New Delhi, 1st November 2017

Prime Minister’s Award for

Excellence in Public Administration

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‘Housing for All by 2022’

Ministry of Housing & Urban Affairs, Govt. of India

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• Pucca house to all eligible urban households by the year 2022

• Ownership of houses to be in the name of adult female member or in the joint name

• Flexibility to States - appraisal and approval at State level

• 100% houses with Toilets

All Statutory Towns (Census 2011)

Towns notified after Census 2011

Notified Development

Authorities (excluding rural areas)

Notified Planning Areas

PMAY (U) Coverage

PMAY (U) - Mission Highlights

Family comprising husband, wife and unmarried children

or

Adult earning member irrespective

of marital status

Beneficiary under PMAY (U) should belong toEWS, LIG or MIG category and should notown a pucca house anywhere in India

Beneficiary

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PMAY(U) Verticals

•Affordable housing in Partnership with privateor public sector

•Assistance of Rs. 1.5 lakh per EWS house.AHP

•Beneficiary-Led individual House Construction or Enhancement

•GoI grant @ Rs. 1.5 Lakh per HouseBLC

•Affordable housing through Credit linked Subsidy Scheme

•Upfront interest subsidy ranging from 3 to 6.5%CLSS

• In-Situ Slum Redevelopment using land as a resource

•GoI grant @ Rs. 1.00 Lakh per HouseISSR

PMAY

(U)

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PMAY (U) - Eligibility Criteria

CategoryAnnual Household

Income (Rs in Lakh)

Carpet Area of House

(Sq. m)

Eligible for Vertical

EWS (Economically Weaker Section)

upto 3 30AHP, BLC,

CLSS & ISSR

LIG (Lower Income Group)

3 - 6 60 CLSS

MIG-I (Middle Income Group)

6 - 12 90 CLSS

MIG-II (Middle Income Group)

12 - 18 110 CLSS

A citizen can become beneficiary under PMAY(U) if he/she belongs toEWS, LIG or MIG category as per the details below:

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PMAY (U) – Process Flow

Selection of Cities

by States / UTs

Consultation with

all Stakeholders

Signing of MoU

between CNAs and PLIs

Loan applications

Approval and Sanction

by PLIs after due

diligence

Release of

Loan Subsidy

Demand Survey by

State/ UTs

HFAPoA/ AIP/DPR

SLAC / SLSMC

approval

CSMC approval

Release of funds

from GoI

Project

Implementation

Random DPRs appraised

at MoHUPA level

State to fix timelines

on Mandatory ConditionsCLSS

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Credit Linked Subsidy Scheme (CLSS)

• Interest subvention on home loans taken by eligible urban poor (EWS/LIG) foracquisition, construction or enhancement of house

• For the first time, Middle Income Group (MIG) has been included for a housing schemein the country w.e.f. 1st Jan’ 2017

• Subsidy credited upfront to the loan account of beneficiaries through lendinginstitutions

• Highest ever payout of about Rs 1,300 Cr as interest loan subsidy to 65,000beneficiaries under CLSS for EWS/ LIG/ MIG category

Particulars EWS LIG MIG-I MIG-II

Annual Household Income

uptoRs 3.00 Lakhs

Rs 3.00-6.00 Lakhs

Rs 6.00-12.00 Lakhs

Rs 12.00-18.00 Lakhs

Size of House 30 sqm 60 sqm 90 sqm 110 sqm

Interest Subsidy 6.5% 6.5% 4% 3%

Eligible housing loan amount for interest subsidy

Rs 6.00 Lakhs Rs 6.00 Lakhs Rs 9.00 Lakhs Rs 12.00 Lakhs

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PMAY (U) - All India Progress (as on 1st Nov’ 17)

Inclusion of Cities

4,286Total Cities

468Class-I Cities

3,818Other Cities

Sanction of Houses

30.73 LakhTotal Houses

13.88 Lakh Houses Grounded

3.93 LakhHouses Complete

& Occupied

Funds Involved

Rs1,63,184 Cr

Total Investment

Rs47,558 Cr

Ctrl. Assistance

Rs12,397 Cr

Funds Released

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Glimpses of Best Practices under PMAY (U)

• Demand Saturation: Tripura has taken most systematic and city-wideapproach in implementation of PMAY (U). Tripura is a saturated Statewith more than 90% houses sanctioned against the demand.

• ICT Initiatives: Mobile App for PMAY (U) developed by Assam andHaryana. Online dashboard being used by Odisha for publishinginformation related to the mission.

• Validation Methodology: Multi-level online validation processadopted for beneficiary selection by the city of Vishakhapatnam.Beneficiary Allotment System (BAS) being used in Gujarat.

• Emerging Technologies: States of Andhra Pradesh, Chhattisgarh,Gujarat, Kerala, Maharashtra & Odisha are using emerging andenvironment friendly technologies for construction under PMAY (U)

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Ways to improve the performance of Districts

1. Support in Planning

• Supports IEC activities at the district level to sensitize Beneficiaries,bankers and builders.

• Facilitate inclusion of PMAY as a priority programs at the district leveland sensitize District Level Banking Committee (Chairman)

• Monitor and review the progress of HFAPoA, AIP and DPR preparationaccording to demand assessment for ULBs in the district.

• Monitor progress on implementation of MandatoryConditions/Reforms defined in the Mission to facilitate growth ofhousing sector.

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Ways to improve the performance of Districts

2. Monitoring

• Ensure expeditious completion of demand assessment for housing inthe district

• Monitor that disbursement of subsidies to beneficiaries is done intime through DBT.

• Redress grievances at district level.

• Ensure the role of Banks in implementation of CLSS at district leveland also monitor in the regular review meetings of District LevelBankers’ Committee

• Conduct regular field visits and review meetings for monitoring theprogress and quality of houses being constructed under PMAY (U)

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Parameters for Evaluation - DMs/DCs

I. PMAY (Urban)

– Conducting demand survey and validation of demand w.r.t

total demand (CSC, Online, ULB)

– Houses sanctioned, completed & occupied w.r.t the total

houses validated

– No of slums redeveloped vis-à-vis total slums.

– Number of slums de-notified & slums dwellers rehabilitated.

– Innovative housing technologies used for meeting demand for

houses.

– Utilization of PMAY MIS website for monitoring & evaluation.

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Parameters for Evaluation - DMs/DCs

II. Convergence with other flagship programmes such as

Swachh Bharat, AMRUT, NULM and etc

III. Information Education & Communication (IE&C) activities

for promotion of schemes

IV. Redressal of grievances and addressing the queries of

people

V. Innovations adopted in implementation of scheme.

VI. Transparency/Accountability in implementation of the

scheme

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Call for more Participation

• The District Collector plays an important role in identification ofeligible beneficiaries for saturating the housing demand in thedistrict.

• The District Collector plays a pivotal role in monitoring progress,facilitating convergence and addressing grievances at the district level.

• The District Collector as the Revenue head also facilitates land relatedactivities like identification & acquisition of private / Government /vacant lands for the various proposed housing interventions.

• As Chairman of financial committees / Banking Committees andDistrict Urban Development Authorities, the District Collector enablesprivate participation and bank linkages for in situ redevelopment /CLSS verticals.

In the context of PMAY(U), the District Collector could be the guiding force for the ULBs in implementation of the scheme.

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Thank You