Lok Sabha Question No. 103 (UNSTARRED), answered on 2026-01-29
Subject: Housing Needs of EWS and Migrant Workforce in Fatehgarh Sahib
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dr. Amar Singh

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

## UNSTARRED QUESTION NO. 103

TO BE ANSWERED ON JANUARY 29, 2026

## HOUSING NEEDS OF EWS AND MIGRANT WORKFORCE IN FATEHGARH

## SAHIB

## NO. 103. DR. AMAR SINGH:

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

- (a) whether  the  Government  has  examined  the  housing  needs  of Economically Weaker Sections (EWSs) and the migrant workforce in  Fatehgarh Sahib region, particularly in industrial areas such as Mandi Gobindgarh, Sirhind and nearby labour-intensive clusters;
- (b) if  so,  the  details  of  Government's  support  for  affordable  housing, rental  housing  complexes  and  slum  redevelopment  projects  in Fatehgarh Sahib Lok Sabha Constituency along with the number of beneficiaries and housing units constructed; and
- (c) the  measures  proposed  to  be  taken  by  the  Government  for improving affordability, ensuring transparent beneficiary selection, strengthening  urban  basic  services  in  new  housing  sites  and providing  dignified  rental  accommodation  for  industrial  workers and families residing in Fatehgarh Sahib belt?

## ANSWER

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

(a)  to  (c):  'Land'  and  'Colonisation'  are  State  subjects.  Therefore, schemes  related  to  housing  for  their  citizens  including  migrant workforce  are  implemented  by  States/Union  Territories  (UTs)  in their  respective  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)  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.

MoHUA launched Affordable Rental Housing Complexes (ARHCs) as a  sub-scheme  of  PMAY-U  to  provide  dignified  living  to  urban migrants/poor near their workplace.

Beneficiaries of ARHCs are urban migrants/poor from Economically Weaker  Section  (EWS)/Low  Income  Group  (LIG).  They  include labour, urban poor (street vendors, rickshaw pullers, other service providers  etc.),  industrial  workers,  and  migrants  working  with market/trade associations, educational/health institutions, hospitality sector, long term tourists/visitors, students or any other persons of such category.

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  support  1 crore  additional  eligible  beneficiaries  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).

ARH  vertical  of  PMAY-U  2.0  aims  to  promote  creation  of  rental housing  for  EWS/LIG  beneficiaries  including  migrant  workers  and other poor who do not want to own a house but require housing for short term basis. ARH vertical is implemented through two models:

- i. Model-1: Converting existing Government funded vacant houses into ARH through PPP mode or by Public Agencies,
- ii. Model-2:  Construct,  Operate  and  Maintain  rental  housing  by Private/Public Entities for urban poor, working women, employees  of  Industries,  Industrial  Estates,  Institutions  and other eligible EWS/LIG families.

ARH vertical of PMAY-U 2.0 aims to create a conducive environment  by   incentivizing    Public/Private  Entities to leverage

investment for creating affordable rental housing stock. It promotes  the  creation  of  adequate  rental  housing  for  eligible EWS/LIG beneficiaries including industrial workers who do not want to  own  a  house  but  require  housing  for  short  term  basis.  As  per scheme  guidelines  of  PMAY-U  2.0,  Public/Private  Entities  can construct, operate and maintain ARH projects containing Single/Double bedroom unit or dormitory beds to provide accommodation for eligible beneficiaries.

Based on the proposals received from State Government of Punjab, a  total  of  1.21  lakh  houses  have  been  sanctioned  by  the  Ministry under  PMAY-U.  Out  of  which,  more  than  1.19  lakh  have  been grounded and 1.01 lakh are completed/delivered to the beneficiaries in the urban areas, including living in slums. A total of 2,077  houses  have  been  sanctioned  under  PMAY-U  for  Fatehgarh Sahib Lok Sabha Constituency, of which 1,817 have been completed. No proposal has been received from the State of Punjab under ARHCs.

PMAY-U  &  PMAY-U  2.0  are  demand  driven  schemes.  As  per  the Scheme  Guidelines  of  PMAY-U,  selection  of  beneficiaries  under different verticals through suitable means, formulation & execution of  projects  are  done  by  States/UTs.  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/Urban Local Bodies (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.

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 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.

In order to enhance the affordability of the houses under PMAY-U 2.0,  State/UT  share  is  made  mandatory.  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,  there  by  directly  contributing  to  the  program's objectives. In addition, special Home Loan Products are developed by  Department  of  Financial  Services  (DFS)  with  Banks  to  help Beneficiaries of informal sectors. States/UTs are also expected to facilitate home loan to PMAY-U 2.0 beneficiaries through tripartite agreement.

In order to facilitate the provision of civic amenities and infrastructure development including at new housing sites, States/UTs  are  encouraged  to  explore  public-private  participation mode  of  project  implementation  and  ensure  convergence  of  the scheme  with  various other Centrally  Sponsored  Scheme  and Missions  including  Smart  Cities  Mission  (SCM),  Atal  Mission  for Rejuvenation  and  Urban  Transformation  2.0  (AMRUT  2.0),  PM SVANidhi, PM Surya Ghar: Muft Bijli Yojana etc. and other relevant Schemes.  In addition to convergence  with Central  schemes, States/UTs  are  also  encouraged  to  explore  convergence  with relevant State schemes.

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