Narendra Modi

Ministry of Housing & Prime Minister

Urban Poverty Alleviation
Government of India HOUSING FOR ALL

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)
2 Beneficiary
Affordable Subsidy for
In-situ Slum Housing through
Affordable
Housing in
beneficiary-led Beneficiary family will comprise husband, wife and unmarried
Redevelopment Credit Linked
Subsidy#
Partnership
construction or
enhancement
children. An adult earning member (irrespective of marital
status) can be treated as a separate household.
With private
For individuals of Eligibility
In-situ using sector or public
land as a resource
Subsidy for EWS
and LIG for new sector including
EWS category for
new house or
yy Urban residents of EWS - Economically Weaker Section
with private house or Parastatal enhancement (annual income upto Rs 3 lakh) & LIG - Low Income Group
M/o H U P A

participation incremental agencies where

housing 35% of Cities to prepare (annual income Rs 3 to Rs 6 lakh) and MIG -Middle Income
Extra FSI/FAR constructed a separate Group (for CLSS only) [annual income MIG I - Rs 6 to 12
and TDR if houses are for integrated
required Upfront subsidy EWS category project for such lakh, MIG II - Rs 12 to 18 Lakh].
for EWS/LIG for beneficiaries
GoI grant loans upto Rs. 6 yy Beneficiary family should not own a pucca house either
Central
Rs 1 lakh per lakh, calculated Assistance of Rs. Central in his/her name or in the name of any member of his/her
house at NPV basis assistance of
1.5 lakh per
EWS house
Rs.1.5 lakh per family in any part of India.
beneficiary.
yy The houses to be acquired should be preferably in the
I - ISSR II-CLSS III-AHP IV-BLC name of the female head of the household or in the joint
name of the male head of the household and his wife.
* 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 2
the year 2017, w.e.f. 1.1.2017.
acquisition (including repurchase) and enhancement.
Coverage
Additional loans, if any, will be at nonsubsidized rate.
All Statutory Towns as per Census 2011 and towns notified
yy CLSS for MIG will support acquisition/construction of
subsequently, including planning area as notified with respect
houses (including re-purchase) of upto 90sqm (for MIG I)
to statutory town.
and upto 110sqm (for MIG II) carpet area.
Carpet Area yy Interest subsidy will not be applicable in respect of
yy Minimum carpet area of EWS & LIG house is 30 sqmt and 60 enhancement of existing houses.
sqmt respectively, Central assistance fixed at Rs. 1.5 lakh for yy Benefits under these loans are available for a maximum
AHP & BLC vertical. tenure of 20 years.
yy Interest subsidy will be credited upfront to the loan account
Highlights
of beneficiaries.
yy Benefit of scheme can be availed for new construction or
enhancement of existing house. Other Initiatives under PMAY(U) - HFA
yy States/UTs may decide a cut-off date for eligibility of yy Technology Sub-Mission: Launched to promote green and
beneficiary. environment friendly, disaster resistant technologies and
yy Aadhaar Card/Bank Account Number/PAN Number (if layouts suitable for different areas of the country.
available) is required from beneficiary. yy Management Information System (MIS): A centralized web
yy Progress to be tracked through geo tagged photographs enabled MIS (www.pmaymis.gov.in) has been developed
of houses under BLC vertical. which acts as a source of structured information of
yy Houses will deemed to be completed only after the requisite approved projects, survey details, beneficiary information
infrastructure, particularly power supply, water supply and etc.
drainage/sanitation is made available. yy Use of Space Technology Tools (Geo Tagging): Progress
of houses constructed under the Beneficiary-led
Credit Linked Subsidy Scheme (CLSS) in brief
Construction vertical to be tracked through geo-tagged
yy Central Sector Scheme with two categories CLSS for EWS/
photographs so that progress of construction can be
LIG and CLSS for MIG (I & II).
monitored.
yy Beneficiaries of EWS/LIG seeking housing loans from Banks,
Housing Finance Companies and other such institutions For more information visit Urban Local Body (ULB) for ISSR, BLC
would be eligible for an interest subsidy at the rate of 6.5% and AHP components Nearest bank or Housing Finance Companies
for loan amounts upto Rs 6 lakhs for new construction, for CLSS component.

Sab ka Sapna...Ghar ho Apna

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