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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