Himanshu Sridhar
Let us delve into the PMAY scheme and what it entails. The Pradhan Mantri Awas Yojana is a messiah for the urban poor as the scheme or the initiative provides affordable and complete housing for the urban poor. The urban milieu is filled with rich people occupying the seedy underbelly of the realty world. The poor are often neglected and overlooked, made to become destitute and homeless as a result.
All of this has considerably changed for the better now as under the leadership of the Modi Gov., this particular scion of a saving grace befell the urban poor wherein infrastructure and housing facilities were reinstated at a commensurate value.
The motto being “Housing for All” which the Govt. of India hopes to ensure will conclude by the momentous 31st of March 2022. The major ulterior motive of this scheme was to provide a semblance of economic dependency for the rural as well as the urban poor and extricate them from abject poverty and homelessness.
A lot of strata and sub strata of creeds and classes are incorporated wherein the PMAY scheme ensures that it allocates adequate resources from scratch involving purchasing and acquisition of a house, procuring financial obligations regarding the same, ensuring that the various classes of people earmarked under the scheme are satiated, housing wise.
Certain tie ups with autonomous bodies and entities make sure that all the middlemen are weeded out and only premium housing loans and services are bestowed upon the people.
On 17/06/2015, The Modi govt. announced that this aforementioned scheme would be coming into effect, the goal being that on 31st march would be Gandhiji’s 150th birth anniversary. Coinciding on this day is pre meditated and not happenstance. A whopping 20 million houses are touted to be constructed across the length and breadth of India. There are a detailed and stipulated set of steps involved in it and the Govt. has so far managed to undertake this onus with verve and aplomb.
It’s not just about bridging the disparities that arise between the rich and the poor but to also promote self-reliance. This scheme emboldens and empowers the rural and the urban poor in almost all areas and hinterlands except that of our Administrative capital (Delhi) and Chandigarh as well.
This was rolled out in a wide array of phases, namely threefold in nature and they are as follows:
1. First phase/stage: Ideated and implementation of providing and covering 100 cities within a span of April 2015 to March 2017.
2. Phase 2 will encapsulate over 200 cities between April 2017 and March 2019.This is the penultimate stage in the PMAY process.
3. Last but not the least is the final stage wherein the remainder of the cities will be holistically covered and tended to in terms of affordable housing services and lending facilities between April 2019 to March 2022.
This is to bolster and galvanize the socio-economic situation of the mofussil and the urban poor. The PMAY scheme doesn’t discriminate between the pecking order of castes we have in our nation and subsidises everyone’s living conditions by taking their plights and allocating the necessary resources required for housing, from the ground up.
The adept facilitators employed by the Govt. of India are firebrand professionals who will make sure that the needs of the homeless Indian citizens is given utmost primacy to. Their mission is to provide nominal and fairly priced housing and revive the inflation ridden realty sector, understandably so.
These change makers operating under the close scrutiny and tutelage of the Modi Govt. and the home loan subsidy scheme as well is incorporated under the umbrella term of PWAY scheme. They specifically cater to various sects of people and provide the necessary housing arrangements based, once again on annual income and other barometers.
The resounding success of an initiative like PMAY and why is has yielded fruitful results so far is because it has brought about a sense of unity, solidarity and diversity. With our rampant poverty a rate increasing progressively, the scheme has actively worked to give forth a sense of self to all the ones bereft of a home/hearth. I doff my hat to the Govt. for seizing the reins of decision making and wish them many more laurels such as this in the future.
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