Lok Sabha Question No. 6417 (UNSTARRED), answered on 2026-04-02
Subject: Fund Utilisation under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri G Kumar Naik

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

## UNSTARRED QUESTION NO. 6417

## TO BE ANSWERED ON APRIL 02, 2026

## FUNDS UTILISATION UNDER PMAY-U

## NO. 6417.   SHRI G KUMAR NAIK:

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

- (a) the Budget Estimates (BE), Revised Estimates (RE) and actual expenditure under Pradhan Mantri Awas Yojana-Urban ( PMAY-U ) during each of the last three financial years, year-wise;
- (b) the  reasons  for  any  shortfall  between  budgeted  allocations  and  actual expenditure during the said period and the corrective measures taken to improve fund utilisation;
- (c) the  total  number  of  houses  sanctioned,  grounded  for  construction, completed  and  occupied  under  PMAY-U  during  the  last  three  years, vertical-wise;
- (d) the details of the In-Situ Slum Rehabilitation (ISSR) component including the total number of houses sanctioned, since inception houses completed and houses occupied as of February 2026; and
- (e) the  reasons  for  low  occupancy  of  completed  houses  and  whether  any evaluation has been conducted to assess implementation bottlenecks and if so, the details thereof?

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

- (a) to (e): 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 all eligible urban beneficiaries including slum dwellers across  the  country.  The  scheme  has  been  implemented  through  four verticals i.e., Beneficiary Led Construction (BLC), Affordable Housing in Partnership  (AHP),  In-Situ  Slum  Rehabilitation ( ISSR ) and  Credit  Linked Subsidy Scheme (CLSS).

The beneficiaries were allowed to seek benefit under any of the vertical based  on  their  preferences.  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 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  and  PMAY-U  2.0  adopts  a  demand  driven  approach  wherein States/Union Territories (UTs) assess the requirement through their Urban Local Bodies (ULBs)/Implementing Agencies in their respective jurisdictions. Eligible citizens are also allowed to apply through Unified Web Portal of PMAY-U 2.0 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  by  the States/UTs. The Scheme Guidelines and Unified Web Portal for submitting the online applications can be accessed through https://pmayurban.gov.in. Based on the demand survey and selection of beneficiaries, the  project  proposals  are  prepared  and  approved  by  the  State  Level Sanctioning  and  Monitoring  Committee  (SLSMC)  headed  by  the  Chief Secretary  of  States/UTs  for  further  consideration  of  release  of  Central Assistance by the Central Sanctioning and Monitoring Committee (CSMC).

Based on the project proposals 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.

Against the sanctioned houses, more than 29 lakh households are slum dwellers.  A  total  of  1,73,387  houses  has  been  approved  under  ISSR vertical of PMAY-U specifically since inception, of which 1,70,653 houses have been grounded. Out of total houses sanctioned under ISSR, 1,59,641 houses have been completed and 1,34,114 are occupied.

As per the Scheme Guidelines of PMAY-U/PMAY-U 2.0, Central Assistance is released to the States/UTs in three instalments of 40%, 40% and 20% for construction of houses on the basis of various compliances submitted by them. Budget allocation for a financial year is kept considering the anticipated requirement under the scheme during the year and utilized according to the claims received from States/UTs. Based on the claims received and curtailment/cancellation proposals submitted by States/UTs, the Budgetary Estimates (BE) and Revised Estimates (RE) are decided.

The Year-wise details of Budget Estimates (BE), Revised Estimates (RE) and  under  PMAY-U/PMAY-U  2.0  and  expenditure  incurred  thereagainst during  each  of  last  three  financial  years  are  given  at  Annexure-I.  The vertical-wise  details  of  houses  sanctioned,  grounded  for  construction, completed and occupied under PMAY-U during last three financial years are given at Annexure-II.

Occupancy  of  completed  houses  is  an  important  concern  raised  with States/Union Territories (UTs) during periodically held review meetings. The reasons of unoccupancy in In-situ Slum Redevelopment (ISSR) and Affordable  Housing  in  Partnership  (AHP)  vertical  of  PMAY-U  include incomplete  basic  infrastructure  such  as  water,  roads  and  electricity, migration or unwillingness to relocate from existing livelihoods and social networks, financial constraints in contributing beneficiary share, delays in documentation and allotment by implementing agencies. The States/UTs  have  been  advised  to  improve  occupancy  of  houses  under PMAY-U  by  providing  civic  infrastructure  and  ensuring  allotment  to beneficiaries on priority.

The Ministry conducts regular review with the States/UTs on progress for expeditious grounding & completion of sanctioned projects . These review meetings  focus  on  identifying  the  bottlenecks  and  provide  necessary handholding  support  to  States/UTs  for  faster  implementation  of  the projects including timely release of Central Assistance and its utilization along  with  ensuring  completion  of  all  the  sanctioned  houses  within scheme period and stipulated timeline.

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## Annexure-I referred in reply to LSUQ No. 6417 due for 02-04-2026 Year wise Budget Estimates (BE) Revised Estimates (RE) and Actual

## Expenditure incurred under PMAY-U & PMAY-U 2.0

(₹ in crore)

|         | Funds allocated   | Funds allocated   | Expenditure   |
|---------|-------------------|-------------------|---------------|
| F.Y.    | B.E.              | R.E.              |               |
| 2022-23 | 28,000            | 28,708            | 28,653        |
| 2023-24 | 25,103            | 21,703            | 21,684        |
| 2024-25 | 30,171            | 15,170            | 6,595         |
| Total   | 83,274            | 65,581            | 56,932        |

Annexure II referred in reply to LSUQ No. 6417 due for 02-04-2026 Vertical wise details of houses sanctioned, grounded for construction, completed and   occupied during the last three years (FY 2022-25) under

PMAY-U & PMAY-U 2.0

| Particulars             | BLC       | AHP/ISSR   | CLSS/ISS   | Total     |
|-------------------------|-----------|------------|------------|-----------|
| Houses Sanctioned (Nos) | 12,20,665 | 1,272      | 4,30,300   | 16,52,237 |
| Houses Grounded (Nos)*  | 13,71,677 | 1,85,665   | 4,30,300   | 19,87,642 |
| Houses Completed (Nos)* | 25,58,342 | 4,71,315   | 4,30,300   | 34,59,957 |
| Houses Occupied (Nos)** | 25,58,342 | 5,83,915   | 4,30,300   | 35,72,557 |

* Includes houses grounded and completed in the year which were sanctioned in preceding years.

** Includes houses occupied in the year which were completed in preceding years.