Lok Sabha Question No. 218 (UNSTARRED), answered on 2026-01-29
Subject: Housing Construction Targets under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dr. Kirsan Namdeo

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## UNSTARRED QUESTION NO. 218

TO BE ANSWERED ON JANUARY 29, 2026

## HOUSING CONSTRUCTION TARGETS UNDER PMAY-U

## NO. 218.  DR. KIRSAN NAMDEO:

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

- (a) the progress made under Pradhan Mantri Awas Yojana - Urban (PMAYU) in achieving its housing construction targets;
- (b) the  reasons  for  the  reported  34.4  per  cent  reduction  in  budget allocation for the said yojana;
- (c) the number of completed and occupied housing units, State-wise;
- (d) the status of fund utilisation under PMAY-U during the last five years,
- State-wise; and
- (e) the measures in place to ensure affordability and long-term sustainability of urban housing projects?

## 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 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  construct,  purchase  and  rent  a  house  by  1  crore Led Construction  (BLC),  Affordable  Housing  in  Partnership  (AHP),  Affordable additional eligible beneficiaries at affordable cost in next five years. PMAYU 2.0 is implemented through four verticals i.e., Beneficiary Rental Housing (ARH) and Interest Subsidy Scheme (ISS).

PMAY-U 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.  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 Central Sanctioning and Monitoring Committee(CSMC).

Based on the project  proposal  submitted  by  States/UTs,  a  total  of  122.28 lakh houses including 10.66 lakh under PMAY-U 2.0 have been sanctioned by the Ministry, so far. Out of which 114.84 lakh houses have been grounded and  97.02  lakh  are  completed/delivered  to  the  beneficiaries  across  the country  as  on  22.01.2026.  The  State-wise  details  of  number  of  houses sanctioned, completed and occupied along with Central Assistance released and utilized under the scheme since inception as well as Central Assistance utilized in last year 5 years are at Annexure.

As per the Scheme Guidelines of PMAY-U, 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  Ministry conducts  regular  review  with  the  States/UTs  on  progress  of  the  scheme including timely release of Central Assistance and its utilization along with ensuring completion of all the sanctioned houses within scheme period and stipulated timeline.

In  order  to  enhance  the  affordability  of  the  houses,  State/UT  share  is mandatory under PMAY-U 2.0. 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.

Under PMAY-U 2.0, a Technology & Innovation Sub-Mission (TISM) has been established  to  support  innovative  design  and  construction  practices  for sustainable  housing  in  the  country.  TISM  promotes  adoption  of  layout designs and building plans suitable for various geo-climatic zones through coordination with various regulatory and administrative bodies for mainstreaming  and  up  scaling  the  deployment  of  modern  construction technologies and material in place of conventional construction materials practices.  Projects  under  the  scheme  promotes  use  of  resource  efficient, climate responsive, disaster resilient, eco-friendly and sustainable building materials,  technologies  and  processes.  The  project  also  adopts  green building norms in line with prevailing standards and specifications including sustainable  construction  practices  to  provide  thermal  comfort,  reduce energy use and environmental impact.

*****

State-wise details of number of houses sanctioned, grounded, completed and occupied along with Central Assistance released and utilized under the scheme since inception as well as Central Assistance utilized in last year 5 years

| Sl    |                   | Physical Progress of Houses (Nos.)   | Physical Progress of Houses (Nos.)   | Physical Progress of Houses (Nos.)   | Central Assistance (₹ in Crore)   | Central Assistance (₹ in Crore)   | Central Assistance (₹ in Crore)      |
|-------|-------------------|--------------------------------------|--------------------------------------|--------------------------------------|-----------------------------------|-----------------------------------|--------------------------------------|
| No    | State             | Sanctioned                           | Completed                            | Occupied                             | Release                           | Utilised                          | Fund Utilised during last five years |
| 1     | A&N Islands (UT)  | 377                                  | 234                                  | 48                                   | 3.72                              | 2.89                              | 2.49                                 |
| 2     | Andhra Pradesh    | 19,48,070                            | 11,23,682                            | 10,31,418                            | 24,044.80                         | 22,670.76                         | 20,689.31                            |
| 3     | Arunachal Pradesh | 13,346                               | 8,471                                | 7,255                                | 201.16                            | 166.17                            | 79.01                                |
| 4     | Assam             | 1,87,028                             | 1,44,107                             | 1,44,107                             | 2,483.96                          | 2,286.65                          | 1,767.86                             |
| 5     | Bihar             | 4,45,103                             | 1,98,481                             | 1,98,430                             | 4,651.85                          | 4,041.85                          | 3,518.43                             |
| 6     | Chandigarh (UT)   | 1,278                                | 1,278                                | 1,278                                | 28.85                             | 28.85                             | 15.85                                |
| 7     | Chhattisgarh      | 3,05,910                             | 2,62,437                             | 2,48,725                             | 4,396.13                          | 4,147.26                          | 4,134.85                             |
| 8     | Delhi (UT)        | 32,075                               | 32,075                               | 32,075                               | 699.94                            | 699.94                            | 257.52                               |
| 9     | Goa               | 3,174                                | 3,174                                | 3,174                                | 75.14                             | 75.14                             | 53.58                                |
| 10    | Gujarat           | 10,29,497                            | 9,66,065                             | 9,28,561                             | 20,183.98                         | 19,808.46                         | 12,337.10                            |
| 11    | Haryana           | 1,32,846                             | 73,134                               | 73,118                               | 1,739.01                          | 1,454.22                          | 1,002.95                             |
| 12    | Himachal Pradesh  | 14,026                               | 11,914                               | 11,896                               | 226.99                            | 211.74                            | 159.03                               |
| 13    | Jammu & Kashmir   | 45,112                               | 35,167                               | 35,167                               | 586.00                            | 434.48                            | 392.07                               |
| 14    | Jharkhand         | 2,43,358                             | 1,65,760                             | 1,63,122                             | 3,215.78                          | 2,965.97                          | 1,838.03                             |
| 15    | Karnataka         | 5,77,669                             | 3,99,076                             | 3,58,298                             | 7,776.84                          | 7,258.19                          | 4,865.55                             |
| 16    | Kerala            | 1,62,134                             | 1,39,646                             | 1,39,543                             | 2,499.93                          | 2,384.57                          | 2,116.70                             |
| 17    | Ladakh (UT)       | 1,434                                | 968                                  | 968                                  | 26.74                             | 12.50                             | 17.96                                |
| 18    | Lakshadweep (UT)  | -                                    | -                                    | -                                    | -                                 | -                                 | -                                    |
| 19    | Madhya Pradesh    | 10,02,259                            | 8,96,760                             | 8,86,646                             | 15,873.71                         | 15,387.05                         | 12,888.31                            |
| 20    | Maharashtra       | 12,78,999                            | 10,43,061                            | 9,89,256                             | 20,228.64                         | 19,582.61                         | 13,508.77                            |
| 21    | Manipur           | 56,047                               | 22,466                               | 22,466                               | 582.37                            | 468.54                            | 651.75                               |
| 22    | Meghalaya         | 7,072                                | 2,841                                | 2,841                                | 76.70                             | 33.17                             | 30.18                                |
| 23    | Mizoram           | 39,616                               | 33,946                               | 33,946                               | 520.36                            | 502.42                            | 364.72                               |
| 24    | Nagaland          | 31,067                               | 30,147                               | 30,115                               | 443.36                            | 408.27                            | 323.35                               |
| 25    | Odisha            | 2,23,972                             | 1,69,067                             | 1,64,771                             | 2,790.26                          | 2,429.63                          | 1,445.25                             |
| 26    | Puducherry (UT)   | 18,253                               | 12,543                               | 12,543                               | 252.88                            | 197.85                            | 199.66                               |
| 27    | Punjab            | 1,50,610                             | 1,02,370                             | 1,02,068                             | 2,192.73                          | 1,846.09                          | 1,567.66                             |
| 28    | Rajasthan         | 3,48,053                             | 2,64,828                             | 2,59,395                             | 5,592.16                          | 5,066.11                          | 3,754.21                             |
| 29    | Sikkim            | 299                                  | 219                                  | 219                                  | 7.09                              | 4.30                              | 3.60                                 |
| 30 31 | Tamil Nadu        | 6,79,186                             | 6,20,093                             | 5,73,967 1,86,513                    | 10,741.94                         | 10,374.69                         | 6,592.56                             |
|       | Telangana         | 3,62,294                             | 2,25,397                             |                                      | 3,972.99                          | 3,780.22                          | 1,794.00                             |
| 32    | Tripura           | 90,315                               | 81,921                               | 81,921                               | 1,363.72                          | 1,254.55                          | 706.06                               |
| 33    | UT of DNH & DD    | 10,367                               | 9,933                                | 9,807                                | 209.97                            | 194.99                            | 126.03                               |
| 34    | Uttar Pradesh     | 21,02,327                            | 17,17,547                            | 16,83,534                            | 28,716.78                         | 26,723.39                         | 18,175.62                            |
| 35    | Uttarakhand       | 66,577                               | 51,565                               | 43,119 5,08,673                      | 1,112.75                          | 984.16                            | 620.00                               |
| 36    | West Bengal       | 6,18,380                             | 5,09,483                             | 94,59,964                            | 8,919.47                          | 8,525.81                          | 5,168.97                             |
|       | Total *           | 1,22,28,130                          | 97,01,870                            |                                      | 1,76,510.00                       | 1,66,413.51                       | 1,21,168.99                          |