{"id":19560,"date":"2024-06-11T09:25:53","date_gmt":"2024-06-11T03:55:53","guid":{"rendered":"https:\/\/vajiramandravi.com\/current-affairs\/?p=19560"},"modified":"2025-10-01T11:48:24","modified_gmt":"2025-10-01T06:18:24","slug":"pmay-urban","status":"publish","type":"post","link":"https:\/\/vajiramandravi.com\/current-affairs\/pmay-urban\/","title":{"rendered":"Pradhan Mantri Awas Yojana"},"content":{"rendered":"<h2>About Pradhan Mantri Awas Yojana:<\/h2>\n<ul>\n<li>Pradhan Mantri Awas Yojana (PMAY) is a <strong>credit-linked subsidy scheme<\/strong> initiated to provide <strong>affordable housing <\/strong>to low and moderate-income residents across the country.<\/li>\n<li>The newly formed government has approved the proposal to provide <strong>3 crore additional <\/strong>rural and urban houses under PMAY.<\/li>\n<li>The scheme has <strong>two components: <\/strong>PMAY-U for the urban poor and PMAY-G and PMAY-R for the rural poor.<\/li>\n<\/ul>\n<p><strong>PMAY-U (Urban):<\/strong><\/p>\n<ul>\n<li><strong>Objective:<\/strong> To provide housing for all in urban areas.<\/li>\n<li><strong>Beneficiaries: <\/strong>Economically Weaker Section (<strong>EWS<\/strong>), Low-Income Group (<strong>LIG<\/strong>), and Middle-Income Group (<strong>MIG<\/strong>).<\/li>\n<li><strong>Subsidy Schemes:<\/strong>\n<ul>\n<li><strong>Credit Linked Subsidy Scheme: <\/strong>Offers interest subsidy on home loans for EWS, LIG, and MIG categories.<\/li>\n<li><strong>In-Situ Slum Redevelopment:<\/strong> Utilizes land as a resource to provide houses to eligible slum dwellers.<\/li>\n<li><strong>Affordable Housing in Partnership:<\/strong> Promotes partnerships with public and private sectors to provide affordable housing.<\/li>\n<li><strong>Beneficiary-Led Construction: <\/strong>Provides financial assistance to individuals to construct or enhance their own houses.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>PMAY-G (Gramin):<\/strong><\/p>\n<ul>\n<li><strong>Objective: <\/strong>To provide a pucca house with basic amenities to all rural families who are homeless or living in kutcha or dilapidated houses.<\/li>\n<li><strong>Beneficiaries:<\/strong> Identified using the <strong>Socio-Economic and Caste Census (SECC) 2011.<\/strong><\/li>\n<li><strong>Features<\/strong>:\n<ul>\n<li><strong>Financial Assistance:<\/strong> Rs. 1.2 lakh in plain areas and Rs. 1.3 lakh in hilly, difficult, and Integrated Action Plan (IAP) areas.<\/li>\n<li><strong>Construction:<\/strong> Houses are to be constructed by beneficiaries with technical assistance from the government.<\/li>\n<li><strong>Convergence with other schemes:<\/strong> Encourages convergence with other schemes like Swachh Bharat Mission (<strong>SBM<\/strong>) for toilet construction, and <strong>MGNREGA <\/strong>for wage employment.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr \/>\n<h3>Q1: What is a Center Sector Scheme?<\/h3>\n<p><a href=\"https:\/\/vajiramandravi.com\/current-affairs\/centrally-sponsored-scheme\/\" target=\"_blank\">Central Sector Schemes<\/a> are those that are implemented by a central agency and 100% funded by the centre on subjects within the union list.<\/p>\n<p><strong>Source: <\/strong><a href=\"https:\/\/pib.gov.in\/PressReleasePage.aspx?PRID=2023872\" target=\"_blank\" rel=\"nofollow noopener\">3 crore additional rural and urban houses under PMAY a boost for \u2018Ease of Living\u2019 and dignity for crores of Indians: PM<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pradhan Mantri Awas Yojana (PMAY) is a credit-linked subsidy scheme initiated to provide affordable housing to low and moderate-income residents across the country.<\/p>\n","protected":false},"author":5,"featured_media":19561,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-19560","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-upsc-prelims-current-affairs","8":"no-featured-image-padding"},"acf":[],"_links":{"self":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/posts\/19560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/comments?post=19560"}],"version-history":[{"count":0,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/posts\/19560\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/media\/19561"}],"wp:attachment":[{"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/media?parent=19560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/categories?post=19560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vajiramandravi.com\/current-affairs\/wp-json\/wp\/v2\/tags?post=19560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}