Pradhan Mantri Awas Yojana (PMAY-U)

&DAY – NULM

Shri. S. Harikishore IAS Executive Director

KUDUMBASHREELocal Self Govt. Department

Govt. of Kerala

1

PART I

PMAY CREDIT LINKED SUBSIDY SCHEME

(CLSS)

2

Housing for All -Overview• Housing for All by 2022

• State level launch held on 8th December, 2015

• Mission to cover all statutory towns and beneficiaries belonging to EWS,

LIG MIG1 & MIG2 categories.

• Mission has four components:

1. “In situ” Rehabilitation of existing slum dwellers using land as a

resource through private participation –(for EWS)

2. Credit Linked Subsidy (CLS) –(for EWS,LIG.MIG1&MIG2)

3. Affordable Housing in Partnership –( for EWS,LIG )

4. Subsidy for beneficiary-led individual house construction or

enhancement. –(for EWS)

• Credit Linked subsidy component is a Central Sector Scheme while other

3 to be implemented as Centrally Sponsored Scheme. 3

Four vertical components

“In-situ” using land as a resource with private participation

Extra FSI/FAR and TDR if required GoIgrant Rs. 1 lakh per house

Slum Redevelopment

Affordable Housing through

Credit Linked Subsidy

Affordable Housing in

Partnership

Subsidy for beneficiary-led

housing

Subsidy for EWS and LIG for new house or incremental housing

Upfront subsidy @ 6.5% for EWS and LIG for loans upto Rs. 6 lakh, calculated at NPV basis

With private sector or public sector including Parastatalagencies

Central Assistance of Rs. 1.5 lakh per EWS house in projects where 35% houses for EWS category.

For individuals of EWS category for new house or enhancement .

Cities to prepare a separate integrated project for such beneficiaries.

Central assistance of Rs.1.5 lakh per beneficiary. 09-Oct-2017 4

Credit linked Subsidy Scheme (CLSS)

Particular EWS LIG MIG1 MIG2

Annual Income Rs in lakh Upto 3 Lakhs3-6 Lakhs

6-12Lakhs12-18 Lakhs

Interest subsidy(%) 6.5% 6.5% 4% 3%

Maximum Loan tenure 20Yrs 20Yrs 20Yrs 20Yrs

Eligible Housing Loan amount

6 Lakhs 6 Lakhs 9 Lakhs 12 Lakhs

Dewlling Unit carpet Area 30 SqM 60 SqM 90 SqM 110 SqM

Discount Rate for Net Present Value (NPV) calculation of interest subsidy

9% 9% 9% 9%

09-Oct-2017 5

PMAY DEMAND AS PER DEMAND SURVEY

VERTICAL DEMAND

Subsidy for beneficiary-led individual house construction or enhancement. –(for EWS)

81511

Credit Linked Subsidy (CLS) –(for EWS,LIG.MIG1&MIG2) 67503

Affordable Housing in Partnership –( for EWS,LIG ) 33213

“In situ” Rehabilitation of existing slum dwellers using land as a resource through private participation –(for EWS)

148

TOTAL 182375

09-Oct-2017 6

CLSS - DISTRICT WISE DEMAND

09-Oct-2017 7

SL.NO DISTRICT DEMAND1 TRIVANDRUM 6191

2 KOLLAM 8003

3 PATHANAMTHITTA 1552

4 ALAPPUZHA 4193

5 KOTTAYAM 2126

6 IDUKKI 1602

7 ERNAKULAM 16729

8 THRISSUR 5240

9 PALAKKAD 5160

10 MALAPPURAM 5327

11 KOZHIKODE 3716

12 WAYANAD 3959

13 KANNUR 3512

14 KASARGOD 192

TOTAL 67503

LOAN SANCTIONED UNDER CLSS - NHB

09-Oct-2017 8

NO BANK NO. OF LOAN LOAN AMOUNT SANCTIONED

SUBSIDY RELEASED

PUBLIC SECTOR BANKS1SBI 50 48598500 85214142CANARA 66 40536000 121129363PANJAB NATIONAL BANK 37 28338104 68171074UCO BANK 37 27595000 54663195ANDHRA BANK 10 7750000 17525446ALAHABAD BANK 9 5950000 9837757UNION BANK OF INDIA 4 2260000 6067868CORPORATION BANK 3 1749000 3452959UNITED BANK OF INDIA 2 1200000 405369

10ORIENTAL BANK OF COMMERCE 2 1832800 43286711INDIAN BANK 1 1000000 214931

TOTAL 221 166809404 37659343

PRIVATE SECTOR BANKS1AXIS BANK 200 243644479 398990542ICICI 8 10748420 16688303KARNATAKA BANK 1 600000 2192484CATOLIC CYRIYAN BANK 1 1000000 217557

TOTAL 210 255992899 42004689PLI HFC

1DIWAN HOUSING FINANCE CORPORATION 7 5320792 1271595

2DHFL VYSYA HOUSING FINANCE 23 19633000 41242513HOUSING AND URBAN DEVELOPMENT CORPORATION 6 6591507 1185173

4HOUSING DEVELOIPMENT FINANCE CORPORATION 19 33885000 4053500

5ICICI HOME FINANCE COMPANTY LIMITED 12 12699785 2269144

6INDIA INFOLAINE FINANACE LIMITED 5 6133569 9497367LIC HOUSING FINANCE 30 18170000 48009088REPCO HOME FINANCE 1 500000 1795789SRIRAM HOUSING FINANCE 1 791000 85179

10SUNDARAM BNPPARIBAS HOME FINANCE 4 3412000 749645

TOTAL 108 107136653 19668709

PLI RRB1KERALA GRAMIN BANK 76 52500000 11634073

TOTAL 76 52500000 11634073

GRAND TOTAL 615 582438956 110966814

CLSS -HUDCO

09-Oct-2017 9

SL.NO DISTRICT No. of Loan

1Vijaya bank 174

2South Indian Bank 48

3Dhanlekshmi Bank 7

4State co-operative Bank 28

5Central bank 37

TOTAL 294

SUBSIDY RELEASED UNDER CLSS

09-Oct-2017 10

No. of Loan

HUDCO 294

NHB 615

TOTAL 909

LOAN SANCTIONED UNDER CLSS 2783

Issues

• Most of the Urban Local Bodies haveconducted Loan Melas attended by manypeople, but the result is just 2 to 5%.

• Banks are showing stringent attitude insanctioning loans to EWS/LIG category.4 wheeler access to the plot, submission of ITreturns, Minimum Plot size of 3 cents of landetc are being insisted by Banks, which arecreating difficulty to the most vulnerablecategory.

09-Oct-2017 11

WAY FORWARD

• Conversion of Existing Housing Loan to CLSS

• Special Focus on Target Groups like Police, Teachers, Govt. employees etc (on MIG)

• District level camps by banks/financial institutions

• IEC campaign through FM Radio

09-Oct-2017 12

Kudumbashree, Local self Govt Dept., Govt of Kerala

CLSS House PurchasedThrissur

Part II

NULM

Self Employment Programme

&

Bank Linkage

Target vs achievement for the financial year 2017-18

Sl.No Component

TargetAchievement (as on

30th September 2017)

Physical

Financial (Rs in lakhs) Physical

Financial (Rs in lakhs)

1Self Employment Programme-Individual 800 - 100 -

2 Self Employment Programme- Group 300 - 10 -

3 New NHG bank linkages 3215 32150 2874 12785.8

4 Interest subsidy for NHGs on linkages 6800 1773.98 3335 354.34

5Enterprises in receipt of interest subsidy - - 75 3.00

09-Oct-2017 15

Status of SEP applications ( As on

30th September 2017)

09-Oct-2017 16

Individual Group

No of beneficiaries identified via campaign 3403

No of applications received 1589 148

At Banks (Pending) 365 25

At ULBs(Pending) 411 30

At CDSs( Pending) 813 93

Status of pending applications district wise in banks for more than three months

09-Oct-2017 17

Sl.No Banks Pending applications (nos)

1 Union Bank 63

2 Canara Bank 39

3 Indian Bank 31

4 SBI/ SBT 18

5 Central Bank of India 12

6 IOB 12

7 Syndicate Bank 11

8 Corporation Bank 7

9 Federal Bank 6

10 KGB 6

11 Punjab National Bank 6

12 Co-operative banks 5

13 Bank of India 4

14 Oriental Bank of Commerce 2

15 UCO Bank 2

16 Bank of Baroda 1

17 Dena Bank 1

18 HDFC 1

19 ICICI 1

20 Vijaya Bank 1

Total 229

Issues at field level

Pendency of application at banks for more than 2 months

Grameen Banks-

– Loan limit is Rs.1.70 lakhs (Banks rejects applications if the claim is more)

– Loan repayment period is 5 years minimum (early repayment period is not possible)

09-Oct-2017 18

Housekeeping Team , Cochin shipyard

Monday, 09 October 2017 19

IT unit

Monday, 09 October 2017 20

Health Club

Monday, 09 October 2017 21

Railway Premium Customer Lounge

Monday, 09 October 2017 22

Hollow Bricks

Monday, 09 October 2017 23

All Women Construction Team

Monday, 09 October 2017 24

Painting Team

Monday, 09 October 2017 25

Day care & Play School

Monday, 09 October 2017 26

Mineral Water Plant

Monday, 09 October 2017 27

Railway Parking

Monday, 09 October 2017 28

Women Auto Service

Monday, 09 October 2017 29

Santwanam- Health Sector Enterprise

Monday, 09 October 2017 30

Beauty Parlour

Monday, 09 October 2017 31

Women’s Hostel

Monday, 09 October 2017 32

Canteen Unit

Monday, 09 October 2017 33

Apparel Unit

Monday, 09 October 2017 34

Kudumbashree Matrimonial Service

Monday, 09 October 2017 35

Straw Picture

Monday, 09 October 2017 36

Terrace Farming

Monday, 09 October 2017 37

Ethnic Foods

Monday, 09 October 2017 38

09-Oct-2017 39