The Uttar Pradesh Awas Vikas Yojana is an initiative by the Chief Minister of Uttar Pradesh, Yogi Adityanath, to provide affordable housing to the economically weaker sections, lower income groups, and middle income families in the state. It aims to ensure inclusive, eco-friendly housing with basic amenities at reasonable costs.
Overview
The scheme is aligned with the central government's Pradhan Mantri Awas Yojana that promotes affordable housing for all. Under UPAVP, the state government will work together with the centre to provide subsidized housing to the needy.
With rising property prices, owning a house has become difficult for the common man. The UPAVP will bridge this gap by building quality homes at lower costs, especially for poor and middle income families.
| Key Features | Details |
|---|---|
| Target Group | Economically weaker sections, low income groups, middle income families |
| Key Benefit | Affordable, subsidized housing |
| Nodal Agency | UP Housing & Development Board |
Eligibility Criteria
The eligibility criteria under UPAVP are as follows:
- Applicant must be a permanent resident of Uttar Pradesh
- Annual household income should be below Rs. 6 lakhs
- Applicant should not own a pucca house
- Preference will be given to economically weaker sections and low income groups
The upper income limit may vary based on factors like location and house size. Families with disabled members and single women will get preference.
Application Process
The application process will be online and offline. Eligible applicants can submit applications through the following modes:
- Online application at the official website
- Offline application at designated UP Housing department offices
- The application form will need personal and income details
- Relevant ID and income proofs must be attached
After submission, applications will be verified. Site visits may also be conducted for authentication.
Subsidy and Loan Details
Under the scheme, beneficiaries can get interest subsidy on home loans as follows:
- EWS and LIG - Subsidy of 6.5% on loan interest
- MIG - Subsidy of 4% on loan interest
- Women - Additional subsidy of 0.5% on loan interest
Applicants are expected to make some down payment from their own funds. Maximum loan amount will be tied to the location and house size.
Implementation
The UP Housing and Development Board along with Development Authorities like Gorakhpur Development Authority, Kanpur Development Authority etc. will be the key agencies for project execution under UPAVP.
Land identification, planning, tendering and allotment of houses will be done by these agencies based on the targets.
Conclusion
The Uttar Pradesh Awas Vikas Yojana is a welfare scheme that aims to fulfill the basic necessity of housing for the disadvantaged sections. If implemented well, it can prove to be a boon for uplifting many families out of poverty. The government should ensure smooth roll-out and timely construction under the scheme.
FAQs
Q1: What is the Uttar Pradesh Awas Vikas Yojana?
A1: It is an affordable housing scheme by the UP government to provide subsidized homes to economically weaker sections, low income groups and middle income families.
Q2: Who are eligible for this scheme?
A2: Permanent residents of UP with annual income below Rs.6 lakhs and not owning a pucca house can apply. Preference for EWS and LIG.
Q3: How much subsidy will be provided on home loan interest?
A3: EWS/LIG can get 6.5% interest subsidy, MIG can get 4% subsidy. Women get additional 0.5% subsidy.
Q4: Which are the implementing agencies?
A4: UP Housing Development Board along with Development Authorities like Gorakhpur DA, Kanpur DA, etc will execute projects.
Q5: What documents are required for application?
A5: Duly filled application form along with ID proofs, residence proof, income certificates and income proof is required.
Q6: How can one apply for this scheme?
A6: Applications can be submitted online through official website or offline at designated UP housing department offices.
