Lok Sabha Question No. 4577 (UNSTARRED), answered on 2026-03-19
Subject: Affordable Housing under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Smt. Bharti Pardhi, Dr. Shrikant Eknath Shinde, Dr. D. Purandeswari, Shri Ravindra Dattaram Waikar, Shri Shrirang Appa Chandu Barne, Shri Naresh Ganpat Mhaske

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 4577

TO BE ANSWERED ON MARCH 19, 2026

AFFORDABLE HOUSING UNDER PMAY-U

NO. 4577.

DR. SHRIKANT EKNATH SHINDE:

DR. D. PURANDESWARI:

SHRI NARESH GANPAT MHASKE:

SHRI SHRIRANG APPA CHANDU BARNE:

SHRI RAVINDRA DATTARAM WAIKAR:

SMT. BHARTI PARDHI:

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

- (a) whether the Government has announced new measures to promote affordable housing under Pradhan Mantri Awas Yojana-Urban (PMAYU)  2.0  across  the  country,  if  so,  the  details  thereof,  State-wise particularly  in  Maharashtra,  Andhra  Pradesh  and  Madhya  Pradesh
- and if not, the reasons therefor;
- (b) the key objectives and target beneficiaries identified under PMAY-U 2.0  including  provisions  for  economically  weaker  sections,  lowincome groups and middle-income households;
- (c) the financial outlay, implementation timeline and allocation
- framework proposed under PMAY-U 2.0, State-wise;
- (d) the policy measures adopted to enhance private sector participation, urban infrastructure integration and ease of approvals; and
- (e) whether these initiatives are aligned with the long-term urbanisation and  inclusive  housing  objectives  of  the  Ministry  of  Housing  and Urban Affairs, if so, the details thereof?

## ANSWER

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

(a) to (e): '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 30th 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 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  with  Central  assistance  of  about ₹1.60 lakh Crores over five years. Under the scheme, beneficiaries from Economically  Weaker  Sections  (EWS)/  Low  Income  Group  (LIG)/  Medium Income  Group  (MIG)  category,  living  in  urban  areas,  having  no  pucca house anywhere in the country are eligible to avail the benefit.

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.

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/re-purchase/construction of houses.

PMAY-U and PMAY-U 2.0 are demand driven schemes and there are no fixed  State/Union  Territories  (UTs)  wise  targets.  Under  the  schemes, States/UTs  conduct  demand  survey  in  their  respective  jurisdiction  and validate the beneficiaries to ascertain eligibility. 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.

Based on the demand for housing in the urban areas, States/UTs prepare project  proposals  and  after  approval  of  State  Level  Sanctioning  and Monitoring  Committee  (SLSMC),  these  are  submitted  to  the  Ministry  for sanctioning of admissible Central Assistance by Central Sanctioning and Monitoring Committee (CSMC) in phased manner.

The  timeline  for  completion  of  projects  varies  from  State  to  State  and generally it takes 12-36 months in different verticals of the scheme and as per  DPRs  of  respective  projects.  The  completion  timeline  for  houses depends  on  various  factors  like  availability  of  encumbrance  free  land, statutory compliances for start of construction, arrangement of funds by beneficiaries etc.

PMAY-U  2.0  scheme  is  aligned  with  Sustainable  Development  Goal  on Sustainable Cities and Communities. It supports States/UTs for formulation and implementation of 'Affordable Housing Policies' to incentivize  private  sector  participation  through  appropriate  regulatory, fiscal  and  institutional  measures  for  increasing  the  supply  of  affordable housing  stock  in  urban  areas.  States/UTs  are  required  to  undertake reforms and provide incentives to promote private sector investment, as outlined in Para 14.2 of the PMAY-U 2.0 guidelines. The scheme guidelines are  available  at  https://pmay-urban.gov.in/uploads/guidelines/OperationalGuidelines-of-PMAY-U-2.pdf. Some of the reforms are listed below:

-  Nominal (less than 1%) Stamp duty/ Registration Charges for houses (up to 60 sqm) registered under PMAY-U 2.0.
-  50%  additional  Floor  Area  Ratio  (FAR)  with  Transferable  Development Rights (TDR) facility free of cost and built-up area used for EWS/LIG, not to be counted in overall FAR of the project.
-  Mandatory reservation of 5% of built-up area for EWS/LIG housing in  all housing projects beyond 10,000 sqm built-up area or 5,000 sqm plot area.
-  Reservation  of  Land/  Area  for  Affordable  Housing  in  relevant  Scheme/ Policy/ Building Byelaws and inclusion of Affordable Housing Zones in the Master Plans/ Town Planning Schemes.
-  Adoption of Model Tenancy Act (drafted and sent by MoHUA) by enacting the fresh State legislation or amending the exiting tenancy law in order to promote rental housing segment.

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