Lok Sabha Question No. 2501 (UNSTARRED), answered on 2019-07-09
Subject: Release of Loans under PMAY
Ministry: RURAL DEVELOPMENT
Asked by: Y. S. Avinash Reddy

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 2501 TO BE ANSWERED ON 09.07.2019

## RELEASE OF LOANS UNDER PMAY

## 2501.   SHRI Y.S. AVINASH REDDY:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) whether  the  Government  is  aware  that  even  after  applying  for  subsidy  under  PMAY Scheme for construction of houses, banks are denying release of loans under PMAY and discouraging the consumers saying that there is no such provision;
- (b) if so, the details thereof;
- (c) whether any study has been conducted by the Government on the implementation of the scheme and if so, the details thereof; and
- (d) the remedial measures being taken by the Government in this regard including re-issuing the guidelines under the scheme?

## ANSWER MINISTER OF RURAL DEVELOPMENT

## (SHRI NARENDRA SINGH TOMAR)

(a) & (b): To  achieve  the  objective  of  'Housing  for  All'  by  2022,  in  rural  areas  of  the country,  the  Government  has  re-structured  the  erstwhile  rural  housing  scheme  Indira  Awaas Yojana  (IAY)  into  Pradhan  Mantri  Awaas  Yojana-  Gramin  (PMAY-G).  PMAY-G  is  being implemented  by  Ministry  of  Rural  Development  w.e.f.  1 st   April  2016.  In  urban  areas  of  the country, Pradhan Mantri Awaas Yojana-Urban (PMAY-U) is being implemented by Ministry of Housing & Urban Affairs w.e.f. 25.06.2015.

Under PMAY-G, beneficiaries are provided unit assistance of Rs. 1.2 lakh in plains and Rs. 1.3 lakh in hilly states, difficult areas and IAP districts for construction of pucca house. In addition,  beneficiaries  are  provided  assistance  of  90/95  persondays  of  unskilled  labour  wages through  convergence  with  Mahatma  Gandhi  National  Rural  Employment  Guarantee  Scheme (MGNREGS)  and  Rs.  12,000  for  construction  of  toilets  through  convergence  with  Swachh Bharat Mission - Gramin (SBM-G), MGNREGS or any other dedicated source of funding. There is no loan subsidy under PMAY-G.

Subsidy under Credit  Linked  Subsidy  Scheme  (CLSS),  one  of  the  four  verticals  under PMAY-U,  being  implemented  by  Ministry  of  Housing  &  Urban  Affairs,  is  provided  to  all eligible  beneficiaries  which  are  in  compliance  with  the  provisions  of  scheme  guidelines.  The complaints received w.r.t. CLSS are taken up with the concerned PLIs for suitable redressal.

(c) & (d): Two  studies  have  been  conducted  on  PMAY-G:  one  by  National  Institute  of Public Finance and Policy (NIPFP) on 'Evaluation of Governance parameters of PMAY-G' and other by NIRD&PR. The major findings of the studies are as under:-

- a. The  pucca  houses  constructed  under  PMAY-G  could  withstand  the  adverse  weather conditions.
- b. There was a considerable reduction in open defecation post-PMAY-G house, which has led to an improved health status of the PMAY-G household members.
- c. There has been  an  improvement in  the  schooling  of  children  of  the  households  postPMAY-G period in terms of both enrolment and performance at school.
- d. The scheme had intangible benefits in terms of improvement in dignity and safety that led to significant improvement in terms of social inclusion.
- e. There is a significant  increase  in  the  mean  expenditures  post-  PMAY-G  in  both  food and non-food items as compared to the pre-PMAY-G house as well as compared to the group of non-PMAY-G households, indicating an improved living standard.
- f. There  has  been  a  significant  increase  in  the  use  of  LPG  gas  among  the  PMAY-G households indicating better health of the poor people.
- g. PMAY-G  has  been  bringing  transformational  (both  social  and  economic)  changes among the rural households.
- h. Decreased the burden of house maintenance and made significant impact on the lives of beneficiaries.
- i. Reduced congestion in houses and provided additional space for livelihood activities indoor.

Ministry of Housing & Urban Affairs has carried out amendments in scheme guidelines from time  to  time  based  on  feedback  from/  consultations  with  the  stake  holders.  The  scheme guidelines  and  associated  amendments  are  all  available  on  the  website  of  the  Ministry.  The guidelines of re-structured rural housing scheme PMAY-G have been issued in the year 2016 and amended from time to time based on the feedback received.

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