Lok Sabha Question No. 787 (UNSTARRED), answered on 2025-12-04
Subject: Implementation of PMAY-U in Kerala
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dr. Shashi Tharoor

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 787

TO BE ANSWERED ON DECEMBER 04, 2025

## IMPLEMENTATION OF PMAY-U IN KERALA

## NO.787. DR. SHASHI THAROOR:

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

- (a) the number of houses approved, constructed and remaining to be built  under the Pradhan Mantri Awas Yojana - Urban (PMAY-U) in Kerala;
- (b) whether it is true that several Scheduled Caste (SC) beneficiaries under  PMAY are  struggling  to  complete  the  construction  of  their houses  due  to  paucity  of  funds  from  the  Union  as  well  as  State Governments;
- (c) if  so,  the  steps  taken  by  the  Union  and  State  Governments  to address  and  overcome  the  uncertainty  in  construction  of  the remaining houses for SC communities; and
- (d) the steps taken or proposed by the Union Government to address the  delays  in  fund  releases  at  the  Central  and  State  levels  to ensure successful implementation of the second phase of PMAY-U?

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

- (a) to  (d):  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  eligible  urban  beneficiaries  across  the  country, including  the  State  of  Kerala.  The  implementation  period  of  PMAY-U scheme, which was earlier up to 31.03.2022, has been extended up to 31.12.2025 to complete sanctioned houses without changing the funding pattern and implementation methodology.

Based on the project proposals submitted by State of Kerala, as on date, a total of 1.62 lakh houses have been sanctioned for eligible beneficiaries  including  19,262  from  Scheduled  Caste  (SC)  category under  PMAY-U  since  inception,  out  of  which  1.55  lakh  have  been grounded;  of  which  1.38  lakh  are  delivered/completed,  so  far.  The remaining  houses  are  at  different stages  of construction. Central Assistance  of  ₹  2,700.71  crore  has  been  sanctioned  for  the  State  of Kerala; out of which ₹2,499.36 crore has been released as on date to the State, based on the compliances submitted by the State Government of Kerala.

The State of Kerala has not reported any such issue of SC beneficiaries struggling to complete construction of houses due to paucity of funds. As  on  date, ₹ 12.19  crore  in  Single  Nodal  Agency  (SNA)  account  and ₹ 98.46  crore  in  SNA-Sparsh  is  lying  unspent  with  the  State  of  Kerala. Further funds shall be released to the State based on compliance as per PMAY-U  guidelines.  State  Government  may  also  help  beneficiaries  to mobilize  beneficiary  share  through  loans  from  Banks/Housing  Finance Companies (HFCs) or Self Help Groups (SHGs), as per their requirement to enable them to complete the construction of houses.

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). The scheme guidelines can be accessed at https://pmayurban.gov.in/uploads/guidelines/Operational-Guidelines-of-PMAY-U-2.pdf

As  on  date,  all  States  except  Kerala  have  signed  Memorandum  of Agreement (MoA) to implement PMAY-U 2.0 as per scheme guidelines. By not signing MoA, approximately 2-3 lakh potential beneficiaries of the State are losing the opportunities to have pucca houses.

*****