Beneficiary Led ‘Individual House’ Construction or Enhancement

(BLC)

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• ULBs should, after verification of land docu-ments,approvedlayout&inspectionofthesite,enter into an agreement with the beneficiaryoutliningconstrucitonandpaymentmilestones.

• BeneficiarymaystarttheconstructionusinghisownfundsoranyotherfundandGoIassistancewillbereleasedbytheStates/UTs/ULBsinpro-portiontotheconstructionbyindividualbenefi-ciary.

• ThelastinstallmentofRs.30,000/-ofGOIas-sistance shouldbe releasedonlyaftercomple-tionofthehouse.

• The progress of such individual houses shouldbetrackedthroughgeo-taggedphotographssothateachhousecanbemonitoredeffectively.

• Stateswillberequiredtodevelopasystemfortracking progress of suchhouses through geo-taggedphotographs.

• Transfer of funds to the beneficiary’s bank ac-countbyDirectBeneficiaryTransfer(DBT)modeismandatorybasedongeo-taggingofhouseatvariousstagesofconstructionunderBLCverti-cal.

Why Enhancement?• As per the Technical Group onUrbanHousing

Shortage (2012-17), 80% of households arelivingincongestedhouses.

• Congestion factor isdefinedas thepercentageof households in which each married coupledoesnothaveaseparateroomtolive.

Provisions related to enhancement in PMAY(U)Guidelines*Asperclause7.2(b)ofPMAY(U)guidelines:• “Ifthebeneficiaryhasapuccahousewithcarpet

areaofupto21sq.mt.orasemi-puccahouse,lackinginoneofthefacilities(i.e.room,kitchen,toilet, bathroom or a combination of any ofthese), it may be taken up for enhancement

subject toULB/State ensuring structural safetyof the house and adherence to followingconditions:

i. The total carpet area after enhancementmustnotbelessthan21SqMtandmustnotbemorethan30SqMt.

ii. Enhancement shall mean addition ofminimumcarpetareaof9.0SqMt intotheexisting house with pucca construction ofat least one habitable room or room withkitchen and/or bathroom and/or toiletconformingtoNBCnorms.

iii. The details of the enhancement proposalsunder BLC vertical shall be submitted inproposed Annexure 7D of the PMAY(U)guidelines.”

*addendum dated 25-May-2016

Illustrative list of beneficiaries who can avail assistance under enhancement component of PMAY(U)• EWScategorybeneficiarieshavingexistinghouse

withcarpetareaupto21sq.mts.• Families where married son does not have a

separateroom.• Joint families living in congested condition

wheremorethanonefamilyshareahousecanexpand the house by constructing additionalroom/dwelling either in open plot or verticalexpansion.

_______________________________* Under PMAY(U), beneficiaries can avail benefit of one vertical only.* Grant/Subsidy/Assistance available in each vertical.

Ministry of Housing and Urban AffairsGovernment of India

The Joint Secretary & Mission Director (Housing for All)Ministry of Housing & Urban Affairs, Government of IndiaRoom No.116, G-Wing, Nirman Bhawan, New Delhi-110011Tel: 011-23061419; Fax: 011-23061420E-mail: jshfa-mhupa@gov.inWebsite: http://mohua.gov.in

www.facebook.com/pmayurban twitter.com/PMAYUrban

Allowed: Yes Reason: Complies with all criteria # Illustrations shown are not to scale.

Incase,thereisnotenoughspaceonthegroundfloor, enhancement can also be carried out onthefirstfloor;providedthattheStructuralSafetyisensured.

Allowed: No Reason: Enhancement proposed must be at least 9 Sq Mt

Illustration of Enhancement allowed under PMAY (Urban)

Allowed: YesReason: Complies with all criteria

Allowed: NoReason: Proposed Enhancement is less than 9 Sq Mt

Allowed: YesReason: Complies with all criteria

Allowed: NoReason: Enhancement must include at least One room

Beneficiaries could avail the benefits of scheme component for

• Newconstruction• Enhancementofexistinghouse

Highlights of ‘Beneficiary Led (Individual House) Construction’ or Enhancement (BLC)

Progress tobetrackedthroughgeotaggedphoto-graphsofthehouse.

Eligibility

1. UrbanresidentsofEconomicallyWeakerSection(EWS)withannualincomeuptoRs.3lakh.

2. In case of BLC (NewConstruction), beneficiaryfamilies should not own a pucca house any-whereinIndia.

3. IncaseofBLC(Enhancement),beneficiaryhav-ingapuccahousewithcarpetareaofupto21sqm. or a semi-pucca house, lacking in oneofthefacilitiesi.e.room,kitchen,toilet,bathoracombinationofthesewouldbecovered.

4. Themaximum carpet area after enhancmeentshouldnotbemorethan30sqm.

5. Beneficiariesinslumswhicharenotbeingrede-velopedcanbecoveredunderthiscomponentif beneficiaries have a Kutcha or Semi-Puccahouse.

Benefit• ToindividualeligiblefamiliesbelongingtoEWS

categories, toeither constructanewhouseorenhance existing house on their own to coverthebeneficiaries,whoarenotabletotakead-vantageofothercomponentsofthemission.

• SuchfamiliesmayavailofcentralassistanceofRs.1.50lakhsforconstructionofnewhouseorfor enhancement of existing house under themission.

Implementation through ULBs

• Beneficiariesdesirousofavailingthisassistanceshall approach the ULBs with adequate docu-mentation regardingavailabilityof landownedbythem.

• TheULBsshallvalidatetheinformationgivenbythebeneficiaryandbuildingplanforthehouse

MiniMUM CArPEt ArEA As PEr nBCILLUstrAtIonsubmitted by beneficiary so that ownership ofland and other details of beneficiary like eco-nomicstatusandeligibilitycanbeascertained.

• Theconditionof thehousese.g.Kutcha,Semi-Kutchaetc.oftheprospectivebeneficiaryshouldbe checked with SECC data to ensure benefi-ciary’sconsequenteligibilityforconstructionofnewhousing.

• SECCdataregardingnumberofrooms,detailsoffamilymembersetc.shouldalsobecheckedtoensurebeneficiary’seligibilityforenhancementofhouse.

• Onthebasisoftheseapplications,ULBswillpre-pareanintegratedcitywidehousingprojectforsuchindividualbeneficiariesinaccordancewiththeCityDevelopmentPlan(CDP)orothersuchplan of the city to ensure construction of pro-posedhousesareasperplanningnormsofthecityandschemeisimplementedinanintegratedmanner.

• Individualapplicantsforassistanceshallnotbeconsidered.SuchProjectswouldbeapprovedbyStatesinSLSMC.

• While approving projects for individual houseconstruction, ULBs and States/UTs should en-sure that requiredfinance for constructing theplanned house is available to the beneficiaryfrom different sources including his own con-tribution,GoIassistance,StateGovernmentas-sistance etc. In no case, GoI assistancewill bereleased for housewherebalance cost of con-structionisnottiedup,asotherwisereleaseofGoIassistancemay result intohalf constructedhouses.

• States/UTs or citiesmay also contribute finan-cially for such individual house construction.CentralassistancewillbereleasedtotheAadharlinkedbankaccountsofbeneficiaries identifiedinprojectsbytheStates/UTsasperrecommen-dationsofULBs/implementingagency.

• Though the funds fromCentralGovernment toStateGovernmentswouldbereleasedinlump-sum including assistance for this component,State Government should release financial as-sistancetothebeneficiaries in3-4 installmentsdepending on progress of construction of thehouse.