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PRADHAN MANTRI AWAS YOJANA

u2022The Mission addresses urban housing shortage among the EWS/LIG and MIG categories including the slum dwellers by ensuring a pucca house for all eligible urban households by the year 2022.

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PRADHAN MANTRI AWAS YOJANA

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  1. PRADHAN MANTRIAWASYOJANA-URBAN(PMAY-U) • Ministry:AflagshipMissionofGovernmentofIndia. • YearofLaunch:25thJune2015 • Implementation: MinistryofHousingandUrbanAffairs(MoHUA) • Objective: • TheMissionaddressesurbanhousingshortageamongtheEWS/LI GandMIGcategoriesincludingtheslumdwellersby ensuringa puccahousetoalleligible urbanhouseholdsby theyear2022. • Itadoptsa demanddrivenapproachwhereintheHousingshortageisdecidedbasedondemandassessmentbyStates/UnionTerritories. • PMAY(U)hasmadeamandatoryprovisionforthefemaleheadofthefamilytobetheownerorco-ownerofthehouseunderthisMission. • Features: PMAY(U) Features • Coverage: • ItcoverstheentireurbanareaconsistingofStatutoryTowns,NotifiedPlanningAreas, DevelopmentAuthorities,SpecialArea DevelopmentAuthorities,IndustrialDevelopmentAuthorities oranysuchauthorityunderStatelegislationwhich is entrustedwiththefunctionsofurbanplanning&regulations. • AllhousesunderPMAY(U)havebasicamenitiesliketoilet,watersupply,electricityandkitchen. • Readmore:DailyAnswerWritingPracticeforUPSC

  2. Components:Theschemehasbeendividedintofourverticalsasgivenbelow:Components:Theschemehasbeendividedintofourverticalsasgivenbelow: • 1.In-situSlumRedevelopment(ISSR) • CreditLinkedSubsidyScheme(CLSS) • Affordable HousinginPartnership(AHP) • Beneficiary-led Individual HouseConstruction/Enhancement(BLC-N/BLC-E) • EligibilityCriteria • Beneficiarymaxage70years. • EWS(Economic WeakerSection)familyincomelimit is3lakhsperannumandforLI G(LowerIncomeGroup)FamilyIncomelimit is6Lakhsperannum,[15]andMiddle­ • IncomeGroup-(MIG-I)incomebetween6lakhstoU2lakhsperannum,(MIG-II)incomebetweenU2lakhstoUBlakhsperannum. • Thebeneficiaryshouldnothaveanowndwellingunitonthenameofanyfamily memberinanypartofIndia. • Theloanapplicantshouldnothaveavailedanycentral/stategovernmentsubsidyorbenefitforbuyingahomeunderthePMAYscheme. • Currently,theloanapplicant shouldnotownanypropertyundertheirnameandalong withanyofthefamilymembers(includingthedependents). • Thehomerenovationorimprovementloans,self-constructionloanswillbeallocated onlyforEWS andLIGcategories. • Readmore:MainsAnswerWritingPractice • EDENIAS(www.edenias.com) -EducationalDevelopment&EnrichmentNetwork • ForanyqueriescontactusonWebsite-https://edenias.com/ • PhoneNo-9354344200,9310855720,9315227819

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