All 4041 statutory towns as per Census 2011 with focus on 500 Class I cities would be covered in three phases as follows:

  • Phase I (April 2015 - March 2017) to cover 100 Cities selected from States/UTs as per their willingness.
  • Phase II (April 2017 - March 2019) to cover additional 200 Cities
  • Phase III (April 2019 - March 2022) to cover all other remaining Cities

Ministry, however, will have flexibility regarding inclusion of additional cities in earlier phases in case there is a resource backed demand from States/UTs.

The subsidy would be released by the CNAs based on the disbursements made by PLIs to the beneficiaries. Subsidy, so disbursed by the CNA to the PLI, will be credited by the PLI to the borrower’s account upfront by deducting it from the principal loan amount. As a result, the borrower will pay EMI on the remainder of the principal loan amount. E.g., the borrower avails a loan for Rs. 6.00 lakhs and subsidy thereon works out to Rs. 2.20 lakhs, the amount (Rs. 2.20 lakhs) would be reduced upfront from the loan (i.e., the loan would reduce to Rs. 3.80 lakhs) and the borrower would pay EMIs on the reduced amount of Rs. 3.80 lakhs.

Mission will assist States/cities in carrying out the activities for preparation of HFAPoA under capacity building and A&OE funds. States and cities which have already been given assistance under erstwhile Rajiv Awas Yojana (RAY) for preparation of Slum Free City Plan of Action (SFCPoA) should utilise that amount for preparation of HFAPoA and claim next installment when 70% of the released funds have beenutilised.

It is mentioned here that HFAPoA addresses urban poor who may not necessarily be slum dwellersand it is thus required to integrate all four programme

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