In pursuance of Government’s vision of facilitating Housing for All, Ministry of Housing and Urban Affairs (MoHUA), Government of India is implementing Pradhan Mantri Awas Yojana- Urban (PMAY-U) – ‘Housing for All’ Mission since 25.06.2015. The original mission period was up to 31.03.2022 which has been extended till 31.12.2024 for completion of houses sanctioned up to 31.03.2022, without changing funding pattern and implementation methodology of the scheme. The validity of CLSS vertical was up to 31.03.2022. Under the Mission, Ministry has been providing Central assistance to States/ UTs for addressing the housing requirement of the slum dwellers and other people belonging to Economically Weaker Sections (EWS), Low Income Group (LIG) and Middle Income Group (MIG) categories in the urban areas through following four verticals:
1. Beneficiary-led Individual House Construction or Enhancement (BLC): Under this vertical, Central Assistance of ₹1.5 lakh is provided to individual eligible families belonging to EWS categories.
2. Affordable Housing in Partnership with public or private sector (AHP): Central Assistance of ₹1.5 lakh per EWS house is provided by Government of India in projects where at least 35% of the houses in the projects are for EWS category and a single project has at least 250 houses.
3. “In-situ” Slum Redevelopment (ISSR): Slum redevelopment grant of ₹1 lakh per house is admissible for all houses built for eligible slum dwellers under the vertical of In-situ Slum Redevelopment using land as Resource with participation of private developer.
4. Credit Linked Subsidy Scheme (CLSS): An interest subsidy of 6.5%, 4% and 3% on loan amount upto ₹6 lakh, ₹9 lakh and ₹12 lakh were admissible for the eligible beneficiaries belonging to Economically Weaker section (EWS)/Low Income Group (LIG), Middle Income Group (MIG)-I and Middle Income Group (MIG)-II respectively seeking housing loans from Banks, Housing Finance Companies and other such institutions. (CLSS for MIG was from 01.01.2017 to 31.03.2021)
The Mission is implemented as a Centrally Sponsored Scheme (CSS) except the CLSS vertical of PMAY-U which is implemented as a Central Sector Scheme.
BENEFICIARY FAMILY
A beneficiary family under the Mission comprises of husband, wife, unmarried sons and/or unmarried daughters. The beneficiary family should not own a pucca house (an all-weather dwelling unit) either in his/her name or in the name of any member of his/her family in any part of India. An adult earning member (irrespective of marital status) is treated as a separate household provided that:
He/she does not own a pucca (an all-weather dwelling unit) house in his/her name in any part of India. In case of a married couple, either of the spouses or both together in joint ownership will be eligible for a single house, subject to income eligibility of the household under the scheme. An eligible beneficiary can take advantage of only one of the four verticals of the Mission. Further, such person with pucca house having built-up area less than 21 sq.m may be included for enhancement of existing dwelling units upto 30 sq.m. However, if enhancement is not possible on account of lack of availability of land/space or any other reason, she/he may get a house under PMAY(U) elsewhere.
SALIENT DETAILS
Flexibility to States:
Cafeteria Approach: States/UTs were free to choose any vertical of the Mission to meet their demand of housing Demand Based Approach: Housing requirement based on demand assessment by States/UTs Appraisal and Approval of projects at State level
Ownership of House:
House to be in the name of adult female member or in joint name Preference to persons with disabilities, ST/SC/OBCs, Minorities, Transgender and women (with overriding priority to widow) All houses to have drinking water, power supply, sewerage and toilet facility
Coverage:
All statutory towns (Census 2011) and towns notified subsequently Notified Planning Areas and Notified Development Authorities (excluding rural areas) Areas falling within notified Planning/Development area under the jurisdiction of an Industrial Development Authority/Special Area Development Authority/ Urban Development Authority or any such Authority under State Legislation.