Lok Sabha Question No. 19 (UNSTARRED), answered on 2026-01-29
Subject: Schemes for Urban Poor
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dr. Nishikant Dubey

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## GOVERNMENT OF INDIA LOK SABHA

## UNSTARRED QUESTION NO. 19

TO BE ANSWERED ON JANUARY 29, 2026

## SCHEMES FOR URBAN POOR

- NO. 19.    DR. NISHIKANT DUBEY: Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to

state:-

- (a)   the details of the schemes being run by the Government for the urban poor in the country;
- (b) the extent to which these schemes have been helpful for the poor in urban areas; and
- (c) the corrective measures taken or being taken under these schemes to extend the benefits to the urban poor?

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

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- (a) to (c): Urban Poverty Alleviation is a state subject. Government of India supplements the efforts of State Governments/UTs through programs and  schematic  interventions  for  the  urban  poor.  Ministry  of  Housing  and Urban Affairs, MoHUA implemented 'Deendayal Antyodaya Yojana - National Urban  Livelihoods  Mission  (DAY-NULM)'  to  reduce  economic,  social  and residential vulnerabilities of urban poor. The implementation period of DAYNULM ended on 30.09.2024.

Under  DAY-NULM  as  on  30.09.2024,  10,02,545  Self  Help  Groups  (SHGs) were formed, 15,42,952 candidates were provided skill training and 1,995 shelters with a capacity of about 1.41 lakh bed were made.

Further, MoHUA implements Pradhan Mantri Street Vendor's Atma Nirbhar Nidhi  (PM  SVANidhi)  Scheme,  launched  in  June  2020,  which  provides collateral-free working capital loans to urban street vendors.

The  Scheme  was  restructured  in  August,  2025  under  which,  the  lending period  has  been  extended  from  December  2024  to  March  2030,  and  the scheme benefits have been extended to census towns, urban agglomerations, peri-urban areas, etc. in a graded manner, thereby creating increased livelihood opportunities. The loan amounts for the first and  second  tranches  have  been  enhanced  to  ₹15,000  and  ₹25,000 respectively.  It also provides for a UPIlinked credit card of up to ₹30,000 for eligible vendors, capacity building and entrepreneurship development of street  vendor  beneficiaries,  incentives  for  digital  transactions  and  a holistic social security framework under SVANidhi se Samriddhi (SSS).

As  regards  to  PM  SVANidhi  scheme,  as  on  20.01.2026,  more  than  1.05 crore  loans  amounting  to  around ₹16,100  crore  have  been  disbursed  to over 71.5 lakh street vendors across the country.

In  addition  to  this,  MoHUA  is  also  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  all  eligible  urban beneficiaries across the country. From 01.09.2024, MoHUA has revamped the  scheme  and  launched  PMAY-U  2.0  'Housing  for  All'  Mission  for implementation in urban areas across the country to construct, purchase and  rent  a  house  by  eligible  beneficiaries  at  affordable  cost,  for  1  crore additional eligible beneficiaries.

Under PMAY-U/PMAY-U 2.0, a total of 122.28 lakh houses including 10.66 lakh under PMAY-U 2.0 have been sanctioned by the Ministry, so far. Out of which  114.84  lakh  houses  have  been  grounded  and  97.02  lakh  are on completed/delivered to the beneficiaries across the country as 22.01.2026.

A pilot named 'Deendayal Jan AajeevikaShehari (DJAY-S) was implemented  from  1 st   October,  2024  in  25  select  cities  with  the  aim  to focus on 6 vulnerable occupational groups namely Gig workers, transportation workers, Construction workers, Waste workers, Care workers and Domestic workers. The pilot aimed at studying these groups for making targeted schematic interventions.

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