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Pradhan Mantri Awas Yojana _ Complete Analysis _ 2019 __

Original link: https://www.dailymotion.com/video/x7sbfw8

The #PradhanMantriAwasYojana (PMAY) has been introduced by Prime Minister, Narendra Modi on 1 June 2015. #PMAYScheme is an initiative provided by the Government of India which aims at providing affordable housing to the urban poor. The mission is to provide housing for all by the year 2022, by that time Nation completes 75 years of its Independence.

Under this scheme, affordable houses will be built in selected cities and towns using eco-friendly construction methods for the benefit of the urban poor population in India.
Beneficiaries Under the Pradhan Mantri Awas Yojana
A beneficiary family will comprise husband, wife, unmarried sons and/or unmarried daughters.
Beneficiary family should not own a pucca house either in his/her name or in the name of any member of his/her family in any part of India
Identification and Selection of Beneficiaries under PMAY
The Pradhan Mantri Awas Yojana (Urban) scheme caters mainly to the housing requirements of the urban poor. The scheme also caters to the housing requirement of slum dwellers residing in confined areas of slums with inadequate infrastructure, poor sanitation and drinking facilities.
Beneficiaries of PMAY(U) mainly include Middle Income Groups (MIGs), Low-income Groups (LIGs) and Economically Weaker Section (EWS). While the annual income for EWS category beneficiaries is capped at Rs.3 lakh, the annual income of LIG and MIG beneficiaries can range between Rs.3-6 lakh and Rs.6-18 lakh respectively.
While the beneficiaries from the EWS category is eligible for complete assistance under the scheme, beneficiaries from LIG and LIG categories are only eligible for the Credit Linked Subsidy Scheme (CLSS) under PMAY.
In order to be recognised as a LIG or EWS beneficiary under the Scheme, the applicant is required to submit an affidavit as income proof to the authority.
Understanding Pradhan Mantri Awas Yojana
Under PMAY Scheme, subsidy interest rate is provided at 6.50% p.a. on housing loan for the term of 20 years to all the beneficiaries.
Differently abled and senior citizens will be given preference in allocation of ground floors.
Sustainable and eco-friendly technologies would be used for construction.
The scheme covers entire urban areas in the country which includes 4041 statutory towns with the first priority given to 500 Class I cities. This will be done in 3 phases.
The credit linked subsidy aspect of the PM Awas Yojana gets implemented in India in all statutory towns from the initial stages itself.
Objectives of #PMAYScheme
Based on recent estimates, as of September 2016, the population of the urban dwellers in India increased at an alarming rate and is expected to see a greater rate of growth in the following years. It is said that by 2050, urban dwelling population will rise to 814 million
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