Lok Sabha Question No. 3112 (UNSTARRED), answered on 2025-12-18
Subject: Implementation of ISSR and BLC Components under PMAY
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Adhikari Soumendu

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 3112 TO BE ANSWERED ON DECEMBER 18, 2025

## IMPLEMENTATION OF ISSR AND BLC COMPONENTS UNDER PMAY NO. 3112.   SHRI ADHIKARI SOUMENDU:

Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state:

- (a) the details of the projects and programmes under In-situ Slum Redevelopment  (ISSR)  and  Beneficiary-Led  Construction  (BLC)  for  the slum  dwellers,  EWS  families  having  land  rights  and  eligible  landless beneficiaries of the country; and
- (b) the details of the criteria, technical requirements and financial eligibility processes prescribed for the qualified beneficiaries to receive grant under
- Central Financial Assistance framework?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI TOKHAN SAHU)

- (a) & (b):  'Land'  and  'Colonization' are  State  subjects.  Therefore,  schemes related  to  housing  for  their  citizens  including  providing  land  to  the landless urban poor to construct the  house  are  implemented  by States/Union Territories (UTs). However, MoHUA has been implementing PMAY-U  since  25.06.2015  with  an  aim  to  provide  all  weather  pucca houses with basic civic amenities to eligible urban beneficiaries including slum dwellers across the country through four verticals i.e., Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), In-Situ Slum Redevelopment (ISSR) and Credit Linked Subsidy Scheme (CLSS). ISSR vertical of PMAY-U is specifically for redevelopment of slum using land  as  a  resource  for  providing  houses  to  eligible  slum  dwellers.  The scheme  period  has  been  extended  up  to  31.12.2025  to  complete  the sanctioned houses without changing the funding pattern and implementation methodology.

Based on the learnings from the experiences of implementation of PMAYU, MoHUA has revamped the scheme and launched PMAY-U 2.0 'Housing for All' Mission with effect from 01.09.2024 for implementation in urban areas across the country to support 1 crore additional eligible beneficiaries  including  slum  dwellers  in  next  five  years.  The  scheme guidelines can be accessed at https://pmayurban.gov.in/uploads/guidelines/Operational-Guidelines-of-PMAY-U-2.pdf .

Based  on the project proposals submitted by States/UTs, as on 24.11.2025, a total of 122.06 lakh houses have been sanctioned by the Ministry under PMAY-U and PMAY-U 2.0, out of which 113.85 lakh have been grounded and 96.02 lakh are completed/delivered to the beneficiaries including slum dwellers across the country. Out of a total house sanctioned under the schemes, about 29.47 lakh houses have been sanctioned to slum dwellers under AHP/BLC/ISSR verticals of PMAY-U.

Under the schemes, selection of beneficiaries under BLC and AHP vertical is  done by respective State/UT/Urban Local Body (ULB) as per scheme guidelines based on the following criteria:

- i. Not owning pucca house in his/her name or any other family member's name, anywhere in India.
- ii. Belonging to Economically Weaker Section (EWS) with annual household income of up to ₹3 lakh.
- iii. Ownership of land to avail benefit under BLC vertical.

Further,  under  ARH  vertical,  eligible  beneficiaries  of  EWS/Low  Income Group (LIG) categories up to income limit of ₹6 lakh can avail the benefit of rental housing at affordable rate. Further, under ISS vertical, beneficiaries of EWS/LIG and Middle Income Group (MIG) categories up to income limit of ₹9 lakh per annum are eligible to get subsidy on home loans for purchase/re-purchase/construction of houses.

As  per scheme  guidelines,  in the case  of landless beneficiaries, States/UTs  at  their  own  expense  may  provide  heritable,  but  nontransferable  land  rights  (pattas)  to  the  family,  making  them  eligible beneficiaries  under  the  BLC  vertical.  Landless  people  may  also  avail benefits under AHP and ISS verticals of PMAY 2.0 scheme.

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