The Mukhyamantri Awas Yojana has been started in 2007 with a view to providing to a large number of houses to homeless families.
India, being a developing country has continued to embark a new journey towards development and advancement in different fields. However, if there is any development that is manifested in one area, there are other areas which are completely left devoid of any such advancement and as a result, they suffer a major drawback in many terms. Such is the case in the state of Madhya Pradesh, which is the heart of the Indian nation. Poverty and backward regions rule the state implicitly and such has been the state of the regions ever since independence.
In the wake of an urgent need to uplift the state and improve the standard of living conditions for the people of the city, many plans and programs have been launched to provide relief to the people of this state. Accordingly, every year, nearly one lakh houses are received by the homeless under the Indira Housing scheme. This scheme provides housing especially to the people in rural areas. However, the important thing to note here is that considering the number of people who are in need of housing in the state of Madhya Pradesh, the number of these houses is quite less.
It is in the need of this requirement that a need was to start the Mukhya Mantri Awas Yojana which could provide housing to the agricultural farmers and rural population of Madhya Pradesh. Essentially, the Mukhya Mantri Awas Yojana is a demand-based and self interest ridden debt plan. As per this scheme, self housing shall be constructed by the beneficiary under question and shall be concluded based on the arrangements mad by such beneficiary. Based on the arrangement, the bank shall provide a loan of 10-15 years, which will also depend on the loan repaying capacity of the beneficiary.
How has the Mukhya Mantri Awas Yojana been implemented?
Like most other schemes, even the Mukhya Mantri Awas Yojana has been brought into implementation in a phased manner, such that most districts of the state come under the purview of the scheme. As of now, the scheme has not been implemented in those village areas, which lie in the external regions of the state. The Mukhya Mantri Awas Yojana was initiated in the year 2007. As of now, more than 739 families have drawn benefit from such schemes. Mainly, the Mukhya Mantri Awas Yojana was launched for the benefit of those families who do not come under the benefit of the Indira housing scheme. Hence, in a way, Mukhyamantri Awas Yojana ensures housing for one and all in the backward and rural area of Madhya Pradesh.
Benefits of Mukhyamantri Awas Yojana:
On a larger scale, it has been seen in India that when a benefit is offered for the common benefit of the society, the actual benefit is not received by all. Hence, the under privileged and backward people are most commonly left out of the effect of such schemes. Such is the state of politics and unfair practices in India. As a result, if any schemes for the housing of rural population have been launched in the past, they have only come to witness a total failure, as the real people who were supposed to derive the benefit of such schemes, were largely left out of it. Thus, Mukhya Mantri Awas Yojana is an attempt to fairly provide housing opportunities for the rural poor of Madhya Pradesh, a state which is already affected on a large scale by poverty and rural backwardness. The scheme is an attempt to uplift the standard of living of these people to some extent and provide relief to them in a time of distraught. The Mukhya Mantri Awas Yojana is one of the many attempts of the government of India to uplift the standard of the people in Madhya Pradesh. Under the Mukhya Mantri Awas Yojana scheme, the government will be responsible for constructing typical 2 BHK flats for the extremely poor and needy people who earn less than Rs. 3 lakh. In this way, the government shall give them the requisite money in various instalments for a designated piece of land. The Chief Minister also has access to take the loan from the applicant bank for housing the interest of which, shall be filled by the government.
The aim of the scheme is to provide housing to those people in rural and under developed areas, which do not have access to any form of accommodation. For this purpose, a standard has been decided upon as well, which defines the category of housing that one is eligible to obtain under the scheme. The good thing about such housing facilities is that they are being built and provided with most modern amenities such as sewage systems, roads, lighting and greenery.
What are the essential documents that one needs to furnish in order to avail the benefit of this scheme?
As per the laid down guidelines of the Mukhya Mantri Awas Yojana, one needs to furnish the following documents in proof, in order to be eligible to obtain the benefits under this scheme. Take a look at the documents required:
- Proof of residential address
- Proof of cast certificate
- Proof of bank account number
- Proof of Aadhar card or PAN card
Without furnishing these proofs it will be difficult for a person from rural area to get the benefit of this scheme. In order to apply for the scheme, one can even seek online assistance from a learned person. This would assist them in obtaining the necessary applications and forms for filling the details so that they can take advantage of this scheme. The government has also provided various customer care helplines to people who seek assistance in this matter and resolve related issues.
Why should the scheme be continued and encouraged?
In the current scenario of the country and owing to the state of affairs of the needy people in this country, it would be obvious to conclude that people need the backing of the government to help them cope up with the difficult times. Hence, it is quite obvious that these people ought to be allowed some relief in terms of subsidies and schemes such that they can make their lives better and hope to see a better tomorrow. Thus, the applicability and functioning of schemes like the Mukaya Mantri Awas Yojana are a respite to the needy people in the state of Madhya Pradesh, who could use some assistance of the government in setting up a better standard of living. This would surely help them overcome their previous disabilities in terms of financial backwardness and hope to improve their coming future. Thus, the schemes such as these are highly appreciated and expected to bring a change in the lives of such people who are living in rural areas.