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Pradhan Mantri Awas Yojana (Urban)

1. Earlier India had Indira Gandhi housing scheme (Indira Awas Yojana) and Rajiv Gandhi housing scheme.

2. Jawahar Lal Nehru National Rural Urban Mission (JNNURM) was also launched as a massive city modernization programme in 2005.

What is PMAY?

1. It is an initiative of the Government of India launched in 2015 to provide affordable housing to the poor.

2. It comes under the Ministry of Housing and Urban Affairs

3. It has a target of building 20 crore houses by March 2022 so as to provide pucca houses for All.

4. It includes PM Awas Yojana (Urban) and PM Awas Yojana (Rural).

Who are the beneficiaries of the scheme?

1. Economic Weaker Section: Annual income up to Rs 3 lakh

2. Low Income Group: Annual income Rs 3 lakh – Rs 6 lakh

3. Middle Income Group: Annual income between Rs 6 lakh – Rs 12 lakh and Rs 12 lakh – Rs 18 lakh.

4. Various categories of people are benefitted- senior citizens, construction workers, domestic workers, artisans, Differently Abled People, etc.

Why is PMAY significant?

1. Housing is an important need for everyone and essential for human well-being.

2. A proper housing facility helps in better education of children.

3. PMAY is converged with other schemes such as Saubhagya Yojana electricity connection, Ujjwala Yojana LPG connection, access to drinking water, Jan Dhan bank facilities, etc.

4. It decentralizes implementation by including Urban Local Bodies (ULBs) to ensure better delivery of the scheme.

5. It works with the help of private participation for slum rehabilitation.

6. It provides credit-linked subsidy for individuals for construction of houses.

Which are the challenges?

1. Availability of land

2. Slum rehabilitation is difficult

3. High cost of construction

4. Proper monitoring of construction activities.

How is PMAY (U) being implemented?

It has 3 phases:

1. Phase I: April 2015 to March 2017 to cover 100 cities

2. Phase II: April 2017 to March 2019 to cover additional 200 cities

3. Phase III: April 2019 to March 2022 to cover the remaining cities.

4. So far, 1 crore homes have been improved against total demand of 1.12 crores for PM Awas Yojana (Urban).