**Executive Summary**
This document is a response to Unstarred Question No. 19 in the Lok Sabha concerning schemes for the urban poor, to be answered on January 29, 2026. The Minister of Housing and Urban Affairs details the schemes being run by the Government, their effectiveness, and corrective measures for extending benefits. The document outlines the Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM), the Pradhan Mantri Street Vendor's Atma Nirbhar Nidhi (PM SVANidhi) Scheme, and the Pradhan Mantri Awas Yojana - Urban (PMAY-U) and PMAY-U 2.0.
**Key Points / Main Content**
* **Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM):**
* Implemented by the Ministry of Housing and Urban Affairs (MoHUA) to reduce vulnerabilities of the urban poor.
* Implementation period ended on September 30, 2024.
* As of September 30, 2024, 10,02,545 Self Help Groups (SHGs) were formed, 15,42,952 candidates received skill training, and 1,995 shelters with approximately 1.41 lakh beds were created.
* **Pradhan Mantri Street Vendor's Atma Nirbhar Nidhi (PM SVANidhi) Scheme:**
* Launched in June 2020 to provide collateral-free working capital loans to urban street vendors.
* Restructured in August 2025 with lending period extended from December 2024 to March 2030.
* Benefits extended to census towns, urban agglomerations, and peri-urban areas.
* Loan amounts for the first and second tranches increased to ₹15,000 and ₹25,000, respectively.
* Provides UPI-linked credit cards up to ₹30,000.
* As of January 20, 2026, over 1.05 crore loans totaling around ₹16,100 crore have been disbursed to over 71.5 lakh street vendors.
* **Pradhan Mantri Awas Yojana - Urban (PMAY-U) and PMAY-U 2.0:**
* PMAY-U implemented since June 25, 2015, to provide all-weather houses with basic amenities.
* PMAY-U 2.0, "Housing for All" Mission, was launched on September 1, 2024.
* Aims to construct, purchase, or rent houses for 1 crore additional beneficiaries.
* As of January 22, 2026, 122.28 lakh houses have been sanctioned (including 10.66 lakh under PMAY-U 2.0), with 114.84 lakh grounded and 97.02 lakh completed/delivered.
* **Deendayal Jan Aajeevika- Shehari (DJAY-S):**
* Pilot program implemented from October 1, 2024, in 25 select cities.
* Focuses on six vulnerable occupational groups: Gig workers, transportation workers, construction workers, waste workers, care workers, and domestic workers.
* Aims to make targeted schematic interventions.
**Impact Analysis**
**Urban Poor:**
* **Impact:** Beneficiaries of various schemes like DAY-NULM, PM SVANidhi, and PMAY-U/PMAY-U 2.0. These schemes aim to improve their economic, social, and residential vulnerabilities. They also have access to skill training, shelter, working capital loans, and affordable housing options.
* **Action Required:** To apply for and utilize the benefits offered by the mentioned schemes, such as skill training, SHG membership, access to loans, and affordable housing.
**Street Vendors:**
* **Impact:** Street vendors benefit from collateral-free working capital loans under the PM SVANidhi scheme. The restructuring and extension of the scheme enhances their livelihood opportunities.
* **Action Required:** To apply for and manage loans effectively, participate in capacity building programs, and utilize the UPI-linked credit card for digital transactions.
**State Governments/UTs:**
* **Impact:** The Government of India supplements their efforts in urban poverty alleviation through the mentioned programs.
* **Action Required:** To collaborate with the central government in implementing and monitoring the effectiveness of these schemes, and to continue their own initiatives in urban poverty alleviation.
**Ministry of Housing and Urban Affairs (MoHUA):**
* **Impact:** Responsible for implementing, monitoring, and revising the schemes for urban poverty alleviation.
* **Action Required:** To continue overseeing and managing the mentioned schemes, ensuring effective implementation, and making necessary adjustments based on the pilot programs and ongoing assessments.
Key Entities Referenced
Ministry of Housing and Urban Affairs (MoHUA): The primary ministry responsible for the schemes discussed in the document.
Pradhan Mantri Awas Yojana - Urban (PMAY-U): A scheme aiming to provide affordable housing to urban beneficiaries.
Pradhan Mantri Street Vendor's Atma Nirbhar Nidhi (PM SVANidhi) Scheme: A scheme providing working capital loans to urban street vendors.
Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): A scheme to reduce economic, social, and residential vulnerabilities of the urban poor.
India: The country where the mentioned schemes are implemented.
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 19
TO BE ANSWERED ON JANUARY 29, 2026
SCHEMES FOR URBAN POOR
NO. 19. DR. NISHIKANT DUBEY:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to
state:-
(a) the details of the schemes being run by the Government for the urban
poor in the country;
(b) the extent to which these schemes have been helpful for the poor in
urban areas; and
(c) the corrective measures taken or being taken under these schemes to
extend the benefits to the urban poor?
ANSWER
THE MINISTER OF STATE IN THE
MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI TOKHAN SAHU)
*****
(a) to (c): Urban Poverty Alleviation is a state subject. Government of
India supplements the efforts of State Governments/UTs through programs
and schematic interventions for the urban poor. Ministry of Housing and
Urban Affairs, MoHUA implemented “Deendayal Antyodaya Yojana - National
Urban Livelihoods Mission (DAY-NULM)” to reduce economic, social and
residential vulnerabilities of urban poor. The implementation period of DAY-
NULM ended on 30.09.2024.
Under DAY-NULM as on 30.09.2024, 10,02,545 Self Help Groups (SHGs)
were formed, 15,42,952 candidates were provided skill training and 1,995
shelters with a capacity of about 1.41 lakh bed were made.
…2/--2-
Further, MoHUA implements Pradhan Mantri Street Vendor’s Atma Nirbhar
Nidhi (PM SVANidhi) Scheme, launched in June 2020, which provides
collateral-free working capital loans to urban street vendors.
The Scheme was restructured in August, 2025 under which, the lending
period has been extended from December 2024 to March 2030, and the
scheme benefits have been extended to census towns, urban
agglomerations, peri-urban areas, etc. in a graded manner, thereby
creating increased livelihood opportunities. The loan amounts for the first
and second tranches have been enhanced to ₹15,000 and ₹25,000
respectively. It also provides for a UPI-linked credit card of up to ₹30,000
for eligible vendors, capacity building and entrepreneurship development of
street vendor beneficiaries, incentives for digital transactions and a
holistic social security framework under SVANidhi se Samriddhi (SSS).
As regards to PM SVANidhi scheme, as on 20.01.2026, more than 1.05
crore loans amounting to around ₹16,100 crore have been disbursed to
over 71.5 lakh street vendors across the country.
In addition to this, MoHUA is also 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. From 01.09.2024, MoHUA has revamped
the scheme and launched PMAY-U 2.0 ‘Housing for All’ Mission for
implementation in urban areas across the country to construct, purchase
and rent a house by eligible beneficiaries at affordable cost, for 1 crore
additional eligible beneficiaries.
Under PMAY-U/PMAY-U 2.0, 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.
A pilot named ‘Deendayal Jan Aajeevika- Shehari (DJAY-S) was
implemented from 1st October, 2024 in 25 select cities with the aim to
focus on 6 vulnerable occupational groups namely Gig workers,
transportation workers, Construction workers, Waste workers, Care
workers and Domestic workers. The pilot aimed at studying these groups
for making targeted schematic interventions.
*****