Pradhan Mantri Awaas Yojna

P R A D H A N M A N T R I AWA S Y O J N A
PRADHAN MANTRI
AWAAS YOJNA
HOUSING POLICY AND PROGRAMS IN INDIA
MPL – 105
HOUSING RESSETLEMENT &
R E H A B I L I TAT I O N
M U R P (1ST SEM – 2020-21)
K A R T I K VA S H I S H T H A
FOAP, LUCKNOW AT U L L A K H A N
A N A N YA T R I PAT H I
UTKARSH DWIVEDI
P R A D H A N M A N T R I AWA S Y O J N A – P R E A M B L E / M A N D AT E / N E E D
WHAT IS PRADHAN MANTRI AWAS YOJANA?
 Pradhan Mantri Awas Yojana was launched with the aim to provide housing at an affordable price to the weaker sections of the
society, lower income group people, urban poor, and rural poor.
 The Yojana involves a construction of around 20 million houses at an affordable price by March 31, 2022. The scheme is getting
financial assistance of USD 31 billion from the Central Government.
 Pradhan Mantri Awas Yojana has two components:
o Pradhan Mantri Awas Yojana Urban (PMAY-U)
o Pradhan Mantri Awas Yojana Gramin (PMAY-G)
 The scheme is also linked with other schemes like:
o Swachh Bharat Abhiyan
o Saubhagya Yojana
o Ujjawala Yojana
o Accessibility of pure drinking water
o Pradhan Mantri Jan Dhan Yojana
P R A D H A N M A N T R I AWA A S Y O J N A AT U L L A K H A N
HOUSING POLICY AND PROGRAMS IN INDIA UTKARSH DWIVEDI
PRADHANMANTI
AWAS YOJANA
PMAY (GRAMIN) PMAY (URBAN)
Pradhan Mantri Awas Yojana (PMAY) is a housing scheme started by the Prime Minister Narendra Modi in June 2015. This
scheme is launched for all the states of the country.
Pradhan Mantri Awas Yojana (PMAY) is started for the poor people of the country. Under this scheme the government has a
plan to provide the houses to all till 2022. this scheme will be completed in three phases. The government has selected 4041
cities from all the states throughout the country.
• Low cost Housing programme to ensure every family will have a pukka house of its own.
• Programme will further ensure that these houses are equipped with the basic facilities of toilet, piped water supply,
electricity and proper access
P R E A M B L E : ( P M AY- U R B A N ) P R E A M B L E : ( P M AY- G R A M I N /
RURAL)
 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  In pursuance to the goal - Housing for all by 2022, the rural
Nation completes 75 years of its Independence, every family will housing scheme Indira Awas Yojana has been revamped to Pradhan
have a pucca house with water connection, toilet facilities, 24x7 Mantri Awaas Yojana – Gramin and approved during March 2016.
electricity supply and access.”  Under the scheme, financial assistance is provided for construction
 Hon’ble Prime Minister envisioned Housing for All by 2022 when of pucca house to all houseless and households living in dilapidated
the Nation completes 75 years of its Independence. houses.
 In order to achieve this objective, Central Government has  The scheme would be implemented in rural areas throughout India
launched a comprehensive mission “Housing for All by 2022” except Delhi and Chandigarh.
Housing for All (HFA) mission is since launched in compliance  The cost of houses would be shared between Centre and States.
with the above objective of the Government and with the approval
of competent authority.
 The mission seeks to address the housing requirement of urban
poor including slum dwellers through following programme
verticals:
o Slum rehabilitation of Slum Dwellers with participation of private
developers using land as a resource
o Promotion of Affordable Housing for weaker section through credit
linked subsidy
o Affordable Housing in Partnership with Public & Private sectors
o Subsidy for beneficiary-led individual house construction
P R A D H A N M A N T R I AWA S Y O J N A – V I S I O N
P R A D H A N M A N T R I AWA S Y O J N A – S TA K E H O L D E R S A N D T H E I R R O L E S
P R A D H A N M A N T R I AWA S Y O J N A – U R B A N – I M P L E M E N TAT I O N P R O C E S S
MoA signed between States/UT and Centre to
1 participate in the mission.
States/UT send proposal to ministry for inclusion of

cities along with broad assessment of housing and
2 resources required.
Approval from Ministry regarding the inclusion of

3 these cities.
Credit Link Subsidy to be implemented in all statutory cities.
States/Cities undertake a demand survey through

4 suitable survey for assessing the actual demand of Migration should be kept in mind while conducting survey.
housing.
While preparing HFAPoA, State/UT and Implementing
Preparation of Housing For All Plan of Action
Agencies should also consider the affordable housing stock already
(HFAPoA),
5 based on Demand survey and other available data.
available in the city as
Census data suggests that large number of houses are vacant.
Jan Dhan Yojana/other bank account number and

Aadhaar number/Voter ID card/any other unique
identification details of intended beneficiaries or a Beneficiaries will be validated by States/UTs and ULBs thereby
certificate of house ownership from Revenue Authority ensuring their eligibility at the time of preparation of the projects and
6 of beneficiary’s native district will be integrated in the approval of projects.
data base of HFAPoA for avoiding duplication of
benefit to one individual family.
On the basis of HFAPoA, States/Cities will
subsequently prepare the Annual Implementation Plans For larger cities, HFAPoA and AIPs can be prepared at sub-city
7 (AIPs) dividing the task up to 2022 in view of the (ward/zone etc.) level with the approval of concerned State/UT
Government.
availability of resources and priority.
The result of demand survey, draft HFAPoA and draft

AIP should be discussed with the local representatives
including MLAs and MPs of that area so that their
8 views are adequately factored in while finalizing the
plans and beneficiary list.
The HFAPoA and AIPs should be submitted to the

Ministry after approval of State level
9 Sanctioning and Monitoring Committee for assessment
of the overall plan and required
central financial assistance.
HFAPoA should be reviewed on a yearly basis to make

changes in view of implementation
10
of Annual Implementation Plan (AIP) in the preceding
years.
Based on HFAPoA and availability of resources, each

city will prepare Detailed Project Report (DPRs) under All DPRs should be approved by State Level Sanctioning and
11
each component of the Mission. Monitoring Committee.
Urban Local Bodies should take into account the
provisions of the City Development Plan, For larger cities, HFAPoA and AIPs can be prepared at sub-city
12 City Sanitation Plan etc. in preparing HFAPoA for (ward/zone etc.) level with the approval of concerned State/UT
achieving synergy with other ongoing Government.
programmes of both Central and State Governments.
A Beneficiary will be eligible for availing only a single

benefit under any of the existing options i.e. slum It will be the responsibility of State/UT Government to ensure that the
redevelopment with private partner, credit link subsidy, beneficiary is not given benefit under more than one component of the
13
direct subsidy to Mission and all assisted families are part of HFAPoA.
individual beneficiary and affordable housing in
partnership.
I N - S I T U R E H A B I L I TAT I O N T H R O U G H
P R I VAT E PA RT I C I PAT I O N
 The idea here was to promote redevelopment of slum

dwellings in the same location by way of giving incentives
and also by involving the private entrepreneurs.
 Incentives for additional density/FAR/TDR to be given if
required making project viable.
 Grant of Rs. 1 lakh/house on an average for eligible slum
dwellers on public land is envisaged.
 All tenable slums are to be identified and a viable project is
to be prepared with REHAB component and FREE SALE
component.
 The free sale component is to be linked to project
completion and the State Government agency to make
allotments.
 Consultations are to be held so as to involve the residents.
Transit accommodation is to be provided during the in situ
slum redevelopment period.
CREDIT LINKED SUBSIDY SCHEME

 This is a scheme where financial subsidy is given to
households who purchase dwelling units below a certain price
so that affordable housing purchase by middle and low income
householders can be encouraged.
 Credit linked subsidy on home loans taken by EWS / LIG is to
be given at interest rate of 6.5 percent, repayment up to 15
years and loan amount up to Rs. 6 lakh.
 The sizes of dwelling units have been kept at 30 sq m carpet
area for EWS and 60 sq m carpet area for LIG.
 The beneficiary identification is done thru’ Aadhar / Voter ID,
etc.; and self-certification / Affidavit as proof of income is to
be given.
AFFORDABLE HOUSING IN PARTNERSHIP
 In order to ensure the supply side of the market, particularly in

the affordable housing segment, this has been created where
funds are provided along with incentives for promoting
affordable housing projects by state housing supply agencies in
partnership with private developers.
 Financial assistance for EWS housing projects is provided in
this vertical by way of Central assistance @ Rs. 1.5 lakh /
EWS house.
 The final Sale price to be decided by local agencies based on
affordability, viability, etc. Other concessions can also be given
by states.
 The Project can be a mix of various income groups but at least
35 percent EWS houses. Projects can be by public sector alone
or in partnership with private sector.
B E N E F I C I A RY- L E D I N D I V I D U A L
HOUSE CONSTRUCTION
• Where ever households are in possession of land and need

funds to construct a house on their own, funds are provided.
• To assist individual EWS families, a Central assistance of Rs.
1.5 lakh is provided for either a new house or improvement of
existing house.
• This is based on an integrated city wide housing project for
such individual beneficiaries. The progress tracking is done
with geo - tagging.
P R A D H A N M A N T R I AWA S Y O J N A ( u r b a n ) – P R O G R E S S S O FA R - P M AY
PMAY (Urban) - Housing for All

Progress So far (since 2014 up to 11-Jan-2021)
Physical Progress (Nos.) Financial Progress (Rs. In Cr.)

Project Central Assistance
S.No Name Proposal Houses Houses Houses
Considered Investment
Approved Sanctioned Completed Sanctioned Released
6.78 Lakh 1.75 Lakh

1 India 22,843 1.09 Cr. 70.24 Lakh 41.07 Lakh 82,472 Cr.
Cr. Cr.
2 Uttar Pradesh 4,287 17,64,913 12,16,713 6,74,782 79,232.89 27,286.29 13,272.79
P R A D H A N M A N T R I AWA S Y O J N A ( u r b a n ) – P R O G R E S S S O FA R - P M AY
PROGRESS OF PMAY AS ON 25 NOV 2019
CUMULATIVE PROGRESS OF PMAY – URBAN
P R A D H A N M A N T R I AWA S Y O J N A – I M PA C T / S U C C E S S
• The PMAY (U) has reached a momentous occasion as the Mission has crossed the milestone of 1 Crore in the 50th CSMC, out of a
validated demand of 1.12 crore houses in urban areas. Pradhan Mantri Awas Yojana (Urban), [PMAY (U)], is one of the largest
affordable housing programmes in the world. So far, a total of 60 lakh houses are in various stages of construction of which, nearly 32
lakh houses have been completed. Compared to the earlier JnNURM scheme, PMAY (U) has achieved 10 times more in a span of 4.5
years, whereas the earlier scheme had taken 10 years to achieve a significantly less number.
• The Mission has covered a range of social groups which comprises of around 5.8 lakh senior citizens, 2 lakh construction workers, 1.5
lakh domestic workers, 1.5 lakh artisans, 0.63 lakh differently-abled (Divyang), 770 transgender and 500 leprosy patients as of now.
Empowerment of women is an inbuilt design of the scheme where the ownership of the house is in the name of female head of
household or in the joint name of male head of the household.
• The scheme promotes a synergetic partnership of the people and the Governments. In consonance of the Mission Guidelines, States/
UTs are also contributing a substantial amount of Rs 1-2 Lakh on an average which can go upto Rs 6 lakh per house. Beneficiaries are
also contributing their share in the range of Rs. 2 lakh to Rs. 5 lakh per house.
• The construction activity under the scheme has had a huge impact on the other sectors of the economy with a multiplier effect in
employment generation. Approximately around 1.20 crore employment has been generated through forward and backward linkages
with about 21 broad sectors of economy like, steel, brick kilns, cement, paint, hardware, sanitary etc.
P R A D H A N M A N T R I AWA S Y O J N A – I M PA C T / S U C C E S S
• Government has identified many alternative and innovative technologies through a Global Housing Technology Challenge- India. This
will usher a paradigmatic shift in the construction technology in India and will propel in a host of economic activities. 6 Light House
Projects are being executed in six states across the country which will act as live laboratories demonstrating innovative, proven
construction technologies for speedier and cost-effective construction of houses which are sustainable green, eco-friendly and disaster
resilient.
• The Ministry has launched angikaar - a campaign for change management. The campaign address and enables beneficiaries to adapt
to life transformation that comes with shifting to a newly constructed house. The campaign has also converged with other government
schemes like Ayushman Bharat and Ujjawala so that beneficiaries can avail the benefits of these schemes. Currently more than 15 lakh
households have been covered with outreach of about 75 lakh citizens of the country through this campaign which is ongoing and will
conclude on January 26th 2020.
P R A D H A N M A N T R I AWA S Y O J N A – C R I T I C A L C O M M E N T S
Despite the fact that huge numbers have been achieved in terms of approvals, actual completion numbers have been lagging due to
various challenges.
• The ISSR vertical has had the minimum number of dwelling units as its contribution. This has been mostly due to problems related
to land, court cases, manipulation by slum lords and a complex document verification process.
• In the CLSS, the interest rates charged by the banks are high. This has been discouraging the beneficiaries from participating in the
scheme and hence there is a need to have a cap on the interest rates, particularly for the EWS.
• The funding under BLC is inadequate in many instances and there is no other mechanism for them to get additional loans. This has
also been hampering the completion of projects.
P R A D H A N M A N T R I AWA S Y O J N A – G R A M I N
AIM AND OBJECTIVES

• To provide pucca houses to all the houseless households and households living in kutcha and dilapidated houses in rural
India by 2022.
• To achieve the objective of “Housing for All”, target set is 2.95 Crore to be constructed by the year 2022, with immediate
objective is to cover 1.00 Crore houses in rural areas, in three years from 2016 – 2019.
• Enable construction of quality houses by beneficiaries using Local materials, designs and trained masons.
KEY FEATURES OF PMAY – GRAMIN
• Providing assistance for construction of 1 crore houses in rural areas over the period of 3 years 2016-19.
• Min. house size enhanced from 20 sq mtr.(from IAY) to 25 sq mtr. with dedicated hygienic space for cooking.
• Enhancement of unit assistance from
• 70,000 – 1,20,000 in plain areas
• 75,000 – 1,30,000 in hilly states, difficult areas and IAP districts.
• Cost of unit house shared between Central and State Governments
• 60:40 in plain areas
• 90:10 in north-eastern state and 3 Himalayan states.
• Provision of assistance (Rs 12000/-) for toilets through convergence with SBM-Gramin or any other source of funding.
• Setting up National Technical Support Agency (NTSA) at national level to provide technical assistance in achieving the
target set under the program. Along with financial assistance, beneficiary shall also be offered Technical assistance in the
construction of the house.
KEY FEATURES OF PMAY – GRAMIN

• If the beneficiary so chooses, she/he will be facilitated to avail loan of upto Rs. 70,000/- from financial institutions.
• All payments to the beneficiary to be made electronically to their bank/post office account linked to Aadhar with their
consent.
• Focus on construction of quality houses by the beneficiaries using local masons, appropriate designs and trained masons.
• Adoption of saturation approach using Gram Panchayats, Block or District as unit, wherever possible.
P R A D H A N M A N T R I AWA A S Y O J N A
HOUSING POLICY AND PROGRAMS IN INDIA
IDENTIFICATION AND SELECTION OF BENEFICIARY

• All the houseless and households living in zero, one or two rooms houses with kutcha wall and roofs as per SECC data will
be eligible for PMAY – Gramin.
PRIORITIZATION WITHIN BENEFICIARIES

• Priority will be first assigned on the basis of parameters reflecting housing depreciation viz. SC/ST , minorities and others.
• Households will be prioritized based on houselessness followed by the no. of rooms; zero, one ,two and so on.
• Cumulative deprivation score of the households will be calculated and priority will be given accordingly. Parameters are as
follows:
• Households with no adult member between age 16 to 59.
• Female headed households with no adult member between age 16 to 59.
• Households with no literate above age 25 years.
• Households with any disabled member and any no bodied able adult member.
• Landless households deriving the major part of their income from manual casual labour.
• Households with higher deprivation scores will be ranked higher within the subgroups.
PREPARATION OF PRIORITY LISTS

• Separate priority lists, will be generated for SC,ST, others and Minorities for each Gram Panchayat/Village Sabha or lowest
unit of local self govt., subject to availability of eligible house holds.
• System generated category wise ranked list could be downloaded from the programme MIS-Awaas Soft
IDENTIFICATION AND SELECTION OF BENEFICIARY

• All the houseless and households living in zero, one or two rooms houses with kutcha wall and roofs as per SECC data will
be eligible for PMAY – Gramin.
PRIORITIZATION WITHIN BENEFICIARIES

• Priority will be first assigned on the basis of parameters reflecting housing depreciation viz. SC/ST , minorities and others.
• Households will be prioritized based on houselessness followed by the no. of rooms; zero, one ,two and so on.
• Cumulative deprivation score of the households will be calculated and priority will be given accordingly. Parameters are as
follows:
• Households with no adult member between age 16 to 59.
• Female headed households with no adult member between age 16 to 59.
• Households with no literate above age 25 years.
• Households with any disabled member and any no bodied able adult member.
• Landless households deriving the major part of their income from manual casual labour.
• Households with higher deprivation scores will be ranked higher within the subgroups.
PREPARATION OF PRIORITY LISTS

• Separate priority lists, will be generated for SC,ST, others and Minorities for each Gram Panchayat/Village Sabha or lowest
unit of local self govt., subject to availability of eligible house holds.
• System generated category wise ranked list could be downloaded from the programme MIS-Awaas Soft

Pradhan Mantri Awaas Yojna

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P R A D H A N M A N T R I AWA S Y O J N A

WHAT IS PRADHAN MANTRI AWAS YOJANA?

PMAY (GRAMIN) PMAY (URBAN)

States/UT send proposal to ministry for inclusion of

Approval from Ministry regarding the inclusion of

States/Cities undertake a demand survey through

Jan Dhan Yojana/other bank account number and

The result of demand survey, draft HFAPoA and draft

The HFAPoA and AIPs should be submitted to the

HFAPoA should be reviewed on a yearly basis to make

Based on HFAPoA and availability of resources, each

A Beneficiary will be eligible for availing only a single

 The idea here was to promote redevelopment of slum

CREDIT LINKED SUBSIDY SCHEME

AFFORDABLE HOUSING IN PARTNERSHIP

 In order to ensure the supply side of the market, particularly in

• Where ever households are in possession of land and need

PMAY (Urban) - Housing for All

Physical Progress (Nos.) Financial Progress (Rs. In Cr.)

6.78 Lakh 1.75 Lakh

PROGRESS OF PMAY AS ON 25 NOV 2019

CUMULATIVE PROGRESS OF PMAY – URBAN

AIM AND OBJECTIVES

KEY FEATURES OF PMAY – GRAMIN

KEY FEATURES OF PMAY – GRAMIN

IDENTIFICATION AND SELECTION OF BENEFICIARY

PRIORITIZATION WITHIN BENEFICIARIES

PREPARATION OF PRIORITY LISTS

IDENTIFICATION AND SELECTION OF BENEFICIARY

PRIORITIZATION WITHIN BENEFICIARIES

PREPARATION OF PRIORITY LISTS

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