Welcome to Krishi Dunia.

Pradhan Mantri Awas Yojana, eligibility criteria and benefits of the scheme

Pradhan Mantri Awas Yojana, eligibility criteria and benefits of the scheme
Pradhan Mantri Awas Yojana
22 Dec, 2024 12:00 AM IST Updated Sun, 22 Dec 2024 03:32 PM

In India, the right to housing plays a vital role in improving the living standards of every citizen. With this in mind, the central and state governments have launched various housing schemes. The primary aim of these schemes is to provide permanent and affordable housing to the poor and economically weaker sections of society. Through these schemes, the government ensures that every Indian citizen has access to a safe, clean, and affordable home.

Today, we will provide a detailed list of the major housing schemes in India and their objectives, which have brought significant changes in the lives of millions of people:

1. Pradhan Mantri Awas Yojana (PMAY) - Urban:

  • Launch Date: June 25, 2015
  • Launched By: Narendra Modi Government
    Objective: To provide affordable and permanent homes to the poor and middle-class families living in urban areas.

Key Features:

  • The scheme was launched to achieve the goal of Housing for All by 2022.
  • Subsidies are provided for economically weaker sections (EWS), lower-income groups (LIG), and middle-income groups (MIG).
  • Beneficiaries receive subsidies on interest rates, making home loans more affordable.

2. Pradhan Mantri Awas Yojana (PMAY) - Rural:

  • Launch Date: April 1, 2016
  • Launched By: Narendra Modi Government
    Objective: To provide permanent homes to the poor and needy families in rural areas.

Key Features:

  • Every beneficiary receives financial assistance of ₹1.2 lakh.
  • In hilly and remote areas, this assistance can be up to ₹1.3 lakh.
  • The scheme benefits families without a permanent home.
  • Emphasis is placed on using environmentally friendly building materials and technologies.

3. Indira Awas Yojana (IAY):

  • Launch Date: 1999
  • Launched By: Atal Bihari Vajpayee Government
    Objective: To provide housing to families living below the poverty line (BPL) in rural areas.

Key Features:

  • Focus on providing homes to the poor and homeless families.
  • Priority is given to women, SC, and ST families.
  • The scheme was later merged into the PMAY - Rural.

4. Deendayal Antyodaya Yojana - Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA):

  • Launch Date: February 2, 2006
  • Launched By: Manmohan Singh Government
    Objective: To provide employment opportunities in rural areas and assist in the construction of permanent homes.

Key Features:

  • Guarantees wage-based employment in rural areas.
  • Provides additional financial assistance for housing construction.
  • Promotes rural development by linking employment with housing.

5. National Urban Housing Policy (NUH):

  • Launch Date: 2007
  • Launched By: Manmohan Singh Government
    Objective: To develop an affordable and sustainable housing system in urban areas.

Key Features:

  • Aims to eliminate slums in urban areas.
  • Encourages housing construction through both private and public sectors.
  • Promotes the construction of affordable housing for urban poor.

6. Public Housing Scheme:

  • Launch Date: Various (State Level)
  • Launched By: Various State Governments
    Objective: To provide housing to economically weaker sections under different state schemes.

Key Features:

  • The scheme is implemented with different objectives and names at the state level.
  • State governments focus on constructing homes for the economically weaker sections.
  • Beneficiaries are provided with homes based on local needs and regional housing challenges.

7. Affordable Housing Scheme:

  • Launch Date: Various (State Level)
  • Launched By: Various State Governments
    Objective: To provide affordable homes to the poor and middle-class families at low prices.

Key Features:

  • Government provides financial assistance and land for construction.
  • Homes are built in partnership with private builders.
  • Focus on redevelopment of slums to provide housing.

8. Rajiv Awas Yojana:

  • Launch Date: 2009
  • Launched By: Manmohan Singh Government
    Objective: To eradicate slums and provide permanent homes to slum dwellers.

Key Features:

  • Provides permanent homes to slum dwellers.
  • Ensures community amenities like water supply, electricity, and roads.
  • Improves the quality of life for urban poor.

9. Middle Income Group Housing Scheme:

  • Launch Date: 2019
  • Launched By: Narendra Modi Government
    Objective: Specifically designed for middle-income families with limited income.

Key Features:

  • Provides interest rate discounts on home loans.
  • Income limits are set for families to qualify for the scheme.
  • Offers affordable homes for the middle class.

Conclusion: The housing schemes in India reflect the government's vision of "Housing for All". These schemes empower the poor and needy by providing them with homes, enhancing their social and economic well-being. Periodic updates and expansions of these schemes by both the central and state governments ensure that more people benefit from them. These efforts not only improve living standards but also contribute to the overall development of the nation. For the success of these schemes, it is essential for citizens to stay aware and utilize their rights.

Read More... UP Free Boring Scheme, Registration Now Open, Apply Here