Home India HOUSING AND URBAN AFFAIRS Parliament Question: Progress made under PMAY-U...
Date: 2025-12-18 Category: Not Applicable State: Union Government Country: India

Parliament Question: Progress made under PMAY-U

Issued by HOUSING AND URBAN AFFAIRS · Not Applicable

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Executive Summary & Key Takeaways

**Executive Summary** This document presents the response from the Ministry of Housing and Urban Affairs (MoHUA) to an unstarred question in the Lok Sabha regarding progress made under the Pradhan Mantri Awas Yojana - Urban (PMAY-U). It details the achievements and modifications to the scheme, including the launch of PMAY-U 2.0, and outlines fund allocation and implementation strategies. The information provided pertains to the period ending November 24, 2025, and the question is due for answer on December 18, 2025. **Key Points / Main Content** * **Scheme Overview:** * PMAY-U has been implemented since June 25, 2015, to provide pucca houses with basic amenities to eligible urban beneficiaries. * The implementation period was extended to December 31, 2025, to complete sanctioned houses without changing the funding pattern. * **PMAY-U 2.0:** * Launched on September 1, 2024, with the aim to support 1 crore additional eligible beneficiaries in the next five years. * Implemented through four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS). * **Housing Sanction and Completion:** * 122.06 lakh houses have been sanctioned, including 10.43 lakh under PMAY-U 2.0. * 113.85 lakh houses have been grounded, and 96.02 lakh are completed/delivered as of November 24, 2025. * State/UT-wise details are available in Annexure-I. * **Funding and Affordability:** * Funds for construction are shared between the Central Government, State/UT Governments, ULBs, implementing agencies, and beneficiaries. * State/UT share is mandatory under PMAY-U 2.0, with the possibility of additional top-up shares. * **Credit Risk Guarantee Fund Trust:** * The Government of India has restructured the Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH) for Economically Weaker Section (EWS)/Low Income Group (LIG). * Aims to enhance credit accessibility by extending guarantees on housing loans. * Special Home Loan Products developed to help Beneficiaries of informal sectors. * **Technology & Innovation Sub-Mission (TISM):** * Established under PMAY-U 2.0 to support innovative design and construction practices. * Promotes adoption of suitable layout designs for various geo-climatic zones. * State/UT-wise and year-wise details of Central Assistance sanctioned, released and utilized during the last five years and the current year so far under PMAY-U & PMAY-U 2.0 are at Annexure-II. **Impact Analysis** **State/UT Governments/ULBs/Implementing Agencies** * **Impact:** Required to share funds for construction, provide a mandatory share, and potentially add top-up shares to increase affordability. They are also expected to facilitate home loans to PMAY-U 2.0 beneficiaries through tripartite agreements. * **Action Required:** Arrange funds for the scheme from various sources, ensure the State/UT share is provided, and facilitate tripartite agreements for home loans. **Eligible Urban Beneficiaries (including Slum Dwellers)** * **Impact:** Beneficiaries will have access to all-weather pucca houses with basic civic amenities. The scheme aims to make housing more affordable through shared funding and access to home loans. * **Action Required:** Arrange funds for the scheme from various sources, ensure the State/UT share is provided, and facilitate tripartite agreements for home loans. **Financial Institutions (Scheduled Commercial Banks, Housing Finance Companies etc.)** * **Impact:** Expected to provide affordable home loans to EWS/LIG beneficiaries and benefit from credit risk guarantees. * **Action Required:** Participate in the Credit Risk Guarantee Fund Trust, offer affordable home loans to eligible beneficiaries, and develop special Home Loan Products for the informal sector.

Key Entities Referenced

Pradhan Mantri Awas Yojana - Urban (PMAY-U): A housing scheme aimed at providing affordable pucca houses with basic amenities to eligible urban beneficiaries including slum dwellers across the country. Ministry of Housing and Urban Affairs (MoHUA): The central ministry responsible for the implementation and management of the PMAY-U scheme. Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH): A scheme providing credit guarantee to improve housing loan accessibility for Economically Weaker Sections (EWS) and Low Income Groups (LIG). Technology & Innovation Sub-Mission (TISM): A sub-mission under PMAY-U 2.0 established to support innovative and sustainable design and construction practices in housing. Dadra & Nagar Haveli: A Union Territory explicitly mentioned in the context of the PMAY-U scheme's implementation and progress reporting.
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O.I.H. GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA UNSTARRED QUESTION NO. 3074 TO BE ANSWERED ON DECEMBER 18, 2025 PROGRESS MADE UNDER PMAY-U NO. 3074. SMT. DELKAR KALABEN MOHANBHAI: Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state: (a) the details of the progress made in achieving the housing construction targets under the Pradhan Mantri Awas Yojana - Urban (PMAY-U) in the country; (b) the number of housing units completed and handed over to beneficiaries till date, State-wise/UT-wise including the Union Territory of Dadra & Nagar Haveli; (c) the status of fund utilisation under the Scheme during the last five years and the current year till date, year and State/UT-wise; and (d) the steps taken by the Government to make urban housing projects affordable and sustainable? 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 eligible urban beneficiaries including slum dwellers across the country. The implementation period of PMAY-U scheme, which was earlier up to 31.03.2022, has been extended up to 31.12.2025 to complete sanctioned houses without changing the funding pattern and implementation methodology. 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. The scheme 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). …2/--2- Based on the project proposal submitted by States/Union Territories (UTs), a total of 122.06 lakh houses, including 10.43 lakh under PMAY-U 2.0, have been sanctioned under the scheme by the Ministry, so far. Out of which, 113.85 lakh houses have been grounded, and 96.02 lakh are completed/delivered to the beneficiaries across the country as on 24.11.2025. The State/UT- wise details of houses sanctioned and completed/delivered to the beneficiaries under PMAY-U & PMAY-U 2.0 including the Union Territory of Dadra & Nagar Haveli are at Annexure-I. The State/UT- wise and year-wise details of Central Assistance sanctioned, released and utilized during the last five years and the current year so far under PMAY-U & PMAY-U 2.0 are at Annexure-II. (d): 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. The funding under the scheme is to provide a nudge to the beneficiaries and enable them to construct their houses by arranging funds from other sources as well. A fixed amount of Central Assistance is provided by Government of India under different verticals. 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, Housing Finance Companies (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. 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. …3/--3- 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 upscaling the deployment of modern construction technologies and material in place of conventional construction materials practices. *****Annexure-I referred in reply to LS USQ No. 3074 due for answer on 18.12.2025 State/UT-wise details of houses sanctioned and completed/delivered to the beneficiaries under PMAY-U & PMAY-U 2.0 including the Union Territory of Dadra & Nagar Haveli Physical Progress of Houses (Nos.) Name of the S. No. State/UT Sanctioned Completed/Delivered 1 setatS Andhra Pradesh 19,47,921 11,14,707 2 Bihar 4,45,057 1,97,190 3 Chhattisgarh 3,05,749 2,61,679 4 Goa 3,172 3,172 5 Gujarat 10,22,723 9,58,021 6 Haryana 1,32,626 72,257 7 Himachal Pradesh 14,017 11,863 8 Jharkhand 2,43,345 1,63,929 9 Karnataka 5,77,472 3,97,716 10 Kerala 1,62,101 1,38,512 11 Madhya Pradesh 10,00,700 8,89,367 12 Maharashtra 12,72,119 10,23,094 13 Odisha 2,23,951 1,68,285 14 Punjab 1,50,130 1,01,486 15 Rajasthan 3,46,239 2,55,541 16 Tamil Nadu 6,78,777 6,16,828 17 Telangana 3,62,173 2,24,254 18 Uttar Pradesh 21,01,051 17,14,741 19 Uttarakhand 66,341 45,124 20 West Bengal 6,17,572 4,97,474 Sub-total (States) 1,16,73,236 88,55,240 21 setatS nretsaE htroN Arunachal Pradesh 13,346 8,103 22 Assam 1,87,022 1,39,369 23 Manipur 56,045 20,591 24 Meghalaya 7,071 2,737 25 Mizoram 39,616 33,098 26 Nagaland 31,067 29,588 27 Sikkim 299 219 28 Tripura 90,313 80,815 Sub-total (NE States) 4,24,779 3,14,520 29 seirotirreT noinU A&N Islands 377 234 30 Chandigarh 1,275 1,275 31 D&NH and D&D 10,197 9,750 32 Delhi 31,346 31,346 33 J&K 45,112 34,453 34 Ladakh 1,434 934 35 Puducherry 18,248 12,471 Sub-total (UTs) 1,07,989 90,463 Grand Total 122.06 Lakh 96.02 Lakh* * Includes completion of 3.42 lakh houses of earlier scheme during PMAY-U MissionAnnexure-II referred in reply to LS USQ No. 3074 due for answer on 18.12.2025 State/UT-wise and year-wise details of Central Assistance sanctioned, released and Utilized during the last five years and the current year so far under PMAY-U & PMAY-U 2.0 Central Assistance Sanctioned (₹ in crore) Central Assistance Released (₹ in crore) * Central Assistance Utilised (₹ in crore) S. Name of the No. State/UT 2020-21 2021-22 2022-23 2023-24 2024-25 Current 2020-21 2021-22 2022-23 2023-24 2024-25 Current 2020-21 2021-22 2022-23 2023-24 2024-25 Current Year Year Year 1 setatS Andhra Pradesh 6,230 5,399 2,951 752 469 141 2,417 2,465 6,099 5,155 - 244 2,417 2,465 6,099 4,151 - - 2 Bihar 550 178 55 195 1,500 803 572 92 228 597 361 1,114 540 92 228 597 169 472 3 Chhattisgarh 508 804 614 53 - 364 735 389 698 483 178 129 735 389 698 483 137 - 4 Goa 37 8 9 - - 0.09 37 8 9 - - 0.09 37 8 9 - - - 5 Gujarat 3,031 3,971 3,658 172 - 613 3,110 4,118 3,989 656 112 316 3,100 4,055 3,968 603 112 - 6 Haryana 288 177 126 - 229 34 288 174 126 200 - 52 288 174 126 - - - 7 Himachal Pradesh 41 42 21 5 - 31 33 47 19 10 10 15 32 47 10 10 10 - 8 Jharkhand 243 886 110 - - 212 535 258 311 158 1 226 357 236 300 158 1 - 9 Karnataka 857 890 305 231 - 2 1,090 533 1,141 618 6 207 1,090 533 1,141 618 - - 10 Kerala 296 451 254 116 - 0.46 174 379 242 225 84 123 174 377 231 224 66 - 11 Madhya Pradesh 1,259 3,033 1,311 143 - 765 2,411 2,003 2,740 1,280 270 204 2,403 1,935 2,729 1,280 2 - 12 Maharashtra 3,466 4,492 3,008 407 - 1,134 3,690 3,380 3,852 1,543 314 247 3,665 3,380 3,852 1,311 309 - 13 Odisha 311 827 31 282 80 228 386 334 295 293 27 205 397 301 295 227 - - 14 Punjab 295 239 452 - - 426 506 256 350 179 123 242 506 256 350 179 21 - 15 Rajasthan 804 776 1,552 530 357 388 789 1,014 681 683 224 595 789 1,014 734 678 224 29 16 Tamil Nadu 1,461 1,235 625 153 - 164 1,575 1,579 722 878 222 276 1,566 1,554 617 878 222 33 17 Telangana 1,005 380 194 - 1,705 1 775 295 194 485 19 171 775 295 194 469 - - 18 Uttar Pradesh 3,644 2,107 2,061 2,351 834 4,025 4,860 3,915 2,290 4,451 1,130 1,518 4,849 3,891 2,275 4,431 672 - 19 Uttarakhand 128 231 201 44 - 54 161 90 173 131 62 69 161 90 173 128 61 - 20 West Bengal 1,861 2,105 309 - - 9 1,606 431 1,138 945 516 725 1,606 431 1,138 945 506 331 Sub-total (States) 26,315 28,231 17,844 5,434 5,174 9,396 25,748 21,762 25,297 18,971 3,657 6,679 25,487 21,523 25,167 17,371 2,511 865 21 setatS nretsaE htroN Arunachal Pradesh 0.62 32 0.19 - 119 - 9 28 0.19 15 5 35 9 28 0.19 15 5 - 22 Assam 276 492 146 203 - 391 125 183 395 396 272 263 111 179 395 392 272 24 23 Manipur 172 84 0.51 - - 79 100 0.14 99 36 54 57 100 0.14 99 33 - - 24 Meghalaya 1 0.25 0.11 - - 52 1 17 5 14 5 15 1 16 0.11 8 - - 25 Mizoram 142 16 5.03 - - 10 72 16 163 43 65 29 94 16 163 43 65 25 26 Nagaland 51 0.07 0.02 - - - 106 34 0.02 86 25 25 106 34 0.02 77 25 - 27 Sikkim 2 1.41 0.62 - - - 2 1.41 0.62 - - - 2 1.41 0.62 - - - 28 Tripura 144 119 69 72 - 54 234 63 59 93 48 71 222 37 59 93 10 - Sub-total (NE States) 788 743 222 275 119 587 649 342 722 683 474 495 644 312 717 661 377 49 29 seirotirreT noinU A&N Islands 5 0.03 0.03 - - - 0.46 1.06 0.97 - - 0.00 0.46 1.06 0.97 - - - 30 Chandigarh 9 3 3 - - 0.06 9 3 3 - - 0.06 9 3 3 - - - 31 D&NH and D&D 46 28 33 - - 0.85 46 28 33 - 4 5 46 28 33 - 3 - 32 Delhi 144 47 67 - - 5 144 47 67 - - 5 144 47 67 - - - 33 J&K 25 156 6 55 29 28 132 44 79 40 40 0.02 132 44 79 34 - - 34 Ladakh 0.43 - 0.07 - - 4 0.43 4 0.07 1.85 1.18 1.51 0.43 4 0.07 1.83 - - 35 Puducherry 40 28 10 27 10 40 37 18 23 31 9 15 37 12 19 23 - - Sub-total (UTs) 270 263 119 82 39 78 368 146 207 73 55 27 368 140 203 59 3 - Grand Total 27,372 29,236 18,186 5,791 5,331 10,060 26,766 22,250 26,225 19,727 4,187 7,200 26,500 21,975 26,087 18,092 2,892 914 * Includes Central Assistance released during the year against houses sanctioned during preceding years.

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