Ministry of Housing & Urban Poverty Alleviation

Government of India

With a vision of ‘Housing for All by 2022’, Government of India launched a flagship program “Pradhan Mantri Awas Yojana (Urban) – Housing for All” on 25th June 2015 to meet the housing shortage among the urban poor. PMAY(U) envisages construction of houses with basic amenities.

Components of PMAY(U)

HOUSING FOR ALL

Sab ka Sapna...Ghar ho Apna

Beneficiary Beneficiary family will comprise husband, wife and unmarried

children. An adult earning member (irrespective of marital status) can be treated as a separate household.

EligibilityUrban residents of EWS - Economically Weaker Section yy(annual income upto Rs 3 lakh) & LIG - Low Income Group (annual income Rs 3 to Rs 6 lakh) and MIG -Middle Income Group (for CLSS only) [annual income MIG I - Rs 6 to 12 lakh, MIG II - Rs 12 to 18 Lakh].Beneficiary family should not own a pucca house either yyin his/her name or in the name of any member of his/her family in any part of India.The houses to be acquired should be preferably in the yyname of the female head of the household or in the joint name of the male head of the household and his wife.

Narendra ModiPrime Minister

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“In-situ” using land as a resource

with private participation

Extra FSI/FAR and TDR if required

GoI grant Rs 1 lakh per

house

I - ISSR

Subsidy for EWS and LIG for new

house or incremental

housing

Upfront subsidy for EWS/LIG for loans upto Rs. 6 lakh, calculated

at NPV basis

II-CLSS

With private sector or public sector including

Parastatal agencies where

35% of constructed

houses are for EWS category

Central Assistance of Rs.

1.5 lakh per EWS house

III-AHP

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.

IV-BLC

Subsidy for beneficiary-led construction or enhancement

Affordable Housing in Partnership

Affordable Housing through

Credit Linked Subsidy#

In-situ Slum Redevelopment

Coverage All Statutory Towns as per Census 2011 and towns notified

subsequently, including planning area as notified with respect to statutory town.

Carpet AreaMinimum carpet area of EWS & LIG house is 30 sqmt and 60 yysqmt respectively, Central assistance fixed at Rs. 1.5 lakh for AHP & BLC vertical.

HighlightsBenefit of scheme can be availed for new construction or yyenhancement of existing house.States/UTs may decide a cut-off date for eligibility of yybeneficiary.Aadhaar Card/Bank Account Number/PAN Number (if yyavailable) is required from beneficiary. Progress to be tracked through geo tagged photographs yyof houses under BLC vertical.Houses will deemed to be completed only after the requisite yyinfrastructure, particularly power supply, water supply and drainage/sanitation is made available.

Credit Linked Subsidy Scheme (CLSS) in brief Central Sector Scheme with two categories CLSS for EWS/yyLIG and CLSS for MIG (I & II). Beneficiaries of EWS/LIG seeking housing loans from Banks, yyHousing Finance Companies and other such institutions would be eligible for an interest subsidy at the rate of 6.5% for loan amounts upto Rs 6 lakhs for new construction,

acquisition (including repurchase) and enhancement. Additional loans, if any, will be at nonsubsidized rate. CLSS for MIG will support acquisition/construction of yyhouses (including re-purchase) of upto 90sqm (for MIG I) and upto 110sqm (for MIG II) carpet area.Interest subsidy will not be applicable in respect of yyenhancement of existing houses. Benefits under these loans are available for a maximum yytenure of 20 years. Interest subsidy will be credited upfront to the loan account yyof beneficiaries.

Other Initiatives under PMAY(U) - HFATechnology Sub-Mission: yy Launched to promote green and environment friendly, disaster resistant technologies and layouts suitable for different areas of the country.Management Information System (MIS): yy A centralized web enabled MIS (www.pmaymis.gov.in) has been developed which acts as a source of structured information of approved projects, survey details, beneficiary information etc.Use of Space Technology Tools (Geo Tagging): yy Progress of houses constructed under the ‘Beneficiary-led Construction’ vertical to be tracked through geo-tagged photographs so that progress of construction can be monitored.

For more information visit Urban Local Body (ULB) for ISSR, BLC and AHP components Nearest bank or Housing Finance Companies for CLSS component.

* Under PMAY(U), beneficiaries can avail benefit of one component only. * Grant/Subsidy/Assistance avail-able in each component. # The scope of CLSS has been enhanced to cover the Middle Income Group (MIG) in the year 2017, w.e.f. 1.1.2017.

PMAY_Single_Leaf_leaflet.indd 1 6/20/2017 5:58:57 PM

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PMAY_Single_Leaf_leaflet.indd 2 6/20/2017 5:58:58 PM