Parliament Question: Credit-Linked Support and Financial Assistance under PMAY-U 2.0

O.I.H.

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 PMAY- U 2.0 houses sanctioned, completed and occupied in Karnataka, district- wise;

(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;

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(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/UT- wise 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.

…3/--3- 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.

*****Annexure-I referred in reply to LSUQ No. 751 due for 04.12.2025 State wise/UT-wise data on loan guarantee under CRGFTLIH including in the State of Karnataka and Odisha S. No. State/UT Number of Loan Amount Loans Guaranteed 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 5,027 49,324Annexure-II referred in reply to LSUQ No. 751 due for 04.12.2025 Category-wise distribution (SC/ST/OBC/Women) of loans guaranteed under CRGFTLIH Scheme in Shivamogga district Category Wise Under CRGFTLIH Distribution Number of Loans Loan Amount Guaranteed Guaranteed (Rs. In lakh) SC Nil Nil ST Nil Nil OBC 1 4 Women 5 22Annexure-III referred in reply to LSUQ No. 751 due for 04.12.2025 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 Number of Loans Loan Amount Guaranteed 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 907Annexure-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