Prime Minister’s Award for

Excellence in Public Administration

‘Housing for All by 2022’

Ministry of Housing & Urban Affairs, Govt. of India

New Delhi, 1st November 2017 1

 PMAY (U) - Mission Highlights

• Pucca house to all eligible urban households by the year 2022

• Ownership of houses to be in the name of adult female member or
in the joint name
• Flexibility to States - appraisal and approval at State level
• 100% houses with Toilets

Beneficiary
All Towns Beneficiary under PMAY (U) should belong to
Statutory Towns notified after
EWS, LIG or MIG category and should not
(Census 2011) Census 2011
own a pucca house anywhere in India

PMAY (U)
Coverage or
Notified
Development Notified Family comprising Adult earning
Authorities Planning Areas husband, wife and member irrespective
(excluding rural areas) unmarried children of marital status

2
 PMAY(U) Verticals

• Affordable housing in Partnership with private

AHP or public sector
• Assistance of Rs. 1.5 lakh per EWS house.

• Beneficiary-Led individual House Construction

BLC or Enhancement

PMAY • GoI grant @ Rs. 1.5 Lakh per House

(U) CLSS
• Affordable housing through Credit linked
Subsidy Scheme
• Upfront interest subsidy ranging from 3 to 6.5%

• In-Situ Slum Redevelopment using land as a

ISSR resource
• GoI grant @ Rs. 1.00 Lakh per House

3
 PMAY (U) - Eligibility Criteria

A citizen can become beneficiary under PMAY(U) if he/she belongs to

EWS, LIG or MIG category as per the details below:

Annual Household Carpet Area

Eligible for
Category Income of House
Vertical
(Rs in Lakh) (Sq. m)

EWS (Economically AHP, BLC,

upto 3 30
Weaker Section) CLSS & ISSR

LIG (Lower Income

3-6 60 CLSS
Group)

MIG-I (Middle Income

6 - 12 90 CLSS
Group)

MIG-II (Middle Income

12 - 18 110 CLSS
Group)

4
 PMAY (U) – Process Flow

Project Release of
Implementation Loan Subsidy

Approval and Sanction

Release of funds
by PLIs after due
from GoI diligence

CSMC approval Loan applications

Random DPRs appraised
at MoHUPA level
SLAC / SLSMC Signing of MoU
approval between CNAs and PLIs

HFAPoA/ AIP/DPR
State to fix timelines
on Mandatory Conditions
Demand Survey by CLSS
State/ UTs
Consultation with
all Stakeholders
Selection of Cities
by States / UTs 5
 Credit Linked Subsidy Scheme (CLSS)
• Interest subvention on home loans taken by eligible urban poor (EWS/LIG) for
acquisition, construction or enhancement of house
• For the first time, Middle Income Group (MIG) has been included for a housing scheme
in the country w.e.f. 1st Jan’ 2017
• Subsidy credited upfront to the loan account of beneficiaries through lending
institutions
• Highest ever payout of about Rs 1,300 Cr as interest loan subsidy to 65,000
beneficiaries under CLSS for EWS/ LIG/ MIG category

Particulars EWS LIG MIG-I MIG-II

Annual Household upto Rs 3.00-6.00 Rs 6.00-12.00 Rs 12.00-18.00
Income Rs 3.00 Lakhs Lakhs Lakhs Lakhs

Size of House 30 sqm 60 sqm 90 sqm 110 sqm

Interest Subsidy 6.5% 6.5% 4% 3%

Eligible housing loan

amount for interest Rs 6.00 Lakhs Rs 6.00 Lakhs Rs 9.00 Lakhs Rs 12.00 Lakhs
subsidy
6
 PMAY (U) - All India Progress (as on 1st Nov’ 17)

Inclusion Sanction Funds

of Cities of Houses Involved

Rs
4,286 30.73 Lakh
Total Cities Total Houses 1,63,184 Cr
Total Investment

Rs
468 13.88 Lakh
Class-I Cities Houses Grounded 47,558 Cr
Ctrl. Assistance

3.93 Lakh Rs
3,818
Other Cities
Houses Complete 12,397 Cr
& Occupied Funds Released

7
 Glimpses of Best Practices under PMAY (U)

• Demand Saturation: Tripura has taken most systematic and city-wide

approach in implementation of PMAY (U). Tripura is a saturated State
with more than 90% houses sanctioned against the demand.

• ICT Initiatives: Mobile App for PMAY (U) developed by Assam and
Haryana. Online dashboard being used by Odisha for publishing
information related to the mission.

• Validation Methodology: Multi-level online validation process

adopted for beneficiary selection by the city of Vishakhapatnam.
Beneficiary Allotment System (BAS) being used in Gujarat.

• Emerging Technologies: States of Andhra Pradesh, Chhattisgarh,

Gujarat, Kerala, Maharashtra & Odisha are using emerging and
environment friendly technologies for construction under PMAY (U)

8
 Ways to improve the performance of Districts

1. Support in Planning

• Supports IEC activities at the district level to sensitize Beneficiaries,

bankers and builders.

• Facilitate inclusion of PMAY as a priority programs at the district level

and sensitize District Level Banking Committee (Chairman)

• Monitor and review the progress of HFAPoA, AIP and DPR preparation
according to demand assessment for ULBs in the district.

• Monitor progress on implementation of Mandatory

Conditions/Reforms defined in the Mission to facilitate growth of
housing sector.

9
 Ways to improve the performance of Districts

2. Monitoring

• Ensure expeditious completion of demand assessment for housing in

the district

• Monitor that disbursement of subsidies to beneficiaries is done in

time through DBT.

• Redress grievances at district level.

• Ensure the role of Banks in implementation of CLSS at district level

and also monitor in the regular review meetings of District Level
Bankers’ Committee

• Conduct regular field visits and review meetings for monitoring the
progress and quality of houses being constructed under PMAY (U)

10
 Parameters for Evaluation - DMs/DCs

I. PMAY (Urban)
– Conducting demand survey and validation of demand w.r.t
total demand (CSC, Online, ULB)

– Houses sanctioned, completed & occupied w.r.t the total

houses validated

– No of slums redeveloped vis-à-vis total slums.

– Number of slums de-notified & slums dwellers rehabilitated.

– Innovative housing technologies used for meeting demand for

houses.

– Utilization of PMAY MIS website for monitoring & evaluation.

11
 Parameters for Evaluation - DMs/DCs

II. Convergence with other flagship programmes such as

Swachh Bharat, AMRUT, NULM and etc

III. Information Education & Communication (IE&C) activities

for promotion of schemes

IV. Redressal of grievances and addressing the queries of

people

V. Innovations adopted in implementation of scheme.

VI. Transparency/Accountability in implementation of the

scheme

12
 Call for more Participation
• The District Collector plays an important role in identification of
eligible beneficiaries for saturating the housing demand in the
district.

• The District Collector plays a pivotal role in monitoring progress,

facilitating convergence and addressing grievances at the district level.

• The District Collector as the Revenue head also facilitates land related
activities like identification & acquisition of private / Government /
vacant lands for the various proposed housing interventions.

• As Chairman of financial committees / Banking Committees and

District Urban Development Authorities, the District Collector enables
private participation and bank linkages for in situ redevelopment /
CLSS verticals.

In the context of PMAY(U), the District Collector could be the

guiding force for the ULBs in implementation of the scheme. 13
Thank You

14