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POLICY REVIEW

EVALUATION OF THE UNEVEN OUTCOMES

OF PRADHAN MANTRI AWAS YOJANA

- HOUSING FOR ALL MISSION

MR. MANAV KHAIRE The Pradhan Mantri Awas INTRODUCTION:
Yojana – Housing for All Uneven Outcome of
DR. SHISHIR KUMAR (Urban) mission (PMAY–U) PMAY–U verticals as of
JHA that is implemented through 2022
various programme verticals
completes its implementation Implemented by the Ministry
term (2015-2022) of seven years of Housing and Urban Affairs
in 2022. Though PMAY–U has (MoHUA), the PMAY–U was
outperformed previous central initially designed to address
housing schemes, the outcome the housing requirements
“The affordability and of different programme verticals of the Indian urban poor
and slum dwellers through
accessibility constraint that within PMAY–U has been four programme verticals,
disproportional. Two of the
pushes the urban poor into verticals account for 80% of the and a fifth vertical was
informal housing makes scheme uptake, whereas the rest added in July 2020. These
them the most vulnerable of the verticals are struggling verticals are (1) “In-Situ”
among all the target groups to take off. Can we explain the Slum Redevelopment (ISSR)
across the verticals. Since uneven outcomes of verticals of Scheme that uses the land
ISSR is the least performing PMAY–U? We examine this as a resource to rehabilitate
scheme, there is an urgent question using a comparative slum dwellers with a
need to revive it on design policy analysis approach to financial assistance of `1
lakh ($1255) per housing
1
and implementation levels.” understand the variations in
individual verticals’ policy unit, (2) Affordable Housing
designs that, in turn, affect in Partnership (AHP) that
their performance. The analysis provides financial assistance
suggests that the demand-pull of `1.5 lakh ($1883) per housing
strategies have translated into unit to affordable housing
KEYWORDS: Pradhan Mantri Awas increased uptake of two verticals. projects, (3) Beneficiary-Led
Construction (BLC) that offers
Yojana – Housing for All (Urban), In contrast, the verticals with subsidy of `1.5 lakh ($1883) to
ISSR, CLSS, AHP, BLC a supply-push strategy have
performed poorly over the years. households for construction
Mr. Manav Khaire, (manavbkhaire@ This paper delves deeper into the or enhancement of the house,
gmail.com) PhD candidate, CPS IIT differential policy designs of the (4) Credit Linked Subsidy
Bombay and Dr. Shishir Kumar Jha PMAY–U verticals and their Scheme (CLSS) that provides
(skjha@iitb.ac.in) Faculty at the Centre linkages with uneven outcomes. interest subsidy up to `2.67
for Policy Studies, Indian Institute of lakh ($3352) on home loans
Technology Bombay.

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HUDCO-HSMI Publication