Lok Sabha Question No. 886 (UNSTARRED), answered on 2025-07-24
Subject: Progress under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dr. Prashant Yadaorao Padole

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## STARRED QUESTION NO. 886

## TO BE ANSWERED ON JULY 24, 2025

## PROGRESS UNDER PMAY-U

## NO. 886.    DR. PRASHANT YADAORAO PADOLE:

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

- (a) the details of the progress made in achieving the housing construction targets under the Pradhan Mantri Awas Yojana - Urban (PMAY-U);
- (b)
- the reasons for the significant 34.4% budget cut under the yojana;
- (c) the  number  of  housing  units  completed  and  handed  over  to  the
- beneficiaries, State-wise;
- (d) the status of fund utilisation under the yojana during the last five years, State-wise; and
- (e) the  steps  taken  by  the  Government  to  make  urban  housing  projects affordable and sustainable?

## ANSWER

## THE MINISTER OF STATE IN THE

## MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI TOKHAN SAHU)

- (a) to (e): Ministry of  Housing  and  Urban  Affairs  (MoHUA)  has  been implementing  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 all eligible urban beneficiaries across the country. The scheme  period  has  been  extended  up  to  31.12.2025  to  complete sanctioned houses without changing the funding pattern and implementation methodology. Based on the learnings from the experiences  of  implementation  of  PMAY-U,  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 construct,  purchase  and  rent  a  house  by  1  crore  additional  eligible beneficiaries  at  affordable  cost  in  next  five  years.  PMAY-U  2.0  is implemented  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 (HUDCO).

PMAY-U adopts a demand driven approach and there is no fixed target. States/Union  Territories  (UTs)  assess  the  requirement  through  their Urban  Local  Bodies  (ULBs)/Implementing  Agencies  in  their  respective jurisdictions. 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).

Based  on  the  project  proposal  submitted  by  States/UTs,  a  total  of 119.25  lakh  houses  including  7.09  lakh  under  PMAY-U  2.0  have  been sanctioned under PMAY-U by the Ministry, so far. Out of which 112.81 lakh houses have been grounded and 93.60 lakh are completed/delivered  to  the  beneficiaries  across  the  country  as  on 14.07.2025.  The  State-wise  details  of  number  of  houses  sanctioned, grounded,  completed  and  occupied  along  with  Central  Assistance released  and  utilized  under  the  scheme  since  inception  as  well  as Central Assistance utilized in last year 5 years are at Annexure.

As  per  the  Scheme  Guidelines  of  PMAY-U,  Central  Assistance  is released to the States/UTs in three instalments of 40%, 40% and 20% for construction of houses  on  the basis of  various  compliances submitted  by  them.  Budget  allocation  for  a  financial  year  is  kept considering  the  anticipated  requirement  under  the  scheme  during  the year  and  utilized  according  to  the  claims  received  from  States/UTs. Based  on  the  claims  received  and  curtailment/cancellation  proposals submitted  by  States/UTs,  the  Budgetary  Estimates  (BE)  and  Revised Estimates (RE) are decided. The Ministry conducts regular review with the  States/UTs on progress of the scheme including timely release of Central Assistance and its utilization along with ensuring completion of all  the  sanctioned  houses  within  extended  scheme  period  i.e.  upto 31.12.2025.

In  order  to  enhance  the  affordability  of  the  houses,  State/UT  share  is mandatory under PMAY-U 2.0. Apart from the minimum State/UT share, the State/UT Governments may also provide additional top-up share to increase affordability.

Further,  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.  In  addition,  special Home  Loan  Products are developed by Department of Financial Services  (DFS)  with  Banks  to  help  Beneficiaries  of  informal  sectors. States/UTs  are  also  expected  to  facilitate  home  loan  to  PMAY-U  2.0 beneficiaries through tripartite agreement.

Under PMAY-U 2.0, a Technology & Innovation Sub-Mission (TISM) has been established to support innovative design and construction practices for  sustainable  housing  in  the  country.  TISM  promotes adoption of layout designs and building plans suitable for various geoclimatic zones through coordination with various regulatory and administrative bodies for mainstreaming and up scaling the deployment of modern construction technologies and material in place of conventional construction materials practices. Projects under the scheme promotes use of resource efficient, climate responsive, disaster resilient, eco-friendly and sustainable building materials, technologies  and  processes.  The  project  also  adopts  green  building norms  in  line  with  prevailing  standards  and  specifications  including sustainable construction practices to provide thermal comfort, reduce energy use and environmental impact.

*****

State/UT wise details of houses sanctioned, grounded, completed and occupied along with central assistance sanctioned & released since inception and utilised during last five years under PMAY-U & PMAY-U 2.0

|                             | State/ UT                   | Details of Houses since inception (Nos)   | Details of Houses since inception (Nos)   | Details of Houses since inception (Nos)   | Details of Houses since inception (Nos)   | Central Assistance (₹ in Crore)   | Central Assistance (₹ in Crore)   | Central Assistance (₹ in Crore)   |
|-----------------------------|-----------------------------|-------------------------------------------|-------------------------------------------|-------------------------------------------|-------------------------------------------|-----------------------------------|-----------------------------------|-----------------------------------|
| Sr. No.                     | State/ UT                   | Sanctioned                                | Grounded                                  | Completed                                 | Occupied                                  | Since inception Sanctioned        | Released                          | Utilised during last Five years   |
| 1                           | Andhra Pradesh              | 19,47,297                                 | 18,26,698                                 | 10,78,686                                 | 9,89,302                                  | 29,722.30                         | 23,800.26                         | 16,542.76                         |
| 2                           | Bihar                       | 4,45,212                                  | 2,96,469                                  | 1,89,863                                  | 1,89,805                                  | 6,911.48                          | 4,651.45                          | 2,426.55                          |
| 3                           | Chhattisgarh                | 2,99,922                                  | 2,85,392                                  | 2,57,171                                  | 2,43,419                                  | 4,769.86                          | 4,316.60                          | 2,995.56                          |
| 4                           | Goa                         | 3,146                                     | 3,146                                     | 3,145                                     | 3,145                                     | 74.76                             | 75.04                             | 53.85                             |
| 5                           | Gujarat                     | 9,93,877                                  | 9,72,208                                  | 9,41,419                                  | 9,02,584                                  | 20,943.34                         | 19,766.86                         | 12,712.89                         |
| 6                           | Haryana                     | 1,30,290                                  | 90,636                                    | 70,522                                    | 70,506                                    | 2,400.48                          | 1,723.50                          | 990.42                            |
| 7                           | Himachal Pradesh            | 12,640                                    | 12,640                                    | 11,381                                    | 11,363                                    | 214.18                            | 214.66                            | 133.64                            |
| 8                           | Jharkhand                   | 2,43,421                                  | 2,10,640                                  | 1,59,751                                  | 1,56,291                                  | 3,817.28                          | 3,215.57                          | 1,698.65                          |
| 9                           | Karnataka                   | 5,84,086                                  | 5,08,586                                  | 3,94,054                                  | 3,53,692                                  | 9,803.91                          | 7,379.49                          | 4,287.89                          |
| 10                          | Kerala                      | 1,61,957                                  | 1,55,162                                  | 1,34,127                                  | 1,34,026                                  | 2,700.71                          | 2,499.36                          | 1,351.73                          |
| 11                          | States Madhya Pradesh       | 9,66,133                                  | 9,45,487                                  | 8,68,097                                  | 8,55,011                                  | 16,005.24                         | 15,555.00                         | 9,745.06                          |
| 12                          | Maharashtra                 | 12,49,047                                 | 11,49,437                                 | 9,93,361                                  | 9,18,102                                  | 23,815.27                         | 19,636.93                         | 12,635.16                         |
| 13                          | Odisha                      | 2,15,339                                  | 1,85,963                                  | 1,64,880                                  | 1,59,534                                  | 3,356.36                          | 2,611.01                          | 1,531.78                          |
| 14                          | Punjab                      | 1,33,270                                  | 1,18,475                                  | 97,920                                    | 97,618                                    | 2,361.36                          | 2,092.15                          | 1,471.66                          |
| 15                          | Rajasthan                   | 3,33,815                                  | 2,94,639                                  | 2,34,698                                  | 2,29,363                                  | 6,101.06                          | 5,420.34                          | 3,449.15                          |
| 16                          | Tamil Nadu                  | 6,70,425                                  | 6,69,514                                  | 6,07,051                                  | 5,58,877                                  | 11,036.47                         | 10,426.37                         | 6,426.80                          |
| 17                          | Telangana                   | 3,61,755                                  | 2,35,023                                  | 2,23,627                                  | 1,80,755                                  | 6,150.73                          | 3,906.96                          | 1,732.46                          |
| 18                          | Uttar Pradesh               | 19,75,035                                 | 17,59,770                                 | 17,02,317                                 | 16,68,382                                 | 30,935.86                         | 27,933.95                         | 19,587.88                         |
| 19                          | Uttarakhand                 | 63,605                                    | 62,793                                    | 42,966                                    | 39,360                                    | 1,164.78                          | 1,057.80                          | 645.86                            |
| 20                          | West Bengal                 | 6,15,105                                  | 6,05,971                                  | 4,65,561                                  | 4,64,881                                  | 9,965.78                          | 8,907.91                          | 4,516.77                          |
| Sub- total (States) :-      | Sub- total (States) :-      | 1,14,05,377                               | 1,03,88,649                               | 86,40,597                                 | 82,26,016                                 | 1,92,251.21                       | 1,65,191.23                       | 1,04,936.53                       |
| 21                          | Arunachal                   | 13,379                                    | 8,739                                     | 8,068                                     | 6,852                                     | 295.41                            | 174.66                            | 82.99                             |
| 22                          | Pradesh Assam               | 1,84,991                                  | 1,69,101                                  | 1,30,425                                  | 1,30,425                                  | 2,914.93                          | 2,345.51                          | 1,780.78                          |
| 23                          | States Manipur              | 52,519                                    | 49,593                                    | 18,397                                    | 18,397                                    | 788.62                            | 525.63                            | 361.73                            |
| 24                          | Meghalaya                   | 4,758                                     | 4,083                                     | 1,995                                     | 1,995                                     | 72.35                             | 63.23                             | 26.42                             |
| 25                          | East Mizoram                | 39,150                                    | 39,101                                    | 26,596                                    | 26,596                                    | 600.98                            | 502.41                            | 357.22                            |
| 26                          | North Nagaland              | 31,067                                    | 31,060                                    | 29,029                                    | 28,997                                    | 492.01                            | 418.37                            | 251.86                            |
| 27                          | Sikkim                      | 299                                       | 299                                       | 219                                       | 219                                       | 5.88                              | 7.09                              | 3.68                              |
| 28                          | Tripura                     | 90,989                                    | 88,416                                    | 78,061                                    | 78,061                                    | 1,466.38                          | 1,342.02                          | 641.62                            |
| Sub- total (N.E. States) :- | Sub- total (N.E. States) :- | 4,17,152                                  | 3,90,392                                  | 2,92,790                                  | 2,91,542                                  | 6,636.56                          | 5,378.92                          | 3,506.31                          |
| 29                          | A&N Island                  | 376                                       | 376                                       | 80                                        | 47                                        | 5.84                              | 2.93                              | 2.83                              |
| 30                          | Chandigarh                  | 1,256                                     | 1,256                                     | 1,256                                     | 1,256                                     | 28.78                             | 28.78                             | 15.80                             |
| 31                          | Territories DNH & DD        | 9,947                                     | 9,947                                     | 9,450                                     | 9,113                                     | 214.40                            | 204.56                            | 125.53                            |
| 32                          | Delhi                       | 29,976                                    | 29,976                                    | 29,976                                    | 29,976                                    | 692.53                            | 692.53                            | 257.51                            |
| 33                          | J&K                         | 43,856                                    | 42,159                                    | 32,091                                    | 32,091                                    | 686.72                            | 523.48                            | 317.25                            |
| 34                          | Union Ladakh                | 1,283                                     | 991                                       | 882                                       | 882                                       | 29.86                             | 25.23                             | 12.44                             |
| 35                          | Lakshadweep                 | -                                         | -                                         | -                                         | -                                         | -                                 | -                                 | -                                 |
| 36                          | Puducherry                  | 16,442                                    | 16,050                                    | 11,377                                    | 11,377                                    | 264.18                            | 236.69                            | 143.11                            |
| Sub- total (UT) :-          | Sub- total (UT) :-          | 1,03,136                                  | 1,00,755                                  | 85,112                                    | 84,742                                    | 1,922.32                          | 1,714.21                          | 874.47                            |
| Grand - total :-            | Grand - total :-            | 119.26 Lakh                               | 112.81 Lakh*                              | 93.61 Lakh*                               | 90.92 Lakh*                               | 2.01 Lakh Cr.                     | 1.72 Lakh Cr.                     | 1.09 Lakh Cr.                     |

* Includes completed (3.41 lakh)/ occupied (4.90 lakh) & grounded (4.01 lakh) houses of JnNURM during mission period.