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Saturday, May 1, 2021

Pradhan Mantri Awas Yojana (PMAY)

PM- AWAS YOJNA (PMAY), 2015:

  • It is initiated by the Government of India on 25th June 2015, in which affordable housing will be provided to the poor with a target of building 2 crore (20 million) affordable houses by 31st March 2022 when the nation completes 75 years of independence.


Pradhan Mantri Awas Yojana (PMAY)


  • This scheme applies to only those families who do not own any pucca house in the name of any member of the family in any part of India. The scheme shall be executed with public and private partnerships.

  • It has 2 components: PM Awas Yojna (Urban) (PMAY-U) and PM Awas Yojna (Gramin) (PMAY-G/R) under the Ministry of Housing and Urban Poverty Alleviation.

  • The scheme is converged with other schemes to ensure houses have a toilet, Saubhagya Yojana electricity connection, Ujjwala Yojna LPG connection, access to drinking water, and Jan Dhan banking facilities, etc. Total 1 crore homes are approved against the total demand of 1.12 crores as of 28 December 2019.

Three phases PMAY envisage starting and completing the house construction work as follows:
  • PMAY Phase I: from April 2015 to March 2017 to cover 100 cities.
  • PMAY Phase II: from April 2017 to March 2019 to cover additional 200 cities.
  • PAMY Phase III: from April 2019 to March 2022 to cover remaining cities.


INDIRA AWAS YOJNA-1985/ PMAY (G), 2015:

  • It is a social welfare program, created by the Indian Government, to provide housing for the rural poor in India.

  • This scheme was launched in the year 1985 by then Prime Minister Rajiv Gandhi as one of the major flagship programs of the Ministry of Rural Development to construct houses for the BPL population in villages.

  • Under the scheme, a person belonging to Scheduled Caste, Scheduled Tribes, and other backward classes and those below the poverty line (BPL) are provided grants for the construction of houses or converting their mud houses to pucca houses. The beneficiaries in these plains are paid Rs.70,000/- and those in the hills are paid Rs.75,000/-.

A similar scheme for the urban poor was launched in 2015 as "Housing for all" by 2022


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