Lok Sabha Question No. 496 (UNSTARRED), answered on 2025-02-06
Subject: Assistance for PMAY-U Beneficiaries
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Amrinder Singh Raja Warring

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 496 TO BE ANSWERED ON FEBRUARY 06, 2025

## ASSISTANCE FOR PMAY-U BENEFICIARIES

Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to

- NO. 496.    SHRI AMRINDER SINGH RAJA WARRING: state:
- (a) the  steps  taken  to  assist  Pradhan  Mantri  Awas  Yojana  -  Urban (PMAY-U)  beneficiaries, who  are  unable  to pay  their share, including support from State Governments and Urban Local Bodies (ULBs);
- (b) whether  the  Government  is  aware  of  the  difficulties  faced  in securing  housing  loans  for  beneficiaries  without  documented
- income; and
- (c) if so, the details of the measures taken to tackle these challenges and if not, the reasons therefor?

## ANSWER

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## THE MINISTER OF STATE IN THE (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,  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  with  an  aim  to  provide  all weather pucca houses with basic civic amenities to eligible urban beneficiaries across the country.

Government  of  India  is  sanctioning  the  proposals  based  on  the Detailed  Project  Reports  (DPRs)  along  with  project  cost  prepared by the implementing agencies of States/UTs.

Government of India provides its fixed share as Central Assistance of ₹1.0 lakh under In -Situ Slum Redevelopment (ISSR), ₹1.5 lakh for Affordable Housing  in Partnership (AHP) and  Beneficiary Led Individual Construction or Enhancement (BLC) verticals of PMAY-U. The  remaining  cost  of the house  as  per DPR  is  shared  by States/UTs/Urban  Local  Bodies  (ULBs)/Beneficiaries.  As  per  the scheme guidelines, State/UT share in implementation of PMAY-U is not mandatory. However, States/UTs are advised to keep a provision  of  their  share  at  the  stage  of  preparation  of  DPRs  to reduce  the  financial  burden  on  the  urban  poor  which  varies  from State to State and project to project. States/UTs also help beneficiaries  in  arranging  their  share  through  facilitating  loans from Banks/Housing Finance Companies (HFCs).

Learning  from  the  experiences  of  PMAY-U,  MoHUA  has  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  eligible  beneficiaries  at  affordable cost through four verticals i.e., Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS).

As  per  scheme  guidelines,  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.

States/UTs are advised to facilitate low-cost credit facility to  the beneficiaries  by  signing  the  Tripartite  Agreement  between  banks, beneficiaries and States.

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.

*****