The Uttarakhand government on Friday said it would provide houses to 84,726 beneficiaries under Pradhan Mantri Awas Yojana (Gramin), or PMAYG, by March 2022.
"At least 84,726 people of the state will be benefited under the PMAYG by 2022," Uttarakhand Minister of Urban Development and Housing Madan Kaushik said on Friday during a virtual meeting with Union Minister of Rural Development and Panchayat Raj, Narendra Singh Tomar.
The meeting was held on the subject of providing accommodation to the homeless people of Uttarakhand by 2022.
Kaushik said a total of 12,662 beneficiaries have been given houses by the present government. "These beneficiaries will also be given the benefits of Mahatma Gandhi National Rural Employment Guarantee Act, gas and electric connection, besides drinking water facility."
He added apart from them, 84,726 missed additional beneficiaries were identified to meet the target of providing 50,000 house to the poor.
With the partnership with the states, the Ministry of Rural Development ensued confidence that with a large number of houses under different stages of completion and increased pace of their completion, it would be able to achieve the target of construction of 2.95 crore houses under PMAYG by March 2022.
Pradhan Mantri Awas Yojana (PMAY) is an initiative by Government of India in which affordable housing will be provided to the urban poor with a target of building 20 million affordable houses by 31 March 2022. It has two components: Pradhan Mantri Awas Yojana (Urban) (PMAY-U) for the urban poor and Pradhan Mantri Awaas Yojana (Gramin) (PMAY-G and also PMAY-R) for the rural poor. This scheme is converged with other schemes to ensure houses have a toilet, Saubhagya Yojana electricity connection, Ujjwala Yojana LPG gas connection, access to drinking water and Jan Dhan banking facilities, etc. Total 1 cr homes are approved against the total demand of 1.12Cr as of 28 December 2019.
Public housing programme in India started with the rehabilitation of refugees immediately after independence. Till 1960, nearly 5 lakh families were provided houses in different parts of northern India. In 1957, within the ambit of the second five-year plan of Prime Minister Nehru, Village Housing Programme (VHP) was introduced providing loans to individuals and cooperatives of up to ₹5,000/- per unit. Only 67,000 houses could be constructed in this scheme till end of the 5 the Five Year Plan (1974-1979). Another scheme introduced in the 4th Plan called House Sites-cum-Construction Assistance Scheme (HSCAS) was also transferred to the State Sector from 1974-75.
With the launch of Indira Awas Yojana (IAY) by the then Prime Minister Rajiv Gandhi in 1985, the public housing programme in India got a boost. I was launched as a rural housing programme targeting SC/ST and Minority population. The programme was gradually extended to cover all Below Poverty Line (BPL) population.
As a part of the continuous efforts of the Indian Government to fulfil the housing needs of the rural and urban poor, Pradhan Mantri Awaas Yojana was launched by Prime Minister Narendra Modi in June 2015 with an aim to provide affordable housing.
Under PMAY, it is proposed to build 2 crore houses for urban poor including Economically Weaker Sections and Low Income Groups in urban areas by the year 2022 through the financial assistance of ₹2 trillion (US$28 billion) from central government. Under the Pradhan Mantri Awas Yojana, a subsidy of Rs 2.67 lakh is provided by the government on the interest of the home loan for buying a house. The Uttar Pradesh Housing Development Council will provide houses at affordable rates under the Pradhan Mantri Awas Yojana. Applications have been sought under this scheme for about 3516 houses in Uttar Pradesh. The booking for which starts from 1 September 2020 and the last date of booking is 15 October 2020. These houses are located in 19 cities of the state of Uttar Pradesh. People from poor families will be able to buy these houses for only ₹ 350000. All those people whose annual income is less than ₹ 300000 are eligible to apply for these houses. The Uttar Pradesh Housing Development Council had earlier kept the repayment time of the house up to 5 years, which has been changed to 3 years.
The features of Pradhan Mantri Awas Yojana are that the government will provide an interest subsidy of 6.5% (for EWS and LIG), 4% for MIG-I and 3% for MIG-II on housing loans availed by the beneficiaries for a period of 20 years under credit link subsidy scheme (CLSS) from the start of a loan. The houses under Pradhan Mantri Awas Yojana would be constructed through a technology that is eco-friendly while allotting ground floors in any housing scheme under PMAY, preference will be given to differently-abled and older persons.