Difference Between DDJAY and PMAY

The Pradhan Mantri Awas Yojana (PMAY) and Deen Dayal Jan Awas Yojana (DDJAY) are key housing programs by the Indian government designed to meet various housing needs. PMAY aims to provide affordable homes for economically weaker sections in both cities and villages, while DDJAY encourages the development of high-density neighbourhoods in certain towns. Knowing the details of these schemes can help people choose the best option for their housing needs.

Difference Between DDJAY and PMAY 

Differentiation table between Deen Dayal Jan Awas Yojana (DDJAY) and Pradhan Mantri Awas Yojana (PMAY):

What is Pradhan Mantri Awas Yojana (PMAY) Scheme?

The Pradhan Mantri Awas Yojana (PMAY) is a government initiative launched by the Indian government to provide affordable housing for all, especially aimed at the economically weaker sections, low-income groups, and middle-income groups. The scheme has two main components:

1. PMAY-Urban (PMAY-U): Focuses on affordable housing for people living in urban areas by building houses, offering subsidies, and incentivizing partnerships with private developers.
2. PMAY-Gramin (PMAY-G): Designed to provide housing for the rural poor, with assistance to build new homes or improve existing ones in villages.

The PMAY scheme also offers credit-linked subsidies to eligible applicants, which can significantly reduce the interest rates on home loans. The primary goal of PMAY is to ensure that every Indian has access to a safe and affordable home.

Components of PMAY Scheme

The Pradhan Mantri Awas Yojana (PMAY) has four key components to provide housing solutions to various income groups and meet specific needs in urban and rural areas. Here’s an overview:

1. In-Situ Slum Redevelopment (ISSR)

• Objective: Rehabilitate slum dwellers by redeveloping slum areas through public-private partnerships.
• Funding: The government provides financial support to states and union territories for rehabilitating slum dwellers, who are given formal housing.

2. Credit Linked Subsidy Scheme (CLSS)

• Objective: Offer subsidized home loans for economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG).
• Funding: Subsidies of up to 6.5% on home loan interest rates for eligible applicants, reducing the total loan burden.

3. Affordable Housing in Partnership (AHP)

• Objective: Encourage partnerships between government and private sector to build affordable housing for EWS.
• Funding: Financial assistance is given per house for projects where at least 35% of the homes are for EWS households.

4. Beneficiary-Led Individual House Construction (BLC)

• Objective: Support individuals or families who already own land to construct or enhance a home.
• Funding: Eligible beneficiaries receive direct financial assistance for home construction or enhancement.

Each component addresses specific housing needs and enables people across various income brackets to attain safe and affordable housing, contributing to the PMAY goal of “Housing for All.”

Pradhan Mantri Awas Yojana (PMAY) Eligibility

Who Can Apply for PMAY – Urban:

1. Income-Based Groups:
   • Economically Weaker Sections (EWS): Annual income up to ₹3 lakh.
   • Low-Income Groups (LIG): Annual income between ₹3 lakh and ₹6 lakh.
   • Middle-Income Groups (MIG): Annual income between ₹6 lakh and ₹18 lakh.
   • All these groups are eligible as beneficiaries under the “Housing for All” scheme.
2. Slum Dwellers:
   • Individuals living in inadequate housing with poor sanitation and water facilities are also eligible to apply under this scheme.

Who Can Apply for PMAY – Gramin:

1. Household Conditions:
   • Houseless households or those living in kutcha (temporary) houses with 0-2 rooms as identified by the Socio-Economic and Caste Census (SECC) data.
2. Exclusions (Cannot Apply):
   • Households living in pucca (permanent) houses.
   • Ownership of motorized vehicles (two/three/four-wheelers) or mechanized agricultural equipment.
   • Households with a Kisan Credit Card (KCC) with a credit limit of ₹50,000 or above.
   • Households with government employees, registered non-agricultural enterprises, or those paying income/professional tax.
   • Ownership of assets like a refrigerator, landline phone, or significant agricultural land (e.g., over 2.5 acres of irrigated land or 7.5 acres of land with irrigation equipment).

Beneficiaries Under Pradhan Mantri Awas Yojana

For PMAY – Urban:

• Laborers and Urban Poor: Includes rickshaw pullers, street vendors, service providers, industrial workers, and migrants in the EWS (Economically Weaker Section) and LIG (Low-Income Group) categories.
• Marginalized Communities: Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC), widows, and minorities within the EWS and LIG segments.

For PMAY – Gramin:

• Marginalized Communities: Scheduled Tribes (ST) and Scheduled Castes (SC).
• Vulnerable Groups: Households without shelter, destitute individuals, people relying on alms, manual scavengers, primitive tribal groups, and legally released bonded laborers.

What Is Deen Dayal Jan Awas Yojana (DDJAY) Scheme?

The Deen Dayal Jan Awas Yojna (DDJAY) is a housing initiative by the Haryana government to promote high-density plotted colonies in smaller towns and cities with lower development potential. The scheme is designed to control the spread of unauthorized colonies and contribute to the national goal of ‘Housing for All – 2022.’

Key Highlights of DDJAY:

• Support for Private Developers: The scheme encourages private builders to develop these colonies by offering a supportive policy framework.
• Cost Reductions: It includes major reductions in license fees and external development charges, making it easier and more affordable for developers to undertake projects.
• Waived Charges: Conversion charges (CLU) and infrastructure development fees are fully waived, further incentivizing organized development.

Features of Deen Dayal Jan Awas Yojana (DDJAY)

1. Plotted Development:
   • Development areas range from 5 to 15 acres.
   • The maximum saleable area is capped at 65% of the licensed area.
   • No more than 10% of the licensed area can be allocated for sector roads.
2. Plot Sizes:
   • Plot sizes vary from 60 square meters to 150 square meters.
   • The scheme allows a Floor Area Ratio (FAR) of 2, which accommodates a maximum density of 400 persons per acre.
3. Open Space:
   • 5% of the licensed area must be set aside for organized open spaces.
   • Each colony is required to have at least one open area of 0.3 acres.
4. Phased Sales:
   • Colonizers must sell the licensed area in two phases; the second 50% can only be sold after the completion of Internal Development Work.
   • A mortgage of 15% of the saleable area is mandated for this phase.
5. Community Facilities:
   • Colonizers are obligated to transfer 10% of the licensed area to the government for the establishment of community facilities.
6. Project Completion Timeline:
   • All projects must be completed within 7 years from the date of license grant, broken down into 5 years for development and 2 years for additional work.
7. Independent Floors:
   • The scheme allows for the registration of independent floors on plots, including provisions for stilt parking.

Eligibility Criteria of Deen Dayal Jan Awas Yojana

 To qualify for the Deen Dayal Jan Awas Yojana (DDJAY), applicants must meet the following criteria:

1. Income Limit:
   • The annual household income of the Economically Weaker Section (EWS) category must not exceed Rs 3 lakh.
   • The annual household income for the Low-Income Group (LIG) category must not exceed Rs 6 lakh.
2. Residency:
   • Applicants must be permanent residents of Haryana.
3. Property Ownership:
   • Applicants and their family members should not own any pucca house or residential plot in any urban area of the state.
4. Employment Status:
   • The applicant’s family should not include any government employees.