Lok Sabha Question No. 4576 (UNSTARRED), answered on 2026-03-19
Subject: Revision of Eligibility Criteria under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Konda Vishweshwar Reddy

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 4576

## TO BE ANSWERED ON MARCH 19, 2026

## REVISION OF ELIGIBILITY CRITERIA UNDER PMAY-U

## NO. 4576.    SHRI KONDA VISHWESHWAR REDDY:

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

- (a) whether the Government proposes to enhance the unit assistance and permissible  carpet  area  under  Pradhan  Mantri  Awas  Yojana-Urban (PMAY-U) considering the steep increase in construction material costs, labour charges and land prices and if so, the details thereof;
- (b) whether any recent assessment has been conducted on the adequacy of the  present  cost  norms  across  States,  especially  in  rapidly  urbanising and peri-urban regions and if so, the details thereof;
- (c) whether  the  Government  is  considering  rationalisation  of  eligibility criteria in view of changing socio-economic conditions, where possession of limited assets such as a small four-wheeler or an RCC roof may  not  necessarily  indicate  financial  capacity  to  construct  a  pucca house without assistance and if so, the details thereof; and
- (d) whether greater flexibility would be provided to all States to ensure that genuinely  deserving  families  are  not  excluded  and  if  so,  the  details thereof?

## ANSWER

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

- (a) to (d): 'Land' and 'Colonisation' are State subjects. Therefore, Government policies and schemes related to affordable housing for their citizens  are  implemented  by  States/Union  Territories  (UTs)  in  their respective urban areas. However, Ministry of Housing and Urban Affairs (MoHUA) supplements efforts of States/UTs by providing Central Assistance under Pradhan Mantri Awas Yojana - Urban (PMAY-U) with an aim to provide all weather pucca houses with basic civic amenities to eligible urban beneficiaries across the country.  The scheme period of PMAY-U has been extended up to 30 th  September 2026 for completion of under-construction  houses  and  release  of  funds  through  SNA-SPARSH module.

Based  on  the  learnings  from  the  experiences  of  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  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).

Under  the  schemes,  selection  of  beneficiaries  under  BLC  and  AHP vertical  is  done  by  respective  State/UT/Urban Local Body (ULB) as per Scheme Guidelines based on the following criteria:

- i. Not  owning  pucca  house  in  his/her  name  or  any  other  family member's name, anywhere in India.
- ii. Belonging  to  Economically  Weaker  Section  (EWS)  with  annual household income of up to ₹3 lakh.
- iii. Ownership of land to avail benefit under BLC vertical.

The scheme guidelines do not prescribe exclusion solely on the basis of ownership of assets such as a small four-wheeler or similar conditions. Eligibility under the scheme is primarily based on income category and housing status, including the condition that the beneficiary family does not own a pucca house anywhere in India and has not availed benefits under any Central housing scheme.

Further,  under  ARH  vertical,  eligible  beneficiaries  of  EWS/Low  Income Group (LIG) categories up to income limit of ₹6 lakh can avail the benefit of rental housing at affordable rate.

Further, under ISS vertical, beneficiaries of EWS/LIG and Middle Income Group  (MIG)  categories  up  to  income  limit  of  ₹9  lakh  per  annum  are eligible to get subsidy on home loans for purchase/repurchase/construction of houses.

PMAY-U  and  PMAY-U  2.0  are  demand-driven  schemes.  As  per  the scheme  guidelines,  selection  of  beneficiaries  under  different  verticals through  suitable  means  and  formulation  &  execution  of  projects  are undertaken by the States/UTs, ensuring that genuinely deserving families are not excluded. States/UTs have been provided flexibility to identify eligible beneficiaries based on local conditions and requirements, in accordance with the broad guidelines of the scheme, so that assistance reaches deserving households.

Eligible citizens are also allowed to apply through Unified Web Portal of PMAY-U  2.0  and  register  their  demand  with  all  details  on  the  portal. States/UTs/ULBs validate the beneficiaries as per the eligibility criteria of the scheme guidelines and selection/scrutiny of beneficiary lists are done at multiple  levels  in  the  States/UTs.  The  Scheme  Guidelines  and Unified  Web  Portal  for  submitting  the  online  applications  can  be accessed through https://pmay-urban.gov.in .

Based on the project proposal submitted by States/UTs, a total of 125.15 lakh houses including 13.67 lakh under PMAY-U  2.0, have been sanctioned by the Ministry, so far across the country. Of the sanctioned houses, 116.57 lakh houses have been grounded; of which 97.30 lakh are completed/delivered to the beneficiaries as on 02.03.2026.

The scheme guidelines of PMAY-U 2.0 have been prepared after a series of consultations with States/UTs and a large number of other stakeholders.  As  per  the  Scheme  Guidelines,  the  fund  required  for purchase/construction of houses under the scheme is shared between the  Central  Government,  State/UT  Governments/  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.

A fixed amount of Central Assistance is provided by Government of India under different verticals and mandatory State share has been provisioned under the scheme. There is no proposal to enhance Central Assistance under the scheme.

In order to minimize impact of increasing cost of construction material, labour charges and land prices, State/UT share is made mandatory under PMAY-U 2.0. Further, State and UT may enhance their share to improve the affordability of houses and also facilitate home loan to the PMAY-U 2.0 beneficiaries.

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