“Mamma, I wanna go home! Mamma, I am tired.”
We often utter these kinds of sentences. No matter how much we love to travel, no matter how much we love to explore the world, there is something unique and attractive about the home that always brings us back at the end of the day. Home is nostalgia, right? It is a place where we spend our days with our near and dear ones. It is a place made of hopes and dreams.
However, the hard reality is that many of us still have no roof above our heads. It is the new unnatural to see people living, cooking their dishes, and even resting on pavements! A person who gets to eat one meal (or hardly two) a day can never think of saving money to build a house! Now the question is, don’t they deserve a house? Don’t they deserve the same security that we feel at our home? Yes, they do! They want to have a home, but their poverty doesn’t allow them to materialise their dream.
That is why the Government of India has brought forth the Pradhan Mantri Awas Yojana (PMAY). It is a brilliant initiative wherein reasonable lodging is to be furnished to needy people. The scheme aims at building 20 million houses by 31 March 2022.
The Pradhan Mantri Awas Yojana scheme was dispatched with the target of giving ”Affordable Housing” through a credit-connected subsidy on home loans for individuals from the financially vulnerable segments of society (EWS) along with the people with low income (LWS) and middle income (MWS). The plan works with both private and government sector funding.
The plan is parted into equal parts – PMAY Urban and PMAY Rural, and every half has its own scope of advantages and highlights which were created remembering the ideal interest group.
The PMAY scheme is such that it includes every category of people who really need the benefit of such a scheme.
That’s why the scheme has been further subdivided into several categories which have been discussed in detail in the upcoming lines.
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