**Executive Summary**
The document is a response to a parliamentary question regarding slum eradication and rehabilitation initiatives in India. It details the Pradhan Mantri Awas Yojana - Urban (PMAY-U) scheme and its updated version, PMAY-U 2.0, which aims to provide pucca houses with basic amenities to eligible urban beneficiaries. The scheme period of PMAY-U has been extended up to December 31, 2025, to complete sanctioned houses.
**Key Points / Main Content**
* **Implementation of Slum Eradication:**
* Slum eradication is primarily implemented by State/Union Territory (UT) Governments.
* The Government of India supplements these efforts through Central Assistance under the PMAY-U scheme since 2015.
* **Pradhan Mantri Awas Yojana - Urban (PMAY-U):**
* Implemented through four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS).
* PMAY-U scheme period extended up to 31.12.2025 to complete sanctioned houses.
* PMAY-U 2.0 launched on 01.09.2024 to support 1 crore additional eligible beneficiaries in the next five years.
* Scheme funds are shared between the Central Government, State/UT Government/ULB/Implementing agencies, and beneficiaries.
* **Eligibility Criteria for PMAY-U:**
* Beneficiaries must not own a pucca house in India.
* Beneficiaries must belong to the Economically Weaker Section (EWS) with an annual household income of up to ₹3 lakh for BLC and AHP verticals.
* Ownership of land is required for benefiting under BLC vertical.
* Under the ARH vertical, EWS/Low Income Group (LIG) categories up to income limit of ₹6 lakh can avail the benefit of rental housing at affordable rate.
* Under the ISS vertical, EWS/LIG and Middle Income Group (MIG) categories up to income limit of ₹9 lakh per annum are eligible to get subsidy on home loans.
* **Funding Pattern:**
* Government Assistance under BLC/AHP verticals of PMAY-U 2.0 for North-Eastern States, Uttarakhand, Himachal Pradesh, UTs of Jammu & Kashmir, Puducherry and Delhi is fixed at a ratio of 90:10 (₹2.25 lakh: ₹0.25 lakh per house).
* For Remaining UTs, the Central & State sharing ratio is 100:0 (₹2.50 lakh: ₹0.00 lakh per house)
* For other States it is on 60:40 (₹1.50 lakh: ₹ 1.00 lakh per house).
* States and UTs may enhance their share to improve the affordability of houses.
* **Slum Eradication Programme 2030:**
* PMAY-U 2.0 is not a slum-centric scheme but follows a 'Housing for All' approach.
* Aligned with the United Nations Sustainable Development Goals (SDGs).
**Impact Analysis**
**State/Union Territory (UT) Governments:**
* **Impact:** Primarily responsible for implementing slum eradication schemes and selecting beneficiaries according to scheme guidelines.
* **Action Required:** Implement PMAY-U and PMAY-U 2.0, select beneficiaries, and potentially enhance their share of funding.
**Urban Local Bodies (ULBs)/Implementing Agencies:**
* **Impact:** Involved in the selection of beneficiaries under BLC and AHP verticals and in implementing the PMAY-U scheme.
* **Action Required:** Participate in implementing the scheme and coordinate with State/UT Governments.
**Eligible Urban Beneficiaries (EWS/LIG/MIG):**
* **Impact:** Opportunity to obtain pucca houses with basic amenities or receive subsidies for home loans.
* **Action Required:** Meet the eligibility criteria and apply for benefits under the PMAY-U scheme and arrange funds from other sources to construct their houses.
Key Entities Referenced
Pradhan Mantri Awas Yojana - Urban (PMAY-U): A scheme to provide pucca houses with basic amenities to eligible urban beneficiaries, extended to 31.12.2025 and revamped to PMAY-U 2.0.
PMAY-U 2.0: Revamped Pradhan Mantri Awas Yojana-Urban scheme launched with effect from 01.09.2024.
Ministry of Housing and Urban Affairs: The central ministry responsible for the implementation of PMAY-U.
United Nations Sustainable Development Goals (SDGs): Referenced as the framework to which the Slum Eradication Programme 2030 and PMAY-U 2.0 are aligned.
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 2068
TO BE ANSWERED ON DECEMBER 11, 2025
SLUM ERADICATION AND REHABILITATION INITIATIVES
NO. 2068. SHRI KALYAN BANERJEE:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to
state:
(a) whether the Government has proposed various projects for the
eradication of slums in metropolitan and urban cities with
rehabilitation proposals;
(b) if so, the details of such plans including the eligibility criteria,
conditions and financing process thereof; and
(c) the present status of the Slum Eradication Programme 2030
aligned with the United Nations Sustainable Development Goals
(SDGs)?
ANSWER
THE MINISTER OF STATE IN THE
MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI TOKHAN SAHU)
(a) & (b): ‘Land’ and ‘Colonisation’ are State subjects. Therefore,
schemes related to eradication of slums are implemented by
State/Union Territory (UT) Governments. However, Government
of India is supplementing the efforts of States/UTs by providing
Central Assistance to provide pucca house with basic
amenities to all eligible urban beneficiaries across the country
including slum dwellers of metropolitan and urban cities
through Pradhan Mantri Awas Yojana - Urban (PMAY-U) since
2015. The PMAY-U scheme is implemented through four
verticals. The scheme period of PMAY-U has been extended up
to 31.12.2025 to complete sanctioned houses without
changing the funding pattern and implementation
methodology.
…2/--2-
Based on the learnings from the experiences of
implementation of PMAY-U, Ministry of Housing and Urban
Affairs (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. 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).
Under the schemes, selection of beneficiaries under BLC and
AHP vertical is done by respective State/UT/Urban Local Body
(ULB) as per scheme guidelines based on the following
criteria:
i. Not owning pucca house in his/her name or any other
family member’s name, anywhere in India.
ii. Belonging to Economically Weaker Section (EWS) with
annual household income of up to ₹3 lakh.
iii. Ownership of land to avail benefit under BLC vertical.
Further, under ARH vertical, eligible beneficiaries of EWS/Low
Income Group (LIG) categories up to income limit of ₹6 lakh
can avail the benefit of rental housing at affordable rate.
Further, under ISS vertical, beneficiaries of EWS/LIG and
Middle Income Group (MIG) categories up to income limit of ₹9
lakh per annum are eligible to get subsidy on home loans for
purchase/re-purchase/construction of houses.
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/ULB/Implementing agencies and the beneficiaries.
The funding under PMAY-U 2.0 is to provide a nudge to the
beneficiaries and enable them to construct their houses by
arranging funds from other sources as well. However,
States/UTs may provide their enhanced share as per PMAY-U
…3/--3-
2.0 guidelines to reduce the burden on beneficiaries.
Government Assistance under BLC/AHP verticals of PMAY-U
2.0 for North-Eastern States, Uttarakhand, Himachal Pradesh,
UTs of Jammu & Kashmir, Puducherry and Delhi have been
fixed at a ratio of 90:10 (₹2.25 lakh: ₹ 0.25 lakh per house). For
Remaining UTs, the Central & State sharing ratio is 100:0
(₹2.50 lakh: ₹ 0.00 lakh per house), whereas for other States it
is on 60:40 (₹1.50 lakh: ₹ 1.00 lakh per house). Further, State
and UT may enhance their share to improve the affordability of
houses and also facilitate home loan to the PMAY-U 2.0
beneficiaries.
(c): PMAY-U 2.0 is not slum centric scheme. Slum upgradation/
redevelopment is just a part of the scheme which is universal
in nature and follows ‘Housing for All’ approach. This scheme
is fully aligned with the United Nation’s Sustainable
Development Goals (SDGs).
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