Lok Sabha Question No. 2371 (UNSTARRED), answered on 2025-03-13
Subject: Revival of PMAY-U for the Intended Beneficiaries
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Adv. Chandra Shekhar

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## GOVERNMENT OF INDIA LOK SABHA

## UNSTARRED QUESTION NO. 2371

TO BE ANSWERED ON MARCH 13, 2025

## REVIVAL OF PMAY-U FOR THE INTENDED BENEFICIARIES

NO. 2371.     ADV. CHANDRA SEKHAR:

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

the  measures  taken/being  taken  by  the  Government  to  revive  the  Pradhan Mantri  Awas  Yojana  -  Urban  (PMAY-U)  by  making  it  truly  accessible  to  its intended beneficiaries keeping in view the recent decline in the demand for affordable housing under the said yojana?

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

'Land'  and  'Colonisation'  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 June 25, 2015 to provide pucca house in urban areas across the country.

Based  on  the  learning  from  the  experiences  of  9  years  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 for 1 crore additional 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).

States/Union Territories (UTs)/Urban Local Bodies (ULBs) have been asked to undertake  assessment  of  housing  demand  under  different  verticals  through suitable means for assessing the actual demand of housing on the Unified Web Portal  of  PMAY-U  2.0.  The  beneficiaries  can  also  register  themselves  for housing demand with all the details on the portal. The scheme guidelines and Unified  Web  Portal  for  submitting  the  online  applications  can  be  accessed through https://pmay-urban.gov.in. Moreover, in-principle approval of more than 6.75  lakh  houses  have  been  provided  to  30  States/UTs  which  have  signed Memorandum  of  Agreement  (MoA)  to  implement  PMAY-U  2.0  for  eligible beneficiaries.

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.

In  order  to  promote  innovative  construction  technology,  a  Technology  & Innovation  Sub-Mission  (TISM)  has  been  established  under  PMAY-U  2.0  to support  innovative  design  and  construction  practices  and  projects.  TISM facilitates  preparation  and  adoption  of  layout  designs  and  building  plans suitable for various geo-climatic zones for mainstreaming and up-scaling the deployment  of  modern  construction  technologies  and  material  in  place  of conventional construction materials practices.

States/UTs are required to formulate 'Affordable Housing Policy' incorporating various reforms and incentives to Public/Private agencies on time bound basis to develop affordable housing ecosystem as envisaged in scheme guidelines of PMAY-U 2.0.

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, Home  Loan  Products  are  developed  with  Department  of  Financial  Services (DFS) and Banks/HFCs to help Beneficiaries of informal sectors.

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