This article has multiple issues. Please help improve it or discuss these issues on the talk page . (Learn how and when to remove these messages)
|
Pradhan Mantri Awas Yojana (Urban) | |
---|---|
Country | India |
Prime Minister(s) | Narendra Modi |
Ministry | Ministry of Housing and Urban Poverty Alleviation |
Key people | Hardeep Singh Puri |
Launched | 25 June 2015 |
Status | Active |
Website | pmaymis |
Pradhan Mantri Awas Yojana (PMAY) is a credit-linked subsidy scheme by the Government of India to facilitate access to affordable housing for the low and moderate-income residents of the country. It envisaged a target of building 2 crore (20 million) affordable houses by 31 March 2022. [1] [2] It has two components: Pradhan Mantri Awas Yojana(Urban) (PMAY-U) for the urban poor and Pradhan Mantri Awaas Yojana (Gramin) [3] (PMAY-G and also PMAY-R) for the rural poor, the former administered by Ministry of Housing and Urban Affairs and the latter by Ministry of Rural Development. [4] [5] This scheme converges with other schemes to ensure that houses have a toilet, Saubhagya Scheme for universal electricity connection, Ujjwala Yojana LPG connection, access to drinking water and Jan Dhan banking facilities, etc. [6]
Public housing programme in India started with the rehabilitation of refugees immediately after independence. Till 1960, nearly five lakh families were provided houses in different parts of Northern India. In 1957, within the ambit of the second five-year plan of Prime Minister Nehru, Village Housing Programme (VHP) was introduced providing loans to individuals and cooperatives of up to ₹5,000 per unit. Only 67,000 houses could be constructed in this scheme till the end of the fifth Five Year Plan (1974–1979). Another scheme introduced in the fourth called House Sites-cum-Construction Assistance Scheme (HSCAS) was also transferred to the State Sector from 1974 to 1975. [7]
With the launch of Indira Awas Yojana (IAY) by the then Prime Minister Rajiv Gandhi in 1985, the public housing programme in India got a boost. IAY was launched as a rural housing programme targeting SC/ST and the Minority population. The programme was gradually extended to cover all Below Poverty Line (BPL) population. [8]
As a part of the continuous efforts of the Indian Government to fulfill the housing needs of rural and urban poor, Pradhan Mantri Awaas Yojana was launched by Prime Minister Narendra Modi in June 2015 with an aim to provide affordable housing. [9] [10]
Under PMAY, it is proposed to build 2 crore houses for the urban poor including Economically Weaker Sections and Low-Income Groups in urban areas by the year 2022 through the financial assistance of ₹ 2 lakh crore (US$24 billion) from the central government. [4] [1] [2] Under the Pradhan Mantri Awas Yojana, a subsidy of ₹2.67 lakh is provided by the government on the interest of home loan for buying a house. The Uttar Pradesh Housing Development Council will provide houses at affordable rates under the Pradhan Mantri Awas Yojana. Applications have been sought under this scheme for about 3,516 houses in Uttar Pradesh. The booking starts from 1 September 2020 and the last date of booking is 15 October 2020. These houses are located in 19 cities in the state of Uttar Pradesh. People from poor families will be able to buy these houses for only ₹3.5 lakh. All those people whose annual income is less than ₹3 lakh are eligible to apply for these houses. The Uttar Pradesh Housing Development Council had earlier kept the repayment time of the house up to 5 years, which has been changed to 3 years.
Indira Awas Yojana or IAY is one of the first centralised housing schemes for Indians. It was introduced by the then Prime Minister, Rajiv Gandhi, in 1985. The scheme's primary objective was to provide housing for the economically weaker sections in the country, and individuals belonging to below the poverty line or BPL. At first, its benefits were exclusive to beneficiaries from the Scheduled Caste and Scheduled Tribe minority groups. However, as of 2016, IAY was officially merged with the Pradhan Mantri Awas Yojana Gramin scheme.
The features of Pradhan Mantri Awas Yojana are that the government will provide an interest subsidy of 6.5% (for EWS and LIG), 4% for MIG-I and 3% for MIG-II [11] [12] on housing loans availed by the beneficiaries for a period of 20 years under credit link subsidy scheme (CLSS) from the start of a loan. The houses under Pradhan Mantri Awas Yojana would be constructed through an eco-friendly technology while allotting ground floors in any housing scheme under PMAY, preference will be given to differently-abled and older persons.
The government has approved an investment of ₹43,922 crore (US$5.3 billion) for construction of 6,83,724 houses for urban poor including central assistance commitment of ₹10,050 crore (US$1.2 billion) by April 2016. [9]
Condition for PMAY:
(a) Beneficiary max age 70 years.
(b) EWS (Economic Weaker Section) family income limit is ₹3 lakhs per annum and for LIG (Lower Income Group) Family Income limit is ₹6 Lakhs per annum, [13] and Middle Income Group -(MIG-I) income between ₹6 lakhs to ₹12 lakhs per annum, (MIG-II) income between ₹12 lakhs to ₹18 lakhs per annum. [14] [12]
c) The beneficiary should not have an own dwelling unit in the name of any family member in any part of India. [5]
d) The loan applicant should not have availed any central/state government subsidy or benefit for buying a home under the PMAY scheme.
e) Currently, the loan applicant should not own any property under their name and along with any of the family members (including the dependents).
f) The home renovation or improvement loans, self-construction loans will be allocated only for EWS and LIG categories.
The houses given under this scheme will be owned by females or jointly with males. [9]
3 Phases of PMAY envisage starting and completing the house construction work as follows:
As of 25 April 2016, the government has identified 2,508 cities and towns in 26 states for beginning construction of houses for urban poor. [15] Construction of 1,86,777 additional houses for the benefit of urban poor with an investment of ₹11,169 cr with central assistance of ₹2,797 cr was approved in February 2018, taking the cumulative total houses approved to 39,25,240 houses including subsumed RAY scheme, of the targeted 1 crore houses by March 2022.
ICICI Bank is giving subsidized home loans to the people eligible for this scheme. [16]
"Rajiv Awas Yojana (RAY)" was an Indian government program that attempts to help slum dwellers gain appropriate housing and address the processes by which slums are created and reproduced. It was introduced by the Indian government's Ministry of Housing and urban poverty Alleviation. The programme was a Centrally Sponsored Scheme, which ran from 2013 to 2014. [17] The scheme aimed to make India slum-free by 2022 by providing people with shelter or housing, free of cost. It began with a pilot project, before launching in mission mode. [18] The government earmarked ₹32,230 crore (US$3.9 billion) for its implementation during India's 12th Five Year Plan. One million beneficiaries were proposed to be covered under Rajiv Awas Yojana.
Site selection was to be made by the states in consultation with the Centre giving priority to district headquarters, cities of religious heritage and tourist importance, with due consideration to the criterion of the pace of growth of the city, of slums within the city and predominance of Scheduled Caste, Scheduled Tribe and minority population and other weaker and vulnerable section of the society. SBI has now slashed down the interest rate of home loans above ₹75 lakh by 10 basis points. From June 15, 2017, the rate for the same will be 8.55-8.6%.
The Sampoorna Grameen Rozgar Yojana was a scheme launched by the Government of India to gain the objective of providing gainful employment for the rural poor. From 21 February 2003, EAS became an allocation-based scheme. The programme was implemented through the Panchayati Raj institutions.
Dharmendra Pradhan is an Indian politician who is serving as Union Minister of Education since 2021. He also served as Minister of Skill Development and Entrepreneurship in the Government of India from 2021 to 2024. An alumnus of Talcher Autonomous College and Utkal University, he has also been the Minister of Petroleum & Natural Gas and the Minister of Steel.
India has a robust social security legislative framework governing social security, encompassing multiple labour laws and regulations. These laws govern various aspects of social security, particularly focusing on the welfare of the workforce. The primary objective of these measures is to foster sound industrial relations, cultivate a high-quality work environment, ensure legislative compliance, and mitigate risks such as accidents and health concerns. Moreover, social security initiatives aim to safeguard against social risks such as retirement, maternity, healthcare and unemployment while tax-funded social assistance aims to reduce inequalities and poverty. The Directive Principles of State Policy, enshrined in Part IV of the Indian Constitution reflects that India is a welfare state. Food security to all Indians are guaranteed under the National Food Security Act, 2013 where the government provides highly subsidised food grains or a food security allowance to economically vulnerable people. The system has since been universalised with the passing of The Code on Social Security, 2020. These cover most of the Indian population with social protection in various situations in their lives.
The 2009 Union budget of India was presented by the finance minister, Pranab Mukherjee, on 6 July 2009.
Pucca housing refers to dwellings that are designed to be solid and permanent. This term is applied to housing in South Asia built of substantial material such as stone, brick, cement, concrete, or timber.
Bharat Nirman Yojana is a visionary scheme introduced by the Indian government to enhance water resources and irrigation capabilities across the country. This initiative, which began during the twelfth five-year plan, received a substantial budget allocation of 76,435 crore rupees from the Planning Commission in 2012. It is a step in bridging the gap between rural and urban areas and improving the quality of lives of rural masses. It comprises projects on irrigation, roads, housing, water supply, electrification and telecommunication connectivity.
Pradhan Mantri Gramin Aawas Yojana is a social welfare programme under the Ministry of Rural Development, Government of India, to provide housing for the rural poor in India. A similar scheme for urban poor was launched in 2015 as Housing for All by 2022. Indira Awas Yojana was launched in 1985 by Rajiv Gandhi, the Prime Minister of India, as one of the major flagship programs of the Ministry of Rural Development to construct houses for the Below Poverty Line population in the villages.
Agriculture in India is highly susceptible to risks like droughts and floods. It is necessary to protect the farmers from natural calamities and ensure their credit eligibility for the next season. For this purpose, the Government of India introduced many agricultural social insurances throughout the country, the most important one of them being Pradhan Mantri Fasal Bima Yojana.
Deen Dayal Upadhyaya Antyodaya Yojana or DDUAY is one of the Government of India scheme for helping the poor by providing skill training. It replaces Aajeevik. The Government of India has provisioned ₹500 crore (US$60 million) for the scheme. The objective of the scheme is to train 0.5 million people in urban areas per annum from 2016. In rural areas the objective is to train 1 million people by 2017. Further, in urban areas, services like SHG promotion, training centres, vendors markets, and permanent shelters for homeless. The aim of the scheme is skill development of both rural and urban India as per requisite international standards.
Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme in India. It was originally mentioned in the 2015 Budget speech by Finance Minister Late Arun Jaitley in February 2015. It was formally launched by the Prime Minister Narendra Modi on 8 May in Kolkata.
Give Up LPG Subsidy is a campaign that was launched in March 2015 by the Indian government led by Prime Minister Narendra Modi. It is aimed at motivating LPG users who are able to afford to pay the market price for LPG to voluntarily surrender their LPG subsidy. As of 23 April 2016, 10 million people had voluntarily given up the subsidy. The surrendered subsidy is being redistributed by the government in order to provide cooking gas connections to poor families in rural households free of cost. Maharashtra, Uttar Pradesh, Karnataka, Delhi and Tamil Nadu are the top five states to give up the subsidy.
Pradhan Mantri Ujjwala Yojana was launched by Prime Minister of India Narendra Modi on 1 May 2016 to distribute 50 million LPG connections to women of Below Poverty Line (BPL) families. A budgetary allocation of ₹80 billion (US$960 million) was made for the scheme. The scheme was replaced by the Ujjwala Yojana 2.0 in 2021. Although the scheme has expanded access to clean cooking technologies, the use of polluting fuels remains common, particularly in rural India.
The 2017 Union Budget of India is the
Piramal Capital and Housing Finance Limited is a non-deposit taking housing finance company, headquartered in Mumbai with branches in major cities across India. DHFL was established to enable access to economical housing finance to the lower and middle income groups in semi-urban and rural parts of India. DHFL is the second housing finance company to be established in the country. The company also leases commercial and residential premises. DHFL is among the 50 biggest financial companies in India.
Urban Development Directorate (UDD) is the administrative department in the state of Uttarakhand. It is an autonomous state government agency responsible for urban planning and development control. There are 92 Urban Local Bodies in the state of Uttarakhand i.e. 8 Municipal Corporations, 41 Municipal Councils and 43 Town Panchayats.
Pradhan Mantri Kisan Samman Nidhi is an initiative by the government of India that give farmers up to ₹6,000 (US$72) per year as minimum income support. The initiative was announced by Piyush Goyal during the 2019 Interim Union Budget of India on 1 February 2019. The scheme has cost ₹75,000 crore per annum and came into effect December 2018.
Nilam Sawhney is currently serving as chief election commissioner of Andhra Pradesh. She served as the first woman Chief Secretary of the newly formed state of Andhra Pradesh, India, from November 2019 to January 2021. She is a 1984 batch Indian Administrative Service (IAS) officer of Andhra Pradesh cadre. She previously held the position of Secretary of Union Ministry of Social Justice and Empowerment from 2018 to 2019 and before this served as the Secretary of Central Vigilance Commission in the Government of India from 2015 to 2018.
Pradhan Mantri Garib Kalyan Anna Yojana is a food security welfare scheme announced by the Government of India on March 26 2020, during the COVID-19 pandemic in India. The program is operated by the Department of Food and Public Distribution under the Ministry of Consumer Affairs, Food and Public Distribution. But the nodal ministry is Ministry of Finance.The scale of this welfare scheme makes it the largest food security program in the world benefiting 81.35 crore in India.
The Ministry of Housing is a ministry in the Government of Maharashtra. Ministry is responsible for implementation of laws and acts related to housing in Maharashtra.
Read More -- Gogo Didi Yojana 2024