Lok Sabha Question No. 1808 (UNSTARRED), answered on 2024-12-05
Subject: Implementation of PMAY-U 2.0
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Manickam Tagore B, Shri Vijayakumar Alias Vijay Vasanth

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 1808 TO BE ANSWERED ON DECEMBER 05, 2024

## IMPLEMENTATION OF PMAY-U 2.0

NO. 1808.    SHRI MANICKAM TAGORE B:

SHRI VIJAYAKUMAR ALIAS VIJAY VASANTH:

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

- (a) the  details  on  the  progress  of  PMAY-U  2.0  implementation  across  the country, State/UT-wise;
- (b) the manner in which the Government ensures transparency and fairness in selecting beneficiaries for the Interest Subsidy Scheme (ISS) vertical;
- (c) the total budget allocation for PMAY-U 2.0 along with the distribution of funds under different verticals;
- (d) the  details  of  the  measures  taken/being  taken  by  the  Government  to address  the  shortage  of  affordable  housing  options  in  urban  areas, particularly for Economically Weaker Section/Low Income Group/MiddleIncome Group families;
- (e) the details of the criteria fixed for availing 1.80 lakh subsidy under the ISS vertical;
- (f) the manner in which the Government ensures that the unified web portal is user-friendly and accessible to all stakeholders, particularly to those with limited digital literacy; and
- (g) the role of private sector institutions in implementing PMAY-U 2.0 along with the manner in which partnerships be fostered?

## ANSWER

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## THE MINISTER OF STATE IN THE (SHRI TOKHAN SAHU)

- (a) to (d): Ministry of Housing  and  Urban  Affairs  (MoHUA)  has  been implementing Pradhan Mantri Awas Yojana - Urban (PMAY-U) since June 25,  2015  to  provide  pucca  house  in  urban  areas  across  the  country  by providing  Central  Assistance  to  eligible  beneficiaries  of  Economically Weaker  Section  (EWS),  Low  Income  Group  (LIG)  and  Middle  Income Group  (MIG)  categories.  Based  on  the  project  proposals  received  from the  States/Union  Territories  (UTs),  a  total  of  118.64  lakh  houses  have been  sanctioned  by  the  Ministry,  out  of  which  114.22  lakh  have  been grounded  and  more  than  88.22  lakh  are  completed/delivered  to  the beneficiaries as on 25.11.2024.

Learning from the experiences of PMAY-U, MoHUA has launched PMAY-U 2.0  'Housing  for  All'  Mission  with  effect  from  01.09.2024  to  provide Central  Assistance  to  one  crore  additional  households  of  EWS/LIG/MIG categories to construct, purchase and rent a house at affordable cost in urban  areas  across  the  country  through  four  verticals  i.e.,  Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS). As on date, 29 States/UTs have signed Memorandum of Agreement (MoA) to implement PMAY-U 2.0 as per scheme guidelines. The scheme guidelines are available at https://pmay-urban.gov.in/uploads/guidelines/OperationalGuidelines-of-PMAY-U-2.pdf.  The  total investment  is ₹10  lakh  crore including  Government  Subsidy  of  ₹2.30  lakh  crore  and  there  is  no vertical-wise allocation under the scheme.

Under the scheme, the EWS households are defined as households with an annual income of up to ₹3 lakh. LIG is defined as households with an annual income from ₹3 lakh up to ₹6 lakh. MIG is defined as households with an annual income from ₹6 lakh up to ₹9 lakh. Under PMAY-U 2.0, the identification  of  the  beneficiaries  is  done  by  the  respective  State/UT Governments based on eligibility criteria defined in the scheme guidelines.  States/  UTs/Urban  Local  Bodies  (ULBs)  are  undertaking assessment of housing demand under different verticals through suitable means for assessing the  actual  demand  of  housing  on  the  unified  web portal  which  ensures  transparency  and  fairness  in  the  whole  process. The beneficiaries can also register themselves for housing demand with all  details  on  the  portal.  States/UTs/ULBs  validate  the  beneficiaries  as per  the  eligibility  criteria  of  the  scheme  guidelines.  The  unified  web portal  for  submitting  online  application  under  PMAY-U  2.0  may  be accessed at https://pmaymis.gov.in/PMAYMIS2\_2024/PmayDefault.aspx.

Further, under ISS vertical of PMAY-U 2.0, the subsidy on home loan is provided to the beneficiaries through Primary Lending Institutions (PLIs) after  all  necessary  due  diligence  as  per  the  eligibility  criteria  of  the scheme.  The  details  of  eligible  beneficiaries  are  sent  to  the  Central Nodal Agencies (CNAs) for further validation. Such multi-layer validation of  the  beneficiaries  ensures  transparency  and  fairness  in  selection  of beneficiaries. Further, for implementation of ISS vertical, Memorandum of Understanding (MoU) has been signed with National Housing Bank (NHB), State Bank of India (SBI) and Housing and Urban Development Corporation Limited (HUDCO) as CNAs.

- (e): As per the scheme guidelines, under ISS vertical, a maximum release of interest subsidy of ₹1.80 lakh is provided to eligible beneficiaries having income up to ₹9 lakh. Home loan value up to ₹25 lakh for property value up to ₹35 lakh with carpet area up to 120 sqm. are eligible for a subsidy at  4.0%  on  first  ₹8  lakh  for  a  tenure  up  to  12  years.  The  subsidy  is released in 5 yearly instalments in loan accounts of beneficiary provided loan  is  active  at  the  time  of  release  of  subsidy  and  more  than  50%
- principal is outstanding.
- (f):  A  robust  and  unified  web  portal  have  been  developed  to  monitor  the scheme. This web portal is user friendly and accessible to all stakeholders and has the facility for the beneficiaries to apply online and track their application status on real-time basis. States/UTs, implementing agencies, beneficiaries and all concerned stakeholders will have  accessibility  to  upload  all  requisite  information.  A  mobile-friendly interface  is  also  developed  with  offline  functionality  and  multi-lingual support with enhanced accessibility and inclusivity.  The feedback from the stakeholders is taken to improve usability of web-portal.
- (g):  As  per  the  scheme  guidelines  of  PMAY-U  2.0,  Public/Private  sector agencies  are  encouraged  to  construct  houses  for  EWS  beneficiaries under  AHP  vertical.  Public/Private  agencies  are  also  encouraged  to construct,  operate  and  maintain  rental  housing  projects  under  ARH vertical of PMAY-U 2.0. States/UTs have to formulate 'Affordable Housing Policy'  to  provide  various  reforms  and  incentives  to  Public/Private agencies on time bound basis to develop affordable housing ecosystem. PMAY-U 2.0 supports States/UTs to formulate 'Affordable Housing Policy'.

*****