**Executive Summary**
This document is the response to Unstarred Question No. 751 in Lok Sabha, to be answered on December 4, 2025, concerning the Credit-Linked Support and Financial Assistance under PMAY-U 2.0. It provides details on the role of the Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH), its implementation, and the number of beneficiaries assisted, with specific focus on Karnataka and Odisha. The response also includes data on loans guaranteed and houses sanctioned under the PMAY-U 2.0 scheme in various districts and categories.
**Key Points / Main Content**
* **CRGFTLIH Scheme:**
* Aims to guarantee affordable housing loans up to ₹20 lakh sanctioned and disbursed by Member Lending Institutions (MLIs) to eligible beneficiaries of EWS and LIG categories under PMAY-U 2.0.
* Seeks to enhance the confidence of lending institutions and strengthen access to housing finance, particularly for those with informal income sources.
* 55 MLIs are registered under the CRGFTLIH Scheme up to 31.10.2025.
* The scheme was launched on 15.01.2025, and no loans were guaranteed during FY 2024-25.
* 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 are at Annexure I.
* **PMAY-U 2.0 Implementation:**
* Implemented through four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS).
* ISS vertical implemented through Central Nodal Agencies (CNAs).
* States/UTs are encouraged to facilitate eligible beneficiaries by organizing loan melas and conducting monthly reviews with Primary Lending Institutions (PLIs).
* Department of Financial Services developed a special Home Loan Product in association with Indian Bank Associations for timely housing loans.
* 17 beneficiaries of Durg district of Chhattisgarh received ₹4.8 lakh as the 1st installment of interest subsidy.
* **Karnataka Specifics:**
* Category-wise distribution (SC/ST/OBC/Women) of loans guaranteed under CRGFTLIH Scheme in Shivamogga district is at Annexure II.
* District-wise details of beneficiaries assisted through CRGFTLIH and the total amount of credit facilitated are given in Annexure III.
* The Government of Karnataka has not proposed any houses under BLC, AHP, and ARH verticals of PMAY-U 2.0.
* CNAs have extended benefits of ISS verticals to 516 beneficiaries in Karnataka, with district-wise details in Annexure IV.
**Impact Analysis**
**Beneficiaries (Low-Income Households, Informal-Sector Workers, Urban Poor, Slum Dwellers):**
* **Impact:** Increased access to housing finance and interest subsidies under PMAY-U 2.0 through the CRGFTLIH scheme.
* **Action Required:** Utilize available credit-linked support and subsidy options, and engage with PLIs to resolve challenges in availing benefits.
**Lending Institutions (Banks, NBFCs, Housing Finance Companies):**
* **Impact:** Enhanced confidence in lending to EWS and LIG categories, supported by the CRGFTLIH scheme.
* **Action Required:** Register under the CRGFTLIH scheme and extend credit confidently, utilizing the supportive framework.
**State/UT Governments (including Karnataka and Odisha):**
* **Impact:** Responsible for implementing BLC, AHP, and ARH verticals, and facilitating beneficiary access to ISS.
* **Action Required:** Encourage eligible beneficiaries to avail the Interest Subsidy Scheme, organize loan melas, and conduct monthly reviews with PLIs. The Government of Karnataka should propose houses under the verticals of PMAY-U 2.0 (BLC, AHP and ARH).
**Central Nodal Agencies (CNAs):**
* **Impact:** Implement the Interest Subsidy Scheme (ISS) vertical.
* **Action Required:** Extend benefits of the ISS verticals.
Key Entities Referenced
Pradhan Mantri Awas Yojana - Urban (PMAY-U) 2.0: A revamped scheme launched to provide all weather pucca houses with basic civic amenities to eligible urban beneficiaries across the country.
Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH): A scheme that aims to guarantee affordable housing loans for Low Income Housing.
Ministry of Housing and Urban Affairs (MoHUA): The ministry implementing the PMAY-U and overseeing the CRGFTLIH scheme.
Karnataka: One of the states for which specific details are requested in the parliamentary question regarding PMAY-U and CRGFTLIH.
Odisha: One of the states for which specific details are requested in the parliamentary question regarding PMAY-U and CRGFTLIH.
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;
…2/--2-
(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