Blog on Pradhan Mantri Awas Yojana

MyGov Team
10 Jun 2022

After a long day of fieldwork as a daily wage labourer, Raju came to his temporary shelter where his wife gave him some water, ate some food, and rest on the ground to sleep. That night there came heavy rain and started pouring through the window not letting Raju sleep all night. This reminded Raju of his good old dream of having a house and sleeping under a roof without any fear of rain or something else. But Raju doesn’t have sufficient money to build his house. In our country, there are many Rajus dreaming of a shelter but couldn’t afford one. Addressing the issue to fulfil the dream of many people like Raju the Government of India has brought an affordable housing scheme called Pradhan Mantri Awas Yojana. Under this, the underprivileged can get a subsidized loan for building their dream home. Pradhan Mantri Awas Yojana First launched on 1st June 2015, is a CLSS or Credit Linked Subsidy Scheme under which you receive an interest subsidy after availing a loan for buying or constructing the house. PMAY is fulfilling the dreams of many underprivileged Indians building their dream home. Until now through PMAY(URBAN) 122.69 Lakhs Houses are sanctioned,100.05 Lakhs Houses are grounded and 60.15 Lakhs Houses are completed.

Whereas under PMAY(GRAMIN) 1.63 crore houses are completed. The scheme divides the applicants into 4 categories based on income and accordingly, the subsidy grants are given. The loan can be availed easily on meeting the basic criteria and the procedure for availing the loan is also pretty transparent. On our front as well we should market this wonderful scheme to every corner of the country. We can do this by raising awareness about the scheme by conducting various campaigns and educating people about the scheme. Encouraging the government employees to do the pro bono work on publicizing the scheme. And majorly educating the students about the scheme and its benefits as the illiterate parents may not understand the criteria or maybe fear all the documentation required but if their child who is studying is educated about the need and benefits, he will push his parents in availing the scheme and thus becoming a benefit holder. “Housing for all” is the tagline for PMAY, and housing is one of the basic need every family or an individual want or crave for. The Raju in the story had some good people around him who educated him about the policy and encouraged him to take this subsidized loan and build his dream home. But there are many other rajus who do not know the scheme and are waiting to be educated. Why not be that good person and educate raju about the scheme and help him build his dream house. Goodness comes to the people who be good and do good to others. Be a part of his sacred initiative. promote, educate and let people know of this scheme thus helping to realize the vision of the scheme of seeing all the people of India having their own house.

2) Having an own house is not just bricks and mortars for an individual. It’s a sense of security, a dream and one of the most important aims for any individual. But for many especially people hailing from the economically backward section, it stays a dream. Between the option of building their own dream house and feeding one’s family the latter is more important. Up till the year 2015 this was the harsh reality of the economically backward section, especially the people who from the economically backward section in the urban areas. The cities harsh life and the constant battle for survival left them no way to build one’s dream home.

To deal with this grim situation Prime Minister Narendra Modi ji and his government launched The Pradhan Mantri Awas Yojana-Urban. The PMAY- U is one of the best policies launched in the history of Indian Governance. This policy shows the ultimate vision of PM Modi, i.e., to work for the welfare of the society and uplift the poor. This social policy was much needed and when it launched it received appreciation of not only the soon to be beneficiaries but also receive appreciation globally. Through this yojana the urban underclass will have access to homes at prices that are more accessible. This initiative helps one in achieving their lifelong dream of owning their own house and in this process having a sense of satisfaction and security.

Now the question arises is that how does one ensure that this policy is a success and how to make the beneficiary aware of such social policies which are made for them? A major point to be noted here is that generally the beneficiaries of such policy are not well informed. So, if a major section under the group of the beneficiaries is not aware of such policies, then what can be done to ensure that the awareness is spread among them.

Here we the Youth of India have a major role to play and we need to take this task with utmost responsibility. First and foremost, we need to be well aware of what exactly this Pradhan Mantri Awas Yojana-Urban is. Only a person who is well informed himself can inform others and raise awareness. The next and most important job which we should do is have an eye out. By this I mean we should always be aware of our surroundings and look for people who fall under the criteria to become a beneficiary under the Pradhan Mantri Awas Yojana-Urban.

In our everyday life’s we encounter hundreds of people who are in need of such policies but due to their daily struggles of life and the fight to survive they do not have time for such things. We need to recognise such people and inform them about this great policy launched for them. Other ways in which we could increase awareness is having discussion sessions among out friend circle and making them aware of this policy so that they too can be in lookout for people in need for this policy. One along with their friends can also conduct awareness camps and have assistance groups with the focus of helping the beneficiary in the application process.

Active participation from us is very important for the success of any initiative. Such policies are the need of the hour and active implementation of this requires our active involvement and participation.

3) “Roti (food), Kapda (clothing) and Makhaan (shelter)” are considered to be the basic necessities of a decent life for every individual. Shelter is a safe haven of dwelling. However, like any developing country, India struggles in this sector due to multiple factors like increase in population, migration, Urban crowding etc. And to add salt to the wounds, the partition of India and its colonial past had left India in tatters. However, we have traversed a long journey to where we stand today.

The government has been making constant efforts towards mitigating these issues and providing a safe abode for all. There has been steady progress, constant monitoring, ensured quality, timely and adequate fund allocation, etc. have been rightly looked after.

The scheme not only provides housing for all, but also other sideline benefits too. For instance, there is employment generation and therefore poverty alleviation to an extent.

It also embraces environment friendly practices along with innovative technologies. This helps India fight climate change.

The cost is shared between the centre and the States and hence doesn’t burden either exchequer.

The scheme also envisages training of Rural Masons with the objective of improving workmanship and quality of construction of houses.  At the same time, this also increases availability of skilled masons and enhances employability of such masons.

The Urban component also reduces crowding and congestion which result in rise of  slums. This also adds aesthetic value to the cities where the roads and bridges are free of temporary tents

It might also prevent Rural to urban migration in search of  better housing with necessary amenities

Preference is to be given to women with overriding preference to widows, single working women, persons belonging to Scheduled Castes and Scheduled Tribes, Backward Classes, Differently abled and Transgender people thereby empowering them in the process.

All this proves the multi pronged approach of the scheme.

One might wonder what role we can play in the better implementation of this scheme. No Policy or legislation can be successful without people’s participation.

The first and the easiest step might be knowing the scheme well. This is also simplified through customized state specific quizzes on mygov app. Along with the knowledge, there is a good chance of winning a cash prize too.

We can also help the scheme succeed through speeding awareness and also help the eligible people apply for the same.

Personally, I would feel proud and satisfied even if I could enlighten one homeless individual below the bridge about the scheme and help him/her to get the benefit. As the proverb says, “little drops make a mighty ocean”. Also, we all might have encountered people without a proper shelter at least once.

Another effective effort could be efficient use of social media platforms to spread awareness and create a chain of impact. The power of social media has been proven innumerable times and we can make use of this power to better lives.

The commitment to provide pucca houses with all basic amenities can be noticed in the swifty progress of the scheme. And we as a society united can be a great force to push forward the scheme towards a bigger success and attain the goal of “Housing for All” by 2024

[These are 4 different blogs collated as a single blog written by our MyGov Interns Manideep Vulli, Tathagata and Yashashwini respectively.]

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