Lok Sabha Question No. 275 (STARRED), answered on 2025-08-07
Subject: Pradhan Mantri Awas Yojana - Urban 2.0
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Vishaldada Prakashbapu Patil

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## STARRED QUESTION NO. 275 TO BE ANSWERED ON AUGUST 07, 2025 PRADHAN MANTRI AWAS YOJANA - URBAN 2.0

## NO.275. SHRI VISHALDADA PRAKASHBAPU PATIL:

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

- (a) whether  the  Government  proposes  to  launch  the  Pradhan Mantri Awas Yojana - Urban (PMAY-U) 2.0 to enhance housing support for urban poor and if so, the details thereof;
- (b) the additional incentives and benefits proposed under PMAY-U 2.0 to address housing challenges for underprivileged families;
- (c) the  progress  achieved  in  the  first  phase  of  the  said  yojana, particularly  in  Sangli  Lok  Sabha  Constituency  in  delivering
- houses to the urban beneficiaries;
- (d) the  steps  taken/being  taken  by  the  Government  to  ensure timely  delivery  and  quality  of  housing  projects  under  this yojana; and
- (e) the roadmap prepared by the Government to achieve the goal of "Housing for All" under the new phase of the PMAY-U?

## ANSWER

THE MINISTER OF HOUSING AND URBAN AFFAIRS (SHRI MANOHAR LAL)

- (a) to (e): A statement is laid on the Table of the House.

STATEMENT  REFERRED  TO  IN  REPLY  TO  LOK  SABHA  STARRED QUESTION NO. 275 TO BE ANSWERED ON 07-08-2025  REGARDING 'PRADHAN MANTRI AWAS YOJANA - URBAN 2.0'.

(a)&(b)  The  Ministry  of  Housing  and  Urban  Affairs  supplements efforts of States/UTs by providing Central Assistance under Pradhan Mantri Awas Yojana - Urban (PMAY-U) since 25.06.2015 with an aim to provide all weather pucca houses with basic civic amenities to eligible urban beneficiaries across the country.

Based  on  the  learning  from  the  experiences  of  9  years implementation  of  PMAY-U,  MoHUA  has  already  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 through four  verticals  i.e.,  Beneficiary  Led  Construction  (BLC),  Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS). The BLC, AHP and ARH verticals of the scheme are implemented as Centrally Sponsored Scheme (CSS) through  States  and  Union  Territories  (UTs).  The  ISS  vertical  is implemented  as  a  Central  Sector  Scheme  through  Central  Nodal Agencies such as National Housing Bank (NHB), State Bank of India (SBI) and Housing and Urban Development Corporation Ltd. (HUDCO).

As per the scheme guidelines of PMAY-U 2.0, the fund required for  purchase/construction  of  houses  under  the  scheme  is  shared between the Central Government, State/UT Government/ULBs/ Implementing agencies and the beneficiaries. States share has been defined  and  made  mandatory  with  flexibility  to  the  State(s)  to increase  their share  to ensure  affordability of houses  to  the prospective beneficiaries. A fixed amount of Central Assistance is provided by Government of India under different verticals with State share is indicated in the Annexure-I.

As per the scheme guidelines of PMAY-U 2.0, preference under the  scheme  is  given  to  Widows,  single  women,  Persons  with Disabilities,  Senior  Citizens,  Transgenders,  persons  belonging  to Scheduled  Castes/  Scheduled  Tribes,  Minorities  and  other  weaker and vulnerable sections of the society. Special focus will be given to Safai  Karmi, Street  Vendors  identified  under  PM  SVANidhi Scheme  and  different  artisans  under  PM  Vishwakarma  Scheme, Anganwadi  workers, building and other construction workers, residents of slums/chawls and other groups identified during operation of PMAY-U 2.0.

Government  of  India  has  restructured  Credit  Risk  Guarantee Fund  Trust  for  Low-Income  Housing  (CRGFTLIH)  for  Economically Weaker Section (EWS) /Low Income Group (LIG). The scheme aims to  enhance  the  credit  accessibility  and  worthiness  of  eligible households by extending the guarantee on the housing loan taken from Scheduled Commercial Banks, HFCs etc. It also aims to help eligible  beneficiaries  of  PMAY-U  2.0  belonging  to  EWS/LIG  through affordable home loans from financial institutions to complete their homes  on  time,  thereby  directly  contributing  to  the  program's objectives. States/UTs are also expected to facilitate home loan to PMAY-U 2.0 beneficiaries through tripartite agreement.

(c)&(d) The details of houses sanctioned, grounded and completed  as  well  as  central  assistance  sanctioned  and  released for  the  State  of  Maharashtra  and  along  with  Sangli  parliament constituency, Maharashtra under PMAY-U is at Annexure-II.

The  timeline  for  completion  of  houses/projects  varies  from State  to  State  and  it  generally  takes  12-36  months  in  different verticals of the scheme and as per Detailed Project Reports (DPRs) of respective projects. The completion timeline for houses depends on  various  factors  including  availability  of  encumbrance  free  land, statutory  compliances  for  start  of  construction,  arrangement  of funds  by  beneficiaries  etc.  The  Ministry  conducts  regular  reviews with  the  States/UTs  to  monitor  progress  of  implementation  of  the scheme  and  expedite  completion  of  sanctioned  houses  within  the stipulated timeline.

- (e) PMAY-U 2.0 is demand driven scheme and there are no fixed State wise targets. States/UTs assess the requirement through their Urban Local Bodies (ULBs)/Implementing Agencies in their respective jurisdictions, select the beneficiaries based on eligibility criteria  and  implement  housing  projects.  Based  on  the  demand survey  and  selection  of  beneficiaries,  the  project  proposals  are

prepared and approved by the State Level Sanctioning and Monitoring  Committee  (SLSMC)  headed  by  the  Chief  Secretary  of States/UTs for further consideration of release of Central Assistance by Central Sanctioning and Monitoring Committee (CSMC). Prospective beneficiaries can apply on unified web-portal available at https://pmay-urban.gov.in.

******

Annexure-I referred in reply to LS SQ No.275 due for 07-08-2025 Details of amount of Central Assistance is provided by Govt. of India under different verticals and mandatory State share

| S.   | States/UTs                                                                                                                                                                                                                      | PMAY-U 2.0 Verticals                                                       | PMAY-U 2.0 Verticals                                                                    | PMAY-U 2.0 Verticals                                                                                           |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------|-----------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|
| No.  |                                                                                                                                                                                                                                 | BLC & AHP                                                                  | ARH                                                                                     | ISS                                                                                                            |
| 1.   | North-Eastern States, Himalayan States and UTs with legislature (Assam, Arunachal Pradesh, Meghalaya, Manipur, Mizoram, Nagaland, Tripura, Sikkim, Himachal Pradesh, Uttarakhand, UTs of Jammu and Kashmir, Puducherry & Delhi) | Central Govt. - ₹2.25 lakh per unit State Govt. - Min. ₹0.25 lakh per unit | Technology Innovation Grant GoI: ₹3,000/Sqm. per unit State Share: ₹2,000/Sqm. per unit | Home Loan Subsidy - up to ₹1.80 lakh (Actual Release) per unit by Government of India as Central Sector Scheme |
| 2.   | All UTs without legislature                                                                                                                                                                                                     | Central Govt. - ₹2.50 lakh per unit                                        | Technology Innovation Grant GoI: ₹3,000/Sqm. per unit State Share: ₹2,000/Sqm. per unit | Home Loan Subsidy - up to ₹1.80 lakh (Actual Release) per unit by Government of India as Central Sector Scheme |
| 3.   | All other States                                                                                                                                                                                                                | Central Govt. - ₹1.50 lakh per unit State Govt. - Min. ₹1.00 lakh per unit | Technology Innovation Grant GoI: ₹3,000/Sqm. per unit State Share: ₹2,000/Sqm. per unit | Home Loan Subsidy - up to ₹1.80 lakh (Actual Release) per unit by Government of India as Central Sector Scheme |

## Annexure-II referred in reply to LS SQ No.275 due for 07-08-2025

Details of houses sanctioned, grounded and completed as well as central assistance  sanctioned  and  released  for  the  State  of  Maharashtra  and along with Sangli parliament constituency, Maharashtra under PMAY-U

|   Sr. No. | Particulars                              | Maharashtra   | Sangli Parliament Constituency   |
|-----------|------------------------------------------|---------------|----------------------------------|
|         1 | Houses Sanctioned (Nos)                  | 12,49,047     | 8,960                            |
|         2 | Houses Grounded for Construction (Nos)   | 11,49,437     | 8,716                            |
|         3 | Constructions of Houses Completed (Nos)  | 9,93,361      | 7,970                            |
|         4 | Central Assistance Sanctioned (₹ in Cr.) | 23,815.27     | 178.92                           |
|         5 | Central Assistance Released (₹ in Cr.)   | 19,636.93     | 160.67                           |