Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804f838dec89-trace').style.display = (document.getElementById('cakeErr6804f838dec89-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr6804f838dec89-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804f838dec89-code').style.display = (document.getElementById('cakeErr6804f838dec89-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr6804f838dec89-context').style.display = (document.getElementById('cakeErr6804f838dec89-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr6804f838dec89-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
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		&#039;title&#039; =&gt; &#039;Govt earmarks income bar for LIG -Mahendra Kumar Singh&#039;,
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-The Times of India
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.
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Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).
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The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.
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&lt;br /&gt;
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The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.
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The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.
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&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.
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&amp;quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&amp;quot; he added.
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Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.
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The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.
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At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&amp;nbsp;
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&amp;quot; he added.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&amp;nbsp;&lt;/div&gt;&#039;,
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.
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The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.
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The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.
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The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.
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&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.
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&amp;quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&amp;quot; he added.
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Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.
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The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.
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At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&amp;nbsp;
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-The Times of India





Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria...&#039;
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria..."/>
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                <strong>Govt earmarks income bar for LIG -Mahendra Kumar Singh</strong></h1>
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                <div style="text-align: justify">-The Times of India</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&quot; housing and urban poverty alleviation minister Ajay Maken told TOI.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&quot; he added.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&nbsp;</div>               </font>
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.
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Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).
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The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.
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&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.
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Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.
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The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria...&#039;
$disp = &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&amp;quot; he added.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&amp;nbsp;&lt;/div&gt;&#039;
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-The Times of India





Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria..."/>
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                <strong>Govt earmarks income bar for LIG -Mahendra Kumar Singh</strong></h1>
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                <div style="text-align: justify">-The Times of India</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&quot; housing and urban poverty alleviation minister Ajay Maken told TOI.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&quot; he added.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&nbsp;</div>               </font>
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.
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Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.
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The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.
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-The Times of India





Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&amp;quot; he added.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&amp;nbsp;&lt;/div&gt;&#039;,
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	&#039;title&#039; =&gt; &#039;Govt earmarks income bar for LIG -Mahendra Kumar Singh&#039;,
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-The Times of India
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&lt;br /&gt;
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Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.
&lt;/div&gt;
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&lt;br /&gt;
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Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&amp;quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&amp;quot; he added.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&amp;nbsp;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Times of India, 15 November, 2012, http://timesofindia.indiatimes.com/india/Govt-earmarks-income-bar-for-LIG/articleshow/17223266.cms&#039;,
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-The Times of India





Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria...&#039;
$disp = &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Times of India&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&amp;quot; housing and urban poverty alleviation minister Ajay Maken told TOI.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&amp;quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&amp;quot; he added.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&amp;nbsp;&lt;/div&gt;&#039;
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-The Times of India





Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria..."/>
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                <strong>Govt earmarks income bar for LIG -Mahendra Kumar Singh</strong></h1>
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                <div style="text-align: justify">-The Times of India</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&quot; housing and urban poverty alleviation minister Ajay Maken told TOI.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&quot; he added.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&nbsp;</div>               </font>
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-The Times of India
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.
</div>
<div style="text-align: justify">
<br />
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<div style="text-align: justify">
Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
&quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&quot; housing and urban poverty alleviation minister Ajay Maken told TOI.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
&quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&quot; he added.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.
</div>
<div style="text-align: justify">
<br />
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-The Times of India





Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria...',
	'disp' => '<div style="text-align: justify">-The Times of India</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&quot; housing and urban poverty alleviation minister Ajay Maken told TOI.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&quot; he added.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&nbsp;</div>',
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-The Times of India
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<br />
</div>
<div style="text-align: justify">
Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
&quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&quot; housing and urban poverty alleviation minister Ajay Maken told TOI.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
&quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&quot; he added.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.
</div>
<div style="text-align: justify">
<br />
</div>
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The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.
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<br />
</div>
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At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&nbsp;
</div>',
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-The Times of India





Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria...'
$disp = '<div style="text-align: justify">-The Times of India</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG).</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme,&quot; housing and urban poverty alleviation minister Ajay Maken told TOI.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">&quot;Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes,&quot; he added.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.&nbsp;</div>'
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Govt earmarks income bar for LIG -Mahendra Kumar Singh

-The Times of India Families living in cities and towns with annual income of up to Rs 1 lakh or monthly earning of up to Rs 8,334 will fall in the category of economically weaker section (EWS), according to new criteria formulated by the housing and urban poverty alleviation ministry. Households having income between Rs 1 lakh and Rs 2 lakh or monthly earning of up to Rs 16,667 will be classified as low income group (LIG). The ministry, however, did not revise the income criteria for middle income group (MIG) and high-income group (HIG) segment, arguing that these segments did not fall under its purview. The decision to raise the bar on annual income needed to qualify for benefits under housing schemes such as Rajiv Awas Yojana and credit risk guarantee fund for EWS and LIG is expected to benefit 20 lakh people over the next five years. The ministry plans to provide credit risk guarantee to lending institutions against housing loans up to Rs 5 lakh for new borrowers in the EWS/LIG categories through Rs 1,000 crore credit risk guarantee fund. "The decision will ensure availability of bank loans for more poor people living in pathetic conditions in cities under credit guarantee fund scheme," housing and urban poverty alleviation minister Ajay Maken told TOI. "Also, these people will be able to take benefits under Rajiv Awas Yojana and EWS housing schemes," he added. Maken has been arguing that lower income criteria forces people to bribe officials to get false income certificates. The worrying fact before the government is that out of total housing shortage of 18.78 million units, the majority of it is in the EWS (56%) and LIG (39.4%) segments. The ministry is going to convey the decision to banks, financial institutions and state governments, urging them to implement it with immediate effect. At present, the income criteria for selection of beneficiaries under various schemes of the ministry is a monthly household income of up to Rs 5,000 or annual income of Rs 60,000 for EWS and Rs 5,001 to Rs 10,000 or up to 1.2 lakh for LIG segments.