What is Pradhan Mantri Aawas Yojana? Know more about it

About the Pradhan Mantri Aawas Yojana Program:-

This a scheme by the government of India which was launched on 25 June 2015. This scheme is backed by the ministry of Housing and Urban Poverty Alleviation. The role of people like Hardeep Singh Puri was huge. Hardeep Singh Puri is a former diplomat who is now a minister in Ministry of Housing and Urban Poverty Alleviation. This scheme have a history of being implemented in 1985 by Prime Minster of that time Rajeev Gandhi naming it as Indira Aawas Yojana. That scheme was targeted for SC/STs and other minorities of the country and below poverty line population.

The scheme of Pradhan Mantri Aawas Yojana which was launched by the government of India in 2015 is divided into two elements like:- Pradhan Mantri Aawas Yojana-Rural and Urban.

The scheme of Pradhan Mantri Aawas Yojana is implemented in three phases in different time period.

Phase 1:-

It covered 100 cities. This phase was between the time period of April 2015 to March 2017.

Phase 2:-

It covered more 200 cities. This phase was of time period between April 2017 and March 2019.

Phase 3:-

It covered the remaining number of cities. This was of time period between April 2019 and March 2021.

Aims and Objectives of this scheme:-

The reasons of launching this scheme were many.

1. To enable people who are economically weaker sections of society with basic shelter need of housing.
2. To raise standards of living of people who are from below poverty line population.
3. To provide an interest subsidy of housing loans to certain category of groups of people.
4. To make people use of other related schemes.
5. To empower women as it will construct houses to people and gives the ownership of the houses to female of the house.
6. To empower people in getting all the basic needs of life which are proper electricity, washrooms, kitchen and water supply.
7. To provide a support of basic needs to the weaker sections of society like transgender, women, scheduled castes and tribes and other minorities living in the country.

Eligibility criteria of the scheme:-

1. Any household with an average income of 3 lakhs to 18 lakhs will be eligible to take an advantage of this scheme.
2. People who are enrolling in this house should not have any house of their name in any part of the country.
3. The person who want to get an advantage of this scheme should not be having any direct benefit of central of state government sponsored subsidy.
4. The loans related to self-building of house is only for people who belongs to an economically weaker social background.
5. Under this scheme, the house would be owned by the female of house or in a confined form with the male member of the family.

Pradhan Mantri Aawas Yojana- Urban:-

This is for the people who are living in Urban areas. It have four components or elements in it. These are:-

1. Economically weaker sections
2. Lower Income Groups.
3. Middle Income Groups 1
4. Middle Income Groups 2

All these are categorized based of their per annum Income.

Pradhan Mantri Aawas Yojana- Rural or Grahmin:-

This is the scheme which was implemented for the people who are living in rural areas of the country to raise their standard of living and connecting them with urban. This scheme have three elements in it. These elements are:-

1. Improvement or Individual House Construction:-

This scheme categorizes those people who have no houses and those who have a house but they want to improve the condition of their houses.

• Group Housing Ventures:- This scheme is for the people who are eligible with the required criteria and constructing Group Housing Ventures for them in rural areas.

Progress of the scheme with facts:-

Pradhan Mantri aawas Yojana- Rural:-

1. 55 percentage of construction target have been completed.
2. 1.27 Crore houses have been built for people living in rural India in January 2021 itself.
3. Helped in convenience of the implementation of swatch bharat abhiyan mission of constructing houses for people.

Pradhan MANTRI Aawas Yojana- Urban:-

1. According to research it have been shown that 118.9 Lakhs houses have been built under this scheme.

There are various reasons why there were some lack of implementation of these schemes which are:-

1. Due to covid 19 as it required a complete lockdown and the priorities of that time were different and more critical. Before covid the implementation of that time of this scheme was 80 percent.
2. Some states have a good implementation rate like Uttar Pradesh and West Bengal and least implementation in Bihar. This can be because of more corruption and less on ground efficient force.
3. Funding problems by central government in state governments according to some allegations.
4. Documentation Problems.

Way forward and suggestions:-

Here are some ways and ideas to implement which executing the scheme of Pradhan Mantri Aawas Yojana. This is important to make considerations of these points. Here are some written which are below:-

1. More initiatives of building houses should be done minding the Thermal comfort which is a part of Eco Niwas Samhita like what is been implemented in Rajkot of Smart Ghar Project.
2. There should be more and more focus on slums and how it can be reformed considering the importance of maintaining proper hygiene, water and proper electricity supply to people.
3. More environmental awareness should be focused while construction of houses takes place so as to decrease the negative effect created on the environment and people.
4. Making those homes aware of the recent development and encouraging them to learn in demand and trendy skills so then they can connect with the mainstream society and can migrate to find better opportunities for themselves. Government can launch and brand many programs to teach important skills to those people or young children so that they can improve their standards of living on a large-scale targeting large number of people.