Redefining Housing: The Kudumbashree way of addressing the homeless


Pradhan Mantri Awas Yojana (U) is a centrally sponsored scheme jointly implemented by the state government and urban local bodies(ULBs) with the objective of providing Housing for All. Kudumbashree, the state poverty eradication mission of Government of Kerala is the state level nodal agency for implementing the scheme in Kerala. Under the scheme, sanction has been obtained for constructing 88672 houses, out of  which construction of 26546 houses has been completed and 72671 houses has been started.


Providing a decent shelter to a family itself will improve the self esteem of the members and ensure their upward mobility in the social ladder. Apart from these, state has adopted  a multi faceted convergence model and various steps for ensuring effective implementation so as to improve the life of beneficiaries.

Enhanced financial assistance


PMAY(U) is converged with LIFE Mission(Livelihood, Inclusion and Financial Empowerment), the comprehensive housing scheme of Govt. of Kerala and is implemented as PMAY(U)-LIFE. Unit cost under BLC(N) has been enhanced from Rs.1.5 lakhs to Rs.4 lakhs and additional assistance is provided under LIFE Mission. Central assistance is provided at the rate of Rs.1.5 lakhs/ unit.


Multi faceted convergence model


Convergence with flagship programmes, schemes of state government, ULBs , NGOs and corporates are integrated towards providing gap fund for construction and also to ensure comprehensive development of PMAY beneficiaries.


Through convergence with Ayyankali Urban Employment Guarantee Scheme (AUEGS) 90 man days are provided to PMAY beneficiaries so as to provide additional financial assistance of Rs.24,390/beneficiary. An amount of Rs 37,19,97,906 has been released to PMAY beneficiaries under the wages component of AUEGS till date. 63,210 beneficiaries of PMAY(U) are benefitted under the scheme.


Support is provided to PMAY beneficiaries through convergence with flagship programmes of the Ministry such as National Urban Livelihood Mission(NULM), state schemes and external assistance. Convergence with NULM is envisaged towards providing better income to the family along with a safe and secure abode.  Increase in income through skill upgradation and setting up of self employment ventures will enhance the quality of life of urban homeless. 700 members of PMAY beneficiary families are oriented and 160 are given placement under the Employment Skill Training and Placement (EST&P) component of NULM.  Training is also being provided to members of beneficiary families for starting enterprises.


ULBs have earmarked funds to provide support to PMAY beneficiaries to improve their living environment through provision of biobins, solar panels etc.  As part of Corporate Social Responsibility of organizations, gap fund is provided to vulnerable families for completion of houses.

Beneficiary selection is done with the support of Kudumbashree network to ensure inclusion of all eligible beneficiaries. Handholding for completion of construction and intervention like community support and bulk procurement are geared by the network. Mission as part of empowering women in self employment, identified construction as a potential area for meeting the desired objectives and constituted “‘All Women Construction Groups”. Currently 50 units consisting of 496 members are  functioning across various ULBs in the state. Presently, 39 PMAY(U) houses are constructed by the women construction groups. 


Credit Linked Subsidy Scheme (CLSS)

As part of CLSS component of PMAY(U), interest subvention is provided for the loan availed for construction or  purchase of house. 6.5% is the maximum interest subvention. Loan has been released to 14056 beneficiaries in the state. Kudumbashree has executed MoUs with Axis Bank and Bank of India in this regard. Loan melas and IEC initiatives such as exhibition of hoardings, distribution of leaflets and awareness through social media has been adopted towards mobilizing beneficiaries.


Addressing the issue of landless

State has made considerable progress in redressing the issue of homeless having land under PMAY(U).  Towards addressing the issue of landless, apartment complexes are constructed under Affordable Housing in Partnership component of PMAY(U). Construction of 2 apartment complexes are in progress and 488 PMAY(U) families are benefitted under this scheme. It is proposed to get sanction to construct 13 apartment complexes.


“Green Home” (Haritha Bhavanam ) competition to identify best PMAY home in the ULB

“ Haritha Bhavanam” competition  was conducted to recognize the “Green Home” in each ULB . Green home is selected based on energy efficiency, waste management, maintenance of green space etc. The competition enabled to spread the messages of rain water harvesting, kitchen garden, waste disposal mechanisms and green energy among PMAY beneficiaries.  A cash prize of Rs.10,000 has been given to the best home in each ULB. Along with the competition, ULB wise competition was held among students on housing literacy. Poster competition, debate and quiz competitions were held. This instilled a competitive spirit to clean the house and premises.


Angikaar campaign for convergence and change management

MoHUA  has launched a campaign “ Angikaar” for quality of life enhancement of PMAY(U)  beneficiaries through convergence and change management. As part of the campaign, convergence with schemes such as Ayushman Bharath that provides cashless medical treatment upto Rs. 5 lakh, Ujwala yojana for providing free gas connection  and various state specific schemes. Ward level awareness programmes and IEC programmes such as street plays, flash mobs, broadcasting of audio spots through radio stations, signature campaigns etc towards creating beneficiary change in terms of waste management, energy conservation, health and hygiene etc are being undertaken on a massive scale. 


Online Monitoring Tool

Apart from the MIS, designed by the MoHUA, a state specific well set monitoring mechanism “PMAY(U) Tracker”  is in position to review the scheme implementation in ULBs.The tracker enables to view various reports and status of the scheme implementation.All the reports in the website( are incorporated with dynamic data analysis searching and sorting options.  Colour coded scoring facility is included in the website to track the performance of the municipalities. 

Hence, apart from providing a decent shelter, Kudumbashree has adopted an inclusive approach for the comprehensive development of the homeless.

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