What is Deen Dayal Jan Awas Yojna (DDJAY) ?

Deen Dayal Jan Awas Yojna (DDJAY) Scheme

Deen Dayal Jan Awas Yojna-Affordable Plotted Housing Policy 2016 for Low & Medium Potential Towns.

• 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 shall be required to be necessarily completed within 7 years (5+2 years) from the date of grant of licence.

• The projects under this policy shall be allowed only in the residential zone of the notified Development Plans of Low and Medium Potential towns of the State.Further, in any residential sector not more than 30% of the net planned area under residential zone, inclusive of the 20% area limit allowed for group housing projects, can be allowed for projects under this policy. However, if a residential sector has an area of less than 50 acres, one such project shall be allowed upto 15 acres.
• The minimum and maximum net planned area for such projects shall be 5 acres and 15 acres respectively irrespective of the Development Plan where such project is proposed. Not more than 10% of the licenced area should fall under sector roads.
• The first licence may be obtained for an area of 5 acres or more and additional licence for minimum 2 acres can be obtained to take the aggregated area of colony upto 15 acres.
• Grant of licence shall be considered under this policy, initially, against 20% group housing area limit in such sector. Once the area under 20% limit stands exhausted on account of either group housing licences or affordable housing policy 2013 projects or under the present policy; grant of any further licence under this policy shall be considered only upto a further limit of 10% of the net planned area under residential zone of such sector.

1. In case, the receipt of licence applications in a particular sector for area is less than the total area permitted in that sector under this policy, then all the eligible applications shall be considered for grant of licence subject to the minimum area norm of 5 acres and maximum area norm of 15 acres.Applications shall be entertained on an ongoing basis till the availability of area in any specific sector and/or any specific development plan vis-a-vis the area limits prescribed under this policy gets licenced.
2. In case the receipt of licence applications in a particular sector for area is more than total area permitted in that sector under this policy, then:-

• i.Every applicant shall be eligible for minimum 5.00 acres and the balance area shall be allowed to every applicant in proportion to the balance permitted area viz -a-viz balance applied area.
• ii.However, if all the applications cannot be accommodated in view of minimum area norms, then the DGTCP may consider all applications by increasing the permitted area upto 40% of net planned area of residential sector. If all the applications cannot be considered even within 40% of net planned area, then draw of lots shall be conducted.

1. .Max area of plots to be permitted: 150 sqm.Min. and Max. density permitted: 240 to 400 persons per acre (PPA).
2. Max. area allowed under Res. & Comm. Plots: 65% of the licenced area
3. Area under Commercial Use: Max. 4% of licenced area.
4. Max. FAR on Res. plot of upto 150 sqm: 2.00
5. Min. width of Internal roads in the colony:9 metre
6. Minimum Area under organized Open Space:7.5% of the licenced area.The entire area prescribed under organized open space shall preferably be provided in asingle pocket of regular shape. At least one organized open space pocket, in each colony, shall be of not less than 0.3 acre area.
7. No separate EWS/NPNL category plots shall be provided to eliminate any cross subsidy component and thus to avoid any adverse impact on the affordability of plots made available under this policy.
8. Clubbing of residential plots for approval of integrated zoning plan of two adjoining plots under same ownership shall not be permitted in the colonies approved under the present policy.
9. The colonizer will transfer 10% area of the licenced colony free of cost to the Government for provision of community facilities. This will give flexibility to the Director to workout the requirement of community infrastructure at sector level and accordingly make provisions. Since the area will be received in a compact block, it will help in optimal utilization of the area.
10. Registration of independent floors in plots shall be allowed.
11. The stilt parking shall be allowed.

• Allotment of 50% residential plots covering saleable area (excluding 50% area frozen by the Department) shall be undertaken in the first phase by the licencee/coloniser. However, the colonizer shall also carry out development works simultaneously on this a rea also. It is clarified that 15% area mortgaged towards IDW shall be part of 50% area frozen by Department upto completion of IDW in the colony.
• The applicant shall have an option to deposit the cost of internal development works with the concerned Municipality as per mutually decided rates.
• As a matter of security against any possible delinquencies in completion of the project, the coloniser shall be required to mortgage residential plots covering saleable area of not less than 15% of the total area under all residential plots in lieu of depositing cost of IDW with concerned municipality, in favour of the Director.
• The applicant shall be allowed to sell the balance 50% of the saleable area after completion of IDW

1. Taking into account the fact that a limited number of projects shall be allowed under this policy, the licence fees shall be levied at the following rates:

• For medium potential towns: Rs. 1 lakh per acre
• For low potential towns: Rs. 10 thousand per acre

2. The scrutiny fees at prescribed rates shall be levied.

3. The Conversion Charges and IDC shall stand waived off.

4. The bank guarantee to the tune of 25% on account of IDW shall be submitted or the applicant has to mortgage 15% salable area.

5. EDC shall be payable at the rate of Rs.10 Lacs per acre for Medium Potential Zone, Rs.7.5 Lacs per acre for all the District Headquarters falling within Low Potential Zone and Rs. 5 Lacs per acre for all other towns falling within Low Potential Zone. The bank guarantee to the tune of 25% on account of EDC shall be submitted by the applicant.

• The Director may impose any other condition, as considered necessary, to ensure provision of adequate infrastructure services to the colony and for effective implementation of this policy.
• The allotment letter and sale-purchase agreement entered into with the allottees shall also include the parameters prescribed under this policy to maintain complete transparency in the matter.

In order to enable effective and expeditious implementation of this policy to facilitate creation of additional affordable plotted housing stock in the Low and Medium Potential Towns of the State,necessary action pertaining to amendment in Act/ Rules, development plans will be undertaken immediately.

Memo No. PF-27A/3429 Dated:-24.01.2018

Extension of Deen Dayal Jan Awas Yojana Policy, 2016 to the Development Plans of Sonepat Kundli Multifunctional Urban Complex, Panipat, PinjoreKalka Urban Complex, Sohna, Kot Behla and Faridabad-Ballabhgarh Urban Complex falling in the High Potential Zone.

In continuation of the policy instructions issued vide memo no. PF-27A/2700 dated 08.02.2016 and further clarification issued vide memo no. PF-96/PA(SN)/2017/7/1/2017-2TCP dated 07.02.2017, the Governor of Haryana is hereby pleased to extend the said policy to the Development Plans of Sonepat-Kundli Multifunctional Urban Complex, Panipat, Pinjore-Kalka Urban Complex, Sohna, Kot Behla and Faridabad-Ballabhgarh Urban Complex falling in the High Potential Zone subject to the following conditions:

1. All fee & charges viz licence fee, scrutiny fee, conversion charges, EDC & IDC shall be recovered at the rate of 75% of the respective rates applicable for residential plotted colony in the respective Development Plans.
2. All other policy parameters as presently applicable under the existing policy dated 08.02.2016 shall continue to remain applicable.

Endst. No Memo No. PF-27A/3430 Dated:-24.01.2018

A copy is forwarded to the Secretary, Council of Ministers, Haryana with respect to U.O. No. 9/46/2018-2 Cabinet dated 16.01.2018, affirming the implementation of the said decision of the Council of Ministers.

Deen Dayal Jan Awas Yojna : Affordable Housing scheme of Haryana

Deen Dayal Jan Awas Yojana, an affordable housing scheme of state Government of Haryana has been launched by prime Minister Narendra Modi on 1st November on Haryana Golden Jubilee Day.

Facts :

• Deen Dayal Jan AwasYojna is an initiative of Haryana government to encourage the development of ”high density plotted colonies” in Low and Medium Potential towns of Haryana through a liberal policy framework.
• This policy aims to put a check on mushrooming of unauthorized colonies in these towns and simultaneously achieve the target of ‘Housing For All -2022’.
• Under the Deen Dayal Jan Awas Yojana, the state government aims to develop about 1 Lakh affordable homes in next three years.
• To encourage the development of such colonies by private colonizers, the rates of licence fee and external development charges have been substantially reduced, while the conversion (CLU) charges and infrastructure development charges have been waived off.
• The scheme has been approved under the Consolidated Licensing Policy 2015 of Haryana Government.
• Builders or the land owners can build housing society or colony in 2 acre to 10 acres of land.
• Government will not acquire land for the builders, but the builders have to purchase the land themselves.
• Land owners will have the freedom to sell their land at the market rate.
• The CLU will be approved within 90 days after the application.
• Farmers will also be allowed to develop housing units on their land.
• Builders will be allowed to develop colonies in 25 acres of area instead of previous minimum of 100 acres.
• 2 Lakh homes will be constructed in the state under the scheme by the year 2022.
• Under Deen Dayal Jan Awas Yojana, max allowed area of the plot would be 150 Sq.Mt.. The minimum and maximum density per acre is 240 and 400 people respectively.
• Under the scheme, the license fee for the medium-potential towns will be levied at a rate of Rs 1 lakh per acre and for Rs 10,000 per acre for low-potential towns.
• The colonizer will sell the licenced area in two phases. The latter 50% can be sold only after completion of Internal Development Work for which the colonizer is directed to mortgage 15% of saleable area.
• 10% area of licenced colony to be transferred by colonizer to the Government for development of community facilities.
• All the developers will have to complete the housing projects within 7 years after the grant of the license.
• The developers will be allowed to develop the housing units only in the residential zones of the towns as specified in the respective master development plans.
• The most attractive feature of DDJAY for benefit of prospective buyers is availability of loan up to 80% of property value from all leading institutions.
• Currently there is a significant cash component involved in land transactions and maximum loan of 60% of cheque value is available.
• This scheme makes it possible for buyers to purchase freehold, litigation free and loanable plots. First time buyers can avail interest benefits upto 2.35 lacs under Credit Linked Interest Subsidy Scheme of the government.

Analysis :

• The flats under the Deen Dayal Jan Awas Yojana will be constructed by the private housing construction firms under the supervision of state government.
• The scheme will also help reduce the increase in unauthorized colonies in the state.
• This scheme will benefit the Financial Weaker Section group of people to get homes at affordable rates.
• Even though prices have not been fixed by the government for the plots to be sold under this scheme, the authorities plan to ensure regular and adequate supply of high density plotted colonies which will ensure that the rate of plots are affordable in such colonies.
• Unlike Affordable Housing Scheme where draw of lots is conducted, allotment under this scheme shall be done on first cum first serve basis.

Payment Plan :

The payment plan is to be decided by the colonizer so it will differ from project to project. Payment is made in sync with the Internal Development Work. A standard payment plan looks like this: