Lok Sabha Question No. 3191 (UNSTARRED), answered on 2025-12-18
Subject: Affordable Housing Partnership
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Smt. June Maliah

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## UNSTARRED QUESTION NO. 3191 TO BE ANSWERED ON DECEMBER 18, 2025

## AFFORDABLE HOUSING PARTNERSHIP

NO. 3191.

SMT. JUNE MALIAH:

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

- (a)  whether  the  Government intends to increase the Central assistance per dwelling  unit  under  Affordable  Housing  in  Partnership  (AHP)  vertical  in response to increased construction cost, if so, the details thereof and if not, the reasons therefor;
- (b)  whether  the  Government  is  not  increasing  the  Central  assistance  only because it would take more time and if so, the details thereof; and
- (c) whether the Government has conducted any survey on increased cost of construction,  if  so,  the  details  thereof  along  with  its  impact  on  urban landless, Economically Weaker Section (EWS) households 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):  Ministry  of  Housing  and  Urban  Affairs  (MoHUA)  has  been implementing 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.  The implementation  period  of  PMAY-U  scheme,  which  was  earlier  up  to 31.03.2022, has been extended up to 31.12.2025 to complete sanctioned houses without changing the funding pattern and implementation methodology.

Based on the learnings from the experiences of implementation of PMAYU, 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 to construct, purchase and rent a house by 1 crore  additional  eligible  beneficiaries  at  affordable  cost  in  next  five years. PMAY-U 2.0 is implemented through four verticals i.e., Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS).

AHP vertical of PMAY-U 2.0 is implemented through two models:

Model-1: Construction of houses by Public Sector agencies and parastatals.

Model-2:  Private  sector  AHP  projects-  Ownership  of  house  by  purchase from whitelisted private sector projects through Housing Voucher.

As  per  PMAY-U  2.0  guidelines,  States/UTs  are  required  to  formulate 'Affordable  Housing  Policy'  and  adopt  key  reforms  to  attract  private investment  and  create  an  enabling  eco-system  for  augmenting  the affordable housing stock in the country including the metro cities.

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/Urban Local Bodies (ULBs)/Implementing  agencies  and  the  beneficiaries.  The  funding  under PMAY-U 2.0 is to provide a nudge to the beneficiaries and enable them to construct  their  houses  by  arranging  funds  from  other  sources  as  well. However, States/UTs may provide their enhanced share as per PMAY-U 2.0 guidelines to reduce the burden on beneficiaries.  Government Assistance  under  BLC/AHP  verticals  of  PMAY-U  2.0  for  North-eastern States,  Uttarakhand,  Himachal    Pradesh,  UTs  of  Jammu  &  Kashmir, Puducherry and Delhi have been fixed at a ratio of 90:10. For Remaining UTs, the Central & State sharing ratio is 100:0 whereas for other States it is on 60:40. There is no proposal to revise the Central Assistance for the scheme.  In  order  to  enhance  the  affordability  of  the  houses,  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.

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. States/UTs are also expected to facilitate  home  loan  to  PMAY-U  2.0  beneficiaries  through  tripartite agreement.

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