Aranya Housing

Fig.47. Diagram indicating noise disturbance in site due to Railway Track nearby. (Source - Author) Fig.49. Block Plan of the existing Affordable Government Housing. (Source - Author)

Exising Site Areas

Plot Area Permiseble F.S.I Provided Parking Total Built-Up Area No. of Units No. of Floors Area per Floor Area of Circulation per Floor Unit Area Open Area in Units Kitchen Area of Opening(Kitchen) Living Room Area of Opening(Living Room) Bedroom Area of Opening(Bedroom) 10,899 sq.m 3 7,104.6 sq.m 34,358.4 sq.m 630 Hollow Plinth+ 7 Floors 824.40 sq.m 114.88 sq.m 35 sq.m 1.7 sq.m 3.4 sq.m 0.9 sq.m 8.9 sq.m 1 sq.m 8.4 sq.m 1.44 sq.m

Table.7. Existing Area Calculations of the existing Affordable Housing Site.

PMAY

Pradhan Mantri Awaas Yojana Scheme (PMAY)

A Credit Linked Subsidy Scheme (CLSS) introduced by the Central Government - The Pradhan Mantri Awas Yojana (PMAY). It is an initiative designed to provide ‘Housing for All’ of the Urban society by the end of the year 2022. The categories included are EWS (Economically Weaker Section), LIG (Low Income Group), MIG (Middle Income Group). The eligible applicants will be provided with home loan interest subsidy on purchase / construction / extension / improvement of their home under this Pradhan Mantri Awas Yojana.

This initiative will see two central nodal agencies - Housing & Urban Development Corporation (HUDCO) and National Housing Bank (NHB) directing subsidy to the lending institutions, which in turn will help the eligible applicants to benefi t from the subsidy.

Key Features and Benefits

Interest subsidy on residential property loan for EWS/LIG households is introduced by The Central Government of India from June 17, 2015. Under PMAY, candidates who have an annual income of up to Rs. 3 Lakhs and up to Rs. 6 lakh can apply for a loan and benefi t from this subsidy. With a condition that - the benefi ciary family should not own any other pucca house in any part of India.

Criteria Particulars EWS LIG

Household Income 0-3,00,000 3,00,001-6,00,000

Eligible Housing Loan Amount for Interest Subsidy

Up to 6,00,000 Up to 6,00,000 Interest Subsidy 6.50% 6.50%

Maximum loan tenure (in years)

20 20

Maximum dwelling unit carpet area

30 Sq. m. 60 Sq. m.

Woman Ownership/Coownership

Mandatory for new acquisition Not Mandatory

Quality of House/Flat Construction

National Building Code, BIS Codes and as per NDMA Guidelines adopted National Building Code, BIS Codes and as per NDMA Guidelines adopted

Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.)

Compulsory Compulsory

Fig.50. Features of PMAY(U) (Pradhan Mantri Awas Yojna - Urban). (Source- https://pmay-urban.gov.in/about)