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Pradhan Mantri Awas Yojana:- Despite of the economic growth which is done in this country there are people in this country who doesn’t even have roof on there heads. But it is very important for the growth of every country to have its people fulfil three basic necessities i.e., Food, Shelter and clothes. Therefore our Prime Minister, Narendra Modi has launched this scheme. This scheme is especially, for shelter i.e. housing given to rural or urban poor people.
Pradhan Mantri Awas Yojana is initiated in 2015 by the Government of India. The main aim of this yojana is to provide affordable housing to the poor people. This yojana has a target of building 20 million houses for the urban poor people. It is of two types, namely,
PMAY-U is for urban rural people and PMAY-G is for rural poor. This Mission has four components: In-situ Slum Redevelopment with private sector participation using land as resource, Affordable Housing through Credit Linked Subsidy, Affordable Housing in Partnership with private and public sector and Beneficiary led house construction /enhancement. People can apply for this yojana either online or offline. For filling the online form people have to visit the website of this yojana and apply directly bu filling the form online but it is necessary to have aadhar card to fill the form. And to fill the form offline people have to visit Common service centre of government and can purchase a form of 25/- plus GST.
In this Scheme government will provide an interest subsidy of 6.5%, 4% and 3% on housing loans. The houses under PMAY should be constructed with the eco friendly technology. And there is one more condition applied to the houses which are constructed under this yojana is that, the ground floors of the houses are allotted to the specially abled people or older people.
PMAY Eligibility Cretria:
Government has decided some eligibility cretria to avail this yojana. The conditions are mentioned below
- The maximum age of a person who can avail this yojana is 70 years
- The houses given in this yojana should be in female name or jointly with male name.
- Income – Economic weaker sections 3 lakhs per annum , Lower income group 6 lakhs per annum , Middle income group-1 6 lakhs to 12 lakhs per annum , Middle Income group -2 12 lakhs to 18 lakhs per annum.
- The person who is applying for this yojana should not be having any dwelling unit against him or his any family member in any part of India.
PHASES OF PMAY
PMAY PHASE – 1: From April 2015 to March 2017 cover 100 cities.
PMAY PHASE– 2: From April 2017 to March 2019 to cover additional 200 cities.
PMAY PHASE – 3: From April 2019 to March 2022 cover the remaining cities.
The states which are till covered under this yojana are : Chhattisgarh, Jammu and Kashmir, Jharkhand, Madhya Pradesh, Haryana, Rajasthan, Tamil Nadu, Karnataka, Gujarat, Maharashtra, Kerala, Uttrakhand and Orissa.
FINANCE: The government has approved an investment 439.22 million for the construction of 6,83,724 houses for the PMAY-U. This Scheme is converged under many schemes initiated by government such as: Saubhagya Yojana electricity connection, Ujjwala Yojana LPG gas connection, access to drinking water and Jan Dhan banking facilities, etc.