Housing sanitation and financial literacy

Following are few government schemes under Ministry of Housing and Urban Poverty Alleviation (MoHUPA) for marginalized poor in India to get financial support to build and own house or build own individual household toilets but very few people have awareness on these schemes. Very few of them know about processes and procedures to get access to these schemes. There is a need to create awareness on these opportunities and empower laymen to get access to financial resources.

Pradhan Mantri Awas Yojana (PMAY)

The Pradhan Mantri Awas Yojana was launched by PM Narendra Modi in 2015. Also known as the Housing for All scheme, the mission is to provide shelters to the homeless by 2022. Under the scheme, the Centre would be providing assistance to states and UT to provide homes to every citizen within seven years. The Central government has also announced home loan interest subsidy to those who are buying their first home in urban areas. Under the scheme, the government will provide interest subsidy of three to four per cent for a home loan amount of up to Rs 9 lakh and Rs 12 lakh.

Rajiv Awas Yojna

Launched in 2009, the Rajiv Awas Yojana (RAY) envisages a slum-free India and encourages state and union territories (UT) to bring all illegal constructions within a formal system. To increase the affordable housing stock under the scheme, the Centre has approved the Affordable Housing in Partnership (AHP) scheme to be part of the RAY. The scheme also provides support of Rs 75,000 per economically- weaker sections (EWS), Dwelling Units (DUs) of the size of 21 to 40 sqm. So far, Rs 1,398 crore has been spent while 37,000 houses are being developed under the scheme.

Pradhan Mantri Gramin Awaas Yojana

Earlier known as Indira Awas Yojna, the scheme focuses on providing pucca houses with basic amenities to homeless families. The objective is to build one crore homes of 25 sqm by 2022. The government shares the cost of construction with the state in the ratio of 60:40 in plain areas and 90:10 for north eastern and hilly areas. The cost for the unit assistance of Rs 1.2 lakh is also provided to the

beneficiary. People who will be benefitted are: