PM AWAS YOJANA
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In News
- The Union Ministry of Finance has approved an advance of Rs 13,000 crore from the Contingency Fund of India for the Pradhan Mantri Awas Yojna-Gramin (PMAY-G).
- Rs 13,000 crore is over and above the outlay of Rs 20,000 crore provided for PMAY-G in the Union Budget 2022-23.
Pradhan Mantri Awas Yojana
- The Ministry of Housing and Urban Poverty Alleviation launched Pradhan Mantri Awas Yojana in 2015.
- The Programme was initiated with the objective of ‘Housing for All by 2022’.
- Providing housing Facilities to rural poor and urban poor including slum dwellers
- Financial assistance is provided to eligible beneficiaries for the construction of pucca houses.
- The Centre and States share the Cost of the houses made under the scheme.
- The mission has 2 Components: Pradhan Mantri Awas Yojana (Urban) and Pradhan Mantri Awas Yojana (Rural).
- Pradhan Mantri Awas Yojana Gramin (PMAY-G) was formerly called the Indira Awas Yojana and was renamed in March 2016.
- It is targeted at promoting accessibility and affordability of housing for all of rural India with the exceptions of Delhi and Chandigarh.
- Under the PMAY-G, financial assistance of Rs 1.20 lakh in plain areas and Rs 1.30 lakh in hilly states is provided to a beneficiary.
- The cost is shared by the Centre and state in a ratio of 60:40 in plain areas and 90:10 for hilly states (special category states which include 8 North Eastern States, Himachal Pradesh, Uttarakhand and J&K).
- In the UTs, including Ladakh, the Centre bears 100% of the expenditure on the implementation of the rural housing scheme.
- Pradhan Mantri Awas Yojana (Urban) Programme
- In Situ Slum Redevelopment: A slum rehabilitation grant of Rs. 1 lakh per house, on average, would be admissible for all houses built for eligible slum dwellers in all such projects. Slums so redeveloped should compulsorily be denotified.
- Affordable Housing through Credit Linked Subsidy: Under Credit Linked Subsidy, beneficiaries of the Economically Weaker Section (EWS) and Low Income Group (LIG) can seek housing loans from Banks, Housing Finance Companies and other such institutions for new construction and enhancement of existing dwellings as incremental housing.
- Affordable Rental Housing Complexes: It will be a mix of single/double bedroom Dwelling Units and a Dormitory of 4/6 beds including all common facilities which will be exclusively used for rental housing for a minimum period of 25 years.
- Aadhar Card is mandatory to take benefit of the scheme.
- Economically weaker sections and Middle-Income Groups are also eligible for financial assistance under the Missions.
- Priority is given to SCs, STs, OBSs, differently-abled persons, senior citizens, minorities, single women, transgender and other Socio-economic weaker sections of society.
- Identifying beneficiaries eligible for assistance and their prioritisation to be done using information from the Socio-Economic and Caste Census (SECC) ensures total transparency and objectivity.
- The ownership of houses is provided in the name of female members or joint names.
- Houses made under the scheme would ensure basic facilities like salutation, tap water connection, etc.
- Under the scheme, the Government promoted Training to Rural Masons under Rural Mason Training (RMT) programme to make a pool of trained rural masons available for faster construction of quality houses.
Objectives of Pradhan Mantri Awas Yojana
- To promote the empowerment of citizens, the Ownership of a house is one of the key indicators of socio-economic development.
- They are ensuring Women's empowerment through the Scheme, as the ownership of the house is provided in the name of a female member or joint ownership.
- To Promote Cooperative Federalism, Autonomy is given to States/UTs to decide the list of beneficiaries and adopt innovative methods to implement housing projects.
Present Status
- The Prime Minister has said that the Government has provided pucca houses to 2.5 crore families across the country — of these, 2 crore houses are in rural areas.
- To achieve the target of “Housing for All”, the Union Government is implementing Pradhan Mantri Awaas Yojana.
- It aims to assist eligible rural households with an overall target to construct 2.95 crore pucca houses with basic amenities by March 2024.
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