Pradhan Mantri Awas Yojana (PMAY)

 Pradhan Mantri Awas Yojana: Is yojana ke dwara, gareeb logon ko affordable housing ki suvidha pradan ki jati hai. Ismein nagar nigam aur gramin kshetra dono par focus kiya jata hai.

Pradhan Mantri Awas Yojana (PMAY) Bharat Sarkar ki ek mahatvapurna yojana hai, jiske tahat gareeb logon ko affordable housing ki suvidha pradan ki jati hai. Is yojana ka mukhya uddeshya hai gareeb parivaron ko pakka makaan prapt karne mein madad karna aur sabhi nagrikon ko swachh aur aadharit bastiyon tak pahunchane ka lakshya rakha jata hai.

Pradhan Mantri Awas Yojana ke antargat, do pramukh components hain:

1. Pradhan Mantri Awas Yojana (Urban) - PMAY-U: Is component mein nagar nigam kshetron mein rehne wale gareeb parivaron ko affordable housing ki suvidha pradan ki jati hai. Ismein awas yojana ke tahat financial assistance aur subsidies di jati hain, jisse gareeb log ghar banane ke liye sahayata prapt kar sakte hain.

2. Pradhan Mantri Awas Yojana (Gramin) - PMAY-G: Is component mein gramin kshetron mein rehne wale gareeb parivaron ko affordable housing ki suvidha pradan ki jati hai. Gramin kshetron mein garib logon ko pakka ghar banane ke liye financial assistance, subsidy, aur makan nirman ka samarthan pradan kiya jata hai.

Pradhan Mantri Awas Yojana ke benefits:

1. Financial Assistance: Eligible beneficiaries ko makan banane ke liye sarkari sahayata aur financial assistance pradan ki jati hai. Ismein ghar ki kharidari, makan nirman ya makan sudhar ke liye rashi ya subsidy di jati hai.

2. Interest Subsidy: Pradhan Mantri Awas Yojana ke antargat ghar ke liye loan liya ja sakta hai, jismein gareebon ko prapt hone wali home loan interest rate par subsidy pradan ki jati hai. Isse unko kam interest rate par loan milta hai.

3. EWS/LIG and MIG Categories: Yojana mein Economically Weaker Sections (EWS), Low-Income Groups (LIG), aur Middle-Income Groups (MIG) ke liye alag-alag categories banayi gayi hain, jisse har income group ke log is yojana ka labh utha sakte hain.

4. Inclusive Development: Yojana ke antargat nirdharit guidelines ke anusar, awas yojana mein sabhi samudayon, jatiyon, aur dharmik sampradayon ko samavesh karne ka pura prayas kiya jata hai. Samagra vikas aur samajik samriddhi ke liye inclusive bastiyon ka nirman kiya jata hai.

Pradhan Mantri Awas Yojana ke madhyam se lagbhag 2 crore se adhik affordable housing units banaye gaye hain, jisse gareeb parivaron ko ghar mila hai. Yojana ka uddeshya hai Bharat ki aam janta ko swachh, surakshit, aur aadharit makan ki suvidha pradan karna aur ghar ki uplabdhi ko samagra vikas ka ek mahatvapurna hissa banane ka hai.

Yojana ke madhyam se gareeb logon ko affordable housing ki suvidha prapt karne ka avsar milta hai aur unki aarthik sthiti aur jeevan star mein sudhar aata hai.