The document discusses India's Pradhan Mantri Awas Yojana (PMAY) housing program. It was launched in 2015 to achieve the goal of "Housing for All" by 2022. The program aims to build 20 million affordable housing units across urban and rural areas. It has four components: slum rehabilitation with private developers; affordable housing through credit-linked subsidies; affordable housing through public-private partnerships; and subsidies for individual home construction. Implementation has faced challenges with only 82,048 units constructed as of 2017. Stakeholders are working with the PMO to address issues like land and clearances to accelerate progress and achieve the program targets.

1. (HOUSING FOR ALL
Pradhan Mantri Awas Yojana 2022)
SUBMITTEB BY –
LALIT KUMAR
M.ARCH ( 2ND SEMESTER) A.P.

2. Housing - No Longer a Mirage
In Election manifesto 2014, BJP
mentioned about a massive Low cost
Housing programme to ensure that by
the time the nation completes 75 years
of its Independence, every family will
have a pucca house of its own.
It will be an innovatively designed
scheme that dovetails various existing
programmes and also encourages the
housing sector by appropriate policy
interventions and credit availability
including interest subventions, where
necessary.
BJP Election manifesto 2014

3. Our proposed programme will further ensure that these houses are equipped with
the basic facilities of toilet, piped water supply, electricity and proper Access. To do
this we will amongst others:
• Prioritize all our resources towards this goal.
• Leverage on land as a resource in urban areas and demand for unskilled labour
in the rural areas.
• Innovatively structure the programme to converge and dovetail various existing
programmes, while adding the missing links.
• Simultaneously encourage the overall housing sector, through appropriate policy
interventions and credit availability and interest subvention schemes.

4. Pradhan Mantri Awas Yojana
Housing for All (Urban)

5. Pradhan Mantri Awas Yojana- Housing for All (Urban)
Pradhan Mantri Awas Yojana was launched on June 25, 2015 by Hon'ble Prime Minister Shri Narendra Modi.
At the slum decadal growth rate of 34%, the slum households are projected to go up to 18 million. 2 million
non-slum urban poor households are proposed to be covered under the Mission. Hence, total housing
shortage envisaged to be addressed through the new mission is 20 million.
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
“Housing for All by 2022”
Housing for All (HFA) mission is since launched in compliance with the above objective of the Government and
with the approval of competent authority.

6. The Mission is being implemented during 2015-
2022 and provides central assistance to Urban
Local Bodies (ULBs) and other implementing
agencies through States/UTs for:
• Slum rehabilitation of Slum Dwellers with
participation of private developers using land
as a resource
• Promotion of Affordable Housing for weaker
section through credit linked subsidy
• Affordable Housing in Partnership with Public
& Private sectors
• Subsidy for beneficiary-led individual house
construction
Credit linked subsidy component is being
implemented as a Central Sector Scheme while
other three components as Centrally Sponsored
Scheme (CSS).

7. “In-situ” Slum Redevelopment using land as Resource
Under the redevelopment plan of slums with the participation of private developers using land as a resource
component, a Central grant of Rs 1 lakh on an average per beneficiary would be provided.
States/Union Territories are at liberty to use this grant for any slum redevelopment schemes to be taken up to
make such projects viable, if required.
Credit-Linked Subsidy Scheme
In the second category, affordable housing through credit-linked subsidy scheme, an interest subsidy of 6.50
percent for a tenure of 15 years or during tenure of loan whichever is lower on each housing loan to EWS and
LIG beneficiaries would be provided by the Central government.
The credit linked subsidy will be available only for loan amounts up to Rs 6 lakhs and additional loans beyond
Rs. 6 lakhs.
Credit linked subsidy would be available for housing loans availed for new construction and addition of rooms,
kitchen, toilet etc. to existing dwellings as incremental housing. The carpet area of houses being constructed
under this component of the mission should be up to 30 square metres and 60 square metres for EWS and
LIG, respectively in order to avail of this credit linked subsidy.

8. Affordable Housing in Partnership
Under third component of affordable housing in partnership with private and public sectors, Central
assistance of Rs 1.50 lakh to each beneficiary would be provided to promote housing stock for urban poor
with the involvement of private and public sectors, provided 35 percent of dwelling units of the projects
proposed are earmarked for EWS category.
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 and a single project has at least
250 houses.
Subsidy for beneficiary-led individual house construction
For the fourth category of subsidy for individual beneficiary-led construction or enhancement of houses, a
Central assistance of Rs 1.50 lakh would be provided to each eligible urban poor beneficiary to enable him
build his own house or undertake improvements to existing houses.
Such beneficiaries should be part of HFAPoA (Housing for All Plan of Action).

9. Coverage and Duration
The PM Awas Yojana would start in the year 2015 and
would be spread for implementation till the year 2022
and would be carried out in three sustainable phases.
All 4041 statutory towns as per Census 2011 with focus
on 500 Class I cities would be covered in three phases
as follows:
• PMAY Phase I (April 2015 - March 2017) to cover
100 Cities selected from States/UTs as per their
willingness.
• PMAY Phase II (April 2017 - March 2019) to cover
additional 200 Cities
• PMAY Phase III (April 2019 - March 2022) to cover
all other remaining Cities Ministry, however, will
have flexibility regarding inclusion of additional
cities in earlier phases in case there is a resource
backed demand from States/UTs.
• The mission will support construction of houses up to 30
square meter carpet area with basic civic infrastructure.
States/UTs will have flexibility in terms of determining the
size of house and other facilities at the state level in
consultation with the Ministry but without any enhanced
financial assistance from Centre.
• The minimum size of houses constructed under the mission
under each component should conform to the standards
provided in National Building Code (NBC).
• All houses built or expanded under the mission should
essentially have toilet facility.
• The houses constructed/acquired with central assistance
under the mission 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, and only in cases when
there is no adult female member in the family, the house
can be in the name of male member of the household.

10. The Beneficiaries of PMAY
This scheme would target specific groups from the
society, which are:
1. Women, irrespective of caste and religion
2.Economically Weaker Section of Society (EWS)
3. Lower Income Group (LIG)
4. Medium Income Group 1 (MIG 1)
5. Medium Income Group 2 (MIG 2)
6. Scheduled Tribes (ST)
7. Scheduled Casts (SC)
The Government of India would be granting a subsidy to
people from these categories so that they buy a home for
themselves and their families. The subsidy amount may
range from Rs 1 lakh to Rs 2.30 lakh.
Features of Housing for All 2022
• The government would provide an interest subsidy
of 6.5% on housing loans availed by the beneficiaries
for a period of 15 years from the start of loan.
• The houses under this scheme would be allotted to
preferably the female member of the family. Along
with this, preference would be given to the female
applicants, in general. This scheme could well be
termed as a pro-women scheme.
• While allotting ground floors in any housing scheme
under the PMAY, preference would be given to
differently-abled and older people.
• The construction of houses under PMAY would be
carried out through technology that is eco-friendly.

11. Components (Housing for All 2022)
1. An average of Rs 1 lakh would be granted by the Government of India to all the beneficiaries under the scheme.
2. Through Credit Lined Subsidy Scheme, a subsidy of 6.5% would be given to each beneficiary belong from EWS and
Lower Income Group categories. MIG 1 will get 4% and MIG 2 will get 3 % interest Subsidy.
3. A central government assistance of Rs 1.5 lakh would go to every beneficiary for promoting housing stock and thus 35%
of the units under the project would be earmarked for the Economically Weaker Section category.
4. In addition to the above, an Rs 1.5 lakh would be provided to all eligible urban poor who want to construct their own
house in urban areas or wish to make necessary renovations in their existing houses.
5. You can avail loan under this scheme for building toilets in your existing house.

12. Present Status Of PMAY – 2022
PM Modi’s low-cost housing scheme flops in
Maharashtra, Apr 1, 2017
As per the data tabled in Parliament, of the 82,048
houses built in 30 states, only 5,506 houses were
constructed in Maharashtra against 25,873 in Gujarat.
When information on the present status of the
programme, which was launched in 2015, was sought
in Rajya Sabha, minister for housing and urban
poverty alleviation M Venkaiah Naidu disclosed that
Gujarat is far ahead of other states—32% of the total
82,048 affordable houses were built there. .
In a written reply, Naidu said, Gujarat is followed by
Rajasthan with 10,805 houses, Karnataka 10,447,
Tamil Nadu 6,940 and Maharashtra 5,506. City-wise,
Ahmedabad led others with construction of 10,183
houses, followed by Jaipur 7,434, Surat 5,216 and
Rajkot 3,817.
82,048 houses built under PM Awas Yojana: Government
MAR 30, 2017
A total of 82,048 houses have been constructed under the
Pradhan Mantri Awas Yojana - Urban (PMAY Urban) as on
March 20, 2017 and of these 62,312 have been occupied, the
government said today.
During the Question Hour in the Rajya Sabha, several
opposition members raised concerns that at the present pace
the dream of 'Housing for All' may not be achieved by 2022.
According to the details provided by the government, under
PMAY Urban, a total of 16,42,685 have been sanctioned as on
March 2017. These include the subsumed projects under the
Rajiv Awas Yojana, it said.
Minister for Planning Rao Inderjit Singh said Uttar Pradesh was
one of the states relatively lagging behind in the
implementation of the scheme.

13. Making PMAY a success: PMO, realty developers meet on affordable
housing
Eager to make the Pradhan Mantri Awas Yojana (PMAY) a success, the Prime Minister's Office (PMO) held a
meeting on Sunday with leading developers, the sectoral body and bankers on what was needed for mega-
size projects in affordable housing.
Around 30 members from the real estate sector were there, said sources. There were representatives from
major developers such as Tata Housing and DLF, beside those from sectoral associations Credai and
Naredco.
“The hour-long meeting was all about affordable housing. The PMO said it was ready to work with the
industry to make PMAY a success,” said a source who was at the meeting.
The realty representatives said they wanted a ‘single window clearance scheme’ for all affordable housing
projects.
“We need this as it takes a lot of time to get a project started. In affordable housing, margins are tight and a
delay mounts costs. Also, we want the government to come up with a public-private partnership (PPP)
model, where they provide us with land, as that is one of the main cost factors,” added the source.
Sectoral bodies also asked that Minimum Alternate Tax (MAT) in this regard be cut to nil; the PMO refused.
“Under this policy, there are certain obstacles on the supply side if done in a particular form. All these were
discussed,” said a person at the meeting.
Union minister of housing and urban poverty alleviation Venkaiah Naidu had inaugurated a scheme for 352
projects involving investment of at least Rs 38,000 crore to build over 200,000 houses.
The Confederation of Real Estate Developers’ Associations of India (Credai) said it could build 203,851 low-
cost homes, for Rs 15-30 lakh, in 53 cities across 17 states under the scheme.
It says it is in talks with the State Bank of India on a financial package, for both home loans and construction
finance.
The government has extended the credit linked subsidy scheme (CLSS) component of PMAY (Urban) to
middle income groups, with annual income of Rs 12-18 lakh, under which interest subsidy of four per cent
and three per cent on housing loans will be provided.