Executive Summary:
The Ministry of Housing and Urban Affairs (MoHUA) is implementing the Pradhan Mantri Awas Yojana-Urban (PMAY-U) to provide pucca houses with basic amenities to eligible urban beneficiaries. The scheme has been extended to December 31, 2025, for completing sanctioned houses, and PMAY-U 2.0 was launched on September 1, 2024, to construct, purchase, and rent houses for an additional one crore beneficiaries in the next five years. There is no proposal to revise the central assistance for the scheme.
Key Points / Main Content:
* **PMAY-U Implementation:**
* PMAY-U aims to provide all-weather pucca houses with basic civic amenities to all eligible urban beneficiaries across the country.
* The scheme period has been extended up to December 31, 2025, to complete sanctioned houses.
* **PMAY-U 2.0:**
* Launched on September 1, 2024, to construct, purchase, and rent houses for one crore additional beneficiaries in the next five years.
* Implemented through four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS).
* **Funding and Implementation:**
* BLC, AHP, and ARH are implemented as Centrally Sponsored Schemes (CSS) through States and Union Territories (UTs).
* ISS is implemented as a Central Sector Scheme through Central Nodal Agencies (NHB, SBI, and HUDCO).
* **Progress:**
* 119.25 lakh houses sanctioned, including 7.09 lakh under PMAY-U 2.0.
* 112.81 lakh houses grounded and 93.60 lakh completed/delivered as of July 14, 2025.
* **Funding Pattern:**
* Funds are shared between the Central Government, State/UT Government, Urban Local Bodies (ULBs)/Implementing agencies, and beneficiaries.
* Government assistance under BLC/AHP for Northeastern States, Uttarakhand, Himachal Pradesh, UTs of Jammu & Kashmir, Puducherry and Delhi is 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.
* **Central Assistance Revision:**
* There is no proposal to revise the Central Assistance for the scheme.
* **Fund Release:**
* State-wise details of funds released under PMAY-U/PMAY-U 2.0 for the current financial year are provided in Annexure, including details for Kerala.
Impact Analysis:
* **Beneficiaries:**
* *Impact:* Access to affordable pucca houses with basic amenities.
* *Action Required:* Arrange funds from other sources in addition to government assistance to construct houses.
* **State/UT Governments and Urban Local Bodies (ULBs):**
* *Impact:* Implementation of PMAY-U and PMAY-U 2.0, including project proposal submission and fund sharing.
* *Action Required:* Submit project proposals, provide their share of funding, and ensure effective implementation of the scheme.
* **Central Nodal Agencies (NHB, SBI, HUDCO):**
* *Impact:* Implementation of the Interest Subsidy Scheme (ISS) vertical of PMAY-U 2.0.
* *Action Required:* Facilitate interest subsidies to eligible beneficiaries.
Key Entities Referenced
Pradhan Mantri Awas Yojana Urban: A Government of India scheme (PMAYU) under the Ministry of Housing and Urban Affairs, aimed at providing pucca houses with basic amenities to eligible urban beneficiaries.
PMAYU 2.0 Housing for All Mission: A revamped version of the Pradhan Mantri Awas Yojana Urban (PMAYU), launched on 01.09.2024, with the aim to construct, purchase, and rent houses for 1 crore additional eligible beneficiaries in the next five years.
Ministry of Housing and Urban Affairs: The Indian government ministry responsible for the Pradhan Mantri Awas Yojana Urban (PMAYU) scheme.
Kerala: A state in India for which specific details regarding fund allocation under PMAYU are requested and provided.
National Housing Bank: A Central Nodal Agency (NHB) implementing the Interest Subsidy Scheme (ISS) vertical of PMAYU 2.0.
State Bank of India: A Central Nodal Agency (SBI) implementing the Interest Subsidy Scheme (ISS) vertical of PMAYU 2.0.
Housing and Urban Development Corporation Ltd.: A Central Nodal Agency (HUDCO) implementing the Interest Subsidy Scheme (ISS) vertical of PMAYU 2.0.
Uttarakhand: A state in India that receives government assistance under BLCAHP verticals of PMAYU 2.0 at a ratio of 90:10.
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 842
TO BE ANSWERED ON JULY 24, 2025
CENTRAL ASSISTANCE UNDER PMAY-U
NO. 842. SHRI KODIKUNNIL SURESH:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state:
(a) whether the Government is aware that the current central assistance
provided under the Pradhan Mantri Awas Yojana - Urban (PMAY-U) is
insufficient for the construction of a basic pucca house;
(b) if so, whether any proposal is under consideration to increase the central
share of assistance to align with rising construction costs;
(c) if so, the details thereof and proposed timeline for such a revision; and
(d) the allocation of funds made under PMAY-U for the current financial year,
State-wise, particularly for Kerala?
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 all eligible urban beneficiaries across the country.
The scheme period 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). The BLC, AHP and
ARH verticals of the scheme are implemented as Centrally Sponsored
Scheme (CSS) through States and Union Territories (UTs). The ISS
vertical is implemented as a Central Sector Scheme through Central
Nodal Agencies such as National Housing Bank (NHB), State Bank of
India (SBI) and Housing and Urban Development Corporation Ltd.
(HUDCO).
…2/--2-
Based on the project proposal submitted by States/UTs, a total of
119.25 lakh houses including 7.09 lakh under PMAY-U 2.0 have been
sanctioned by the Ministry, so far. Out of which 112.81 lakh houses
have been grounded and 93.60 lakh are completed/delivered to the
beneficiaries across the country as on 14.07.2025.
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.
State-wise details of fund released through SNA/SNA Sparsh under
PMAY-U & PMAY-U 2.0 for the current financial year, including State of
Kerala is at Annexure.
*****Annexure referred in reply to LS USQ No. 842 due for answer on 24.07.2025
State-wise details of fund released under PMAY-U & PMAY-U 2.0 for the
current financial year, including State of Kerala
S. Central Assistance released during
State/UT
No. 2025-26 (₹ in crore)
1
setatS
Andhra Pradesh -
2 Bihar 922.74
3 Chhattisgarh 50.00
4 Goa -
5 Gujarat 99.95
6 Haryana 50.00
7 Himachal Pradesh 3.00
8 Jharkhand 226.25
9 Karnataka 205.20
10 Kerala 122.24
11 Madhya Pradesh -
12 Maharashtra -
13 Odisha 104.76
14 Punjab 143.13
15 Rajasthan 502.85
16 Tamil Nadu 88.27
17 Telangana 169.99
18 Uttar Pradesh 738.83
19 Uttarakhand 54.81
20 West Bengal 716.29
Sub-total (States) 4,198.32
21
setatS
tsaE
htroN
Arunachal Pradesh 8.49
22 Assam 124.15
23 Manipur -
24 Meghalaya 15.47
25 Mizoram 24.95
26 Nagaland -
27 Sikkim -
28 Tripura 49.03
Sub-total (NE States) 222.09
29
seirotirreT
noinU
A&N Islands -
30 Chandigarh -
31 D&NH and D&D -
32 Delhi -
33 J&K -
34 Ladakh -
35 Lakshadweep -
36 Puducherry 4.02
Sub-total (UTs) 4.02
Total 4,424.43