Pradhan Mantri Awas Yojana (PMAY)• Scheme was launched in 2015

• Objective : To improve the availability of housing to urban poor.

• Target Group : Economically Weaker Sections (EWS), and Low Income

Group (LIG) people living in the urban areas.

• Target : To provide 20 million housing units and take up slum

rehabilitation projects.

Pradhan Mantri Awas Yojana

PRADHAN MANTRI AWAS YOJANA : In-Situ Slum Redevelopment

LIST ALL SLUMS(Use Census 2011 as basis)

COLLECT DATA FOR ALL SLUMS

Analyse Slum Data to list Tenable and

Untenable Slums

Analyse tenable slums tofor financial and technical viability of “insitu”

Slum redevelopment on PPP basis using land as a resource ( additional FSI/FAR, TDR etc. & other incentives

at States/ULB Level)

Phasing of Slum Redevelopment over period of mission and development of projects and inclusion in

PMAY – HFA(U)

Adopt otherstrategies

available under Mission

Use existing SFCPoA

Prepared under RAY

Adopt other strategies to take care of housing

needs in such slums

UnviableSlums

UntenableSlums

“IN-SITU” SLUM REDEVELOPMENT

• Under this method the value of the land is used to improve the housing conditions

• This method involves the private participation for the construction and implementation of the scheme.

• To make these projects financially viable, extra FSI, TDR, FAR, will be given to the private institution

Viable Slums

Tenable Slums

PRADHAN MANTRI AWAS YOJANA - Credit Linked Subsidy Scheme

SELF-CERTIFICATE/AFFIDAVITAS PROOF OF INCOME

(REF PARA 5.10)

INDIVIDUAL HOME LOAN APPLICATION

DECISION ON LOAN(EWS-CARPET AREA

30SQM/LIG –CARPET AREA 60SQM)

(REF PARA 5.3, 5.8)

BANK

-SANCTION OF CREDIT LINKED SUBSIDY @ 6.5% FOR LOAN UPTO RS 6 LAKH LOAN

BEYOND RS 6 LAKH AT NORMAL INTEREST RATE -

PLIs SUBMITTING CLAIM TO CNA

APPROVAL OF CLAIMS BY CNA

CNA WILL RELEASE THE SUBSIDY AMOUNT TO PLIs DIRECTLY BASED

ON THE CLAIMS SUBMITTED ON THE TOTAL LOANS DISBURSED

CREDIT LINKED SUBSIDY DEPOSITED BYPLIs LOAN ACCOUNT OF BENEFICIARY

DIRECTLY OR THROUGH THE ULB OR THE LOCAL

AGENCIES IDENTIFIED BY THE STATE / ULB

QUARTERLY INFORMATION OF BENEFICIARY WITH AADHAAR /VOTER ID/ANY UNIQUE IDENTITY NO. OR CERTIFICATE OF HOUSE

OWNERSHIP FROM REVENUE AUTHORITY OFBENEFICIARY'S NATIVE DISTRICT NUMBER TO

SLNA OR DEDICATED AGENCY FOR VALIDATION

CREDIT - LINKED SUBSIDY SCHEME:

* It will be provided on home loans to eligible urban poor (EWS/LIG) for acquisition, construction of house.

* Beneficiaries of EWS and LIG seeking housing loans from are eligible for an interest subsidy at the rate of 6.5% for tenure of 15 years or during tenure of loan whichever is lower.

FUNDS FROM GOL TO CNA -ADVANCE SUBSIDY WILL BE RELEASED TO EACH CNA AT THE START OF THE SCHEME-SUBSEQUENT AMOUNTS AFTER 70%

UTILIZATION(REF PARA 15.1 , 15.3)

Validation of Beneficiary

PRADHAN MANTRI AWAS YOJANA - Affordable Housing in Partnership

PROJECT IMPLEMENTED BY

STATES/UTS/ULBS/PARASTATALS WITH NO PRIVATE SECTOR

STATE/UTS/ULBS/PARASTATALS WITH PRIVATE SECTOR

ALLOTMENT OF HOUSES BY

STATES/UTS/ULBS/PARASTATALS

PRIVATE PARTNER AS AUTHORIZED TO SELL

EWS HOUSE TO ELIGIBLE BENEFICIARIES

SALES PRICE TO BE FIXED BY STATE ON THE BASIS OF

NO PROFIT NO LOSS

THROUGH OPEN TRANSPARENT

PROCESS FACTORING ON INCENTIVES PROVIDED BY

CENTRE/STATE/ULB

AFFORDABLE HOUSING IN PARTNERSHIP:

* Financial assistance to EWS houses being built with different partnerships by States/UTs/Cities.

* To increase housing for EWS at an affordable rate, States/UTs, either through its agencies or in partnership with private sector including industries, can plan affordable housing projects.

* Central Assistance at the rate of Rs. 1.5 Lakh per EWS house would be available for all EWS houses in such projects.

ALLOTMENT OF HOUSES BY

PRADHAN MANTRI AWAS YOJANA - Beneficiary Led Construction

INDIVIDUAL HOME LOAN APPLICATION

PROPOSAL TO ULB FOR CONSTRUCTION OF NEW HOUSE OR ENHANCEMENT (PARA 7.1

OF GUIDELINES)

VERIFICATION OF THE BENEFICIARY AND PROPOSAL BY ULB OR IMPLEMENTING AGENCY

PREPARATION OF PROJECT BY ULB/IMPLEMENTING AGENCY BASED ON

APPLICATIONS FRO BENEFICIARIES(REF PARA 7.3, 7.5, 7.6)

NON SLUM

BELONGING TO SLUMS NOT BEING

TAKEN UP FOR REDEVELOPMENT

APPROVAL BY SLSMCPROJECT INFORMATION

TO CSMC

RELEASE OF CENTRAL SUBSIDYTHROUGH STATE GOVERNMENT

(LAND OWNERSHIP, BUILDING PLAN ETC.)

(PARA 7.2 OF GUIDELINES)

Beneficiary-led individual

house construction or enhancement:

* Assistance to individual eligible families belonging to EWS categories to construct new house or to enhance existing houses on their own to cover the beneficiaries who are not able to take advantage of other components of the mission.

*. Such families may avail of central assistance of Rs. 1.5 lakh for construction of new houses under the mission.

PRADHAN MANTRI AWAS YOJANA – Housing for All Plan of Action

DEMAND ASSESSMENT VALIDATION OF BENEFICIARY AND CATEGORIZATION OF INTENDED

BENEFICIARY AMONGST AVAILABLE OPTION

CREDIT LINKEDSUBSIDY FOR NEW HOUSES

OR EXTENSION/EXPANSION,

REPAIR

AFFORDABLE HOUSING IN

PARTNERSHIP

INDIVIDUALHOUSE

CONSTRUCTIONOR

ENHANCEMENT

PREPARATION OF HFAPOA

List All Slums(Use Census 2011 as basis)

COLLECT DATA FOR ALL SLUMS

Use existing SFCPOAPrepared under RAY

PHASING OF SLUM REDEVELOPMENTOVER PERIOD OF MISSION AND

DEVELOPMENT OF PROJECTS ANDINCLUSION IN HFA

ANALYSIS OF SLUM DATA TO LIST

TENABLE ANDUNTENABLE SLUMS

ANALYSIS OF ALL TENABLE SLUMS TO EXAMINEFINANCIAL AND TECHNICAL VIABILITY OF

“IN-SITU” SLUMREDEVELOPMENT OF PPP BASIS USING LAND AS A RESOURCE

(CONSIDER ADDITIONAL) FSI/FAR,TDR ETC. & OTHER INCENTIVES AT STATES / ULB LEVEL

OR

Adopt other strategiesAvailable under Mission

PHASING OF SLUM REDEVELOPMENTOVER PERIOD OF MISSION AND

DEVELOPMENT OF PROJECTS ANDINCLUSION IN HFA

Implementation of AIP

Untenable Slums

Tenable Slums

Adopt otherstrategies to takeCare of housing

need of slumDweller

Untenable Slum

Viable Slum

HFAPoA

Revisio

n in

HFA

Po

A o

n th

e basis o

fIm

plem

entatio

n o

f AIP

Slum Dwellers Other Urban Poor

Housing demand Assessment: The adopted methodology should be in

tune with the recommended guidelines contained para 8.3 of the PMAY-

HFA scheme guidelines of March 2016. This section describes the

process of demand assessment as per these guidelines.

• Demand survey to be conducted in the entire municipality by inviting

applications from urban poor living in kutcha/semi-Pucca houses and

belonging to the Economically Weaker Section (EWS) for availing

House under Pradhan Mantri Awas Yojana – Housing for All (Urban).

• The first notification Should be issued, which should be publicized

through different media, viz. leading local daily newspaper, up-loading

on Municipal Corporation Website; door-to-door loudspeaker publicity;

word-of-mouth publicity by elected representatives (Councilors & ward

members), social workers, NGOs, etc.

• The application format as per Annexure – 4 Format A and B should be

made available through the Corporation office, website, the municipal

councilors.

Pradhan Mantri Awas YojanaHousing Demand Assesment

• All the applications should be subsequently scrutinized and also

crossed-verified with SECC, 2011 data.

• Applications having discrepancies with the SECC data, needed

further verification through field visits.

• 1st Preliminary list of beneficiaries Should be published, claims

should be invited, objections from the public to the said list. The

notification should also published through newspaper, door-to-door

loudspeaker publicity, website, Word of mouth by municipal

councilors etc.

• Claims and objections were received in response to the above

notification should be considered.

• The second notification if need should also be released, in the

similar manner to 1st notification.

Pradhan Mantri Awas YojanaHousing Demand Assesment

• The application format as per Annexure – 4 Format A and B should

made available through the Corporation office, Ward Office,

Municipal Corporation Website.

• Similar Exercise should be carried our for scrutiny, filed verification,

claims and objections.

• Final list of beneficiaries Should be published, claims should be

invited, objections from the public to the said list. The notification

should also published through newspaper, door-to-door loudspeaker

publicity, website, Word of mouth by municipal councilors etc.

• Therefore it is concluded that the demand for Housing in municipality

is Complete

Pradhan Mantri Awas YojanaHousing Demand Assesment

Pradhan Mantri Awas YojanaFormats For HFAPoA

Pradhan Mantri Awas YojanaFormats For HFAPoA

Pradhan Mantri Awas YojanaFormats For HFAPoA