1. PRADHAN MANTRI AWAS YOJANA DEPARTMENT OF HOUSING, GOVT OF KARNATAKA.
By 2022 – Urban…
DEPARTMENT OF HOUSING, GOVT OF KARNATAKA.
RAJIV GANDHI RURAL HOUSING CORPORATION LIMITED STATE LEVEL NODAL AGENCY

2. PMAY-HFA PMAY PMAY Mission launched on 25.06.2015
Total cities covered: (including planning area/ Special area/
Industrial Area/Development Area )
Mission Period:
State Level Nodal Agency: RGRHCL
Implementing Agencies: KSDB, KHB, UDAs, ULBs, Private Developer etc
Implementation Strategy : Convergence with State housing scheme
Vajapayee Housing Scheme
Ambedkar Housing Scheme
Special Housing scheme,
PKGB etc.

3. Beneficiary can take advantage under one component only
VERTICALS
BLC
CLSS
AHP
Slum
Redevelopment
With private
sector or public
sector including
Parastatal
agencies
For EWS Category
IAs to prepare
Integrated projects.
Subsidy for new
house or extention
projects with EWS ( 35%), LIG, MIG & HIG houses.
GoI grant Rs.1.5 lakh per EWS
house
Upfront
6.5% for EWS /LIG for loans upto
Rs. 6 lakh for 20 year tenure.
GoI grant Rs.1.5 lakh will be directly released to beneficiary through Geo Tracked system
Beneficiary can take advantage under one component only
“In-situ” using
Land (govt/private) as a resource with
private
participation
GoI grant Rs. 1
lakh per housea
Extra FSI/FAR and
TDR if required
Land on Central Govt is also eligible
For EWS Category
House with max. 21 sqmt is eligible
Min.9 sqmt to be added
GoI grant Rs.1.5 lakh
House/purchase/repurchase
4% & 3% for MIG 1 /MIG 2 for loans upto
Rs. 9 lakh & Rs. 12 lakh respectively for 20 year tenure.
EWS & LIG
MIG 1& 2
New
Enhancement

4. ELIGIBILITY CRITERIA:
PMAY
ELIGIBILITY CRITERIA:
A family comprising husband, wife, unmarried children.
Not having pucca house any where in India
Having kutcha /semi kutcha house.
Having pucca house carpet area less than 21 Sqmt
Adult earning member (married/unmarried) having no house any where in India
Family residing in ULB limit/ planning /special/development/industrial area
Annul income as follows:
Category
Income
BPL /-
EWS
87600/-- 3 lakh
LIG
3-6 lakh
MIG 1
6 -12 lakh
MIG 2
12-18 lakh

5. FUNDING PATTERN PMAY Vertical (Rs. In lakh) BPL EWS GoI GoK SC/ST
General
ISSR
1.00
2.00
1.20
0.00
BLC –New
1.5
BLC –Enhancement
AHP
Permissible Carpet area:
Category
Income
Remarks
BPL
30 sqmt
May construct slightly larger house
EWS
LIG
60 Sqmt
MIG 1
160 sqmt
MIG 2
200 sqmt

6. CREDIT LINKED SUBSIDY SCHEME
Purpose:
New House(construction/ purchase/resale)
Extension (EWS/LIG only)
Repair (EWS/LIG only)
Items
EWS
LIG
MIG-1
MIG-2
Income limit (Per Annam)
up to 3.00 lakh
3.01 to 6.00 lakh
6.01 lakh to 12 lakh
12.01 lakh to 18 lakh
Carpet Area: (Sqmt)
up to 30
up to 60
160 sqmt
200 sqmt
Loan amount (max)
6.00 lakh
9.00 lakh
12.00 lakh
Loan period
20 Year
20 year
Interest subsidy (Per Annam)
6.5%
4 %
3 %
Interest subsidy amount
2.67 lakh
2.67lakh
2.35 lakh
2.30 lakh
Incentive in lieu of Loan processing fee
3000
2,000
Additional loan
Additional loan beyond limit will be at non subsidized rate
EWS/LIG beneficiary may construct larger house. But extension/ repair limited to 30sqmt/ 60 sqmt

7. CNA & BANKS Central Nodal Agencies: HUDCO/ NHB Banks:
Scheduled Commercial banks
Housing Finance Companies
Regional Rural Banks
State Cooperative Banks
Urban Cooperative Banks
Small Finance Banks
Non Banking Finance Company-Micro Finance Institutions
Beneficiaries will submit self –certificate /affidavit as proof of income
Beneficiary has to submit application
Directly to bank (EWS/LIG/MIG)
Through ULB (EWS/LIG).
Bankers will sanction loan after due diligence
Subsidy will be claimed by banks from HUDCO / NHB.
Subsidy will be released to beneficiaries account upfront
Rs.250 per sanctioned application would be paid as incentive to ULBs (EWS/LIG only).

8. IMPLEMENTATION STEPS The following are the steps of implementation
Demand Survey
1st
HFAPoA
2nd
AIP
3rd
DPR submission
4th
Implementation
5th
SURVEY-ASSESS HOUSING DEMAND
ULB/ KSDB conducted survey in non slum & slum areas respectively .
Beneficiaries applied directly in citizen portal Or through Common Service Centres
Validation of application received through Citizen Portal/ CSC will be conducted by ULBs.

9. PREPARATION OF HFAPoA/AIP
HOUSING FOR ALL PLAN of ACTION:
Based on demand survey /other data, ULBs will prepare HFAPoA
Non slum Urban Poor
Strategy to provide housing by 2022
(Year wise target /Vertical wise )
Asses fund requirement
Plan for Resource Mobilization
Slum development
Analysis of present status of slums-
Financial viability of slums
Analysis of Tenability/ un-tenability
Strategy for tenable / un-tenable slums

10. PREPARATION OF HFAPoA/AIP
ANNUAL IMPLEMENTATION PLAN:
Based on HFAPoA/ availability of resources, State will submit AIP dividing task upto 2022 (year-wise target/ fund requirement)
Approval of SLSMC will be obtained.
SUBMISSION OF DPRS
Based on HFAPoA/ availability of resources, ULBs/ IAs will submit DPRs.
7B/7C/7D, Beneficiaries list, estimate plan, etc through online
IMPLEMENTATION:
AHP:
IA will invite tenders, obtain approval from SLSMC
Construction work will be entrusted to contractor
Quality will be monitored by IAs/SLNA
Houses will be allotted to beneficiaries.
BLC:
Beneficiary will construct house on their own.
GPS photos (Bhuvan App/ Indira App ) will be captured.
Fund will be released directly to his account.

11. PROJECT APPROVAL MECHANISM
SLAC
SLSMC/ GoK IA
SLNA (RGRHCL)
CSMC/ GoI
Select Beneficiaries & submit DPR
Verify DPR & place before SLAC/ SLSMC
Appraise DPR & recommend to SLSMC
Approve DPR & recommend to CSMC
Approve DPR & release fund

12. FUND RELEASE MECHANISM
AHP/BLC/ISSR:
GoI share will be released in 3 installments – 40%, 40% & 20%
1st inst after approval of CSMC
2nd &3rd inst. will be released on 70% utilization.
Funds to be kept in single account. Interest can be utilized for project purpose.
CLSS:
Advance subsidy will be released to CNA.
Subsequent inst. on 70 % utilization.
CNA to release the subsidy to banks in 4 inst. based on the claims on the total loans disbursed.
Banks credit subsidy to the beneficiary’s account upfront.

13. FUND RELEASE MECHANISM
Release in 4 inst
GoK
GoI
Beneficiary UC
RGRHCL
BLC
Release
Release in 3 inst
GoK
GoI IA UC
RGRHCL
AHP
Release

14. CAPACITY BUILDING ACTIVITIES :
Funding Pattern
Activities
GoI
GoK
Remarks
SLTC
75%
25%
SLTC-10 experts
CLTC
CLTC-4 experts each city
HFAPoA
Demand survey, Preparation of HFAPoA
TPQMA
SLNA will appoint Agency for monitoring quality. GoI funds for 3 visits only
Capacity Building
100% -
Training/Workshops/ Exposure visits/ Research & Documentation / Best practices/
ICE
Hoardings, Standees, Banner, Poster, leaflets etc
Social Audit
5-10% of approved projects will be considered for social audit. Projects having more than 100 DUs will be considered.
Geo-Tagging
5 stage photos needs to be captured for BLC projects.
Surveyor & Supervisor will capture photo & moderate respectively. Rs. 200/- per Dus
A&OE
Travel Expenses (SLTC/CLTC), Communications, etc

15. Thank you