Research Paper On Pmay
Research Paper On Pmay
Research Paper On Pmay
Pradhan Mantri Awas Yojana (Urban) for ensuring housing for all in urban areas
was launched on 25th June 2015 for implementation during 2015-2022. The Mission
provides central assistance to implementing agencies through States/Union
Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses under
following verticals of the Scheme:
Economi People who earn an annual household income less than Rs.3
cally lakh come under the EWS category. However, an applicant
Weaker claiming to be from EWS needs to provide relevant proof to the
Section government to ascertain their claims.
(EWS)
Light People that fall under LIG category usually have an annual
Income household income ranging between Rs.3 lakh to 6 lakh. Again,
Group to be eligible for consideration, they need to provide sufficient
(LIG) proof of their economic standing.
Medium Those who earn an annual household income below Rs.12 lakh
Income fall under the MIG1 category. These people can avail loans of
Group up to Rs.9 lakh for the construction of a residence.
(MIG1)
Minoriti People hailing from minority groups like SC/ST/OBC will fall
es under minorities. To be considered under the PMAY scheme,
these people need to meet to provide relevant caste and income
certificates.
Besides this, there is a basic requirement an applicant has to meet. For instance, if the
beneficiary is a family, it must comprise of a husband, wife, and unmarried children.
Also, no person from the family should own a house in their name.
Research Objective:
The purpose of the study is to analyze the reach & Awareness of the policy .
Research method:
Primary data was collected by designing a questionnaire
Sample size of the questionnaire was 100
Targeted area was slum prone areas of mumbai
Secondary data was taken from PMAY sites ,portals and other government housing
websites
Pan Card
Rashon Card
Adhar Card
Address Proof
BTL Card
Findings :
Mostly the houses are in the name of the male of the houses ,very few are the female
owner .
There fair bit of awareness about the PMAY policy but very low awareness about the
procedure of the application for the policy.
Recommendation:
1. Banks should have separate counter of explaining benefits and procedure of
PMAY
Conclusion:
The Research concludes that steps must be taken to spread the awareness of PMAY,
so every eligible person gets the benefit of the policy and the dream of “housing for
all” could be achieved by 2022.