After the initiation of the National Housing Policy and establishment of the National Housing Bank in the 80s, numerous housing programmes for the underprivileged have been initiated by the governments both at the Centre and in the States. Many of the schemes were visionary and yet the targets seldom saw the finishing line.
The NDA government’s Pradhan Mantri Awas Yojana (PMAY-Urban) covering almost all the towns as per the 2011 census, seems to have set new records. The programme that aims to provide housing for all has been in operation from June 17, 2015 and designed to go on till March 31, 2022 when the nation will be celebrating the 75th anniversary of Independence. A recent release from the Union Ministry of Housing and Poverty Alleviation reports that at one go, projects covering 1 lakh houses in six states with an outlay of Rs. 4,200 crore have been sanctioned, making it a milestone in India’s housing development plans.
Specialties of PMAY(U) 2015
The program was meant for Economically Weaker Sections (EWS) in every town and comprise settlements with a minimum of 50-60 families. The plans are prepared based on demand in each location and it’s mandatory for all beneficiaries to have a Jan Dhan Yojana account and Aadhar linkage. There are four verticals: slum redevelopment, affordable housing through credit linked subsidy, individual housing construction, and enhancement based on family size, income.
It comprises the following: a survey of the center, collection of master data, identification of projects based on demand, preparation of plan and submission for sanction, the signing of Memorandum of Understanding between Housing Ministry and State govt. / Union Territory / Urban Local Bodies, a tie-up with the central nodal agency,viz., NHB or HUDCO, the opening of Jan Dhan Yojana bank accounts, Aadhar link, and the plan of action.
1. Annual implementation plan.
2. Pucca projects, formulated based on actual demand.
3. Involvement of State governments/ Union Territories/ Urban Local Bodies / Public Sector Undertakings.
4. Improvement in construction technologies, application of green building concepts.
5. Fool-proof monitoring systems.
6. Aadhar linkage-based subsidy release system.
7. Inter-ministerial convergence mainly with Ministry of Railways and Defence who own land in abundance.