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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:
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
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
“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
(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
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
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
(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
(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
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
(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
(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
• 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
• 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
(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
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.)
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
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
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
THANK YOUTHANK YOU
Municipal Corporation Shimla 20
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