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What are the Beneficiaries Under PMAY Scheme?
The Pradhan Mantri Awas Yojana (PMAY) is a government housing scheme launched by the Government of India to provide affordable housing to various sections of society, especially those belonging to the economically weaker sections (EWS), low-income groups (LIG), and other disadvantaged groups.
The Beneficiaries Under the PMAY Scheme:
Economically Weaker Sections (EWS): This category primarily…
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जन आवास योजना भिवाड़ी, राजस्थान I PMAY Scheme I PMAY Bhiwadi I Flat In B...
#youtube#pmay scheme#pmay subsidy#pmay#pmay(u)#satyam greens bhiwadi#property in bhiwadi#flats in bhiwadi#2bhk#3bhk#affordable housing#affordable homes#affordable flats
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Benefits of buying a home in the women's name
There are several states in India are offering benefits for women property buyers to boost their empowerment, In this post we will learn about The financial benefits of registering a property in the name of a woman.
There are various benefits of buying property in the name of women. Several perks are offered by governments and banks, whether you are the sole or joint owner.
Following are the Benefits of Buying home in the name of women:-
Tax benefits of buying a home in the wife’s name
Women receive a discount on stamp duty
Interest rates on home loans for women are discounted
Benefits under PMAY
Increased home loan eligibility
If you are interested in purchasing property in the name of a woman, Then should must visit our website or call us from the below mentioned details:-
Website URL: https://ashapurna.com/
Contact No.: +91 9314041747
E-Mail Id: [email protected]
Address: Circuit House Road, Opposite LIC Office, Jodhpur, Rajasthan 342006
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#Womensproperty#Ashapurna#benefits#property#homebuyers#pmay#pmay scheme#home & lifestyle#Ashapurnabuildconltd
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Pradhan Mantri Awas Yojana 2022-23
Pradhan Mantri Awas Yojana 2022-23
The district administration has been entrusted by the West Bengal government to undertake a new survey of PMAY recipients throughout the state.
To determine the recipients of the affordable housing program beneficiaries' eligibility, a new survey has been commissioned.
In locations where less than 15% of beneficiaries are not on the list, the survey is being done. Its proportion is typically about 25.
The survey crew is under threat in various locations. As a result, the state government will now give the teams that are checking the recipients' protection.
What Is A PMAY List?
The Pradhan Mantri Awas Yojana (PMAY) is a Government of India initiative that aims to provide affordable housing to the urban poor by 2022. The scheme was first introduced on June 25, 2015. The PMAY scheme has an interest rate that starts at 6.50% p.a. and can be used for up to 20 years. The PMAY-Urban scheme's implementation period has been extended until December 31, 2024. The Union Cabinet decided in response to requests from Union Territories and states. Previously, the goal was to provide housing by March 2022.
#The Pradhan Mantri Awas Yojana#Government of India#affordable housing#PMAY-Urban scheme's#provide housing
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Pucca Housing Scheme: Beneficiary List For Pradhan Mantri Gramin Awas Yojana
Pucca Housing Scheme: Beneficiary List For Pradhan Mantri Gramin Awas Yojana
Government provides houses to rural poor under Pradhan Mantri Gramin Awas Yojana.
केंद्र सरकार का प्रमुख कार्यक्रम – प्रधान मंत्री आवास योजना-ग्रामीण (पीएमएवाई-जी) – का उद्देश्य ग्रामीण क्षेत्रों में घर बनाना है।
PMAY-G नवंबर 2016 में 2.7 करोड़ घरों को पूरा करने के लक्ष्य के साथ शुरू हुआ था। ग्रामीण विकास मंत्रालय के मुताबिक अब तक 1.8 करोड़ घरों का ��िर्माण हो चुका है, जो लक्ष्य का 67.72 फीसदी…
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#PMAY अर्बन#PMAY ग्रामीण#PMAY मकान#PMAY-ग्रामीण लाभार्थी#Pradhan Mantri Awas Yojana (Gramin)#Pradhan Mantri Awas Yojana benefits#Pradhan Mantri Awas Yojana Gramin (PMAY-G)#Pradhan Mantri Awas Yojana houses#Pradhan Mantri Awas Yojana scheme#पीएमएवाई समाचार#प्रधानमंत्री योजनाएं
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Tamilnadu Chief Minister's Solar Powered Greenhouse Scheme (CMSPGHS)
Tamilnadu Chief Minister’s Solar Powered Greenhouse Scheme (CMSPGHS)
In order to fulfil the own house dream of poor people, Tamilnadu government has set up chief Minister’s solar powered greenhouse scheme (CMSPGHS). Amount given-2,10,000 |solar panels will also be installed| min 300sqft own land area needed. All the important points to be known before applying for this scheme are discussed below.
TN Greenhouse Scheme Motive:
The main motive of this scheme is to…
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What is a PMAY Subsidy Calculator and Why SHould You Use It?
Discover how a PMAY subsidy calculator simplifies the process of estimating your potential benefits under the Pradhan Mantri Awas Yojana (PMAY) scheme. Learn why utilizing this tool can help you make informed decisions about affordable housing options in India.
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How to Apply for Home Loan Subsidy (PMAY)? - 7 Steps
New Post has been published on https://petnews2day.com/news/pet-industry-news/pet-financial-news/how-to-apply-for-home-loan-subsidy-pmay-7-steps/?utm_source=TR&utm_medium=Tumblr+%230&utm_campaign=social
How to Apply for Home Loan Subsidy (PMAY)? - 7 Steps
3 min read Apr 19, 2024 Home Loan Subsidy PMAY was launched in June 2015 with the aim of providing housing for individuals living in urban areas by the end of 2022. Under this scheme, the government of India offers to assist agencies operating in states and Union Territories (UTs) in providing housing […]
See full article at https://petnews2day.com/news/pet-industry-news/pet-financial-news/how-to-apply-for-home-loan-subsidy-pmay-7-steps/?utm_source=TR&utm_medium=Tumblr+%230&utm_campaign=social
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Affordable housing has emerged as a significant trend in Delhi's real estate market in recent years. With the city's population continuously expanding and urbanization on the rise, there's a growing demand for housing solutions that are not only affordable but also well-connected and equipped with modern amenities.
Several initiatives by the government, such as the Pradhan Mantri Awas Yojana (PMAY), have played a crucial role in promoting affordable housing in Delhi. These schemes aim to provide housing for all by offering subsidies and incentives to both developers and homebuyers.
One of the key factors driving the demand for affordable housing is the influx of migrants from rural areas seeking better opportunities in the city. These individuals often have limited financial resources and require housing options that are both economical and convenient.
Developers in Delhi have responded to this demand by launching projects specifically targeted towards the affordable housing segment. These projects typically offer compact yet functional apartments with basic amenities at relatively lower prices compared to luxury developments.
Areas on the outskirts of Delhi, such as Narela, Bawana, and Dwarka Extension, have witnessed significant growth in affordable housing projects. These locations offer ample land availability and relatively lower land costs, making them ideal for developers to undertake large-scale affordable housing projects.
The rise of affordable housing in Delhi not only addresses the housing needs of the city's growing population but also presents lucrative investment opportunities for buyers and investors. With the government's continued focus on this segment and developers' commitment to delivering quality yet affordable homes, the future of affordable housing in Delhi looks promising.
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Explore the transformative '5 Pradhan Mantri Yojana Schemes You Should Know About' on indiatechmitra.com, showcasing pivotal government initiatives aimed at national development and individual welfare. From affordable housing and financial inclusion to healthcare access and skill development, these schemes are designed to empower the citizens of India and fuel the country's progress. This article provides an overview of each scheme, including the Pradhan Mantri Awas Yojana (PMAY) for housing, Pradhan Mantri Jan Dhan Yojana (PMJDY) for financial services, Pradhan Mantri MUDRA Yojana for small business financing, Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) for life insurance, and Pradhan Mantri Kaushal Vikas Yojana (PMKVY) for skill development. Learn about the objectives, benefits, eligibility criteria, and how to apply for these schemes. Whether you’re seeking to improve your living conditions, enhance your financial stability, or upgrade your skills, our guide offers valuable insights into making the most of these initiatives. #PradhanMantriYojana #GovernmentSchemes #NationalDevelopment #IndividualWelfare #Empowerment #India #Housing #Finance #Healthcare #SkillDevelopment #Indiatechmitra
#PradhanMantriYojana#GovernmentSchemes#NationalDevelopment#IndividualWelfare#Empowerment#India#Housing#Finance#Healthcare#SkillDevelopment#Indiatechmitra
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Finding the Best Home Loan in Mumbai
Introduction
In Mumbai, owning a home is a dream for many. However, with the skyrocketing property prices in the city, most people turn to home loans to fulfill this dream. A home loan is a financial product offered by banks and financial institutions to help individuals purchase a house or apartment by providing the necessary funds upfront, which can be repaid over a specified period.
Importance of Choosing the Best Home Loan
Choosing the best home loan in Mumbai is crucial as it can have a significant impact on your financial well-being in the long run. A suitable home loan not only ensures that you can afford your dream home but also helps in minimizing the financial burden associated with repayment.
Factors to Consider When Choosing a Home Loan in Mumbai
Interest Rates
One of the most crucial factors to consider when selecting a home loan is the interest rate offered by the lender. Even a slight difference in interest rates can significantly affect the overall cost of the loan.
Loan Amount and Tenure
It's essential to assess your financial situation and choose a loan amount and tenure that you can comfortably repay. Longer tenures may result in lower EMIs but can increase the total interest outgo.
Eligibility Criteria
Each bank has its own set of eligibility criteria based on factors such as age, income, employment status, credit score, etc. It's essential to check these criteria to ensure you qualify for the loan.
Processing Fees and Other Charges
Apart from interest rates, consider the processing fees, prepayment charges, late payment fees, and other charges associated with the loan. These additional costs can significantly impact the overall affordability of the loan.
Overview of Top Banks Offering Home Loans in Mumbai
State Bank of India (SBI)
SBI is a leading public sector bank known for its competitive home loan products, attractive interest rates, and flexible repayment options.
HDFC Bank
HDFC Bank is a renowned private sector bank offering a wide range of home loan products with quick approval processes and personalized customer service.
ICICI Bank
ICICI Bank provides competitive home loan offerings with attractive interest rates, flexible repayment options, and convenient online application processes.
Axis Bank
Axis Bank offers home loans with competitive interest rates, quick processing, doorstep service, and various features like balance transfer facilities.
Kotak Mahindra Bank
Kotak Mahindra Bank provides customized home loan solutions to suit individual needs, offering competitive interest rates and flexible repayment options.
Tips for Getting the Best Home Loan Deal
Improve Credit Score
Maintain a good credit score by paying bills on time and reducing existing debt. A higher credit score can help you qualify for better loan terms and lower interest rates.
Negotiate with Lenders
Don't hesitate to negotiate with lenders to get the best possible deal. Ask about any discounts or concessions available and compare offers from multiple lenders.
Explore Government Schemes
Explore government schemes such as Pradhan Mantri Awas Yojana (PMAY) that offer subsidies and incentives to first-time homebuyers.
Real-Life Examples and Testimonials
Share real-life examples and testimonials from individuals who have successfully availed home loans in Mumbai and benefited from choosing the right lender.
Conclusion
Choosing the best home loan in Mumbai requires careful consideration of various factors such as interest rates, loan amount, tenure, eligibility criteria, and customer service. By comparing offerings from different banks and financial institutions and following the tips mentioned above, you can find a home loan that meets your needs and helps you achieve your dream of homeownership in Mumbai.
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Resilience: Getting the Discourse Right!
Amidst uncertainties surrounding the Indian economic growth and the ongoing pandemic wreaking havoc across the country, the climate question hangs in the balance. On the one hand, the Indian government’s support for the coal sector cast doubt on its commitments to mitigate the global climate crisis. On the other hand, the potential for climate adaptation through national programs like AMRUT, PMAY, Smart Cities Scheme, and SBM-U is inadequate due to these programs’ limited attention to resilience building or risk reduction. On 23 September 2019, the need for climate adaptation was brought (back) into focus by the announcement of a global Coalition for Disaster Resilient Infrastructure (CDRI) by Prime Minister Narendra Modi. The CDRI is a multi-stakeholder international partnership to build resilience into infrastructure systems to ensure sustainable development.
The use of the term ‘resilience’ in India’s adaptation efforts, as across the globe, raises important questions about the discourses underlying its use and their eventual manifestation in practice—to avert, prepare, and recover from climate-linked crises. Compared to sustainability that urges continual preparation for an ever-distant future, resilience offers a more hopeful and optimistic outlook for coping in the face of adversity. Notwithstanding this optimism, the translation of resilience in practice encounters accusations of glossing over critical social aspects of equity, justice, and participatory democracy. In the first instance, the contention lies in the concept’s propensity for multiple interpretations. From an engineering perspective, resilience describes a physical materials’ (iron or plastic) property to revert to its original form or structure after being deformed by external forces. A more dynamic interpretation, departing from the former equilibrist view, appears in the context of natural and environmental sciences. Rather than seeking equilibrium, resilience preserves system functionality by reconstituting its structure in response to internal or external disturbances. For example, a water body that responds to high nutrient content by undergoing eutrophication can, within specific limits, revert to its original healthy state once the pollutant content decreases. Notably, in both these interpretations—both equilibrist and dynamic, resilience is mainly construed as a property of physical or natural systems, not social.
The third interpretation of resilience arises from its deployment to describe social systems’ capacity for self-organization in the face of crises. In contrast to the former two, this reading of resilience was a deliberate attempt to expand its disciplinary reach and, rather normatively, explain how societies react to disturbances. Insofar as this expansion sought to conceive social systems as inherently resilient and capable of bouncing back from internal and external crises with or without reconstituting their structure, it precluded attention to the source of these crises and whether the pre-crisis state was desirable at all, and if so, for whom? As such, the mobilization of a concept emerging from hard sciences to explain social concepts and constructs carries obvious blind spots.
Subjecting social systems’ capacity to normative conceptions of adaptation to withstand various crises reveals intractable incompatibilities between the concept of resilience and the contemporary social sciences. Yet, the concept has and continues to garner traction, as mentioned above. Insofar as resilience is mobilized as a foundational concept to construct visions of a future beset by climate-linked disasters, it has manifested in three primary forms. First, emergency management and disaster preparedness plans emphasize risk reduction and institutional preparedness like the National Disaster Management Act 2005 and the National Disaster Management Policy 2009 and 2016. Second, roadmaps for post-disaster recovery and revitalization. Given the lackadaisical approach to post-disaster recovery and revitalization in India, examples of comprehensive disaster-specific recovery plans are few and far between. An essential aspect of recovery is addressed by the National Disaster Relief Fund (NDRF), constituted under the NDMA, 2005, ‘to meet the expenses for emergency response, relief, and rehabilitation.’ Third, climate adaptation plans to emphasize ‘developing systems and structures in the present to forestall the challenges of a potentially catastrophic future.’
Each type of plan mentioned above draws on a different understanding of resilience, resulting in the differential conceptualization of the disaster, the communities or regions vulnerable to it, and the subsequent post-disaster recovery and resource allocations that must follow. Take, for instance, the emergency management and disaster preparedness plans. Inasmuch as these plans underscore a proactive approach to averting or minimizing the impact of climate-linked emergencies, their primary focus remains on reducing recovery times and instituting standardized response protocols, often at the expense of improving mitigation and preparedness. An inherent issue with a top-down recognition of a disaster is the persistent exclusion of the vulnerable community’s perspectives. In the Indian context, this raises questions like: does persistent malnutrition and hunger among the country’s poor count as a disaster, or does it only get registered when a severe drought hits? A nonparticipatory view of what counts as a crisis and when and where an emergency occurs consistently shuts out communities with the feeblest voice. Also, the inability to differentiate between different types of disasters—slow-acting like food impoverishment of large swathes of the population versus sudden shocks like floods and wildfires—results in emergency management and preparedness plans that emphasize the latter at the expense of the former.
Whether and how a disaster is characterized has deeper repercussions for post-disaster recovery and revitalization interventions. The policies and plans set into motion by post-disaster roadmaps, whether addressing sudden shocks or slow burns, carry normative implications for recovery and reconstruction. For physical systems, like energy infrastructures, these strategies emphasize increasing investments to harden transmission lines and expand distribution network redundancies. For social structures, these same strategies, quite rightly, entail reducing poverty and eliminating social vulnerabilities. But one need look no further than the aftermath of the migrant crisis and the official reactions (or lack thereof) to the unfolding humanitarian disaster. Incisive questions asked by Lawrence Vale, Director of MIT’s Resilient Cities Housing Initiative, in the context of Hurricane Katrina also apply to India’s migrant crisis:
“Is ‘the city’ resilient even if many of its poorest former citizens have not been able to return? Or, as is the view of some, is the city’s resilience actually dependent on the departure of many of its most vulnerable residents?”
Increasing resilience of societies against slow-acting crises like malnutrition, droughts, or growing economic inequality, for that matter, carries greater normative overtures. The slow-acting nature of such crises subjects the determination of their severity and remediating assistance to political vicissitudes rather than case- and location-specific evidence-based policy measures.
Finally, the deployment of resilience in climate adaptation plans, unlike emergency management and post-disaster roadmaps, is rendered expedient in anticipating an impending catastrophe as opposed to ongoing or begone crises. Determination of vulnerability, social and locational, to anticipated climate catastrophes, then, increasingly, becomes the province of high-level political committees and expert-driven viewpoints, which often cede no meaningful ground to the vulnerable themselves. When given as likely to occur, a crisis sanctions non-local and non-state actors to marshal citizens to embrace standard adaptation practices without reference to local ‘threat perceptions’ in relation to the crisis. The 73rd and 74th amendments to the Indian constitution, which unfortunately remain ineffectually implemented, include provisions for poverty alleviation, welfare for weaker sections of the society, and devolution of State powers and responsibilities for economic development and social justice. Bolstering the implementation of these and other provisions to facilitate devolution to local levels is likely to improve urban and rural capacities to build context-specific adaptive capabilities, particularly for the vulnerable.
With its predominant focus on infrastructure resilience rather than explicitly on social dimensions, adaptation efforts resulting from the CDRI are likely to bypass the challenge of enacting feasible and effective social interventions to increase social resilience. Regardless, as India takes the critical step to building its resilience, it behoves policy professionals and civic leaders to question the optimism surrounding the concept of resilience, its potential for disregarding the vulnerable, and its propensity for being co-opted the dominant order.
Dr. Ali Adil is an Assistant Professor at Kautilya School of Public Policy, which aims to rebalance the role of Society, Government, and Business towards an Equitable and Regenerative India and the World.
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