Pradhan Mantri Awas Yojana, Affordable Houses For All
Post on 14,May 2017   6:00 AM
By - PolyEyes Staff
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Government recently announced two new housing schemes under the Pradhan Mantri Awas Yojana, to help the middle class and the poor buy or build homes. The vision is to provide affordable housing solutions to all Indian citizens.

The scheme will be laid out in 3 phases to achieve a target of almost 2 crores houses specially catering to the economically weaker section (EWS) and lower income group (LIG).Estimated time for the completion of this project is 7 years. It will be covering around 100 cities in first phase, 200 cities in second phase and remaining cities in last phase.

 Main Features of this scheme are:

  •  The number of houses being built for the poor, in rural areas, is being increased by 33 per cent.
  • Subsidized loans will be made available for building or expanding homes in rural India and to urban poor.
  • Interest subvention of 4% on loans of up to 9 lakh rupees and 3% on loans of up to 12 lakh rupees.
  • Under the new scheme of housing for all 2022, the central assistance per house for EWS has been planned to increase to 1.5 lakh rupees from 70,000 rupees.
  • Under the scheme the central government will be granting an average of INR 100,000 to each beneficiary.
  • Apart from that a central govt. funded financial aid of 150000 will be provided to beneficiaries for promotion of housing stock, however one needs to keep in mind that 35 % of the housing units are preserved for people belonging to EWS category.
  • Eligible poor from urban sectors of the nation will get INR 150,000 central funding in case they want to build their own house or make some kind of renovation.
  • Lower than market price makes it affordable for buying or making houses registered under such government schemes offer various benefits, including pricing, location and security of investments.
  • Easy and quick legal clearances are also ensured as the govt. ensures these things before putting the properties for sale.
  • Rural housing schemes can give a boost to employment for the locals.

Challenges and ways to combat it:

  • Availability of land and its acquisition is the biggest impediment therefore recently PM has asked for details of all the unoccupied space in and around government colonies, as these areas are already facilitated with basic amenities and can be converted usefully.
  • Exclusion and inclusion errors in selection of beneficiaries due to faulty BPL lists. Such schemes generally concentrate just on house construction and lack other amenities and facilities like drinking water, electricity supply, cooking gas etc. when compared to private developers. Therefore certain compensation regarding these facilities can be clubbed in with this scheme so as to make living easy and scheme more planned.
  • Sub- standard construction quality of government schemes can turn houses as poor investments for the long term so a closer vigilance should be ensured. Lack of monitoring of the implementation of these schemes and presence of corruption. In many cases houses were not built in spite of release of funds to the beneficiary.
  • Large section of migrants such as in New Delhi and Mumbai, are left out because of allocation generally on domicile basis. They should be given a clear identity and schemes to control the unplanned highly erratic migration.
  • Slow pace of the implementation of the schemes. As 4.4 million new rural houses for poor have to be built this year but rural development ministry has built just 1.1 to 1.8 million houses annually in the last five years. Therefor the target really appears a big thing to achieve owing to the previous statistics.

ConclusionEffective targeting of beneficiaries is required before releasing funds under the scheme. Is needed. A tight eye on capacity building of PRIs and ULBs to ensure proper implementation and monitoring of schemes can yield performance efficiency.Convergence of unskilled construction work with NREGA and encouraging participation of private sector can address management and manpower issues like scarcity of labor and high labor cost, and provide efficient water, electricity and other amenities.




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