PMAY

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.

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.

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

Neither the physical and financial progress of the urban component of the Pradhan Mantri Awas Yojna have fared as as well as the PMAY-Grameen, which focuses on housing in rural India.

BLC dominates and only a handful of states show variations in the the verticals adopted under PMAY