First, except for 312 notified colonies, the status of remaining PM-UDAY locations is still unauthorised.
Second, areas under PM-UDAY are challenging because of its legal chain (DDA conveyance deed without allotment letter).
In the absence of DDA allotment, banks need a legal chain for at-least 13 years for legal report. In most cases, these legal documents are not available even in 312 notified colonies.