Parliament Question: PMAY-Urban 2.0 and affordable housing

GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS RAJYA SABHA UNSTARRED QUESTION NO. 3417 ANSWERED ON 23/03/2026 PMAY-URBAN 2.0 AND AFFORDABLE HOUSING 3417. SHRI RAJINDER GUPTA: Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state: (a) whether Government has intensified measures under PMAY-Urban 2.0 to achieve full saturation of affordable housing across the country and if so, the details thereof; (b) progress made in this regard, State/UT-wise, especially with respect to cities in the State of Punjab; (c) whether Government has assessed the challenges in inclusion of migrant workers and slum redevelopment under the scheme and if so, the key findings; (d) the challenges faced in implementation, including land availability, financing gaps and urban local body capacity; and (e) the measures proposed to address such challenges and accelerate achievement of housing saturation targets under PMAY-Urban 2.0? 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 all eligible urban beneficiaries across the country. The scheme period of PMAY-U has been extended up to 30th September 2026 for completion of under-construction houses and release of funds through SNA-SPARSH module. 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). PMAY-U and PMAY-U 2.0 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. Eligible citizens are also allowed to apply through Unified Web Portal of PMAY-U 2.0 with all details on the portal. States/UTs/ULBs validate the beneficiaries as per the eligibility criteria of the scheme guidelines and selection/scrutiny of beneficiary lists are done by the States/UTs. The Scheme Guidelines and Unified Web Portal for submitting the online applications can be accessed through https://pmay-urban.gov.in. 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 the Central Sanctioning and Monitoring Committee (CSMC). …2/--2- Based on the project proposal submitted by States/UTs, a total of 125.15 lakh houses including 13.67 lakh under PMAY-U 2.0 including Punjab, have been sanctioned by the Ministry, so far across the country. Of the sanctioned houses, 116.57 lakh houses have been grounded; of which 97.30 lakh are completed/delivered to the beneficiaries as on 02.03.2026. The State/UT-wise details of houses sanctioned, ground and completed including Punjab are at Annexure. As per Scheme Guidelines of PMAY-U 2.0, State/UT Governments can propose projects for providing pucca houses in tenable slums with list of eligible beneficiaries for sanctioning of Central Assistance under BLC vertical. Similarly, States/UTs may also propose ‘Redevelopment’ or ‘In-situ Improvement’ projects for tenable slums having dilapidated buildings located on Government/ULB/Public land under AHP vertical. Further, based on the learnings of ARHCs, a dedicated vertical of ARH has been provisioned under PMAY-U 2.0 with the basic purpose of promoting construction of affordable rental housing close to the workplaces of the intended beneficiaries. The ARH vertical aims to create a conducive environment for construction of adequate rental housing for eligible beneficiaries including urban migrants/industrial workers/working women/students/urban poor etc. (d) & (e): It has been observed that the major challenges faced by the implementing agencies under PMAY-U include non-availability of encumbrance-free land, financial constraints of States and beneficiaries, issues related to trunk infrastructure, increase in the cost of construction materials, delays in obtaining statutory clearances/No Objection Certificates (NOCs) and disruptions caused by unforeseen circumstances. The Ministry conducts regular review with the States/UTs on progress of the scheme including timely submission of compliances by States/UTs for subsequent release of Central Assistance and its utilization. Various measures are being taken by the Government to address the challenges faced in the implementation of PMAY-U and accelerate achievement of housing saturation. PMAY-U 2.0 supports States/UTs for formulation and implementation of ‘Affordable Housing Policies’ to incentivize private sector participation through appropriate regulatory, fiscal and institutional measures to make the housing stock affordable in urban areas. The Scheme Guidelines can be accessed at https://pmay- urban.gov.in/uploads/guidelines/Operational-Guidelines-of-PMAY-U-2.pdf. 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) to enhance the credit accessibility and worthiness of eligible households by extending the guarantee on the housing loan taken from Scheduled Commercial Banks, Housing Finance Companies (HFCs) etc. thereby making the houses affordable. 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 loans to PMAY-U 2.0 beneficiaries through tripartite agreement. *****Annexure referred in reply to RS USQ No. 3417 due for answer on 23.03.2026 State/UT-wise details of houses sanctioned, grounded and completed including Punjab under PMAY-U & PMAY-U 2.0 S. Name of the State/UT Physical Progress of Houses (Nos.) No. Sanctioned Grounded ompleted 1 setatS Andhra Pradesh 19,55,310 18,37,541 11,24,209 2 Bihar 4,45,135 3,91,648 1,98,765 3 Chhattisgarh 3,34,502 2,95,472 2,63,109 4 Goa 3,176 3,176 3,176 5 Gujarat 10,98,858 10,09,918 9,75,081 6 Haryana 1,32,982 86,861 73,313 7 Himachal Pradesh 14,027 13,087 11,923 8 Jharkhand 2,43,368 2,10,752 1,66,291 9 Karnataka 5,77,804 4,98,592 3,99,258 10 Kerala 1,62,159 1,55,633 1,39,805 11 Madhya Pradesh 10,11,558 9,67,393 8,99,293 12 Maharashtra 13,49,934 11,87,750 10,48,128 13 Odisha 2,30,846 1,94,872 1,69,494 14 Punjab 1,57,889 1,27,892 1,02,595 15 Rajasthan 3,66,612 3,17,204 2,67,251 16 Tamil Nadu 6,85,031 6,69,221 6,20,420 17 Telangana 3,80,662 2,56,654 2,25,800 18 Uttar Pradesh 21,33,963 18,47,866 17,18,783 19 Uttarakhand 66,692 63,943 51,871 20 West Bengal 6,25,664 6,09,997 5,11,916 Sub-total (States) 1,19,76,172 1,07,45,472 89,70,481 21 setatS nretsaE htroN Arunachal Pradesh 14,400 12,186 8,642 22 Assam 1,87,032 1,77,887 1,44,666 23 Manipur 56,047 50,426 22,506 24 Meghalaya 7,072 4,156 2,841 25 Mizoram 39,616 39,173 33,950 26 Nagaland 32,394 31,060 30,152 27 Sikkim 299 299 219 28 Tripura 90,318 88,689 82,167 Sub-total (NE States) 4,27,178 4,03,876 3,25,143 29 seirotirreT noinU A&N Islands 261 261 234 30 Chandigarh 1,279 1,279 1,279 31 D&NH and D&D 10,464 10,464 10,030 32 Delhi 32,466 32,466 32,466 33 J&K 45,982 42,993 35,245 34 Ladakh 1,434 1,032 968 35 Puducherry 19,777 18,079 12,548 Sub-total (UTs) 1,11,663 1,06,574 92,770 Grand Total 125.15 Lakh 116.57 Lakh* 97.30 Lakh* * Includes completed (3.42 lakh), grounded (4.01 lakh) houses of JnNURM during mission period.