PRADHAN MANTRI AWAS YOJANA (Syllabus: GS Paper 2 – Government Scheme)

Context: As the current Union government completes two terms, one of its flagship programmes was Housing For All (HfA) by 2022, both in urban and rural areas, planned under the PMAY (Pradhan Mantri Awas Yojana) scheme in 2015.

Pradhan Mantri Awas Yojana Scheme 

• About: The PMAY is a centrally sponsored scheme.
• Funding: Both the Union and the State governments are supposed to financially contribute to it.
• Objectives:

o Rehabilitation of slum dwellers with private developers’ participation.

o Promotion of affordable housing for the weaker sections through Credit Linked Subsidy Schemes (CLSS).

o Affordable housing in partnership with public and private sectors.

o Subsidy for Beneficiary-led Construction (BLC).

• Extension Granted: The government approved an extension of PMAY-Urban (PMAY-U) up to December 31, 2024, to complete houses sanctioned till March 31, 2022.

Pradhan Mantri Awas Yojana - Gramin

• Launched: In 2016 to address the housing gaps existing in the rural areas.
• Ministry Involved: Ministry of Rural development.
• Aim: To provide a pucca house with basic amenities to all rural families who are homeless or living in kutcha or dilapidated houses by 2022.
• Beneficiaries: SCs/STs, former bonded laborers, non-SC/ST populations, widows or the next-of-kin of defense personnel who died in action, ex-servicemen and retired paramilitary members, disabled individuals, and minorities.

Pradhan Mantri Awas Yojana Urban (PMAY-U)

• Launched: 2015
• Ministry involved: Ministry of Housing and Urban Affairs
• Objective: The mission's overarching goal is to provide "pucca" (durable and permanent) houses to all eligible urban households by 2022.
• Beneficiaries: The Mission addresses urban housing shortage among the EWS/LIG and MIG categories including the slum dwellers.