cannot benefit from the credit linked
subsidy in interest rate.
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29. Sandesh Mundra & Associates, Chartered Accountants
Statistics
• A total of 17,634 claims for subsidy amounting to Rs. 316.20 crore
were processed under CLSS during the year 2016.
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31. Sandesh Mundra & Associates, Chartered Accountants
Affordable Housing in
Partnership
(AHP)
• This is a supply side
intervention.
• To provide financial assistance
of Rs 1.5L to EWS houses
• “EWS households” are defined
as households having an annual
income up to Rs. 3,00,000
(Rupees Three Lakhs).
States/UTs shall have the
flexibility to redefine the annual
income criteria as per local
conditions in consultation with
the Centre.
• Built by States/Uts through its
agencies or in partnership with
private sector including
industries.
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32. Sandesh Mundra & Associates, Chartered Accountants
Affordable Housing in
Partnership (AHP)
• The States/UTs would decide on an upper
ceiling on the sale price of EWS houses to
make them affordable and accessible to the
intended beneficiaries.
• The sale prices may be fixed by using
following principles :-
1. If Project by States/UTs Agencies – At
No Profit No Loss
2. If Project with Private Partnership -
Through open transparent process
factoring in incentives provided by
Centre/State/ULB
Sandesh Mundra & Associates, Chartered Accountants
33. Sandesh Mundra & Associates, Chartered Accountants
Affordable Housing in Partnership (AHP)
• If Project is of mix of houses for different categories – Two conditions
1) at least 35% of the houses in the project are for EWS category
2) a single project has at least 250 houses
• Allotment of houses to identified eligible beneficiaries (should be part
of HFAPoA) should be made following a transparent procedure as
approved by SLSMC
• Preference in allotment may be given to physically handicapped
persons, senior citizens, Scheduled Castes, Scheduled Tribes, Other
Backward Classes, minority, single women etc.
• Detailed Project Report of such projects prepared by concerned
implementing agencies should be approved by SLSMC.
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34. Sandesh Mundra & Associates, Chartered Accountants
Beneficiary-led Individual House
Construction or Enhancement (BLI)
• Assistance to individual eligible families belonging to EWS
• Central assistance of Rs. 1.50 lakhs
• Covers beneficiaries not taking benefit under any other
component of the scheme.
• Beneficiaries to approach ULBs with documentation regarding
availability of land owned by them.
• ULB shall validate the information given by the beneficiary and
building plan
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35. Sandesh Mundra & Associates, Chartered Accountants
Beneficiary-led Individual House
Construction or Enhancement
(BLI)
• ULBs prepares an integrated city wide
housing project for such individual
beneficiaries in accordance with the City
Development Plan (CDP)
• Such Projects would be approved by States
in SLSMC.
• State/UT or cities may also contribute
financially for such individual house
construction.
• The last instalment of Rs. 30,000/- of GoI
assistance should be released only after
completion of the house.
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36. Sandesh Mundra & Associates, Chartered Accountants
• Progress as on 31.01.2017 As on 31.12.2016, 34 MoAs have been
signed with 29 States and 5 UTs; 3,888 cities have been selected in
34 States/UTs for inclusion under the Mission. 3031 projects for
construction of 14,01,097 houses of Economically Weaker Section
(EWS) category in 1,792 cities of 29 States/UTs involving central
assistance of Rs. 20,724.61 crore have been accepted by
Government under the Mission. Central assistance of Rs. 4,686.82
crore as part of 1st instalment has been released to the concerned
States against approved projects.
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37. Sandesh Mundra & Associates, Chartered Accountants
Infrastructure Status
As per Notification provided in Ministry of Finance, Department
of Economic Affairs vide F. No. 13/6/2009-INF, dated 30/03/17:
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