India, Maharashtra, vijay kumbhar, News, Governance, RTI, Transparency, Civic Issues, Real Estate: Officials booked , What went wrong with Maple Groups 1 BHK flats for Rs five lakh, as a part of PMAY ?

Wednesday, April 20, 2016

Officials booked , What went wrong with Maple Groups 1 BHK flats for Rs five lakh, as a part of PMAY ?

Finally case has been filed against maple group for the firm’s “fraudulent” advertising of one-bedroom flats for Rs five lakh each as part of Pradhan Mantri Awas Yojna (PMAY).The group was collecting non refundable Rs. 1145/- as a processing fee from the perspective buyer and expecting to collect around one lakh such forms. Police sub-inspector Narayan Palampalle, attached to the Shivajinagar police station, lodged the first information report (FIR). Police have booked Sachin Ashok Agarwal, Naveen Ashok Agarwal and sales manager Priyanka Agarwal and other officials of the Maple Group under section 420, 417, 120 (b), 34 of the Indian Penal Code (IPC)

photo courtsey http://www.trafficchallan.co.in/

Actually the PMAY  is to  be implemented through four verticals giving option to beneficiaries, Urban Local Body’s (ULB) and State Governments. These four verticals are "In situ" Slum Redevelopment, Affordable Housing through Credit Linked Subsidy, Affordable Housing in Partnership and Subsidy for beneficiary-led individual house construction. However it was not mentioned in the advertisement for which group they were inviting applications. It appears from further developments that they were talking of Affordable Housing through Credit Linked Subsidy (CLS)

Photo courtsey indianrealestatefordummies.in

Now forget about the one-bedroom flats for Rs five lakh scheme that is nothing but jugglery of words. We will talk on it in next post. But what went wrong with Maple group’s scheme is collecting crores of rupees without any authority from perspective flat buyers. As per PMAY guidelines In lieu of the processing fee for housing loan for the borrower under the scheme, Primary lending Institutes (PLI) will be given a lump sum amount of Rs. 1000 per sanctioned application. PLIs will not take any processing charge from the beneficiary. That means collecting processing charges from flat buyers was not allowed.

As well beneficiary was supposed to apply for a housing loan directly or through the ULB or the local agencies identified by the State/ULBs for facilitating the applications from intended beneficiaries. Moreover In order to incentivize the designated staff of ULBs or NGOs a sum of Rs.250 per sanctioned application would be paid out of CLS Scheme funds payable through State Governments.

In short collecting any amount from flat buyers to which government was funding was absolutely wrong , illegal and misuse of government’s scheme. 

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