From UPSC perspective, the following things are important :
Prelims level : Pradhan Mantri Awas Yojana (PMAY), AHRC
Mains level : Housing for all
The Union Cabinet has given its approval for developing of Affordable Rental Housing Complexes (AHRCs). for urban migrants / poor.
Try this question from CSP 2015:
“Pradhan Mantri Jan-Dhan Yojna’ has been launched for
(a) Providing housing loan to poor people at cheaper interest rates
(b) Promoting women’s Self-Help Groups in backward areas
(c) Promoting financial inclusion in the country
(d) Providing financial help to the marginalized communities
- It is a sub-scheme under PM Awas Yojana – Urban.
- Under the scheme, existing vacant government-funded housing complexes will be converted in ARHCs through Concession Agreements for 25 years.
- The concessionaire will make the complexes livable by repair/retrofit and maintenance of rooms and filling up infrastructure gaps like water, sewer/ septage, sanitation, road etc.
- States/UTs will select concessionaire through transparent bidding.
- Complexes will revert to ULB after 25 years to restart next cycle like earlier or run on their own.
Beneficiaries of the scheme
- A large part of the workforce in manufacturing industries, service providers in hospitality, health, domestic/commercial establishments, and construction or other sectors, labourers, students etc. who come from rural areas or small towns seeking better opportunities will be the target beneficiary under ARHCs.
Benefits of AHRCs
- Usually, these migrants live in slums, informal/ unauthorized colonies or peri-urban areas to save rental charges.
- They spend a lot of time on roads by walking/ cycling to workplaces, risking their lives to cut on the expenses.
- ARHCs will create a new ecosystem in urban areas making housing available at affordable rent close to the place of work.
- Investment under ARHCs is expected to create new job opportunities.
- ARHCs will cut down unnecessary travel, congestion and pollution.
Back2Basics: Pradhan Mantri Awas Yojana (PMAY)
The PMAY- Urban Programme launched by the Ministry of Housing and Urban Poverty Alleviation (MoHUPA), in Mission mode envisions provision of Housing for All by 2022. The Mission seeks to address the housing requirement of urban poor including slum dwellers through following programme verticals:
- Slum rehabilitation of Slum Dwellers with participation of private developers using land as a resource
- Promotion of Affordable Housing for weaker section through credit linked subsidy
- Affordable Housing in Partnership with Public & Private sectors
- Subsidy for beneficiary-led individual house construction /enhancement.
- In pursuance to the goal – Housing for all by 2022, the rural housing scheme Indira Awas Yojana has been revamped to Pradhan Mantri Awaas Yojana – Gramin and approved during March 2016.
- Under the scheme, financial assistance is provided for construction of a pucca house to all houseless and households living in dilapidated houses.
- It is proposed that one crore households would be provided assistance for construction of pucca house under the project during the period from 2016-17 to 2018-19.
- The scheme would be implemented in rural areas throughout India except for Delhi and Chandigarh. The cost of houses would be shared between the Centre and States.