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Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on 17.06.2015 and guidelines Municipal Corporation Shimla 1 Municipal Corporation Shimla-Housing For All Mission 17.06.2015 and guidelines launched on 25.06.2015. Presented by:

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Page 1: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Pradhan Mantri Awas YojanaHousing for All by 2022(Urban)

A mission approved by Union Cabinet on 17.06.2015 and guidelines

Municipal Corporation Shimla 1

Municipal Corporation Shimla-Housing For All Mission

17.06.2015 and guidelines launched on 25.06.2015.

Presented by:

Page 2: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Mission Highlights• EWS ¼bZMCY;w,l½ category : A family with income upto Rs. 3 lakh, vkfFkZd

:i ls detksj oxZ ds ykHkkFkhZ

• LIG ¼,yvkbZth½ category : A family with income between Rs. 3-6 lakh.fuEu vk; oxZ ds ykHkkFkhZ

• Size of EWS house - 30 Sq M., States to have flexibility but Centralassistance fixed, LIG House Size-60 Sq M.

• Beneficiary ¼ykHkkFkhZ ½: ,d ykHkkFkhZ ifjokj esa ifr] iRuh] vfookfgr iq= vkSj vFkok• Beneficiary ¼ykHkkFkhZ ½: ,d ykHkkFkhZ ifjokj esa ifr] iRuh] vfookfgr iq= vkSj vFkokvfookfgr yM+fd;ka ’kkfey gksaxsA

• Houses constructed/acquired under the mission should be in thename of female head of the household or in the joint name

• Beneficiary should not have any pucca house anywhere in India.

• Aadhaar Card/Bank Account Number/PAN Number (if available)

required from beneficiary or a certificate of house ownership from

Revenue Authority of beneficiary’s native district.

Municipal Corporation Shimla 2

Page 3: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Housing for All - Overview

Mission has four components:

1) “In situ” Rehabilitation of existing slum dwellers using

land as a resource through private participation / Hkwfedk lalk/ku ds :i esa mi;ksx djrs gq, futh çorZdksa dh Hkkxhnkjh lsLyeokfl;ksa dk Lye iquokZl

2) Credit Linked Subsidy (CLS) _.k ls tqM+h C;kt lfClMh ds2) Credit Linked Subsidy (CLS) _.k ls tqM+h C;kt lfClMh dsek/;e ls detksj oxZ ds fy, fdQk;rh vkokl dks çksRlkgu

3) Affordable Housing in Partnership /lkoZtfud rFkk futh{ks=ksa ds lkFk Hkkxhnkjh esa fdQk;rh vkokl

4) Subsidy for beneficiary-led individual house

construction or enhancement / ykHkkFkhZ vk/kkfjr O;fäxrvkokl fuekZ.k ds fy, lfClMh

Municipal Corporation Shimla 3

Page 4: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

“In-situ” using

land as a

resource with

Housing For All: Options

Slum

Redevelopment

Affordable Housing

through Credit

Linked Subsidy

Affordable

Housing in

Partnership

Subsidy for

beneficiary-led

housing

With private

sector or public

sector including

Parastatal

For individuals of EWS category for new house or enhancement

Subsidy for EWS

and LIG for new

house or

incremental resource with

private

participation

Extra FSI/FAR and

TDR if required

GoI grant Rs. 1

lakh per house

Beneficiary can take advantage under one component only

(1) (2) (3) (4)

Parastatal

agencies

Central

Assistance of Rs.

1.5 lakh per EWS

house in projects

where 35%

houses for EWS

category.

or enhancement

Cities to prepare a separate integrated project for such beneficiaries

Central assistance of Rs.1.5 lakh per beneficiary.

incremental

housing

Upfront subsidy @

6.5% for EWS and

LIG for loans upto

Rs. 6 lakh,

calculated at NPV

basis

Municipal Corporation Shimla 4

Page 5: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

(1) “ In-Situ” Slum Redevelopment- Approach

State/SMC shall decide:

• Identify all tenable /non tenable slums and their parameters such as area, market potential etc.

• Slum-A compact area of at least 300 population or about 60-70 households of poorly built congested tenements, in unhygienic environment usually with inadequate unhygienic environment usually with inadequate infrastructure and lacking in proper sanitary and drinking water facilities.

• Examine financial and technical viability of all tenable slums for redevelopment with private partner using land as a resource

• State/SMC shall decide ,Eligibility criteria like cut off date,Beneficiary contribution Restriction on transfer etc.

Municipal Corporation Shimla 5

Page 6: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Continue............

• SMC can cluster 2 or 3 slums as single project to make it feasible on ground level. Shimla Municipal Corporation would, if required, provide Transferable Development Rights (TDR) for making slum redevelopment projects financially viable.

• TDR: VhMhvkj dk vFkZ Hkwfe ds Lokeh }kjk NksM+s x, {ks= ds LFkku ijvfrfjDr fufeZr {ks= dh fuf’pr /kujkf’k miyC/k djkuk gS rkfd og fdlhvU; Hkwfe ij vfrfjDr fufeZr {ks= dk mi;ksx dj lds

(1) “ In-Situ” Slum Redevelopment- continue

vfrfjDr fufeZr {ks= dh fuf’pr /kujkf’k miyC/k djkuk gS rkfd og fdlhvU; Hkwfe ij vfrfjDr fufeZr {ks= dk mi;ksx dj lds

• All financial and non financial incentives and concessions to be declared ‘a priori’ in the bid document

• Lye iqufoZdkl ds fy, futh Hkkxhnkj dk p;u [kqyh cksyh çfØ;k ds ek/;e ls fd;k tk;sxkA ALye] pkgs os dsUæ ljdkj dh Hkwfe jkT; ljdkj dh Hkwfe] futh Hkwfe ij gksa

Municipal Corporation Shimla 6

Page 7: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Strategy for Slum Redevelopment using Land as a Resource

Untenable Slums Adopt other strategies available under Mission

List All Slums(Use Census 2011 as basis)

Collect data for all slums Use existing SFCPoA prepared under RAY

Analyse Slum Data to list Tenable and

Untenable Slums

Unviable Slums

Viable Slums

Phasing of Slum Redevelopment over period of mission and

development of projects and inclusion in HFA

Adopt other strategies to take care of housing needs in such slums

Tenable Slums

Analysis of all tenable Slums to examine financial and technical viability of “in-situ” Slum redevelopment on

PPP basis using land as a resource (consider additional FSI/FAR, TDR etc. & other incentives at States/ULB level)

Municipal Corporation Shimla 7

Page 8: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

(2) Credit Linked Subsidy –_.k _.k _.k _.k vkvkvkvk////kkfjrkkfjrkkfjrkkfjr C;ktC;ktC;ktC;kt lfClMhlfClMhlfClMhlfClMh

• _.k vk/kkfjr lfClMh u, vkoklksa ds fuekZ.k vkSj dejksa dkfoLrkj] jlksbZ vkfn gsrq miyC/k gksxh A

• _.k vk/kkfjr lfClMh dsoy 6 yk[k :- rd dh _.k jkf’k dsfy, miyC/k gksxh vkSj 6 yk[k :- ls vf/kd dk _.k xSjlfClMh—r nj ij gksxkA

• vkfFkZd :i ls detksj oxksaZ ¼bZMCY;w,l½ vkSj fuEu vk; oxZ• vkfFkZd :i ls detksj oxksaZ ¼bZMCY;w,l½ vkSj fuEu vk; oxZ¼,yvkbZth½ ds ykHkkFkhZ tks cSadksa] vkokl foRr daifu;ksa vkSj vU; ,sls laLFkkvksa ls x`g _.k dh e‚ax dj jgs gSa] os 6-5 dh nj ij15 lkyksa dh vof/k ds fy, C;kt lfClMh ds fy, ik= gksaxs A

• Ldhe ds vUrxZr efgykvksa fo/kokvksa]vuqlwfpr tkfr vuqlwfprtutkfr vU; fiNMs oxksaZ ds O;fä;ksa] vYila[;dksa] fodykaxksa dksojh;rk nh tk,xhA Municipal Corporation Shimla 8

Page 9: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

(2) Credit Linked Subsidy -Continue

Keys points:

• Self-certificate/affidavit as proof of income, proof of land/house ownership from loan applicant.

• Carpet area limited to 30 sq. m. and 60 sq. m. for EWS and LIG respectively

• Central Nodal Agencies (CNAs) to channelize subsidy to the • Central Nodal Agencies (CNAs) to channelize subsidy to the lending institutions and for monitoring the progress .PLIs can sign MoU with only one Nodal Agency.

• PLIs to take NOCs quarterly from States/UTs or designated agency for list of beneficiaries covered under credit linked subsidy to avoid duplication.

Municipal Corporation Shimla 9

Page 10: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Steps in Credit Linked Subsidy Scheme

Directly or through the ULB or the local agencies

identified by the State/ULBs

Individual Home Loan Application

Self-certificate/affidavit as

proof of income

Bank

Quarterly information of

Beneficiary with Aadhar Number

to SLNA or Dedicated agency for

validation

Decision on Loan

(EWS - carpet area

30sqm/LIG EWS -

carpet area 60sqm)

Municipal Corporation Shimla 10

Validation of Beneficiary

- Sanction of Credit Linked Subsidy @6.5% for loan upto Rs 6 lakh, loan beyond Rs 6 L at normal interest rate- Interest subsidy calculated on NPV basis at a discount rate of 9 %

PLIs Submitting claim to CNA

Approval of Claims by CNA

Credit Linked Subsidy deposited by PLI in Loan account of Beneficiary

Funds from GoI to CNA.- advance subsidy will be released to each CNA at

the start of the scheme- Subsequent amounts after 70 % utilization

CNA will release the subsidy amount to PLIs directly based on the claims submitted on the total loans

disbursed

Page 11: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

(3) Affordable Housing in Partnership

(HkkxhnkjhHkkxhnkjhHkkxhnkjhHkkxhnkjh esaesaesaesa fdQk;rhfdQk;rhfdQk;rhfdQk;rh vkoklvkoklvkoklvkokl)

• fdQk;rh nj ij bZMCY;w,l Js.kh ds fy, vkoklksa dh miyC/krkc<kus gsrq jkT;/la?k jkT; {ks=] viuh ,tsafl;ksa vFkok m|ksxksalfgr futh {ks= ds lkFk Hkkxhnkjh ds ek/;e ls] fdQk;rh vkoklifj;kstukvksa dh ;kstuk rS;kj dj ldrs gSa A ,slh ifj;kstukvksaesa 1-5 yk[k :- dh nj ls dsUæh; lgk;rk lHkh bZMCY;w,lesa 1-5 yk[k :- dh nj ls dsUæh; lgk;rk lHkh bZMCY;w,lvkoklksa ds fy, miyC/k gksxh A

• fdQk;rh vkokl ifj;kstuk fofHkUu Jsf.k;ksa ds fy, vkoklksa dk;ksx gks ldrk gS ijarq ;gdsUæh; lgk;rk dk ik= rHkh gksxk] ;fn ifj;kstuk esa vkoklksa dk de ls de 35 % vkfFkZd :i lsdetksj oxZ ¼bZMCY;w,l½ ds fy, gks

Municipal Corporation Shimla 11

Page 12: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

(3) Affordable Housing in Partnership -Continue)

• Allotment through transparent procedure as approved by

SLSMC to beneficiaries identified in HFAPoA

• Preference to physically handicapped persons, senior

citizens, SC/ST/OBCs, minorities, single women,

transgender and other weaker and vulnerable sections of

the societythe society

• The States/UTs would decide on an upper ceiling on the

sale price of EWS houses in rupees per square meter of

carpet area in such projects with an objective to make

them affordable and accessible to the intended

beneficiaries.

Municipal Corporation Shimla 12

Page 13: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

• States/UTs to decide an upper ceiling of sale price for EWS houses

• Sale prices to be fixed using following principles:

Project Implemented by

States/UTs/ULBs/Parastatals

with no private sectorStates/UTs/ULBs/Parastatals with Private Sector

Allotment of houses by

(3) Affordable Housing in Partnership -Continue)

Municipal Corporation Shimla 13

States/UTs/ULBs/Parastatals Private partner as authorised

to sell EWS houses to eligible

beneficiaries

Sale Price to be fixed by States on the basis of

No Profit No Loss Through open transparent process

factoring in incentives provided by

Centre/State/ULB

Page 14: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

• pkSFkk ?kVd fe’ku ds vU; ?kVdksa dk ykHk ysus esa v{ke ykHkkfFkZ;ksadks ’kkfey dj Lo;a muds }kjk u, vkoklksa ds fuekZ.k vFkokekStwnk vkokl ds lq/kkj ds fy, vkfFkZd :i ls detksj oxZ Js.kh ls lac) oS;fäd ik= ifjokjksa dks lgk;rk nsrk gS A

(4) Beneficiary-led individual house

construction or enhancement

• bl lgk;rk çkfIr dk bPNqd ykHkkFkhZ muds LokfeRok/khu Hkwfe dh miyC/krk ds laca/k esa i;kZIr nLrkostksa ds lkFk ‘’kgjh LFkkuh; fudk;ksa ls laidZ djsxk A ,sls ykHkkFkhZ Lyeksa esa vFkok Lyeksa dsckgj jgus okys gks ldrs gS

• jkT; ljdkj dks vkokl ds fuekZ.k dh çxfr ds vk/kkj ij 3&4 fdLrksa esa ykHkkfFkZ;ksa dks foRrh; lgk;rk tkjh djuh pkfg,A

Municipal Corporation Shimla 14

Page 15: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

(4) Beneficiary-led individual house

construction or enhancement

• Central assistance @ Rs. 1.5 lakh per house

• Central assistance will be released to bank accounts of identified beneficiaries through States/Uts

• Beneficiaries, in or outside slums, to approach ULBs

with proof of land/house ownership .with proof of land/house ownership .

• SMCULBs to ascertain ownership of land, economic status and eligibility etc. of beneficiary.

• Mechanisms to track progress of such individual houses through geo-tagged photographs

Municipal Corporation Shimla 15

Page 16: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Proposal to SMC for construction of new house or enhancement

Belonging to Slums not

being taken up for

redevelopment

Non-slum

Verification of the Beneficiary and proposal

Beneficiary

(land ownership, building

(4) Beneficiary-led individual house construction or

enhancement

Municipal Corporation Shimla 16

Submission of Project

Verification of the Beneficiary and proposal

by SMC or Implementing agency

Preparation of project by SMC/Implementing agency

based on applications from beneficiaries

Approval by SLSMC Project information to CSMC

Release of Central subsidy through State Government

(land ownership, building

plan etc.)

Page 17: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Financial Mechanism

All 3 Components except CLSS

• Central Assistance to be released to the State in 3instalments – 40%, 40% and 20% with approval of CSMC.

• Annual DPR( Detailed Project Report) need to be submittedby the ULB to the State in each Financial Year.

• Funds for the Mission shall be kept in separate bankaccount .

• During first year (2015-16) , AIP will not be necessaryaccount .

• During first year (2015-16) , AIP will not be necessary

Credit Linked Subsidy Scheme• Advance subsidy release to CNA

• CNA to release the subsidy amount to PLIs in 4 instalmentsbased on the claims on the total loans disbursed

Municipal Corporation Shimla 17

Page 18: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Technology Sub-Mission

Will coordinate with various regulatory and

administrative bodies for :

– Mainstreaming and up scaling the deployment of

modern construction technologies, material in place

of conventional construction and

– Use of Modern, innovative and green/energy – Use of Modern, innovative and green/energy

efficient technologies and building material for faster

and quality construction of houses .

– Layout designs and building plans suitable for various

geo-climatic zones

Municipal Corporation Shimla 18

Page 19: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

ykHkkFkhZ;ksaykHkkFkhZ;ksaykHkkFkhZ;ksaykHkkFkhZ;ksa lslslsls vuqjksvuqjksvuqjksvuqjks/k /k /k /k gSgSgSgS fdfdfdfd osososos fuEufuEufuEufuEu irsairsairsairsa ijijijij igqWpigqWpigqWpigqWp djdjdjdj QkeZQkeZQkeZQkeZtektektektek djok,sadjok,sadjok,sadjok,sa

okMZokMZokMZokMZ u0u0u0u0 frfFkfrfFkfrfFkfrfFk LFkkuLFkkuLFkkuLFkku

okMZokMZokMZokMZ u0 u0 u0 u0 1-4 HkjkMh :YnqHkVVk @dSFkwa @vukMsy 29/2/16 xq#}kjk @dE;qfuVh lsUVj @

dSFkq

okMZokMZokMZokMZ u0u0u0u0:5-7 Lkejfgy @ VwVw @ckywxat 2/3/16 dE;qfuVh lsUVj -VwVw

okMZokMZokMZokMZ u0u0u0u0 :8-10 VwVhdMha @ukHkk @Qkxyh 3/3/16 xksiky eafnj

Municipal Corporation Shimla 19

okMZ u0 :11-13 d`".kk uxj”@jke cktkj @ yksvj cktkj 4/3/16 cpr Hkou @jkSVjh Dyc

okMZokMZokMZokMZ u0u0u0u0:14-15(25) Tkk[kw @cUeksj @dayksx 8/3/16 cpr Hkou @jkSVjh Dyc

okMZokMZokMZokMZ u0u0u0u0:16-18 batu ?kj @latkSyh pkSd @<yh 9/3/16 Lkeqnkf;d Hkou

okMZokMZokMZokMZ u0 u0 u0 u0 19-21 batu ?kj @ latkSyh pkSd @ <yh 10/3/16 U;w f’keyk dE;qfuVh lsUVj

okMZokMZokMZokMZ u0u0u0u0:22-24 NksVk f’keyk @ iVh;ksx @ [kyhuh 11/3/16 U;w f’keyk dE;qfuVh lsUVj

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THANK YOUTHANK YOU

Municipal Corporation Shimla 20

Page 21: Pradhan Mantri Awas Yojana - shimlamc.org Pradhan Mantri Awas Yojana Housing for All by 2022(Urban) A mission approved by Union Cabinet on ... • Central assistance will be released

Mo

HU

PA

Calculation

• I mtr = 3.28 feet

• 1 square mtr =3.28 * 3.28= (10.76 ) Sq feet

• 30 square mtr = 10.76 *30= 322.75 Sq feet

Mo

HU

PA

• 11x10 =110 x2 =220 Square feet

• 5’10=50-kitchen

• 7”5=35 sq fee

Municipal Corporation Shimla 21