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2

ForewordI am honoured to present this booklet ‘Urban Transformation through Housing for All: 1 Crore and More’ on achieving the milestone of sanctioning more than one crore PMAY(U) houses in the 50th meeting of Central Sanctioning and Monitoring Committee (CSMC) held on 27th December, 2019.

The vision of Hon’ble Prime Minister to provide pucca house to every household by year 2022, the 75th year of India’s Independence became my Ministry’s mandate and Mission. In the process, Ministry received unstinted guidance from everyone, as we set out in fulfilling the validated housing demand of 1.12 crore from States/UTs.

The scheme synergises Public, Private & Peoples Partnership; however, its prime movers are the beneficiaries who have invested their lives savings and efforts to fulfil the dreams of owning a house wholeheartedly. This enthusiastic participation has resulted in delivery of 32 lakh houses already. The States/ UTs have played steward role in this journey through Urban Local Bodies and concerned departments. We have received generous support from the Ministry of Finance for seamless funding of projects.

Further, the initiatives such as Global Housing Technology Challenge (GHTC)- India, Angikaar: a campaign for embracing complete change and CLSS Awas Portal (CLAP), all taken up with the motivation of Hon’ble Prime Minister, have brought fresh energy in overall scheme implementation and has resulted in dignified living to the deprived citizens, a reality. Various fiscal and financial measures introduced by Hon’ble Finance Minister to boost affordable housing sector and reforms for ease of doing business in construction permits or otherwise impacting real estate sector have greatly helped our efforts.

The HFA Mission Directorate led by Joint Secretary & Mission Director, Shri Amrit Abhijat and his entire team of officials, experts in Project Management Unit & attached organisations have worked relentlessly to achieve this important goal post today. We have got over 60 lakh houses grounded so far.

Hon’ble Minister of State (I/C), Ministry of Housing & Urban Affairs, Shri Hardeep S. Puri has, at all times, been confident of our efforts and asserted that we will meet the Mission mandate before 2022. I am immensely thankful for his continuous guidance and faith in us.

As we move on, I am sanguine that we will be faced with challenges of implementation and occupancy but, we are determined and confident that our commitment and resolve will enable us to achieve the goal to fulfil the dreams of millions.

As Secretary, I feel humbled and fortunate that the God has given me opportunity to serve the people of this great nation through this Mission. In essence, the scheme manifests the clarion call of our Hon’ble Prime Minister for “Sabka Saath, Sabka Vikas aur Sabka Vishwas”.

Once again, tons of thanks to one and all for being part of our journey in making this milestone possible!

27.12.2019 (Durga Shanker Mishra)New Delhi Secretary Ministry of Housing and Urban Affairs Government of India

3

Note: 21.93 Lakh Houses in100 Smart Cities & 49.87 Lakh Houses in 487 AMRUT cities.

Mission Progress

Features & Progress

3

••••••

Features

Note: 21.93 Lakh Houses in100 Smart Cities & 49.87 Lakh Houses in 487 AMRUT cities.

Mission ProgressFeatures & Progress

4

2014

2015

20162017

2018 2019

100+ LakhHouses

41.63 LakhHouses16.76 Lakh

Houses7.26 Lakh

Houses

Hon’ble President’s Announcement -‘Housing for All

by 2022’

Road to success... 4

80.33 LakhHouses

Road to success...

5

5

(Sanctioned houses in Lakh)

Journey so far...

- 0.13

2.18

1.60

0.23

0.83 1.02 0.73

0.39

1.25

0.37 0.39 0.70 0.84

1.97

0.07 0.51

0.79 0.77 1.25

1.01 1.43

0.71

2.85

2.18 2.36

2.10

1.12

5.45

1.87

1.29

3.22

1.44 1.45

3.19

2.68

1.12

6.28

2.15 2.05

3.11

4.79

5.61

2.51

1.40

2.99

1.23

2.31

3.31

6.40

17 S

epte

mbe

r 201

527

Oct

ober

201

518

Nov

embe

r 201

521

Dec

embe

r 201

525

Janu

ary

2016

18 F

ebru

ary

2016

17 M

arch

201

628

Apr

il 20

1626

May

201

622

July

201

611

Aug

ust 2

016

31 A

ugus

t 201

630

Sep

tem

ber 2

016

27 O

ctob

er 2

016

22 N

ovem

ber 2

016

08 D

ecem

ber 2

016

20 D

ecem

ber 2

016

18 Ja

nuar

y 20

1720

Feb

ruar

y 20

1721

Mar

ch 2

017

24 A

pril

2017

29 M

ay 2

017

21 Ju

ne 2

017

24 Ju

ly 2

017

23 A

ugus

t 201

727

Sep

tem

ber 2

017

30 O

ctob

er 2

017

29 N

ovem

ber 2

017

27 D

ecem

ber 2

017

07 F

ebru

ary

2018

27 F

ebru

ary

2018

26 M

arch

201

827

Apr

il 20

1830

May

201

825

June

201

824

July

201

823

Aug

ust 2

018

26 S

epte

mbe

r 201

830

Oct

ober

201

828

Nov

embe

r 201

827

Dec

embe

r 201

830

Janu

ary

2019

25 F

ebru

ary

2019

28 Ju

ne 2

019

25 Ju

ly 2

019

29 A

ugus

t 201

925

Sep

tem

ber 2

019

31 O

ctob

er 2

019

27 N

ovem

ber 2

019

27 D

ecem

ber 2

019

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

0.00

20.00

40.00

60.00

80.00

100.00

2015-16 2016-17 2017-18 2018-19 2019-20

7.2616.76

41.63

80.33

103.00

No.

of H

ouse

s

Year-on-year sanction

Journey so far...

6

GROWTH DRIVERS

7

7

Sanction in other than NE & Hilly States

Andhra Pradesh20.00 Bihar

3.03

Chhattisgarh2.55

Goa0.01

Gujarat6.25

Haryana2.67

Jharkhand1.98Karnataka

6.25Kerala1.26

Madhya Pradesh

7.70

Maharashtra11.57

Odisha1.42

Punjab0.80

Rajasthan1.99

Tamil Nadu7.36

Telangana2.15

Uttar Pradesh15.54

West Bengal4.09

No. of houses in Lakh

Sanction in other than NE & Hilly States

8

8

Sanction in NE, Hilly States and UTs

NE & Hilly States

Arunachal Pradesh

7,230

Assam96,989

Himachal Pradesh

9,939

Manipur42,823Meghalaya

4,672

Mizoram30,339

Nagaland32,001

Sikkim537

Tripura82,011

Uttarakhand39,575

A&N Island612

Chandigarh320

D&N Haveli4,299

Daman & Diu1,217

Delhi16,352

Jammu & Kashmir46,497

Ladakh1,777

Puducherry13,389

Union Territories* only CLSS cases in Delhi & Chandigarh

Sanction in NE, Hilly States and UTs

9

0.00

10.00

20.00

30.00

40.00

50.00

60.00

70.00

80.00

90.00

100.00

2015-16 2016-17 2017-18 2018-19 2019-20

7.26

16.7

6

41.6

3

80.3

3

103.

00

9.86

17.5

2

36.0

0

52.6

7

60.0

0

7.27

11.0

2 19.4

3 26.1

8

32.0

0

No.

of H

ouse

s

Sanctioned Grounded Completed

Year-on-Year Physical Progress

9

Year-on-Year Physical Progress

10

₹ ₹

₹ ₹

₹ ₹

₹ ₹ ₹

Comparison with Earlier Scheme

10

Comparison with Earlier Scheme

11

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Finance & Economy

Funding of Houses

EBR (Extra Budgetary Recourse) is a funding mechanism to supplement the additional requirement over and above the budgetary allocation provisioned by Ministry of Finance, Govt. of India

Central Assistance

Rs 1.63 Lakh Cr

State GrantRs 1.23Lakh Cr

ULB ShareRs 0.25Lakh Cr

Beneficiary ShareRs 3.02Lakh Cr

Total InvestmentRs 6.13 Lakh Cr

12

Funds ReleasedRs 64,000 Cr

Funding of Houses

Central Assistance

27%

State Grant20%

ULB Share4%

Beneficiary Share49%

Budget26,000

EBR38,000

EBR (Extra Budgetary Recourse) is a funding mechanism to supplement the additional requirement over and above the budgetary allocation provisioned by Ministry of Finance, Govt. of India

Finance & Economy

13

Year-on-Year Central AssistanceYear-on-Year Central Assistance

12,19226,437

64,352

1,24,590

1,63,181

3,2237,821

24,352

49,42464,000

491 2,015 6,60525,614

49,717

0

20,000

40,000

60,000

80,000

1,00,000

1,20,000

1,40,000

1,60,000

1,80,000

2015-16 2016-17 2017-18 2018-19 2019-20

Sanctioned

Released

Utilised

13

(Rs in Crore)

14

Impact on Ancillary Sectors

Housing

Cement

Frame & Furniture

Transport

Iron & Steel

Electricals/ Paints

Plumbing Equipment

14

Investment in Housing impacts 21 sectors of economy fuelling employment. Source: CSO, MOSPI, Govt. of India

Impact on Ancillary Sectors

15

Source: Assessing Employment Generation under PMAY-Urban, National Institute of Public Finance and Policy, February 2019

Labour inputs per unit House (30 sq. m)Labour inputs per unit House (30 sq. m)

Labour Input

Plains(289 PDs)

Skilled(86 PDs)

Unskilled(203 PDs)

Hilly Region(373 PDs)

Skilled(106 PDs)

Unskilled(267 PDs)

15

(PD: Person Days)

3.126.44 13.77

18.93

39.85

7.8814.34

30.12

42.55

80.15

10.9919.80

42.90

60.49

120.00

2015-16 2016-17 2017-18 2018-19 2019-20

Direct Indirect Total

16

Employment Generation

Figures in Lakh

Employment Generation

16

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Credit Linked Subsidy Scheme (CLSS)

State Wise Distribution under CLSS

18

Legend CLSS Beneficiaries

> 1,00,000

50,000 – 1,00,000

25,000 – 50,000

10,000 – 25,000

< 10,000

8.18 Lakhbeneficiaries

DELHI

JAMMU ANDKASHMIR

ANDAMAN ANDNICOBAR ISLANDS

TAMIL NADU

LAKSHADWEEP

GOA

KARNATAKA

MAHARASHTRA

ODISHA

CHHATTISGARH

MADHYA PRADESH

DAMAN AND DIU

DADRA ANDNAGAR HAVELI

RAJASTHAN

WESTBENGAL

JHARKHAND

BIHAR

UTTAR PRADESH

HARYANA

PUNJAB

UTTARAKHAND

SIKKIM

MEGHALAYA

TRIPURAMIZORAM

MANIPUR

ASSAM

NAGALAND

ARUNACHALPRADESH

GUJARAT

HIMACHALPRADESH

KERALA

PUDUCHERRY

ANDHRAPRADESH

Indian Ocean

ArabianSea

TELANGANA

LADAKH

Credit Linked Subsidy Scheme (CLSS)

State Wise Distribution under CLSS

18

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19

Year-on Year Progress under CLSS

27,025

1,67,6582,52,926

5,8351,13,866

4,00,292

5,64,942

28,442

1,40,891

5,67,950

8,17,868

0

1,00,000

2,00,000

3,00,000

4,00,000

5,00,000

6,00,000

7,00,000

8,00,000

9,00,000

2015-16 2016-17 2017-18 2018-19 2019-20(till Dec'19)

CLSS

Ben

efic

iarie

s (N

os.)

MIGEWS/LIGTotal

8.18 LakhCLSS beneficiaries

as on 27.12.19

Year-on Year Progress under CLSS

2020

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21

Technology Innovation – GHTC India

Use of Alternate Construction Technologies

•••

••••

•••

TechnologySub-Mission

under PMAY(U)

22

Use of Alternate Construction Technologies

Technology Innovation – GHTC India

22

Light House ProjectsLight House Projects

Location Technology Houses

Indore

Rajkot

Chennai

Ranchi

Agartala

Lucknow

23

Demonstration Housing Projects (DHPs)Demonstration Housing Projects (DHPs)

Stay in Place - CR Steel Formwork System

Glass Fibre Reinforced Gypsum Panel System

EPS Core Panel Technology

Light Gauge Steel Frame System & Stay-in-place formwork - Coffor

Stay in Place - EPS Double Walled Panel System

Model housing projectscontaining up to 40 Houses eachwith sustainable, cost and timeeffective emerging alternatehousing construction technologiessuitable to the geo-climatic andhazardous conditions of theregion. Nellore, Andhra Pradesh Hyderabad, Telangana

Bihar Sharif, Bihar Lucknow, Uttar Pradesh Bhubaneswar, Odisha Lucknow, Uttar Pradesh Bhubaneswar, Odisha

24

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25

Accountability Systems

26

PMAY(U)

Demand validationby ULBs

Aadhaar seeding

Geo-tagging

DBT/ PFMS

Digitization with bank a/c

Web-demand capture 1

2

3

4

5

6

Accountability Systems

26

27

Lintel Stage

Completion Stage

Foundation Stage2

3

5

1 Grounding Stage

Roof Stage4

Geo-Tagging of BLC house in Ambikapur, Chhattisgarh

Bhuvan Mobile App30 Lakh BLC houses geo-tagged

NIC Mobile App 1,100 AHP/ISSR projects geo-tagged

Geo-TaggingGeo-Tagging

27

Citizen Centric IT Solutions

Mobile Applications

Websites & Dashboard

Citizen Centric IT Solutions

Bharat MapsBhuvan HFAUMANG

pmay-urban.gov.in pmayuclap.gov.in ghtc-india.gov.in

PMAY(U) App

28

28

CLSS Awas Portal (CLAP)CLSS Awas Portal (CLAP)

https://pmayuclap.gov.in

29

29

angikaar - Embracing Change

Cities Covered

4,424ARPs on Field

7,800Beneficiary Need Assessment

15 LakhCitizen Coverage

22 Lakh

angikaarEmbracing Change

Adapting PMAY(U) Homes A Campaign for Change Management Convergence with Missions and Ministries

ARP: Angikaar Resource Persons

30

Implementation Process

Selection of Cities

Decide timelines on

Mandatory Conditions

Stakeholders’ Consultations

Demand Survey

Enter into MoA with MoHUPA

HFAPoAVision Document

Annual Implementation

Plan(AIP)

Identification & prioritization of

Projects

Preparation of

DPRsApproval by

SLSMC

Random appraisal at MoHUPA &

consideration for release of funds by

CSMC

Funding Access

Disbursement of 1st installment to States/

UTs

Project Implementation

Subsequent Fund Disbursement

Release of advance subsidy to CNAs

Signing of MoU between CNAs & PLIs Indl. Loan

applications Approval by PLIs

Appraisal of HFAPoA

States/UTs

For C

LSS c

ompo

nent

Enter into MoA with MoHUA

Preparation of DPRs

Approval by SLSMC

Annual Implementation

Plan (AIP)

Mission Architecture

Implementation Process

Mission Architecture

31

Enabling Reforms

1

2

3

4

5

6

Removal of NA permission from residential zone of Master Plan

Single-window Time-bound building approval system

Adoption of pre-approved building design system

Amendment of existing rental laws as per Model Act

Provision of additional FAR/TDR for low cost housing

Earmarking of land for affordable housing in Master Plan

Mandatory Reforms

3232

Key Initiatives: Driving ProgressKey Initiatives: Driving Progress

•Real Estate (Regulation and Development) Act, 2016 (RERA) for regulation and promotion of the Real Estate.RERA

•Infrastructure Status to Affordable HousingInfrastructure

Status

•National Urban Housing Fund (NUHF) - EBR of Rs. 60,000 for funding PMAY(U) projectsNUHF

•8% to 1% in Affordable Housing projects •12% to 5% in other housing projectsReduction of GST

•Affordable Housing Fund (AHF) with initial corpus of Rs. 10,000 Cr. to reduce interest burden on affordable housing.AHF

•Widening the scope of Affordable Housing- for income tax benefits (Section 80-IBA) from 30 to 60 sqm for Metros & 60 to 90 sqm for Non-metros Income Tax Benefits

•Alternate Investment Fund (AIF) of INR 25,000 Cr. for last mile funding of stalled Housing projectsAIF

•Major jump in ease of doing business rank in Word Bank’s Doing Business Report from 142nd to 63rd. In construction permit, India climbed from 52th to 27th placeEoDB

33

Housing for All : Multi – Pronged Approach Housing for All: Multi- Pronged Approach

Housing for All by

2022

Access to Finance

Technology for

Construction

Training & Capacity Building

Reducing Cost

Efficient land use

“Provide Every Family with a pucca house, water connection, toilet and 24x7 electricity supply” Shift focus of projects to life cycle cost

approach instead of cost per square foot approach

Use land lying idle with sick/loss making PSUs of central/state governments

Consider a subcategory under priority sector lending for affordable houses

Housing for All STRATEGY FOR 2022

Source: Strategy for New India @75, NITI Aayog, 2018 34

34

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35

PMAYUrban

pmayurban

mohua.gov.inThe Joint Secretary (Housing for All)Ministry of Housing & Urban Affairs Government of IndiaRoom No.116, G-Wing, Nirman BhawanNew Delhi-110011Tel: 011-23061419; Fax: 011-23061420E-mail: jshfa-mhupa@nic.in

pmayurban

pmay-urban.gov.in

ghtc-india.gov.in

pmayuclap.gov.in