GOVERNMENT OF KARNATAKA
DEPARTMENT OF HOUSING
RAJIV GANDHI HOUSING CORPORATION LIMITED
STATE LEVEL NODAL AGENCY
Date: 28.11.2019
Time: 04.30 PM
Venue: Conference Hall, RGHCL, Bangalore
AFFORDABLE HOUSING –
PPP MODELS
PRADHAN MANTRI AWAS YOJANA (URBAN)
Rajiv Gandhi Housing Corporation Limited (RGHCL) was established during 2000 as a special
purpose vehicle “To provide housing to social and economical weaker section of the society
through Central and State housing schemes”
So far around 41 Lakh houses have been constructed successfully across the state (Urban &
Rural) .
OBJECTIVES:
1. Providing financial assistance directly to beneficiaries for construction of houses in rural
& urban areas.
2. Channelizing Central & State assistance to implementing agencies to provide integrated
group housing including infrastructure for site-less beneficiaries.
3. Brining transparency in implementation/selection/fund transfer, innovative
technologies in construction.
4. Monitoring the progress.
RAJIV GANDHI HOUSING CORPORATION LIMITED
URBAN HOUSING SCHEMES
Land purchase scheme
Grant
( Rs. In lakh)
Vajapayee
Urban
scheme
Rs.12
Lakh per acre to Rs.37.50 lakh per
acre (depending upon city)
Other schemes
Grant
( Rs. In lakh)
Infrastructure
scheme
Rs. 40
lakh per acre
Site formation scheme (per site)
Urban: 3000/
-
Urban Scheme
Grant per
unit (Rs. In lakh)
Vajapayee
Housing scheme
Gen: 1.20
Dr. B.R.
Ambedkar Housing scheme
SC/ST:2.00
Devaraju
Urs Special Housing scheme
Gen: 1.20, SC/ST: 1.50
Pradhan
Mantri Awas Yojana (Urban)
1.50
1
lakh Multi-storied Housing project in B’lore
Gen: 2.70, SC/ST:3.50
• GoI has launched PMAY (U) Mission on 25.06.2015 with a vision of HOUSING FOR ALL
• The Mission will be implemented through four verticals:
• Affordable Housing in Partnership (AHP).
• Credit Linked Subsidy scheme.
• In-situ slum redevelopment using land as resource.
• Beneficiaries Led Construction or enhancement
• Rajiv Gandhi Housing Corporation Limited is State Level Nodal Agency.
• ULBs, KSDB, KHB, UDAs & Private developer are identified as Implementing Agencies.
• All 275 ULBs from the State are covered.
• Eligibility Criteria:
• A family comprising husband, wife, unmarried children (below 18 years) not owning
pucca house any where in India
• Adult earning member (married/unmarried) having no house any where in India
• Family residing in ULB limit/ planning /special/development/industrial area
• Income Criteria :
• EWS Upto Rs. 3.00 lakh p.a
• LIG Rs. 3.00 lakh to Rs. 6.00 lakh p.a
• MIG-1 Rs. 6.00 lakh to Rs. 12.00 lakh p.a
• MIG -2 Rs. 12.00 lakh to Rs. 18.00 lakh p.a
PRADHAN MANTRI AWAS YOJANA (U)
URBAN HOUSING DEMAND
5
Extent of housing shortage
Number (in
lakh)
Current Housing Shortage
12.58
Projection
for 2022
13.83
• Karnataka State stands 2nd place in India (housing demand).
• Till date, projects for construction of 5.65 houses are got approved under PMAY (U)
• Balance demand is still 6.93 lakh
• By 2022, State has to meet huge demand .
ISSR
AHP
BLC
CLSS
Total
0.47
8.26
3.44
0.39
12.58
65% comprises site-less beneficiaries
• Demand survey was conducted during 2016-17 & 2017-18 across the state
PUBLIC PRIVATE PARTNERSHIP MODELS FOR
AFFORDABLE HOUSING
UNDER PMAY (U)
AFFORDABLE HOUSING
• Challenges in Affordable housing:
• Huge demand for housing
• High cost of land / underutilization of privately own land
• Huge fund requirement
• Enhancing Pvt Dev participation
• To address these problems, GoI set up a committee on “ PPP in Affordable Housing
Sector”
• After several consultation with stakeholders, MoHUA has framed “ PPP models for
Affordable housing in India”
• There are 8 Models
• 6 Model on Govt land
• 2 Models on private land
• Govt will provide financial assistance, land, option to Pvt Dev. for cross subsidization by
constructing high cost houses etc , option to bring in private land, incentives through
higher FAR/ FSI/ TDR single window clearance , tax benefit etc
• Provide land
• Select Pvt Dev &
enter MoU
• Give technical
specification
1st
• Invest &
construct EWS
DUs
• Hand over to
Govt
2nd
• Make payment
to Pvt Dev
• Select
beneficiaries
3rd
• Pay
contribution to
Govt.
• Bank linkage
• Maintain asset
(RWA)
4th
MODEL 1:
Govt Pvt Developer Govt Beneficiary
• Provide land
• Select Pvt Dev &
enter MoU
• Give technical
specification
1st
• Construct LIG/ MIG
on Govt land & sell
• EWS on same
/other land
• Hand over EWS
DUs to Govt at free
of cost
2nd
• No fund from
Govt to Pvt Dev
• Select
beneficiaries
• Collect
contribution
3rd
• Pay
Contribution
to Govt
• Bank linkage
• Maintain asset
(RWA)
4th
MODEL 2
Govt
Pvt Developer Govt
Beneficiary
• Provide land
• Select Pvt Dev
& Enter MoU
• Give technical
specification
1st
• Invest &
construct
EWS DUs
• Hand over
to Govt
2nd
• Make
payment
on yearly
basis
• Select
beneficiari
es
• Collect
contributio
n
3rd
• Pay
contribution
to Govt
• Bank linkage
4th
• Maintain
the asset
• Yearly
payment
based upon
maintenanc
e
5th
MODEL 3:
Govt Pvt Developer Govt Beneficiary Pvt Developer
• Provide land
• Select Pvt
Dev & Enter
MoU
• Give technical
specification
1st
• Invest
• Construct
EWS DUs
• Hand over
to Govt
2nd
• Pay 40-50%
during
construction
• Balance on
yearly basis
• Select
beneficiaries
• Collect
contribution
3rd
• Pay
contribution
to Govt
• Bank linkage
4th
• Maintain
the asset
• Yearly
payment
based upon
maintenanc
e
5th
MODEL 4:
Govt
Pvt Developer
Govt Beneficiary Pvt Developer
• Provide land
• Select Pvt
Dev & Enter
MoU
• Give
technical
specification
1st
• Invest
• Construct
EWS & LIG
• Hand over
to
beneficiary
2nd
• No
payment
from Govt
• Select
beneficiari
es with
Pvt Dev
3rd
• Pay
contribution
to Pvt dev.
• Bank linkage
• After
complete
payment, he
become
owner
4th
• Maintain
the asset
• May levy
penalty if
beneficiary
delay
payment
5th
MODEL 5:
Govt
Pvt Developer Govt
Beneficiary
Pvt Developer
Rs. In
lakh
Items
EWS
LIG
MIG
-1
MIG
-2
Purpose
Construction/
purchase/
enhancement
Construction/
purchase/
enhancement
Construction
/
purchase/
Construction
/
purchase/
Income
limit (Per Annam)
up
to 3.00
3
.01 to 6.00
6
.01 to 12.
00
12
.01
to
18
.00
Carpet
Area: (Sqmt)
up
to 30
up
to 60
160
sqmt
200
sqmt
Mission
Period
17
.06.2015 to 31.03.2022
01
.01.2017 to 31.03.2020
Max
. Loan (considered for
interest
subsidy
calculation)
6
.00
6
.00
9
.00
12
.00
Purpose
Construction/
Purchase/
Repair
Extension
Construction/ Purchase/
Repurchase
Loan
period
20
Year
20
Year
20
year
20
year
Interest
subsidy (Per Annam)
6
.5%
6
.5%
4
%
3
%
Interest
subsidy amount
2
.67
2
.67
2
.35
2
.30
Incentive
in lieu of
Loan
processing
fee
3000
/-
3000
/-
2
,000/-
2
,000/-
Additional
loan
Additional
loan beyond limit will be at non subsidized rate
CREDIT LINKED SUBSIDY SCHEME
• Provide land
• Select Pvt
Dev & Enter
MoU
• Give
technical
specification
1st
• Invest
• Construct
EWS & LIG
• Continuousl
y own DUs
2nd
• No
payment
from Govt
• Select
beneficiari
es with
Pvt Dev
3rd
• Pay Rent to
Pvt Dev
• If
beneficiary
moves out,
new will
stay
4th
• Maintain
asset
• May levy
penalty if
beneficiary
delay
payment
/Evict
5th
MODEL 6:
Govt
Pvt Developer Govt Beneficiary Pvt Developer
MODEL A:
• Provide
technical
specification
1st
• Provide
land
• Invest
• Construct
EWS/ LIG/
MIG
• Hand over
to
beneficiary
2nd
• No
payment
from Govt
to PVt Dev.
• Facilitate
in
selection
/getting
document
3rd
• Provide loan
under CLSS
(EWS/ LIG/
MIG)
4th
• Pay EMI Pvt
Dev/ Bank
• Bank loan
• Beneficiary
will
maintain
asset (RWA)
5th
Govt Pvt Developer Govt Bank
Beneficiary
• Provide technical
specification
1st
• Provide land
• Invest
• Construct EWS
& hand over to
Govt
• Construct LIG/
MIG to cross
subside
• Pvt Dev will give
UC-
2nd
• Fix sale price for
EWS
• SLAC/ SLSMC
approval
• Release 1.50 lakh
fund to Pvt Dev
• Appoint TPQMA
• If project
stopped, recover
& repay to GoI
• Collect
contribution
3rd
• Pay
contribution to
Govt
• Bank loan
• Beneficiary will
maintain asset
(RWA)
4th
MODEL B:
Govt
Pvt Developer
Govt Beneficiary
Reform
under HFA
Nodal Agency
Status
State
to make suitable changes in the procedure/ rules for obviating the
need
for
separate Non Agricultural (NA) Permission if land already falls in
the
residential
zone earmarked in Master Plan of city or area.
Rev. Dept
Completed
States/UTs
would either legislate or amend existing rental laws on the lines
of
model
Tenancy Act being prepared by Ministry.
Rev. Dept
Under
Progress
States/UTs
shall adopt the approach of deemed building permission and
layout
approval
on the basis of pre-approved lay outs and building plans for
EWS/LIG
housing
or exempt approval for houses below certain built up area or plot area
.
UDD
Under
Progress
A
system should be put in place to ensure single window, time bound
clearance
for
layout approval and building permission at ULB level.
UDD
Completed
States
shall amend their Master Plans earmarking land for Affordable Housing.
DTCP (UDD)
Under
Progress
State
shall provide additional FAR/FSI/ TDR and relaxed density norms for
slum
redevelopment
and low cost housing if required
DTCP (UDD)
Under
Progress
MANDATORY CONDITIONS (REFORMS)
CREDIT LINKED SUBSIDY SCHEME
GoI has launched CLSS scheme on 17.06.2015.
Period
• CLSS (EWS/ LIG) :17.06.2018 to 31.03.2022.
• CLSS (MIG1/MIG2) : 01.01.2017 to 31.03.2020 (recently extended)
RGRHCL is SLNA, NHB/ HUDCO are CNAs
Eligibility criteria :
• A family comprising husband, wife, unmarried children not owning pucca house
any where in India.
• Adult earning member (married/unmarried) having no house any where in India
• Family residing in 275 ULB limit/ planning /special/development/industrial area
Annul income as follows:
Category
Income
EWS
0
- 3 lakh
LIG
3
-6 lakh
MIG 1
6
-12 lakh
MIG 2
12
-18 lakh
EWS/LIG beneficiary may construct larger house. But extension/ repair limited to 30sqmt/ 60 sqmt
CREDIT LINKED SUBSIDY SCHEME
Rs. In
lakh
Items
EWS
LIG
MIG
-1
MIG
-2
Purpose
Construction/
purchase/
enhancement
Construction/
purchase/
enhancement
Construction
/
purchase/
Construction
/
purchase/
Income
limit (Per Annam)
up
to 3.00
3
.01 to 6.00
6
.01 to 12.
00
12
.01
to
18
.00
Carpet
Area: (Sqmt)
up
to 30
up
to 60
160
sqmt
200
sqmt
Mission
Period
17
.06.2015 to 31.03.2022
01
.01.2017 to 31.03.2020
Max
. Loan (considered for
interest
subsidy
calculation)
6
.00
6
.00
9
.00
12
.00
Purpose
Construction/
Purchase/
Repair
Extension
Construction/ Purchase/
Repurchase
Loan
period
20
Year
20
Year
20
year
20
year
Interest
subsidy (Per Annam)
6
.5%
6
.5%
4
%
3
%
Interest
subsidy amount
2
.67
2
.67
2
.35
2
.30
Incentive
in lieu of
Loan
processing
fee
3000
/-
3000
/-
2
,000/-
2
,000/-
Additional
loan
Additional
loan beyond limit will be at non subsidized rate
CLSS - Illustrative Example ( Loan tenure -20* years/240 months )
Loan
Amount
Loan
Amount
eligible
for
Subsidy
Interest
Subsidy
Balance
Loan
Initial
EMI
@10%
Reduced
EMI after
crediting
Subsidy
Monthl
y
savings
Annual
savings
EG (1) (2) (3) (4)=(1-3) (5) (6) (7) = (5-6) (8)= (7) x 12
EWS/LIG
I
3,00,000
3,00,000
1,33,640
1,66,360
2,895
1,605
1,290
15,480
II
6,00,000
6,00,000
2,67,280
3,32,720
5,790
3,211
2,579
30,948
III
10,00,000
6,00,000
2,67,280
7,32,720
9,650
7,071
2,579
30,948
MIG 1
I
6,00,000
6,00,000
1,56,712
4,43,288
5,790
4,278
1,512
18,144
II
9,00,000
9,00,000
2,35,068
6,64,932
8,685
6,417
2,268
27,216
III
12,00,000
9,00,000
2,35,068
9,64,932
11,580
9,312
2,268 27,216
MIG 2
I
9,00,000
9,00,000
1,72,617
7,27,383
8,685
7,019
1,666
19,992
II
12,00,000
12,00,000
2,30,156
9,69,844
11,580
9,359
2,221
26,652
III
15,00,000
12,00,000
2,30,156
12,69,844
14,475
12,254
2,221
26,652
• Regular housing loans sanctioned on & after the launch of the scheme can be
converted into CLSS (if eligible)
• Central Nodal Agencies: HUDCO/ NHB
• Details of MoU signed:
• Banks:
Scheduled Commercial banks, Housing Finance Companies
Regional Rural Banks. State Cooperative Banks
Urban Cooperative Banks. Small Finance Banks
Non Banking Finance Company-Micro Finance Institutions
• Beneficiaries will submit self –certificate /affidavit as proof of income
• Beneficiary has to submit application
• Directly to bank (EWS/LIG/MIG)
• Through ULB (EWS/LIG).
• Bankers will sanction loan after due diligence
• Construction should complete within 36 months. ( from date of loan disbursement)
CENTRAL NODAL AGENCY & BANKS
Scheme
NHB
HUDCO
Total
CLSS
(EWS/ LIG
190
70
260
CLSS (MIG1 & MIG2)
180
64
244
• Subsidy will be claimed by banks from HUDCO / NHB. NHB/ HUDCO will release
interest subsidy to Bank. Then bank will credit to Beneficiary account.
• Subsidy will be released to beneficiaries account upfront.
• Rs.250 per sanctioned application would be paid as incentive to ULBs (EWS/LIG
only).
RELEASE OF INTEREST SUBSIDY
CLAP –NEW WEBSITE
MOHUA, GoI has developed Credit Awas Portal (CLAP) to provide a transparent and robust real
time web-based system for CLSS beneficiaries.
Features of CLAP Portal
• Transparent mechanism.
• Applicant can check his eligibility for CLSS, know about the process to apply, Check his
subsidy, track his/her application status”, upload his house photos, selfies and success
stories through PMAY(U) mobile application. Lodge their grievance, View latest news,
updates & progress of PMAY(U)
• Aadhaar verification of borrower/co-borrower & their spouse at the time of receiving
application at PLI.
• De-duplication of borrower,/co-borrower & their spouse with the beneficiaries of other
three verticals of PMAY (U).
• Generation of unique Application ID & Beneficiary ID to borrower.
• SMS Alerts at every stage starting from generation of application ID up to credit of subsidy
amount will be sent to borrower/co-borrower.
• Dashboard, reports, FAQs on CLSS and CLAP to monitor the progress for various
stakeholders.
• Real time integration with UIDAI, PMAY (U) MIS, CAN & PLIs servers.
• Individual processing of records is introduced avoiding clubbing and delay in payments.