Lok Sabha Question No. 2321 (UNSTARRED), answered on 2025-03-13
Subject: Funding Structure of the Projects under PMAY-U in Maharashtra
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dr. Prashant Yadaorao Padole

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## GOVERNMENT OF INDIA LOK SABHA

## UNSTARRED QUESTION NO. 2321 TO BE ANSWERED ON MARCH 13, 2025

## FUNDING STRUCTURE OF THE PROJECTS UNDER PMAY-U IN MAHARASHTRA

## NO.2321.   DR. PRASHANT YADAORAO PADOLE:

Will the Minister of Housing and Urban Affairs be pleased to state:

- (a) the details of the funding structure of the projects undertaken under the PMAY-U in Maharashtra during the last five years;
- (b) whether  the  Union  Government  is  aware  of the fact that its contribution  to  the  PMAY-U  has  not  been  increasing  since  2016, particularly in Maharashtra and if so, the details thereof along with the reasons therefor; and
- (c) whether the Government proposes to increase its contribution, if so, the details thereof and if not, the reasons therefor?

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

(a) to (c) 'Land' and 'Colonization' are State subjects. Therefore, schemes related  to  housing  for  their  citizens  are  implemented  by  States/Union Territories  (UTs).  However,  the  Ministry  of  Housing  and  Urban  Affairs (MoHUA)  supplements  the  efforts  of  States/UTs,  by  providing  Central Assistance  under  Pradhan  Mantri  Awas  Yojana-  Urban  (PMAY-U)  since 25.06.2015 to provide pucca houses with basic civic amenities to eligible urban beneficiaries across the country including in the State of Maharashtra.

Houses under PMAY-U are being constructed using Central Assistance, State share as well as beneficiary contribution. Government of India  provided fixed  Central  Assistance  of₹1.5  lakh  under  AHP  and  BLC verticals  of  PMAY-U.  The  remaining  cost  of  the  house,  as  per  Detailed Project Report (DPR), is shared by States/UTs/Urban Local Bodies (ULB)/Beneficiaries. However, States/UTs are free to contribute their share in a such way to make the houses affordable. The scheme period, which was earlier upto 31.03.2022, has further been extended upto 31.12.2025 to complete the sanctioned houses without changing the funding pattern and implementation methodology.

Based  on  9  years  of  experience  and  learning  from  implementing PMAY-U,  MoHUA  has  revamped  the  scheme  and  launched  PMAY-U  2.0 'Housing  for  All'  Mission  with  effect  from  01.09.2024  to  assist  1  crore additional eligible urban beneficiaries through four verticals i.e., Beneficiary  Led  Construction  (BLC),  Affordable  Housing  in  Partnership (AHP),  Affordable  Rental  Housing  (ARH)  and  Interest  Subsidy  Scheme (ISS). BLC, AHP and ARH  verticals are implemented as Centrally Sponsored Scheme by State/UT Governments, and ISS vertical is implemented  as  Central  Sector  Scheme  through  the  identified  Central Nodal Agencies such as National Housing Bank (NHB), State Bank of India (SBI) & Housing and Urban Development Corporation (HUDCO) by Housing Finance Companies and Primary Lending Institutions. 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/UTs are free to increase State share to increase the affordability of houses.

A fixed amount of Central Assistance is provided by Government of India  under  different  verticals  and  mandatory  State  share  has  been provisioned under the scheme as under:

| 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                                        |                                                                                         |                                                                                                                |
| 3.   | All other States                                                                                                                                                                                                                | Central Govt. - ₹1.50 lakh per unit State Govt. - Min. ₹1.00 lakh per unit |                                                                                         |                                                                                                                |

*****