PMAY Housing for all 2024 Scheme Details – Application Forms
Housing for all 2024 PM Scheme: In this scheme Govt provided 6 Lakh Housing – 2 Lakh Urban areas & 4 lakh in rural areas. Urban Housing Shortage As per Estimates by Technical Group Housing Shortage is 18.78 million in 2012.
The Factors of Shortage are – Congestion (14.99 million) – Obsolescent (2.27 million) – Katcha Houses (0.99 million) – Homeless Households (0.53 million) More than 95% shortage is for EWS/LIG houses EWS (10.55 million ) – LIG (7.44 million ) – MIG and above (0.82 million)
Track your Assessment Status Form PMAY
Housing Shortage going up because of Increased Urbanization and Migration
Other Indicator of Housing Shortage is Slum Population • As per Census 2011, Slum Households are 13.75 million, up from 10.2 million in 2001 • Growth in 10 years of Slum Households is 36.5% and of Slum Population is 25.1%, whereas of Urban Households is 44.9% and Urban Population is 32% • Slums are Categorised into – Notified (4.97 million households) – Recognised (3.79 million households) – Identified (4.99 million households) Distribution of Slums – Ten States accounts for 82% of slum population – 38.4% of Slum Population in 46 million plus Cities
Housing Shortage Distribution – Top 10 States
75% of the estimated housing shortage is concentrated in 10 States
- Gujarat, 0.99, 5%
- Karnataka, 1.02, 6%
- Madhya Pradesh, 1.1, 6%
- Rajasthan, 1.15, 6%
- Andhra Pradesh, 1.27, 7%
- Tamil Nadu, 1.25, 7%
- West Bengal, 1.33, 7%
- Maharashtra, 1.94, 10%
- Uttar Pradesh, 3.07, 16%
For More Information – Pradhan Mantri Awas Yojana 2024
Strategy for Other Urban Poor – Affordable Housing with Private Partners
- Sizeable Need from Urban Poor not living in slums
- Future Migrants also Important Target Group
- Such Households to be catered by Affordable Housing by Private Sector and State Boards.
- Creation of Demand by Interest Subvention
- Efforts Required to Augment Supply of Houses otherwise Prices will go up
- Enhancing Supply of Urban Land
- Extra FSI/TDR for Affordable Housing
- Relaxation of Density Norms
- Deemed NA Permission if land falls in Residential zone in Master Plan
- Single Window Clearance for Building Permissions
- Deemed layout and building permission for pre-approved designs
- Improvement in Construction Technologies
- Project Finance to Private Developers
Strategy – Rental Housing
- Rental units/Dormitories through ULBs or Private Partner
- If through ULBs or State Board, GoI one time support
- ULBs/State can engage Private Developers to Provide and Maintain rental units for 15-20 years
- ULB/State to pay Pre-decided Rent for Fixed Occupancy to Private Developer
- ULB/State to Select Beneficiaries to live in these units and Collect Subsidized Rent from them
- ULB/State to Provide Land or Extra FSI/TDR for such unit • Private Developer to be Selected through Transparent Bidding Process.
Strategy for Homeless and Destitute
Government Sponsored Rental Housing for Homeless and Destitute Provision of Night Shelter NGOs/Private Sector to help ULB in running those Homes/Shelters Convergence of other Govt Services in such units GoI may support with 60-75% Contribution
Resources for Mission Housing for All by 2024
- Government Support Required for – to bridge the gap in Slum Redevelopment in PPP mode – Interest Subvention for Affordable Housing – Rental Housing and Housing for Destitute & Homeless
- Difficult to Estimate the Required Resources at Present
- Depend on outcome of Bidding of PPP Projects and need of Interest Subvention
- Additional three crore houses at a average Cost of Rs. 7.5 lakh per house require Investment of Rs. 22.5 lakh crore.
- Largely to be met by private entrepreneurs through Banks, Financial Institutions
- At a rate of 20% , Central and State Governments expected to collect Rs. 4-5 lakh crores as Tax
- Large Percentage of 13 million Slum Households to be Provided houses through Redevelopment of Slum Land
- Slum Redevelopment in PPP mode will involve other Construction for Cross Subsidization
- If Profit for Private Developer is 20%, then Additional Construction of almost 10 times of Value of Slum Houses.
- More additional taxes to Central and State Governments to help fund Mission.
- Escrow Account for Additional Tax is one of the suggested Mechanism
- Alternatively seeing Constitutional and Administrative Complexity involved in escrowing it, Resources through Budgetary Support.
Mission Housing for all by 2024 Structure:
A Strong Mission required at Central, State Government and Big Cities – Housing for all by 2024 Scheme
Mission to have four distinct components/wings – Slum Redevelopment – Affordable Housing through Interest Subvention – Rental Housing for Migrants – Housing for Urban Destitute and Homeless
- Slum Redevelopment will require Experts on PPP and Finance
- Integrated Finance Division be part of Mission
- Existing Mission in Ministry to be strengthened
- Project approvals at State Level for Slum Redevelopment, Rental Housing etc. to be considered Mission Way Forward States to sign MOU agreeing for Mandatory Conditions like
- Development of slums through PPP mode
- Granting Additional FSI/TDR for slums and Affordable Housing Projects
- Single Window Clearance for Building and Lay Out Permission
- Pre-approved Lay Out and Building Design for EWS/LIG Housing
- Deemed NA Approval for Residential Zone in Master Plan
- Different Planning Norms for Unauthorised colonies
- Rationalising Rent Control Act
- De-notification of Slums after improvement or redevelopment
- Mission will start working with States signing MOU
- Convergence with RD, UD & Power at ULB Level
- Quick survey to ascertain quantum of shortage in the States
Formation of the State-Wise and City-Wise Action Plan with various components of Strategies
- Assessment of the required resources by adopting various mix of solution
- Allocating Budget resources available to States
- Projects as per City Action Plan with available resources.
