PMAY


The economics of developing affordable rental housing complexes

By on September 7th 2021

As a response to the COVID-19 migrant crisis and in furtherance of the Government of India’s ‘Atma Nirbhar Bharat’ mission, the Ministry of Housing and Urban Affairs announced the Affordable Rental Housing Complexes (ARHC) programme under the Pradhan Mantri Awas Yojana scheme to improve the living conditions of urban poor/migrant workers. Although the initiative is a novel step, it operational aspects demand more than what is being offered for enabling private/public agencies to leverage the opportunity and turn it into a grand scale programmatic intervention.  

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India’s home rental programme for migrant workers needs more nuance and ambition

By on August 17th 2021

The affordable housing rental complex (AHRC) scheme acknowledges the needs of mobile workers who spend short periods of time in the city and do not seek permanent housing. Applying what we know about migrant work and the development sector will help India to realise AHRC’s potential.

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Workers’ Housing Needs and the Affordable Rental Housing Complexes (ARHC) Scheme

By , and on August 9th 2021

The Government of India announced the Affordable Rental Housing Complex (ARHC) scheme in 2020 to provide formal, affordable, and well-located housing to urban poor and migrant workers’ communities. This study documents the results of a survey conducted by the Working People’s Charter covering aspects of ARHC supply streams, communities’ capacities and needs, and the scheme’s governance.

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Real Estate for Few

By on February 11th 2021

On 14 May 2020, Finance Minister Nirmala Sitharaman announced a “Rs 70,000 crore boost for the housing sector” in India by further extending the Credit Linked Subsidy Scheme under the Pradhan Mantri Awas Yojana (PMAY) for the Middle Income Group by one year, up to March 2021. This extension was announced as part of the second tranche of relief measures to boost the Indian economy under the Aatmanirbhar Bharat Abhiyan. However, the announcement is only aimed at satisfying a temporary need of reviving the economy without being mindful of fulfilling the real objective of the PMAY – to provide ‘housing for all’.

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Reading the PMAY against past urban housing schemes

By on February 5th 2021

The Jawaharlal Nehru National Urban Renewal Mission (JNNURM), launched in 2005, and the Pradhan Mantri Awas Yojana (PMAY), launched in 2015, have been some of the most significant interventions towards improved housing in recent times. A comparative look at their contribution to urban housing offers some clues about how policy is being shaped to respond to the emerging needs of Indian cities.

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Distribution of PMAY-U houses in city sizes across states

By on January 5th 2021

What does PMAY-Urban data about sanctioned houses tell us about state policies with regard to adopting different verticals of the program across city sizes?

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Emerging partnerships in low-income housing finance: Q&A with Manikandan K.P.

By on December 28th 2020

As the housing finance ecosystem adapts to service low-income housing, targeted interventions that build trust and connect disparate actors in the housing supply chain can bring transformative change. In this Q&A, Institution Builder and India Housing Federation co-founder Manikandan K. P. points out the opportunities and insights that led to a successful housing finance intervention for households availing the beneficiary-led construction (BLC) component of India’s flagship public housing scheme, the PMAY.

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A Partnership Approach: Increasing Access to Formal Micro Housing Finance for Low Income Households in Tamil Nadu

By on December 24th 2020

This case study outlines a collaboration between the Indian Housing Federation (IHF) and the Tamil Nadu Slum Clearance Board, the state level nodal agency for the Pradhan Mantri Awas Yojana – Urban (PMAY-U) in Tamil Nadu, to enhance the availability of micro housing finance for low-income communities through formal channels.

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Improving Housing for Urban Poor: Learnings from BLC Implementation in Kerala

By on November 20th 2020

This report is based on a primary assessment of the state of habitat improvement in Kerala, under the ambit of PMAY (U)-LIFE (Livelihood, Inclusion and Financial Empowerment) Mission, through a quantitative household survey in three cities of Kerala – Kochi, Trivandrum and Mukkam. It finds that the State’s interventions towards the Housing for All agenda have underscored the importance attributed to the landless and the homeless in the state, rather than slum dwellers exclusively. The State’s interventions have also successfully demonstrated an approach towards enabling livelihoods through housing and imbibing financial empowerment among women.

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PMAY: Variations across city size categories

By on July 24th 2020

What does project sanctions data tell us about how the PMAY Urban is faring in small, medium and large cities?

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