Launched on 25 June 2015, Pradhan Mantri Awas Yojana Urban (PMAY-U) aims to cater the ever increasing demands of housing in urban areas. Under the scheme, also known as Housing for All by 2024 scheme, the Government will undertake construction of 20 million (2 Crore) homes on the urban areas of the country. Out of the 20 million homes, about 18 million will be developed to cater the needs of slum households which is increasing at a decadal growth rate of 34%. The rest 2 million homes will be provided to non-slum urban poor.
According to current estimates, the urban population of the country is about 414 million which is set to see a phenomenal growth in the coming years. By the year 2050, it is estimated to reach up to 814 million people, an increase of about 400 million from current levels. Providing affordable housing, sanitation, infrastructure, and a safe environment are the biggest challenges for the country’s well-wishers or we can say the Government. At present, the housing development in the cities are being led by the private real estate developers who decides the areas and the cost of the housing for the end consumers. This is the reason why the real estate prices have skyrocketed over the past couple of decades leaving the common man with only dreams of owning a house.
PMAY Urban Scheme Extension
Union cabinet approved extension of flagship Pradhan Mantri Awas Yojana urban housing scheme till 31 December 2024. Launched in 2015, the original deadline for the scheme aimed at providing affordable housing with incentives was March 2022. It was launched with the aim to achieve housing for all by 2022. Central assistance approved since 2015 is ₹2.03 trillion. Up to 31 March 2022, central assistance or subsidy of ₹1.18 trillion has already been released and ₹85,406 crore will be released as central assistance till 31 December 2024, the said a statement from the housing ministry. The continuation of the scheme based on the request of states and union territories up to 31 December 2024 will help in completion of already sanctioned houses.
Recently, the Minister of State for Housing and Urban Affairs, Kaushal Kishore told the parliament said the government is considering to extend the flagship scheme up to 2024. In a written reply in Lok Sabha, Kishore said: “A proposal seeking extension of the Mission up to March 2024, to complete all houses sanctioned under the scheme up to March 31, 2022 without changing the funding pattern and implementation methodology, is under consideration. Meanwhile, an interim extension of 6 months for all verticals except Credit Linked Subsidy Scheme has been granted.” According to data on the PMAY site, a total of 12.26 million houses have been sanctioned so far, out of which 61.77 lakh houses have been completed. The extension comes at a time the pandemic has impacted the completion of projects under the scheme.
During the budget speech for FY23, finance minister Nirmala Sitharaman had stressed upon faster clearances for projects of urban housing. “The central government will work with the state governments for reduction of time required for all land and construction related approvals, for promoting affordable housing for middle class and economically weaker sections in urban areas. We shall also work with the financial sector regulators to expand access to capital along with reduction in cost of intermediation,” she had said. In December 2021, the cabinet had approved the extension of the rural housing scheme, PMAY-Gramin (Rural) till March 2024.
Housing for all is one of the major flagship programmes being implemented by government of India to provide all weather pucca houses to all eligible beneficiaries in the urban areas of the country through states, union territories and central nodal agencies. The scheme covers the entire urban area of the country — all statutory towns as per Census 2011 and towns notified subsequently. The scheme is being implemented through four verticals, Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), In-situ Slum Redevelopment (ISSR) and Credit Linked Subsidy Scheme (CLSS). While Centre provides the financial assistance, state governments and union territories implement the scheme including selection of beneficiaries.
Under the scheme, a central grant of Rs. 1 Lakh to 2.3 Lakh will be provided to the urban poor beneficiaries of the scheme. The grant will come as part of up to 4% interest rate subsidy scheme for the lower income groups. This means that the LIG applicants who wanted to buy a home under the scheme may apply for a housing loan with interest subsidy of up to 4% percent for a tenure or term of up to 20 years.
The total benefit received by this loan subsidy will add up to INR 1 to 2.3 lakh to each applicant. The subsidy will be a major relief for the home buyers as the currently housing loan interest rates are estimated at about 8.5 percent. The ‘Pradhan Mantri Awas Yojana (PMAY)’ scheme will replace all previous government housing schemes such as the Rajiv Awas Yojana.
The mission of providing 2 crore homes to urban poor is estimated to cost the central government about INR 3 lakh crore over the next 9 years, according to preliminary estimates. According to the news reports, the government took about one year to complete the operational guidelines of the scheme after rounds of negotiations with states and Union Territories.
PMAY is not the only scheme which will contribute to the development of housing in urban areas, there are other incentives and subsidies under which a grant of INR 1 lakh per beneficiary will be provided to the state governments for the development of housing projects in slum areas.
The government will also launch affordable rental housing scheme at a later stage. An INR 6,000 crore initiative, is meant to combat the proliferation of slums in urban regions. This was initially to be a part of the PMAY scheme but dropped for unknown reasons.
The benefit components
Over the years 2015-2024, the Urban Local Bodies (ULBs) and other implementing agencies through States/UTs will be provide central assistance for:
- In-situ Rehabilitation of existing slum dwellers using land as a resource through private participation.
- Credit Linked Subsidy.
- Affordable Housing in Partnership.
- Subsidy for beneficiary-led individual house construction/enhancement.
Out of the 4 components, Credit linked subsidy component will be implemented as a Central Sector Scheme while other three components will be implemented as Centrally Sponsored Scheme (CSS).
The entire urban area consisting of 4041 statutory towns will be covered under the scheme with initial focus on 500 Class I cities in three phases. Credit linked subsidy component of the scheme would be implemented across the country in all statutory towns right from the beginning.
- Phase 1: Under the phase one, housing units will be created in the selected 100 cities in the period from April 2015 to March 2017.
- Phase 2: The next phase will cover about 200 cities for housing development between April 2017 and March 2019.
- Phase 3: The next phase of Pradhan Mantri Awas Yojana will be implemented in the remaining cities between April 2019 and March 2022.
- Phase 4: Final phase of PMAY Urban will see completion of already sanctioned houses till 31 December 2024.
The government will give flexibility to the state/UT governments to select the best component out of the four to accomplish the mission on time and meet the housing demands. The formulation and approvals of the housing projects under PMAY will be done by the state/UT governments itself in order to implement the scheme faster.
A technology sub-mission has also been incorporated with the PMAY which will work on creating building material, green technologies for modern and innovative housing structures. The sub-mission will also help the states/UTs in deploying the disaster resistant and environmental friendly technologies apart from facilitating the suitable layout designs and building plans.
How to Apply for Pradhan Mantri Awas Yojana
Pradhan Mantri Awas Yojana applications are being invited through online modes through the official website at pmaymis.gov.in and through the common service centers. The interested candidates can apply online for Pradhan Mantri Awas Yojana through any of the modes, however their selection as the scheme beneficiary would be made on the basis of SECC-2011 data after due verification of candidate’s data by the Gram Panchayat.
Complete procedure to apply for the PMAY Urban
Through official website: pmaymis.gov.in
Through CSC: Apply online for PMAY-U through CSC
READ IN HINDI: प्रधान मंत्री आवास योजना के लिए ऑनलाइन आवेदन कैसे करें – पूरी जानकारी
List of Cities under PMAY-U
3888 cities across 34 states and union territories have been selected to be covered under the Pradhan Mantri Awas Yojana Urban out of which 666, higher number of cities are Tamil Nadu alone. Uttar Pradesh comes second in the number of cities with 628 which will be covered under PMAY. View the complete list of cities under PMAY which will be covered for affordable housing benefits.
Pradhan Mantri Awas Yojana Urban App Download
PMAY U Mobile App APK Download from Google Play Store (Android): Ministry of Housing and Urban Affairs has launched Pradhan Mantri Awas Yojana Urban Mobile app for iphone and android phone users. Now all the smartphone users can Download PMAY U Mobile App from google play store to get complete information on this Housing For All Scheme in urban areas. PMAY Urban app will also allow the beneficiaries to capture and upload photographs of completed houses.
Pradhan Mantri Awas Yojana Urban mobile app for android users available for downloading purpose at google playstore, download PMAY (U) App for smartphones & upload selfies / photo / videos with new or ongoing or completed houses under PM Awas Yojana housing scheme, app for iphone & android users also available at pmay-urban.gov.in. प्रधानमंत्री आवास योजना शहरी की मोबाइल ऐप डाउनलोड करें.
PMAY (U) mobile application is going to facilitate the citizens as beneficiaries can even upload their selfies with their houses (completed or ongoing) under PMAY-HFA scheme. This app can also be downloaded from the new PMAY Urban portal at pmay-urban.gov.in People can download PMAY-Urban mobile application and can get connected to PMAY housing for all mission.
Download PMAY U Mobile App
PMAY (U) mobile application will allow beneficiaries to capture and upload high resolution photographs of completed houses with their families. People can now upload selfies and around 30 to 60 seconds video clip where beneficiaries can share their stories of owning a house under PMAY Urban housing scheme. The stories put on this app by the beneficiaries would be an emotional recount of experiences such as increased self esteem, sense of pride & dignity, improved social status, safety and security for family, protected environment for girl child, children education etc. The direct link to download mobile app is here – https://pmay-urban.gov.in/mobile-application
Upon clicking the link, the page to download PMAY Urban mobile application will open. Here you can click at the “Link to install PMAY (Urban) Mobile Application” and then click on “Get it on Google Play” link. Accordingly, the page to download PMAY Urban mobile app from google playstore will open as shown below:-
The central govt. has also launched a 1 minute film showcasing the impact of PMAY (U) in the life of beneficiaries. PMAY Urban mission intends to create a closer interface with its beneficiaries. So the Union govt. has developed PMAY-U mobile app to bring beneficiaries directly in contact with the PMAY Urban mission. PMAY (U) beneficiaries can capture and upload photos and videos of houses along with testimonies.
Objective of PMAY Urban Mobile App
Ministry of Housing and Urban Affairs has been implementing Pradhan Mantri Awas Yojana (Urban) PMAY (U) to address the housing shortage in urban areas of the country with a larger goal of “Housing for All by 2022” (now extended till Dec 2024) and in order to ensure effective implementation of PMAY (U) Mission, the Ministry regularly monitors key indicators of the programmes at various fora.
The objective of Mobile application will allow beneficiaries of PMAY (Urban) from all Mission Component to:-
1. To capture and upload 02 high resolution photographs (atleast 300 dpi) of completed houses along with beneficiary’s family.
2. To capture and upload 02 selfies of beneficiary with her house.
3. To capture and upload 01 video clip [30 – 60 seconds) of success stories of beneficiaries in front of beneficiary house having logo of PMAY (U).
All the uploaded photos and videos would get scrutinized at the state as well as central level. All the selected beneficiaries from states / union territories would be awarded and govt. will invite them as special guest for PMAY Urban Housing scheme anniversary celebration. PMAY U app would narrate the stories of happy families experiencing transformation of owning house with all basic amenities. This includes water, electricity, kitchen along with gas connections and toilet.
Benefits of PM Awas Yojana Urban App
The basic idea to create photo and video bank on beneficiaries testimonial which includes transforming experience of beneficiaries after moving into a pucca house under PMAY (U)- It may
1. Include Dignified living, Availability of Basic Amenities (Water, electricity, Kitchen, toilet etc.)
2. Emotions she has experienced such as: Increased Self Esteem, Sense of pride and dignity, Improved Social Status, Safety and Security for the family, Protected Environment for the girl child, children’s education especially that of the girl child.
Stories of Pradhan Mantri Awas Yojana Urban Beneficiaries at App
The new PMAY Urban film would narrate that how PMAY (U) is contributing in transforming the lives of Indian citizens starting from Kashmir to Kerala. This film will also empower all the PMAY U applicants from different walks of life. The journey and emotion of families belonging to different regions across the country would feel connected and pride after realization of their dream of owning their own houses through PMAY-Urban housing scheme.
PMAY (U) housing scheme was previously launched on 25 June 2015 with its main objective to give houses to every eligible urban houseshold by FY 2024. PMAY-U housing scheme has achieved milestone by approving more than 1.10 houses against valid demand of 1.14 crore houses. Till 12 August 2022, there are around 1.02 crore houses which are at various stages of construction. In addition to this, more than 61 lakh houses have already been completed.
- PMAY Urban Standard Operating Procedure – https://pmay-urban.gov.in/assets/images/SoP_PMAY(U)_MobileApp_v8.pdf
- PMAY U New Portal – https://pmay-urban.gov.in/
Pradhan Mantri Awas Yojana Loan Interest Rate / Subsidy
The interest subsidy for Pradhan Mantri Awas Yojana has been revised and the government is now providing a subsidy of 4% on a loan of up to Rs. 9 Lakh and 3% on a loan of up to Rs. 12 Lakh taken for a tenure of maximum 20 years.
The complete details of the PMAY home loan scheme, subsidy and interest rates is available at the link below.
Pradhan Mantri Awas Yojana Home Loan Interest Rates/Subsidy
Pradhan Mantri Awas Yojana Guidelines
The detailed guidelines of PMAY-U can be downloaded from the official website of PM Awas Yojana from the link below
For more details about the scheme, please visit the official website at pmaymis.gov.in.