PMAY PMAY - G VAMBAY RAY JnNURM IAY

Name
Prandhan Matri Awas Yojana Prandhan Mantri Awas Yojana - GRAMIN Valmiki Ambetker Awas Yojana Rajiv Awas Yojana Jawaharlal Nehru National Urban Renewal Mission Indira Awaas Yojana
Time span 2015-2022 2016-2022 2001-2007 2013-2022 2005-2014 extended upto 2017 1985/86 - 2015
Subsued Under JNNURM PMAY-U AMRUT PMAY-G
Aim Address the housing requirements of the urban poor, including slum dwellers and low income group To address the gaps in the rural housing programme and in view of Government’s commitment to provide ‘Housing for All’ Ameliorating the housing problems for the Slum Dwellers living Below Poverty Line in Rajiv Awas Yojana (RAY) envisages a “Slum Free India” with inclusive and equitable cities in which every citizen has access to "economically productive, efficient, equitable and responsive cities." providing housing for rural , financial assistance to rural BPL
category . by 2022, the scheme of Indira Awaas Yojana (IAY 1985 - 2016) has been restructured into Pradhan Mantri Awaas Yojana – different towns and cities of the State.The objective of Valmiki Ambedkar Awas Yojana basic civic infrastructure, social amenities and decent shelter. focused primarily to development in the context of urban conglomerates focusing to the indian house holds for construction/upgradation of dwelling
Gramin (PMAY-G) on 1st April 2016 (VAMBAY) is primarily to provide shelter or upgrade the existing shelter for people living cities units,non - SC/ST rural household providing them financial
Below Poverty Line in Urban Slums, with a view to achieve the goal of “Shelter for All”. assistance.

Benificiary Beneficiary groups Beneficiaries of this PMAY scheme will be identified as per data available from the Socio-Economic and Caste Census Beneficiary groups Beneficiary groups Beneficiary groups Beneficiary groups
Groups • Slums (SECC) and include - • slum dwellers in Urban areas who are below the poverty line • Slums • Slums • Below poverty line living in rural areas belonging to
• Urban poor • Scheduled castes and scheduled tribes. • members of the EWS who do not possess adequate shelter • Urban poor • Urban poor Scheduled Castes/Scheduled Tribes,
• EWS • Non-SC/ST and minorities under BPL. • EWS • EWS • Freed bonded laborers
• LIG • Freed bonded labourers. • LIG • LIG • Non-SC/ST rural BPL
• MIG • Next of kin and widows of paramilitary forces and individuals killed in action, ex-servicemen, and those under a
retirement scheme.
Model 1. “In situ” Slum Redevelopment (ISSR): 1. Credit Linked Subsidy Scheme (CLSS) 1.Nirmal Bharat Abhiyan 1- Affordable Housing in Partnership (AHP) Scheme: 1-BSUP (basic services to urban poor) Houses are buit on individual plots.
This is a supply side intervention for redevelopment of slums by the government or through private The CLSS provides subsidies on home loan interest rates to those eligible for this scheme. The PMAY subsidy rate, subsidy To increase affordable housing stock, as part of the preventive strategy. The main thrust of the sub-mission on Basic Services to the Urban Poor (BSUP) will be on integrated It is case based programme under which assistance is
partnership. Under ISSR, there are two sub components: amount, maximum loan amount.Home loans under the CLSS have a maximum tenor of 20 years. NPV or the net present The definition of malin basti or slum is to be taken in a wider sense to cover 2-Type of housing: development of slums through projects for providing shelter, basic services and other civic amenities with a view to provide utilities to the urban poor. provideed to rural BPL families for constructing dwelling
• Slum rehabilitation component provides housing along with basic civic infrastructure to eligible value is evaluated at a discounted rate of 9% of the interest subsidy. not only inadequacy of houses or tenements but also other basic amenities such as Water units on their own using their own design and technology.
slum dwellers Supply, toilet facilities, disposal system etc., which make habitation livable and to be considered for slum upgradation/redevelopment/ relocation: 2-IHSDP (Integrated housing and slum development programme) The objective of IAY is primarily to provide grant for
• Free sale component provides developers flexibility of selling the units to cross subsidize the 2. "In-situ" slum environment friendly On an average 25% of the funds under the Scheme will be spent for 3-New housing: Slum dwellers without pucca houses should be provided The basic objective of the Scheme is to strive for holistic slum development with a construction of houses to members of scheduled
project. The scheme aims to rehabilitate slums with the land as a resource, with association with private organisations to provide providing water and sanitation facilities including approximately 20% of the amount for with new dwelling unit (Single storey or Multi-storied building) of carpet area between 21-27 sqm. healthy and enabling urban environment by providing adequate shelter and basic infrastructure facilities to the slum dwellers of the identified urban castes/scheduled tribes , ex servicemen , widows , freed
2. Credit Linked Subsidy Scheme (CLSS): houses to families living in such areas. community sanitation project. 4-Incremental housing : if the areas. bonded labours , minorities in the below poverty line
This is a demand side intervention providing credit linked subsidy on housing loans through financial The Central Government determines the prices of the houses, and the beneficiary contribution (if any) is decided by the dwelling unit is a pucca construction but having less than the desired minimum floor space or rooms, additional provision of category.
institutions. EWS, LIG & MIG can avail the subsidy for new or incremental housing. respective state or UT. rooms, toilets etc.
3. Affordable Housing in Partnership (AHP): 5-Rental Housing: Rental housing may be the preferred choice to accommodate tenants of slums,
This supply side component focuses on providing houses for EWS category. States/UTs either through 3. Affordable Housing in Partnership (AHP) labourers, floating population and urban homeless.
its agencies or in partnership with private sector, can plan following types of affordable housing Affordable Housing in Partnership (AHP) provides financial assistance to the tune of Rs. 1.5 Lakh on behalf of the Central 6-IN-situ redevelpoment
projects: a. Independent affordable housing project b. Housing projects where 35% of the houses are Government to EWS families for the purchase of houses. State and UTs can partner with their agencies or private sector to -Redevelopment
constructed for EWS category develop such housing projects.
4. Subsidy for Beneficiary-Led Construction (BLC): -Upgradation
This is another demand side intervention focusing on providing fixed monetary assistance to eligible 4. Individual house construction or enhancement led by beneficiaries
EWS beneficiaries to either construct new houses or renovate existing houses. This component of PM Awas Yojana targets EWS families who cannot avail the benefits of the previous three components.

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Roles Central In an attempt to boost the purchases in the real estate sector, the Government launched PMAY, and this cost of housing Central Government National Level Central Government The IAY is implemented by DRDA (District Rural
• Central Sanctioning and Monitoring Committee (CSMC) and Central Nodal Agency (CNA) have been development will be shared between the Central and State Government in the following ways: 1-The Govt. of India will release the subsidy under VAMBAY to HUDCO. 1-National steering committee (NSC) is setup under the Minister for housing and urban poverty alleviation and will be the 1-Central sanction and monitoring committee Development Agencies).
formed under PMAY-U to facilitate implementation. Ensures effective coordination with state government and other agencies for processing overarching policy making body 2-Mission directorate JNNURM At the village level , Gram panchayat has to indentify and
• CSMC is an important decision making body which reviews the overall mission and monitors the - 64:40 for plain regions. of . the project proposals and implementation of scheme. 2-Central sanctioning and monitoring committee (CSMC), under ,MOHUA, will consider and approve city and slum level Ensures effective coordination with state government and other agencies for processing of the project proposals and implementation of scheme. select the beneficiaries.
progress at regular intervals. - 90:10 for North-Eastern and hilly areas. projects. 3-centres assistance will flow for the provision of civic services such as water supply, ground/overhead reservoirs, sewage water management, stp, rain The department of rural Employment and poverty allevation
• CNAs are formed under the CLSS component to channelize the subsidy to lending institutions and The objective is to provide financial assistance to the homeless and 3-Mission directorate is headed by the Joint Secretary and will implement RAY as per guidelines of NSC and CSMC. water . havesting, electricity, transformers, parks, roads, etc. is responsible for the release of centeral shere of funds,for
for monitoring the progress of this component. those residing in decrepit houses to assist them in the construction of pucca houses. State government State Level prouicling overall guidance , policy making , monitoring and
• Housing and Urban Development Corporation (HUDCO) and National Housing Bank (NHB) have 1-State level steering committee would decide projects and their priorities for inclusion in 4-State level sanctioning and monitoring committee (SLSMC), under the Chief Minister will recommend selected projects for State government evaluation of rural housing at national level.
been identified as CAN the scheme and for submission to the central government. consideration of the Ministry. 1-state level steering committee would decide projects and their priorities for inclusion in the scheme and for submission to the csmc. between the Government of india and State Governments in
• The TCPO office looks at framing and amending Urban and Regional Development Plans State 5-Each state will identify a state level nodal agency (SLNA) for coordination of the scheme and reform related activities. the ratio of 75:25.
Formulation and Implementation (URDPFI) guidelines and Model Building Bye Laws. • To facilitate various rural housing schemes Nodal agency City level Nodal agency
• URDPFI guidelines propose outlining of affordable housing projects at Masterplan and Zonal plan • To make financial arrangements for construction of rural houses 1-Appraisal of projects 6-mission under the mayor or chairman of urban local body will be set up. It will be supported by city level technical cell 1-appraisal of projects
levels. • To conduct course on mason training 2-Obtaining sanctioning of state level steering for seeking centres assistance. (CLTC) with experts on lines of the SLTC. 2-obtaining sanctioning of state level steering for seeking centres assistance.
State • To act as a nodal agency for implementing various Rural Housing Schemes. 3-Manages grants received from centre 7-CLTCs can be constituted on a cluster basis for various cities or a common city and state technical cell that has a 3-manages grants received from centre
• State/ UT has to identify State Level Nodal Agency (SLNA) and set up State Level Mission 4-Release of fund population of less than 5 lakh. 4-release of fund
Directorate for coordination of the scheme and reform related activities. Gram Panchayats 5-Monitors financial and physical progress of projects City Level Community Level 5-monitors financial and physical progress of projects
• State Level Appraisal Committee (SLAC) is constituted for techno-economic appraisal of Detailed 1- The Gram Panchayats, through Gram Sabhas, will prioritize and finalise the Permanent Wait List of eligible beneficiaries 6-Monitors implementation of reforms 8-RAY seeks to involve the community from the stage of survey and planning to implementation and social audit. Therefore, 6-monitors implementation of reforms
Project Reports (DPRs) submitted by Urban Local Bodies (ULBs)/Implementing Agencies (IA). prepared on the basis of SECC.-2011, The Gram Panchayats will facilitate orientation of beneficiaries on different aspects Slum dwellers associations at slum level and Slum dwellers federation at city level must be created.
• SLAC submits the report to SLNA which further takes it to SLSMC for its approval. of the scheme. ULB’s 9-Self-help groups and area level federations created under National urban livelihood mission may be used for the purpose. ULB’s
• State Level Technical Cell (SLTC) established under SLNA holds the responsibility to provide 2- The Gram Panchayats would identify the families who are unable to construct houses on their own and help in getting 1-Implementation of approved projects National Steering Committee (NSC) : 1-implementation of approved projects
strategic coordination and support the houses of these families taken up for construction as a part of the mason training program. In case there are still some 2-Selection of beneficiaries It will lay down priorities and review overall progress and 2-selection of beneficiaries
• At State/ UT level, government departments such as Town Planning, Urban Development, Housing, beneficiaries left out, the Gram Panchayats shall help to get their house constructed. 3-Allotment of units based on lottery or the guidelines approved by implementing agency. development of the Mission. 3-allotment of units based on lottery or the guidelines approved by implementing agency.
Poverty Alleviation and Municipal Administration play a key role in proposal, approval and 3- The Gram Panchayats will assist in identifying common land available for allotment to the landless beneficiaries. 4-Layout approval by Central Sanctioning & Monitoring Committee (CSMC) : 4-layout approval by implementing agency
implementation of affordable housing projects. 4- The Gram Panchayats may facilitate beneficiaries in accessing materials implementing agency will oversee the activities of the Mission and will approve/consider the SFCPoAs and projects submitted for
Local required for construction at reasonable rates and help in identification of trained masons. slum redevelopment/ upgradation/relocation. three tier quality management system is mandatory
• At ULB level a City Level Technical Cell (CLTC) established in the ULBs/IA of the Mission Cities and is 5- The Gram Panchayats would facilitate beneficiaries in availing benefits Slum-free City Plans of Action (SFCPoA): – -developing agency
responsible for proper implementation of all PMAY projects including quality control. of other schemes of the Centre and State Government through convergence 1- Curative Strategy for slum -state level quality monitor
• The CLTC plays the key role of coordination and overseeing of the TPQMA on behalf of the ULB/IA redevelopment of all existing slums -nationally empaneled (TPIM agency -third party inspection and monitoring)
2- Preventive Strategy for containment of growth of future slums.

Incentives 1-In Situ Slum Redevelopment 1. The minimum unit (house) size is 25 sq.mt including a dedicated area for hygienic cooking. The Govt. of India will release the subsidy under VAMBAY to HUDCO, which will match the MoHUPA: 1-Dwelling units should be a mix of EWS/LIG/MIG All BPL or income less RS 32,000/- (Annual)
The private players will get additional FAR/FSI/TDR for making slum development projects viable. On 2. Rs. 12000/- for contruction of toilets and 90/95 days of unskilled wage subsidy on a 1:1 basis with a loan. The rate of interest on this loan will be same as the ra Reservation of 15% of residential FAR/FSI or 35% of dwelling units for EWS-300 sqft Selection is based on priority
an average INR 1 lakh per house would be admissible for all houses built for eligible slum dwellers in labour under MGNREGA over and above the unit cost is also provided to the beneficiary. te of interest charged by HUDCO under its EWS housing portfolio. HUDCO will release the EWS/LIG categories whichever is higher, with a system of cross-subsidisation in all future housing projects. LIG-600 sqft SC / ST 60%
all such projects subsidy and the loan directly to the State Nodal Agency. Rajiv Rinn Yojana (RRY): MIG-1200 sqft Non – SC / ST 40%
2-Credit-linked subsidy 3. Certified course on mason training has been designed on site to improve quality of homes At cost that permit repayment of home loans in monthly installments not exceeding 30% to 40% of the monthly income of the buyer. Disabled BPL 3%
scheme (CLSS): and enhance skills of participants. 4. The upper financial limit for construction of VAMBAY house will be It will provide interest subsidy of 5% on long tenure loans of 15-20 years limited to ` 5 lakh borrowed by the EWS/LIG; with 2-land costs -State/UT’s, DA/ULB’s Upgradation of
Beneficiaries of Economically Weaker section (EWS) and Low Income Group (LIG) seeking housing Orientation of beneficiaries is also being done to provide knowledge of cost of construction, typology, payment modules maximum Rs 40,000/- including provision for sanitary latrine for an area of not less than ceiling of ` 8 lakh loan for LIG making housing loan cheaper for this segment. By providing land at nominal, predetermined rates (not including more than the cost of acquisition and development cost of land) for specified Kucha houses subsidy 20%
loans from Banks, Housing Finance Companies and other such institutions would be eligible for an etc. 15 Sq.mt. Of which, 50% ie Rs 20,000/- is Central Subsidy and the remaining 50% may be Credit Risk Guarantee Fund (CRGF): housing. Minimum plinth 200 sq. fts.
interest subsidy at the rate of 6.5 % for a tenure of 15 years or during tenure of loan whichever is either grant from State Government or loan from HUDCO or grant with 50 : 50 sharing A Credit Risk Guarantee Fund has been 3-Planning mix layouts EWS/LIG/MIG/HIG/Commercial Unit cost plain construction and hilly construction -45,000/-
lower. The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9 - Beneficiaries living in plains can receive basis of Govt. of statel and Urban Local Body. created to guarantee the lending agencies for loans to new EWS/LIG borrowers in urban areas seeking individual housing Cross subsidizing through the premium earned on the sale of hig and commercial spaces. RS. and 48,500/- RS.
%. The credit linked subsidy will be available only for loan amounts upto Rs 6 lakhs and additional up to Rs. 1.2 Lakh loans 4-Reduced tax Support for upgradation 15,000/- RS.
loans beyond Rs. 6 lakhs - Beneficiaries living in North-Eastern, hilly areas, Integrated Action Plan (IAP), and difficult areas can avail reduced stamp duty LIG-2%, EWS-0% Laon up to 20,000/- RS. at 4% interest rate
3- Affordable up to Rs. 1.3 Lakh owing to this housing endeavour. 5-To promote EWS/LIG
housing in partnership (AHP): At present, as per Cross subsidize the cost of land, the project
data available from the Ministry of Rural Development, 1, 03,01,107 houses have been sanctioned in all states and UTs . Offer zoning incentives -land use conversion –additional FAR/FSI for the patch -with or without TDR based on market price and construction cost.
Central assistance is provided at the rate of INR 1.5 lac per EWS
house in private projects where at least 35% of the houses are constructed for the EWS category.

4-) Beneficiary-led construction

Number of or enhancement (BLC):
Approved:16,68,545 Completeded:3,19,397 Occuppied:2,78,023 Approved:7,88,235 Completeded:7,16,988 Approved:4,57,465 Completed: 3,18,930 Approved:1,41,848 Completeded:67,579 Occuppied:42,231 Completed: 1000383 Completed: 1450000
Houses This scheme involves central assistance of INR 1.5 lakh per family for new construction or extension
of existing houses for the EWS/LIG.
Coverage All 4041 statutory towns as per Census 2011 with focus on 500 Class I cities would be covered in 1. The scheme is applicable to all cities/UAs of the country. Megacities - 4mn+ -07
three phases 2. The scheme is applicable to all slums within a city, whether notified or Cities/ urban areas - 1mn to 4mn -28
non-notified Identified -34
(state capitals, religious, historic, touristic)

Constructed
Projects

EWS,VADODARA TELANGANA TELANGANA CHATTISGHARH Chhatharpura,

Major work done on states such as: CHHATTISGARH, UTTAR PRADESH, PUNJAB, JHARKHAND, TRIPURA, etc. Bagalkot ,Karnataka Siddappaji ,Karnataka Surat Ahmedabad,Gujarat Tandalja,Vadodra For Urban Poor at Ajmer-Pushkar Housing for Urban Poor at Bawana, Narela and Bhorgarh Asiana II, for poor of Shimla Jharkhand Kerala