Executive Summary:
The Ministry of Housing and Urban Affairs addresses a query regarding Pradhan Mantri Awas Yojana Urban (PMAYU) 2.0, launched on September 1, 2024. The scheme aims to provide all-weather pucca houses with basic amenities to eligible urban beneficiaries. It builds upon the initial PMAYU scheme, incorporating lessons from its nine years of implementation, and targets an additional one crore beneficiaries.
Key Points / Main Content:
* **PMAYU 2.0 Overview:**
* Launched on September 1, 2024, to support one crore additional eligible beneficiaries.
* Implements four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS).
* BLC, AHP, and ARH are implemented as Centrally Sponsored Schemes (CSS) through States/UTs.
* ISS is implemented as a Central Sector Scheme through Central Nodal Agencies (NHB, SBI, HUDCO).
* **Financial Provisions:**
* Funding is shared between Central Government, State/UT Government/ULBs, Implementing agencies, and beneficiaries.
* States have mandatory shares with the flexibility to increase their contribution to ensure affordability.
* Government of India provides fixed Central Assistance under different verticals (details in Annexure I).
* **Beneficiary Prioritization:**
* Preference given to widows, single women, persons with disabilities, senior citizens, transgenders, Scheduled Castes/Tribes, minorities, and other vulnerable sections.
* Special focus on Safai Karmi, street vendors (PM SVANidhi), artisans (PM Vishwakarma Scheme), Anganwadi workers, construction workers, and slum/chawl residents.
* **Credit Access:**
* Credit Risk Guarantee Fund Trust for Low-Income Housing (CRGFTLIH) restructured for EWS/LIG categories.
* Aims to enhance credit accessibility by guaranteeing housing loans.
* States/UTs expected to facilitate home loans through tripartite agreements.
* **Project Monitoring and Timelines:**
* Project completion timelines vary (12-36 months) based on the Detailed Project Reports (DPRs).
* Completion depends on land availability, statutory compliances, and beneficiary funding.
* Ministry conducts regular reviews with States/UTs to monitor and expedite project completion.
* **Implementation Process:**
* Demand-driven scheme without fixed State-wise targets.
* States/UTs assess requirements, select beneficiaries, and implement projects.
* Project proposals are prepared and approved by the State Level Sanctioning and Monitoring Committee (SLSMC).
* Central Assistance is considered by the Central Sanctioning and Monitoring Committee (CSMC).
* Prospective beneficiaries can apply on the unified web portal (https:pmayurban.gov.in).
* **Maharashtra and Sangli Constituency Status (Annexure II):**
* Details provided on houses sanctioned, grounded, completed, and central assistance sanctioned and released for Maharashtra and Sangli parliamentary constituency under PMAYU.
Impact Analysis:
* **Urban Poor / Economically Weaker Sections (EWS) / Low-Income Groups (LIG):**
* Impact: Increased access to affordable housing and improved living conditions through various scheme verticals.
* Action Required: Apply for the scheme through the unified web portal and fulfill eligibility criteria.
* **State Governments / Union Territories (UTs):**
* Impact: Responsible for implementing the scheme, contributing financially, and monitoring project progress.
* Action Required: Assess housing requirements, select beneficiaries, prepare project proposals, and ensure timely project completion.
* **Urban Local Bodies (ULBs) / Implementing Agencies:**
* Impact: Implementing the scheme at the local level and ensuring the quality of construction.
* Action Required: Facilitate beneficiary applications, oversee construction, and ensure adherence to scheme guidelines.
* **Central Nodal Agencies (NHB, SBI, HUDCO):**
* Impact: Implementing the Interest Subsidy Scheme (ISS) and providing financial assistance.
* Action Required: Process subsidy applications and provide affordable home loans to eligible beneficiaries.
Key Entities Referenced
Pradhan Mantri Awas Yojana Urban 2.0: A revamped version of the Pradhan Mantri Awas Yojana Urban (PMAYU) scheme, also referred to as PMAYU 2.0, aimed at providing housing for all in urban areas.
Ministry of Housing and Urban Affairs: The Indian government ministry responsible for the Pradhan Mantri Awas Yojana Urban scheme and urban development initiatives.
Sangli Lok Sabha Constituency, Maharashtra: A parliamentary constituency in Maharashtra, India, used as a specific example area in the policy document regarding the progress of housing initiatives under PMAYU.
Beneficiary Led Construction: One of the four verticals of PMAYU 2.0, where beneficiaries construct their own houses with government assistance.
Affordable Housing in Partnership: One of the four verticals of PMAYU 2.0, involving partnerships for affordable housing projects.
Affordable Rental Housing: One of the four verticals of PMAYU 2.0, focusing on creating affordable rental housing options.
Interest Subsidy Scheme: One of the four verticals of PMAYU 2.0, providing interest subsidies on home loans.
Maharashtra: A state in India, for which housing data under PMAYU is provided, including data for the Sangli Lok Sabha constituency within the state.
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
STARRED QUESTION NO. 275
TO BE ANSWERED ON AUGUST 07, 2025
PRADHAN MANTRI AWAS YOJANA - URBAN 2.0
NO.275. SHRI VISHALDADA PRAKASHBAPU PATIL:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased
to state:
(a) whether the Government proposes to launch the Pradhan
Mantri Awas Yojana - Urban (PMAY-U) 2.0 to enhance housing
support for urban poor and if so, the details thereof;
(b) the additional incentives and benefits proposed under PMAY-U
2.0 to address housing challenges for underprivileged families;
(c) the progress achieved in the first phase of the said yojana,
particularly in Sangli Lok Sabha Constituency in delivering
houses to the urban beneficiaries;
(d) the steps taken/being taken by the Government to ensure
timely delivery and quality of housing projects under this
yojana; and
(e) the roadmap prepared by the Government to achieve the goal
of "Housing for All" under the new phase of the PMAY-U?
ANSWER
THE MINISTER OF HOUSING AND URBAN AFFAIRS
(SHRI MANOHAR LAL)
(a) to (e): A statement is laid on the Table of the House.STATEMENT REFERRED TO IN REPLY TO LOK SABHA STARRED
QUESTION NO. 275 TO BE ANSWERED ON 07-08-2025 REGARDING
“PRADHAN MANTRI AWAS YOJANA - URBAN 2.0”.
(a)&(b) The Ministry of Housing and Urban Affairs supplements
efforts of States/UTs by providing Central Assistance under 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 learning from the experiences of 9 years
implementation of PMAY-U, MoHUA has already 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 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).
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/ULBs/
Implementing agencies and the beneficiaries. States share has been
defined and made mandatory with flexibility to the State(s) to
increase their share to ensure affordability of houses to the
prospective beneficiaries. A fixed amount of Central Assistance is
provided by Government of India under different verticals with State
share is indicated in the Annexure-I.
As per the scheme guidelines of PMAY-U 2.0, preference under
the scheme is given to Widows, single women, Persons with
Disabilities, Senior Citizens, Transgenders, persons belonging to
Scheduled Castes/ Scheduled Tribes, Minorities and other weaker
and vulnerable sections of the society. Special focus will be givento Safai Karmi, Street Vendors identified under PM SVANidhi
Scheme and different artisans under PM Vishwakarma Scheme,
Anganwadi workers, building and other construction workers,
residents of slums/chawls and other groups identified during
operation of PMAY-U 2.0.
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, thereby directly contributing to the program’s
objectives. States/UTs are also expected to facilitate home loan to
PMAY-U 2.0 beneficiaries through tripartite agreement.
(c)&(d) The details of houses sanctioned, grounded and
completed as well as central assistance sanctioned and released
for the State of Maharashtra and along with Sangli parliament
constituency, Maharashtra under PMAY-U is at Annexure-II.
The timeline for completion of houses/projects varies from
State to State and it generally takes 12-36 months in different
verticals of the scheme and as per Detailed Project Reports (DPRs)
of respective projects. The completion timeline for houses depends
on various factors including availability of encumbrance free land,
statutory compliances for start of construction, arrangement of
funds by beneficiaries etc. The Ministry conducts regular reviews
with the States/UTs to monitor progress of implementation of the
scheme and expedite completion of sanctioned houses within the
stipulated timeline.
(e) PMAY-U 2.0 is demand driven scheme and there are no fixed
State wise targets. States/UTs assess the requirement through their
Urban Local Bodies (ULBs)/Implementing Agencies in their
respective jurisdictions, select the beneficiaries based on eligibility
criteria and implement housing projects. Based on the demand
survey and selection of beneficiaries, the project proposals areprepared 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).
Prospective beneficiaries can apply on unified web-portal available
at https://pmay-urban.gov.in.
******Annexure-I referred in reply to LS SQ No.275 due for 07-08-2025
Details of amount of Central Assistance is provided by Govt. of India
under different verticals and mandatory State share
S. States/UTs PMAY-U 2.0 Verticals
No. BLC & AHP ARH ISS
1. North-Eastern Central Govt. - Technology Home Loan
States, Himalayan ₹2.25 lakh per Innovation Subsidy –
States and UTs unit Grant up to ₹1.80
with legislature State Govt. - GoI: lakh (Actual
(Assam, Min. ₹0.25 lakh ₹3,000/Sqm. Release)
Arunachal per unit per unit per unit by
Pradesh, State Government
Meghalaya, Share: of India as
Manipur, Mizoram, ₹2,000/Sqm. Central
Nagaland, Tripura, per unit Sector
Sikkim, Himachal Scheme
Pradesh,
Uttarakhand, UTs
of Jammu and
Kashmir,
Puducherry &
Delhi)
2. All UTs without Central Govt. -
legislature ₹2.50 lakh per
unit
3. All other States Central Govt. -
₹1.50 lakh per
unit
State Govt. -
Min. ₹1.00 lakh
per unitAnnexure-II referred in reply to LS SQ No.275 due for 07-08-2025
Details of houses sanctioned, grounded and completed as well as central
assistance sanctioned and released for the State of Maharashtra and
along with Sangli parliament constituency, Maharashtra under PMAY-U
Sangli
Sr.
Particulars Maharashtra
Parliament
No.
Constituency
Houses Sanctioned
1 12,49,047 8,960
(Nos)
Houses Grounded for
2 11,49,437 8,716
Construction (Nos)
Constructions of
Houses
3 9,93,361 7,970
Completed (Nos)
Central Assistance
4 23,815.27 178.92
Sanctioned
(₹ in Cr.)
Central Assistance
5 19,636.93 160.67
Released
(₹ in Cr.)