**Executive Summary**
This document is a response to Unstarred Question No. 3191 in the Lok Sabha regarding the Affordable Housing Partnership (AHP) under the Pradhan Mantri Awas Yojana Urban (PMAY-U) scheme. The Ministry of Housing and Urban Affairs (MoHUA) provides updates on the PMAY-U scheme and its revamped version, PMAY-U 2.0, launched on September 1, 2024. The implementation period of PMAY-U scheme has been extended up to 31.12.2025 to complete sanctioned houses.
**Key Points / Main Content**
* **PMAY-U Implementation and Extension:**
* PMAY-U has been implemented since June 25, 2015, to provide pucca houses with basic amenities to eligible urban beneficiaries.
* The implementation period has been extended to December 31, 2025, to complete sanctioned houses without changing the funding pattern.
* **PMAY-U 2.0 Launch and Objectives:**
* MoHUA revamped the scheme, launching PMAY-U 2.0 "Housing for All" Mission, effective September 1, 2024.
* Objective: to construct, purchase, or rent houses for 1 crore additional beneficiaries at an affordable cost in the next five years.
* PMAY-U 2.0 is implemented through four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS).
* **AHP Vertical Implementation:**
* AHP vertical of PMAY-U 2.0 is implemented through two models:
* Model-1: Construction by Public Sector agencies and parastatals.
* Model-2: Private sector AHP projects – ownership through purchase from whitelisted private sector projects using Housing Vouchers.
* **State/UT Requirements and Funding:**
* States/UTs are required to formulate an "Affordable Housing Policy" and adopt key reforms.
* Funds for purchase/construction are shared between the Central Government, State/UT Government, Urban Local Bodies (ULBs), implementing agencies, and beneficiaries.
* States/UTs may enhance their share to reduce the burden on beneficiaries.
* Government Assistance sharing ratios vary by region (90:10 for North-eastern States, Uttarakhand, Himachal Pradesh, UTs of Jammu & Kashmir, Puducherry, and Delhi; 100:0 for remaining UTs; 60:40 for other States).
* State/UT share is mandatory.
* State/UT Governments may provide additional top-up share to increase affordability.
* **Credit Risk Guarantee Fund Trust:**
* Government of India restructured the Credit Risk Guarantee Fund Trust for Low-Income Housing (CRGFTLIH) for Economically Weaker Sections (EWS) and Low-Income Groups (LIG).
* Aims to enhance credit accessibility by guaranteeing housing loans from Scheduled Commercial Banks, HFCs, etc.
* Supports eligible PMAY-U 2.0 beneficiaries in EWS/LIG categories.
* States/UTs are expected to facilitate home loans to PMAY-U 2.0 beneficiaries through tripartite agreements.
**Impact Analysis**
**Central Government (MoHUA)**
* **Impact:** Responsible for implementing and overseeing the PMAY-U and PMAY-U 2.0 schemes, as well as managing the Credit Risk Guarantee Fund Trust.
* **Action Required:** Continue implementing and monitoring PMAY-U 2.0, ensuring adherence to guidelines and coordinating with States/UTs.
**State/UT Governments**
* **Impact:** Responsible for formulating Affordable Housing Policies, sharing funding, and facilitating implementation at the local level.
* **Action Required:** Formulate Affordable Housing Policies, provide the mandatory State/UT share, and facilitate home loans to beneficiaries through tripartite agreements.
**Urban Local Bodies (ULBs) / Implementing Agencies**
* **Impact:** Involved in the implementation of the scheme at the local level.
* **Action Required:** Coordinate with the State/UT governments to facilitate the implementation of the scheme.
**Beneficiaries (EWS/LIG Households)**
* **Impact:** Aims to provide affordable housing options through construction, purchase, or rental assistance.
* **Action Required:** Avail themselves of the benefits under PMAY-U 2.0 and secure housing loans through financial institutions, facilitated by State/UTs.
**Scheduled Commercial Banks, HFCs**
* **Impact:** Housing loans are guaranteed, to enhance credit accessibility.
* **Action Required:** Extend credit to PMAY-U 2.0 beneficiaries.
Key Entities Referenced
Pradhan Mantri Awas Yojana Urban (PMAY-U): A scheme implemented by the Ministry of Housing and Urban Affairs to provide affordable housing in urban areas.
Affordable Housing in Partnership (AHP): A vertical under the PMAY-U scheme.
Ministry of Housing and Urban Affairs (MoHUA): The ministry responsible for implementing the PMAY-U scheme.
Credit Risk Guarantee Fund Trust for Low-Income Housing (CRGFTLIH): A fund to enhance credit accessibility for EWS/LIG households under PMAY-U 2.0.
PMAY-U 2.0: The revamped version of the Pradhan Mantri Awas Yojana Urban scheme.
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 3191
TO BE ANSWERED ON DECEMBER 18, 2025
AFFORDABLE HOUSING PARTNERSHIP
NO. 3191. SMT. JUNE MALIAH:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state:
(a) whether the Government intends to increase the Central assistance per
dwelling unit under Affordable Housing in Partnership (AHP) vertical in
response to increased construction cost, if so, the details thereof and if
not, the reasons therefor;
(b) whether the Government is not increasing the Central assistance only
because it would take more time and if so, the details thereof; and
(c) whether the Government has conducted any survey on increased cost of
construction, if so, the details thereof along with its impact on urban
landless, Economically Weaker Section (EWS) households and if not, the
reasons therefor?
ANSWER
THE MINISTER OF STATE IN THE
MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI TOKHAN SAHU)
(a) to (c): 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. 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 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 additional eligible beneficiaries at affordable cost 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).
…2/--2-
AHP vertical of PMAY-U 2.0 is implemented through two models:
Model-1: Construction of houses by Public Sector agencies and
parastatals.
Model-2: Private sector AHP projects- Ownership of house by purchase
from whitelisted private sector projects through Housing Voucher.
As per PMAY-U 2.0 guidelines, States/UTs are required to formulate
‘Affordable Housing Policy’ and adopt key reforms to attract private
investment and create an enabling eco-system for augmenting the
affordable housing stock in the country including the metro cities.
As per the scheme guidelines of PMAY-U 2.0, the fund required for
purchase/construction of houses under the scheme is shared between the
Central Government, State/UT Government/Urban Local Bodies
(ULBs)/Implementing agencies and the beneficiaries. The funding under
PMAY-U 2.0 is to provide a nudge to the beneficiaries and enable them to
construct their houses by arranging funds from other sources as well.
However, States/UTs may provide their enhanced share as per PMAY-U
2.0 guidelines to reduce the burden on beneficiaries. Government
Assistance under BLC/AHP verticals of PMAY-U 2.0 for North-eastern
States, Uttarakhand, Himachal Pradesh, UTs of Jammu & Kashmir,
Puducherry and Delhi have been fixed at a ratio of 90:10. For Remaining
UTs, the Central & State sharing ratio is 100:0 whereas for other States it
is on 60:40. There is no proposal to revise the Central Assistance for the
scheme. 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, thereby directly
contributing to the program’s objectives. States/UTs are also expected to
facilitate home loan to PMAY-U 2.0 beneficiaries through tripartite
agreement.
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