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Deen Dayal Jan Awas Yojana : Affordable Housing made possible

Prime Minister of India keeps on coming up with interesting and easily implementable opportunities for the rural Indians in order to hep them live a life they have always wanted. Recently, one such scheme called Deen Dayal Jan Awas Yojana had been worked upon with the same intention. It happens to be a Huda government affordable housing plotted scheme launched in year 2016 in various location of Haryana. This policy shall be known as Deen Dayal Jan Awas Yojana. This policy is intended to encourage the development of high density plotted colonies in Low and Medium Potential towns of the State wherein small plots are made available through a liberal policy framework. All such projects need to be completed within 7 years (5+2 years) from the date of grant of licence. What one needs to appreciate about the Central Government is the fact that constructive steps are being taken in the direction of improving the overall prospects of staying arrangements for the epople who can’t afford luxurious plots but do want comfort at reasonable prices,

The Government of Haryana had been elated to notify an Affordable Plotted Housing Policy 2016 for Low and Medium Potential Towns: Deen Dayal Jan Awas Yojna, under the provisions of Section 9A of the Haryana Development and Regulation of Urban Areas Act, 1975 as well as under Section 11 of the Punjab Scheduled Roads and Controlled Areas Restriction of Unregulated Development Act, 1963. Deen Dayal Jan Awas Yojana, an affordable housing scheme of state Government of Haryana has been launched by the Prime Minister Narendra Modi on 1st November on Haryana Golden Jubilee Day. Under the Deen Dayal Jan Awas Yojana, the state government aims to develop about 1 Lakh affordable homes in next three years. This plan is supposedly unfolding in an extremely organized manner. One might also take in cognizance that this scheme was launched during the celebration of Haryana Golden Jubilee on 1st November 2016 in Gurugram (formerly Gurgaon). Under the scheme, the state government would develop low cost high density colonies in the low and medium potential towns where the land may be available for the development. The affordable housing colonies under the scheme are going to be developed by the private developers under the supervision of the state government.

Some of the Key features of the DDJAY Scheme plots

* Only up to 30% of a city’s otal planned residential area would be offered for project developments under this category. The maximum plot area under this scheme has been determined at 150 square metres (sq m).

* The area under roads cannot exceed 10 per cent of the total licensed area. The developer is also required to transfer 10 per cent of the licensed colony area to the government free of cost .

* -If somebody wishes to express interest in possessing these properties, applications can be submitted within 90 days from the date of notification of the scheme.

It is also to be considered that in case the total number of applications received in a particular area exceeds the total area that has been permitted under the policy, all the applicants who meet the eligibility criteria will be considered for granting a minimum area of five acres. If the total number of applicants comes around to be lesser than expected, each applicant will be considered for grant of licence, and the same is subject to the minimum and maximum area norm. The Director-General, Town and Country Planning, has been given the authority to increase the total permitted area by up to 40 per cent. A letter of intent or rejection on their application will be given to the developers within six months of applying. The applications will be accepted on an ongoing basis till all demarcated area under the policy has been allotted.


* Stilt + 4 structure allowed

* Separate floor registry

* FAR: 2.64

* 80% home loans on plots

* Possession link plan

* 100% home loan on construction

* Park, market, play school, community centre inside the society.

* Gated society complex

* Minimum 09 meter road

With multiple benefits , easy affordability and absolute transparency from the end of the central government, there should be no second thoughts regarding whether to invest in this fruitful opportunity or not.