Pradhan Mantri Awas Yojana – Housing For All

Pradhan Mantri Awas Yojana  was an initiative of the Indian government to establish housing facilities for slum dwellers. It was launched by the Ministry of Housing and urban poverty Alleviation (MoHUPA) with an aim Housing for all by 2022 when the Nation celebrates 75 years of its Independence.

This scheme is for both the people residing in urban and rural areas.

Significance of Pradhan Mantri Awas Yojana

1. Housing is one of the basic requirements for human survival.
2. For a normal citizen of any country owning a house provides them economic and social security and status in society.

Pradhan Mantri Awas Yojana – Gramin

Objective:

To provide pucca house to all who are houseless and living in dilapidated houses in rural areas by 2022.

Funding Pattern:

Under Pradhan Mantri Awas Yojana, the cost of assistance is to be shared between Central and State Governments in the ratio 60:40 in plain areas and 90:10 for North Eastern and hilly states.

The assistance given to beneficiaries under this scheme is Rs 1,20,000 in plain areas and to Rs 1,30,000 in hilly states/difficult areas.

The beneficiary can take loan of up to Rs.70,000/- for construction of the house which is optional.

Funds will be transferred electronically directly to the account of the beneficiary.

Pradhan Mantri Awas Yojana – Urban

​​​​​​​“Housing for All” Mission in urban areas is being implemented during 2015-2022 and this Mission will provide central assistance to implementing agencies through States and UTs for providing houses to all eligible families/beneficiaries by 2022.

Coverage and Duration

• All 4041 statutory towns as per Census 2011 with focus on 500 Class I cities would be covered in three phases as follows:
  • Phase I (April 2015 – March 2017) to cover 100 Cities selected from States/UTs as per their willingness.
  • Phase II (April 2017 – March 2019) to cover additional 200 Cities
  • Phase III (April 2019 – March 2022) to cover all other remaining Cities.

Eligibility for Pradhan Mantri Awas Yojana

1. The maximum age limit of the beneficiary is 70 years.
2. The beneficiary should have a family that comprises of husband, wife and unmarried children.
3. The beneficiary must not own a Pucca House either in their names or in the name of any member of the family in any state of India.
4. There should be one adult female member in the family for the ownership of the house.
5. The annual income should be between 3 lakhs to 6 lakhs if the beneficiary is from LIG (Low Income Group).

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