Lok Sabha Question No. 751 (UNSTARRED), answered on 2025-12-04
Subject: Credit-Linked Support and Financial Assistance under PMAY-U 2.0
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Chavda Vinod Lakhamshi, Shri Bharatsinhji Shankarji Dabhi, Dr. Hemant Vishnu Savara, Smt. D K Aruna, Shri Ravindra Shukla Alias Ravi Kishan, Shri Narayan Tatu Rane, Shri B Y Raghavendra, Shri Chandan Chauhan, Shri Tejasvi Surya, Shri Vijay Baghel, Shri Sukanta Kumar Panigrahi

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 751

## TO BE ANSWERED ON DECEMBER 04, 2025

## CREDIT-LINKED SUPPORT AND FINANCIAL ASSISTANCE

## UNDER PMAY-U 2.0

NO. 751.  SHRI CHANDAN CHAUHAN:

SHRI B Y RAGHAVENDRA:

SMT. D K ARUNA:

DR. HEMANT VISHNU SAVARA:

SHRI NARAYAN TATU RANE:

SHRI TEJASVI SURYA:

SHRI SUKANTA KUMAR PANIGRAHI:

SHRI CHAVDA VINOD LAKHAMSHI:

SHRI BHARATSINHJI SHANKARJI DABHI:

SHRI VIJAY BAGHEL:

SHRI RAVINDRA SHUKLA ALIAS RAVI KISHAN:

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

- (a) the role of the Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH) in facilitating access to housing finance for low-income and economically  vulnerable  beneficiaries  under  Pradhan  Mantri  Awas Yojana  -  Urban  (PMAY-U)  2.0  including  its  implementation  across  the country, State/UT-wise, particularly for Karnataka and Odisha;
- (b) the number of financial institutions including banks, NBFCs and housing finance companies presently participating under the CRGFTLIH mechanism along with the total quantum of guarantees issued during each  of the last three years across the country, State/UT-wise, specifically Karnataka and Odisha;
- (c) the  details  including  the  number  of  beneficiaries  assisted  through CRGFTLIH, the total amount of credit facilitated and the number of PMAYU 2.0 houses sanctioned, completed and occupied in Karnataka, districtwise;
- (d) the  details  of  the  beneficiaries  in  the  Shivamogga  Parliamentary Constituency, district and ULB-wise, category-wise distribution (SC/ST/OBC/Women),  credit  disbursed  under  CLSS/CRGFTLIH,  pending proposals and the current progress of works;

- (e) the  measures  taken  by  the  Government  to  enhance  outreach  and awareness  among  eligible low-income households, informal-sector workers, urban poor and slum-dwelling beneficiaries regarding available credit-linked support and subsidy options under PMAY-U 2.0 across the country, State/UT-wise, particularly for Karnataka and Odisha; and
- (f) whether the Government proposes to expand the credit-linked support component under PMAY-U 2.0 to include additional categories of urban poor and informal-sector workers and if so, the details thereof, State/UTwise including Durg Lok Sabha Constituency of Chhattisgarh?

## ANSWER

## THE MINISTER OF STATE IN THE

## MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI TOKHAN SAHU)

(a)  to  (f):  Credit  Risk  Guarantee  Fund  Trust  for  Low  Income  Housing (CRGFTLIH) scheme aims to guarantee affordable housing loan up to ₹20 lakh sanctioned and disbursed by the Member Lending Institutions (MLIs) including Banks/Housing  Finance  Companies  (HFCs)  to  the  eligible  beneficiaries  of Economically Weaker Section (EWS) and  Low Income Group (LIG) categories including those of Pradhan Mantri Awas Yojana-Urban (PMAY-U) 2.0, thereby enhancing the confidence of the lending institutions in lending to this segment. It  aims  to  strengthen  access  to  housing  finance  for  eligible  borrowers, particularly  those  with  informal  income  sources  by  creating  a  supportive framework that encourages financial institutions to extend credit confidently.

A  total  of  55  MLIs  including  Banks,  Non-Banking  Financial  Companies (NBFCs)/HFCs  have  been  registered  under  the  CRGFTLIH  Scheme  up  to 31.10.2025.

CRGFTLIH scheme was launched on 15.01.2025 and no loans were guaranteed during  FY  2024-25.  Moreover,  State/Union  Territory  (UT)-wise  details  of guarantee issued under CRGFTLIH during FY 2025-26 till 31.10.2025, including in the States of Karnataka and Odisha is at Annexure I.

Category-wise  distribution  (SC/ST/OBC/Women)  of  loans  guaranteed  under CRGFTLIH Scheme in Shivamogga district is at Annexure II.

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.  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). BLC, AHP and ARH verticals are implemented by State/UT Governments, and ISS vertical is implemented through  the  identified  Central  Nodal  Agencies  (CNAs)  such  as  National Housing  Bank  (NHB),  State  Bank  of  India  (SBI)  &  Housing  and  Urban Development  Corporation  (HUDCO)  by  Housing  Finance  Companies  and Primary Lending Institutions (PLIs).

As per the scheme guidelines of PMAY-U 2.0, States/UTs including Karnataka and Odisha are encouraged to facilitate the identified eligible beneficiaries including  low-income  households,  informal-sector  workers,  urban  poor  and slum-dwellers in getting approvals and documents, etc. to avail the benefit of Interest Subsidy Scheme by organizing loan melas, conduct monthly review with  Primary  Lending  Institutions  (PLIs)  to  resolve  challenges  faced  by beneficiaries  in  availing  the  benefit  of  the  scheme.  In  order  to  facilitate awareness and benefit of the scheme among the beneficiaries, PLIs display the details of the scheme along with the contact details at their respective branches for smooth disbursement of loan and interest subsidy. Department of Financial Services has developed a special Home Loan Product in association with Indian Bank Associations which aims to facilitate timely and hassle-free housing loans, particularly for EWS/LIG/MIG beneficiaries under the PMAY-U. States/UTs are also facilitating access to low-cost credit for beneficiaries of PMAY-U through a tripartite agreement between the beneficiary, the bank, and the State/UT government.

Further,  a  total  of  17  beneficiaries  of  Durg  district  of  Chhattisgarh  have received ₹ 4.8 lakh as 1st instalment of interest subsidy.  The district-wise details including the number of beneficiaries assisted through CRGFTLIH, the total amount of credit facilitated in Karnataka is at Annexure III.

Till date, the Government of Karnataka has not proposed any houses under BLC,  AHP  and  ARH  verticals  of  PMAY-U  2.0.  While  CNAs  have  extended benefits of ISS verticals to 516 beneficiaries in Karnataka, the district wise details are at Annexure IV.

*****

## State wise/UT-wise data on loan guarantee under CRGFTLIH including in the State of Karnataka and Odisha

| S. No.      | State/UT         | Number of Loans Guaranteed   | Loan Amount Guaranteed (Rs. In lakh)   |
|-------------|------------------|------------------------------|----------------------------------------|
|             | Andhra Pradesh   | 84                           | 906                                    |
|             | Assam            | 1                            | 8                                      |
|             | Chandigarh       | 35                           | 351                                    |
|             | Chhattisgarh     | 77                           | 261                                    |
|             | DNH and DD       | 1                            | 12                                     |
|             | Delhi            | 103                          | 1,460                                  |
|             | Gujarat          | 723                          | 7,419                                  |
|             | Haryana          | 69                           | 829                                    |
|             | Himachal Pradesh | 1                            | 10                                     |
| .           | Jharkhand        | 2                            | 26                                     |
| .           | Karnataka        | 217                          | 907                                    |
| .           | Kerala           | 1                            | 10                                     |
| .           | Madhya Pradesh   | 587                          | 6,001                                  |
| .           | Maharashtra      | 1,080                        | 14,863                                 |
| .           | Odisha           | 15                           | 28                                     |
| .           | Punjab           | 268                          | 2,953                                  |
| .           | Rajasthan        | 277                          | 2,946                                  |
| .           | Tamil Nadu       | 598                          | 2,145                                  |
| .           | Telangana        | 68                           | 828                                    |
| .           | Uttar Pradesh    | 568                          | 5,075                                  |
| .           | Uttarakhand      | 120                          | 685                                    |
| .           | West Bengal      | 132                          | 1,602                                  |
| Grand Total | Grand Total      | 5,027                        | 49,324                                 |

Category-wise distribution (SC/ST/OBC/Women) of loans guaranteed under CRGFTLIH Scheme in Shivamogga district

| Category Wise Distribution   | Under CRGFTLIH             | Under CRGFTLIH                       |
|------------------------------|----------------------------|--------------------------------------|
|                              | Number of Loans Guaranteed | Loan Amount Guaranteed (Rs. In lakh) |
| SC                           | Nil                        | Nil                                  |
| ST                           | Nil                        | Nil                                  |
| OBC                          | 1                          | 4                                    |
| Women                        | 5                          | 22                                   |

District  wise  details  for  FY  2025-26  (Nil  during  2024-25)  including  the  number  of  beneficiaries assisted through CRGFTLIH, the total amount of credit facilitated in Karnataka

| S. No.   | District             | CHGFTLIH                   | CHGFTLIH                             |
|----------|----------------------|----------------------------|--------------------------------------|
|          |                      | Number of Loans Guaranteed | Loan Amount Guaranteed (Rs. In lakh) |
|          | Bagalkote            | 1                          | 15                                   |
|          | Ballari (Bellary)    | 1                          | 4                                    |
|          | Belagavi (Belgaum)   | 5                          | 40                                   |
|          | Bengaluru Rural      | 1                          | 12                                   |
|          | Bengaluru Urban      | 39                         | 314                                  |
|          | Bidar                | 1                          | 16                                   |
|          | Chitradurga          | 2                          | 31                                   |
|          | Dakshina Kannada     | 1                          | 14                                   |
|          | Dharwad              | 2                          | 17                                   |
| .        | Gadag                | 3                          | 24                                   |
| .        | Hassan               | 124                        | 148                                  |
| .        | Haveri               | 3                          | 21                                   |
| .        | Mandya               | 1                          | 5                                    |
| .        | Mysuru (Mysore)      | 9                          | 106                                  |
| .        | Raichur              | 1                          | 8                                    |
| .        | Shivamogga (Shimoga) | 18                         | 78                                   |
| .        | Tumakuru (Tumkur)    | 4                          | 40                                   |
| .        | Vijayanagara         | 1                          | 15                                   |
| Total    |                      | 217                        | 907                                  |

## Annexure-IV referred in reply to LSUQ No. 751 due for 04.12.2025

## District wise details of houses sanctioned under ISS vertical of PMAY-Urban 2.0 in Karnataka

| S. No.   | District             |   Number of Beneficiaries Under PMAY-U 2.0 |
|----------|----------------------|--------------------------------------------|
|          | Bagalkote            |                                          9 |
|          | Ballari (Bellary)    |                                         11 |
|          | Belagavi (Belgaum)   |                                         29 |
|          | Bengaluru Rural      |                                         14 |
|          | Bengaluru Urban      |                                         64 |
|          | Bidar                |                                         10 |
|          | Chamarajanagar       |                                         14 |
|          | Chikkaballapura      |                                          2 |
|          | Chikkamagaluru       |                                          8 |
|          | Chitradurga          |                                         12 |
|          | Dakshina Kannada     |                                         35 |
|          | Davanagere           |                                         42 |
|          | Dharwad              |                                         29 |
|          | Gadag                |                                          7 |
|          | Hassan               |                                         10 |
|          | Haveri               |                                         18 |
|          | Kalaburagi           |                                         21 |
|          | Kodagu               |                                          0 |
|          | Kolar                |                                          9 |
|          | Koppal               |                                          2 |
|          | Mandya               |                                         12 |
|          | Mysuru (Mysore)      |                                         51 |
|          | Raichur              |                                         19 |
|          | Ramanagara           |                                          8 |
|          | Shivamogga (Shimoga) |                                         13 |
|          | Tumakuru (Tumkur)    |                                         25 |
|          | Udupi                |                                          9 |
|          | Uttara Kannada       |                                          4 |
|          | Vijayanagara         |                                         10 |
|          | Vijayapura           |                                         16 |
|          | Yadgir               |                                          3 |
|          | Total                |                                        516 |

Note:  Till  date,  the  Government  of  Karnataka  has  not  proposed  any  houses  under  BLC,  AHP  and  ARH verticals of PMAY-U 2.0. All 516 beneficiaries are under ISS vertical of PMAY-U 2.0