Lok Sabha Question No. 2686 (UNSTARRED), answered on 2025-08-05
Subject: Financial Settlement under PMGSY
Ministry: RURAL DEVELOPMENT
Asked by: Shri B Y Raghavendra

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA UNSTARRED QUESTION NO. 2686 ANSWERED ON 05/08/2025

## FINANCIAL SETTLEMENT UNDER PMGSY

## 2686. Shri B Y Raghavendra:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) whether  the  Government  is  aware  that  a  number  of  houses sanctioned under the Pradhan MantriAwaasYojana - Grameen remain  incomplete  due  to  cessation  of  financial  assistance beyond the stipulated completion timeline;
- (b) whether the Government is cognisant of the fact that beneficiaries  belonging  to  economically  weaker  sections  in rural  areas  often  face  delays  in  construction  due  to  financial constraints and limited access to resources;
- (c) whether  the  Government  proposes  to  consider  a  one-time financial settlement or special dispensation to enable completion of such partially constructed houses;
- (d)
- if so, the details thereof; and
- (e) whether the Government has undertaken any review or assessment to identify the number of such incomplete houses and the quantum of funds required for their completion?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (DR. CHANDRA SEKHAR PEMMASANI)

(a)& (b): In  order  to  achieve  the  objective  of  'Housing  for  All'  in rural  areas,  the  Ministry  of  Rural  Development  is  implementing Pradhan MantriAwaasYojana- Gramin (PMAY-G) with effect from 1st April  2016  to  provide  assistance  to  eligible  rural  households  with basic  amenities.  A  total  target  of  2.95  crore  houses  have  already been  allotted  to  States/UTs  by  March  2024  which  was  the  set timeline  approved  by  the  Cabinet.  To  address  the  arising  housing needs  in  rural  areas, the  Union  Cabinet  in  its  meeting  dated 09.08.2024 approved 2 crore additional houses under PMAY-G to be

constructed during FY 2024-25 to 2028-29. The beneficiaries under PMAY-G are identified based on the housing deprivation parameters under  Socio-Economic  Caste  Census  (SECC)  2011  database  and finalized Awaas+ 2018 survey list.

As  on  31.07.2025,  out  of  the  cumulative  target  of  4.95  crore houses, 4.12 crore houses have been allotted to the States/UTs out of  which  3.84  crore  houses  have  been  sanctioned  and  more  than

2.81 crore houses have been completed.

Under  PMAY-G,  the  Ministry  releases  Central  Share  of  funds directly to States/UTs considering them as a single unit based upon their Annual Financial Allocation which is decided for each State/UT on the basis of previous year's performances  - houses pending for completion and utilization of available funds & targets allocated in the current year.

Further disbursal of funds as installments of assistance to the beneficiaries is  done  by  the  States/UTs.  The  assistance  under  the scheme  is  provided  to  the  beneficiaries  directly  into  their  bank account/  post  office  account  through  Aadhaar  Based  Payment linked

System/Direct Benefit Transfer (DBT) in construction installments by the States/UTs.

The  following  steps  are  being  taken  to  provide  construction materials to the beneficiaries under PMAY-G:-

- i. States have advised to orient beneficiaries to procure the BIScertified (ISI marked) construction material.
- ii. States/ UTs have also been asked to take necessary steps to ensure the sustained availability of good quality construction materials.
- iii. The  State/UT  may  tap  into  CSR  funding  /  assistance  and funding from bilateral/multilateral agencies to promote environment friendly green construction designs, technologies and materials.
- iv. The Gram Panchayats may facilitate beneficiaries in accessing  materials  required  for  construction  at  reasonable rates and help in identification of trained masons
- v. Further,  Self-Help  Groups  (SHG)  can  undertake  production  of quality building materials  for  supplying  the  same  to  the beneficiaries of PMAY-G at reasonable rates.

- vi. PMAY-G converges with other government schemes to provide additional support for house construction, including assistance for toilet construction and employment opportunities, etc..
- vii. The beneficiaries are being assisted in house construction by States/UTs with a bouquet of house design typologies inclusive of disaster resilient features that are suitable to their local geo-climatic conditions, cultural preferences and availability of construction material.
3. (c) & (d): At  present,  no  such  proposal  is  under  consideration  in the Ministry.
4. (e): The PMAY-G is monitored very closely at all levels. There is a special emphasis on quality and timely completion of construction.The  Ministry  is  taking  various  steps  to  increase  the pace  of  house  sanction  &  completion  and  achievement  of  the targets under the scheme. Some of which are as under:
5. i.
6. Timely allocation of targets to the States/UTs
- ii. Launch  of  PMAY-G  analytic  Dashboard  for  monitoring  and supervision of the scheme.
- iii. Micro  monitoring  of  house  sanction  and  completion  using latest IT tools and technologies.
9. Regular  review  by  Hon'ble  Minister,  Secretary  and  Deputy
- iv. Director General
11. v.
12. Focus  on  completion  of  those  houses  where  3rd  or  2nd installment of funds has been released
13. vi.
14. Separate review of States with high targets
- vii. Timely release of funds as per requirements of States/UTs
- viii. Continuous  follow-up  with  States  /  UTs  on  providing  land  to
17. landless beneficiaries of PMAY-G.

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