pradhan manthry awas yojana(urban)-success stories … · famous builders in kochi for raising the...

PMAY Palakkad ULB- Case study

PRADHAN MANTHRY AWAS YOJANA(Urban)-Success stories

Pradhan Manthry Awas Yojana is a centrally sponsored scheme which aims

to achieve a man’s basic need i.e. shelter through housing for all by 2022.

Housing for All (HFA) Mission is launched with an objective of addressing the

housing requirement of urban poor including slum dwellers through

following program verticals:

• Slum rehabilitation of Slum Dwellers with participation of private

developers using land as a resource

• Promotion of Affordable Housing for weaker section through credit linked

subsidy

• Affordable Housing in Partnership with Public & Private sectors

• Subsidy for beneficiary-led individual house construction

Access to secure tenure and housing has been a perennial issue

plaguing the urban poor for the past many years. Housing is an important

determinant for quality of life of people. It is the most basic need of human

being after food and clothing that needs to be addressed on priority.

122 Detailed Project Reports for Beneficiary Led Construction (New) of 93

Urban Local Bodies for the construction of 36918 dwelling units to the tune

of Rs.1107.54 Crore have been approved by the Ministry of Housing and

Urban Affairs. Construction of 12168 houses have been started and 229

houses have been completed .

It is targeted to provide houses for 1.8 lakh homeless in the State.

Apartment complexes will be constructed for landless in convergence with


LIFE Mission. Land has been identified in 25 urban local bodies for the

construction of apartment complexes.

A few success stories on convergence with private sector and impact of

PMAY(U) in the life of beneficiaries are portrayed below.

PMAY –Beneficiary led Construction –Convergence with Private Sector

Vennalappara Colony, with 24 families, is situated in the 42nd division of

Cochin Corporation. It is located in the Eastern Border of the Kochi city. It

was a quarry earlier, which has left 2 deep trenches in the area. The

trenches will be filled with rain water. The families are residing on the bank

of these trenches in Kuccha houses. The solid waste they generate is added

on to the water. The water supply is from the public tap near the road and it

is inadequate.

The inhabitants of the Colony are working in unorganized sectors like

housemaid, driver, and coolie. There were limited facilities for sanitation

and drinking water in the area. Houses with basic infrastructure are the

essential requirements for the settlement. About 24 families were residing

in the colony for the past 40 years. The colony was located in Road

Puramboke of the Corporation spread in 32 cents of land and the families

did not have land possession.


An overview of the colony

About 41% of the inhabitants are widows and they find it very difficult to

earn their living.


Now it has been proposed to implement individual housing scheme for

these families under PMAY. It is proposed to provide possession certificate

to all.

Since, majority of the beneficiaries are labourers they are not able to raise

the balance amount to complete their housing .Neither they can raise the

gap fund required for completing their houses through bank loans as they

have no land to pledge with the bank for meeting the extra amount.

Hence the matter was discussed with Puravankara Builders, one of the

famous builders in Kochi for raising the gap fund. As a result, it has been

committed by the builders to provide a gap fund of 50 lakhs for completing

the individual housing scheme for the beneficiaries.

Now the scheme will be implemented in collaboration with a private builder

by raising CSR funds .The beneficiary share will be mobilized and funds

required in addition to the Govt. Grant under Individual Housing scheme will

be met from the CSR funds as the beneficiaries are not able to bear the

burden of loans.

Case study of Kaliyamma , Guruvayoorappan and Lakshmy in Palakkad

Municipality

The family of Guruvayoorappan (survey code 466629) & Kaliyamma (survey

code 233117) were selected to study the impact of the PMAY project.

FAMILY 1: Kaliyamma

The first family selected for the case study belongs to ward number

36 of Palakkad municipality. This ward is densely populated and many


people do not have their own house to sleep. Kaliyamma is a widow who

lives with her two children in their maternal home. She has land to build a

nest, unfortunately her income do not allow her to take an initiative.

The demand survey conducted by Palakkad municipality under PMAY

is a boon to her & she happily enrolled to this scheme that she considered

as a beacon to her life. Now her dream home got a structure and soon it will

turn into a happy home.

FAMILY 2: Guruvayoorappan

Guruvayurappan is

residing in ward number 36 of

Palakkad municipality.

Through demand survey he

Kaliyamma -in front of her

house construction site.

Kaliyamma with her daughter & son


became a PMAY beneficiary. He is a daily labourer who works round the

clock to earn his daily bread. He has land to construct a house, but he

doesn’t have the monetary resource to give wings to his dream home.

When he heard about the project, he rushed to the Counsellor and

enumerator to get himself enrolled in the project. He produced all the

document and signed agreement with Palakkad Municipal Secretary &

remitted his part of share to start the construction.

Now he completed

the basement of his new

house and applied for the

2nd instalment. He

constructs a house with

60 sq m and likely to be

there in his new house,

within 6 months.

FAMILY 3-

This beneficiary named Lakshmy, is a resident of ward number 9 of

Palakkad municipality. She is a PMAY beneficiary with a survey code of

126474. Lakshmy is a widow and she earns her livelihood through daily

labour. As shown in the picture, her house have thatched roof & she cannot

stay on that during monsoon.


Now Lakshmy is happy that from this coming monsoon season

onwards she may live in a strong house that is not leaky. She is awaiting

building permit in order to start the work of her dream home.

PMAY plays an important role in improving the quality of life of individuals

who cannot afford a house by their own. Safe and secure dwelling unit with

basic amenities will increase the quality of life, self esteem and social status

of the urban poor.

pradhan manthry awas yojana(urban)-success stories … · famous builders in kochi for raising the...

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