IMPORTANT EARLIER HOUSING SCHEMES

FOR LOWER INCOME GROUP

ARATHY, ATHIRA BHADRAN

 LOW INCOME GROUP HOUSING

The low income group housing scheme, which was introduced towards the end
of 1954, provides for the grant of long-term house building loans at a reasonable
rate of interest to persons whose income does not exceed Rs. 6,000 per annum.
The low income-group housing scheme has tried to meet a widely felt need and
large numbers of persons have sought to take advantage of it. However, on
account of high land prices and the lack of suitably developed sites, progress in
the construction of houses under the scheme has not been as rapid as was
hoped for.
HOUSIG SCHEMES FOR LIG
1. Pradhan Mantri Awas Yojana (PMAY), 2015 (Urban)
2. Pradhan Mantri Gramin Awaas Yojana
3. Rajiv Awas Yojna(RAY),2009
4. Delhi Development Authority Housing Scheme, 2018
5. Tamil Nadu Housing Board Scheme (TNHB),1961
6. Jawaharlal Nehru National Urban Renewal Mission,2005
7. Affordable Housing, 2008
Pradhan Mantri Awas Yojana (PMAY),2015 (Urban)

•Also called the Housing For All scheme, aims to deliver houses for the
homeless by 2022.
•It will also provide home loan interest subsidy for those buying their first
home in urban areas.
•Under the scheme, the government will provide interest subsidy of 3% to
4% for a home loan amount of up to Rs 9 lakh and Rs 12 lakh. So far, over
3 lakh homes under PMAY (urban) have been constructed against a target
of 40.6 lakh by 2022.
•2 million non-slum urban poor house hold are proposed to be covered
under the mission.

•Housing for All (HFA) Mission is launched with an objective of addressing

the housing requirement of urban poor including slum dwellers through
following program verticals:
-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.

Coverage and Duration of Pradhan Mantri Awas

Yojana (PMAY)
Phase I (April 2015 – March 2017): This phase will cover 100 cities
selected from States/UTs.
Phase II (April 2017 – March 2019): Second phase of PMAY will cover
additional 200 cities.
Phase III (April 2019 – March 2022): Third and last phase will cover all
other remaining cities.
List of Cities Selected areas for PMAY
Case study in Andhra Pradesh
Pradhan Mantri Awas Yojana (PMAY ) Scheme for rural and urban
Districts in which project is been implemented
Vizag,West Godavari
East Godavari
Krishna
Guntur
Prakasam
Nellore
Chittoor
Anantapur
Srikakulam.

No. of units : 19 lakh Houses

Area : 330 sq.ft
Unit cost (Rs) :3,13,000
Case study in Palakkad Municipality
The family of Guruvayoorappan (survey code 466629) & Kaliyamma (survey
code 233117) were selected to study the impact of the PMAY project.

He constructs a house with 60 sq m and likely to be there in his new house,

within 6 months.
Pradhan Mantri Gramin Awaas Yojana
•Previously known as Indira Awas Yojna,
•This scheme focuses on providing pucca houses with basic amenities to
homeless families.
•The objective is to build one crore homes of 25 sqm by 2022.
•The government provides financial assistance by sharing the cost of
construction with the state in the ratio of 60:40 in plain areas and 90:10 for
north eastern and hilly areas.
•The cost for the unit assistance of Rs 1.2 lakh is also provided to the
beneficiary belonging to households without shelter, destitute/living on alms,
manual scavengers, tribal groups and legally released bonded labour. So far,
about 28.8 lakh homes have been constructed against a target of 1 crore by
2022.
•Example in Jammu& Kashmir ad Dumka in Jharkhad
Rajiv Awas Yojna
•Launched in 2009,
•Visio- Slum free india.
•The Rajiv Awas Yojana (RAY) envisages a slum-free India and encourages
state and union territories (UT) to bring all illegal constructions within a formal
system.
•To increase the affordable housing stock under the scheme, the Centre has
approved the Affordable Housing in Partnership (AHP) scheme to be part of
the RAY.
•The scheme also provides support of Rs 75,000 per economically-weaker
sections (EWS), Dwelling Units (DUs) of the size of 21 to 40 sqm. So far, over
Rs 1,398 crore has been spent while nearly 46,000 houses have been
developed under the scheme.
Delhi Development Authority Housing Scheme, 2018
•The Housing Scheme 2018 by the Delhi Development Authority (DDA)
will be launched in December which will offer 20,987 fresh units.
•Of these total units, 16,296 units for the low-income group (LIG) while
3,624 units will be reserved for the economically-weaker section.
•These modern 1,2 and 3BHK houses, accompanied with amenities,
will be built across Vasant Kunj, Dwarka, Siraspur, Narela and Rohini.
•The scheme is linked to the credit linked scheme 2018 under PMAY.
Built up area- 410 sqft for LIG

12000 flats across four income categories

Tamil Nadu Housing Board Scheme (TNHB),1961
•The Tamil Nadu Housing Board (TNHB) developed into a full-fledged
organisation in 1961 to fulfill the growing housing needs by providing shelter
to people of various income groups.
•The board has launched three housing schemes at different locations - KK
Nagar Division, Ambattur and MKB Nagar - for the sale of affordable
housing units for lower income groups and middle-income groups.
•Most of the floors in this scheme which is launched under the central
sponsorship Pradhan Mantri Awas Yojana, are available for the ON
category.
•There are 406 flats available in TNHB KK Nagar Division housing system
for LIG and MIG buyers.
•Under the Ambattur housing scheme, J J Nagar Division, 1,494 floors are
available on 14-story platforms for the lower income group. The houses are
2BHK units sized at 614 sqft (or 58.2 sqms).
TNHB Flats in Ambattur, Chennai Tamil Nadu

•Housing Board is a residential project. The project offers Apartment with perfect
combination of contemporary architecture and features to provide comfortable
living.
•1BHK and 2BHK The size of the Apartment ranges in between 49.24 Sq. mt .The
construction is of 5 floors. An accommodation of 428 units has been provided.

Area: 530 sq.ft. (49.24 sq.m.), 1BHK

Jawaharlal Nehru National Urban Renewal
Mission(JNNURM), 2005

•Jawaharlal Nehru National Urban Renewal

Mission(JNNURM) launched in 2005
was a massive city Modernisation scheme launched by
the Government of India
under Ministry of Urban Development.
JnNURM aims at creating ‘ economically productive,
efficient, equitable and responsive Cities’ by a strategy of
upgrading the social and economic infrastructure in
cities, Provision of basic services to urban poor.
•Focused attention relating to infrastructural services in
the context of integrated
Development.
CASE STUDIES
Affordable Housing, 2008
CASE STUDY IN RAJKOT
Smart GHAR III (Green Homes at Affordable Rate) is an affordable housing project
in Rajkot under the Pradhan Mantri Awas Yojana (PMAY) Untenable Slum
Redevelopment. The project is being executed by the Rajkot Municipal
Corporation (RMC).
PROJECT DETAILS: • Site area: 17,593 m2 •
Built-up area: 57,408 m2 • Number of dwelling
units (DU): 1176 (All 1 BHK) • Built-up area per
DU: 33.6 m2 • Carpet area per DU: 28 m2 • 11
residential towers • Number of floors: Stilt + 7