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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 (PMAY-
U) 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
…2/--2-
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).
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.
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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.
*****Annexure referred in reply to LSUQ No. 218 due for 29.01.2026
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
Physical Progress of Houses (Nos.) Central Assistance (₹ in Crore)
Fund
Sl
State Utilised
No Sanctioned Completed Occupied Release 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 Tamil Nadu 6,79,186 6,20,093 5,73,967 10,741.94 10,374.69 6,592.56
31 Telangana 3,62,294 2,25,397 1,86,513 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 1,112.75 984.16 620.00
36 West Bengal 6,18,380 5,09,483 5,08,673 8,919.47 8,525.81 5,168.97
Total * 1,22,28,130 97,01,870 94,59,964 1,76,510.00 1,66,413.51 1,21,168.99
* Includes completed (3.42 lakh) & occupied (4.90 lakh) houses of JnNURM during mission period.