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PMAY-U, launched in June 2015, has sanctioned 1.25 crore houses across its two phases as on 9 August 2026, of which over 1 crore are completed.
The mission period, originally up to March 2022, has been extended to 30 September 2026 to finish sanctioned projects.
A restructured PMAY-U 2.0 was launched in September 2024 for 2024-2029, targeting 1 crore more urban families with up to Rs 2.50 lakh per unit.
PMAY-U 2.0 runs four verticals - Beneficiary-Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and the Interest Subsidy Scheme.
Of the 1.25 crore houses sanctioned, 1 crore are in the name of women, sole or joint.
Help EWS families build a pucca house on land they already own.
Key: Financial assistance up to Rs 2.5 lakh, with a maximum carpet area of 45 sq m. It is by far the largest vertical, accounting for 14.40 lakh of the 18.38 lakh houses sanctioned under PMAY-U 2.0.
Let public or private agencies build affordable houses for EWS beneficiaries to own.
Key: Units of 30-45 sq m carpet area, with up to Rs 2.5 lakh per unit provided together by the Central and State Governments towards the purchase price.
Provide dignified rental housing to those who cannot buy or build, and to those needing short-term accommodation.
Key: Covers EWS and LIG migrants, industrial and construction workers, working women, street vendors and the urban homeless. It began in 2020 as Affordable Rental Housing Complexes under the Atmanirbhar Bharat Abhiyan, with units reserved for rental use for at least 25 years.
Reduce the cost of home loans for EWS, LIG and MIG beneficiaries buying, repurchasing or constructing a house.
Key: Applies to loans sanctioned and disbursed on or after 1 September 2024, with a maximum subsidy of Rs 1.80 lakh for loan tenures above five years.
Identify and mainstream proven alternative construction technologies for affordable housing.
Key: Launched in 2019 under PMAY-U's Technology Sub-Mission. It shortlisted 54 globally proven disaster-resilient technologies, six of which were demonstrated through Light House Projects of about 1,000 houses each.
Carry the technology agenda into PMAY-U 2.0.
Key: Promotes green building standards and climate-responsive layouts across geo-climatic zones. A Technology Innovation Grant additionally supports AHP projects using technologies notified under GHTC-India.
Six Light House Projects, each using a different technology shortlisted under GHTC-India, were built at six locations chosen to span India's geo-climatic and hazard conditions: Indore in Madhya Pradesh, Rajkot in Gujarat, Chennai in Tamil Nadu, Ranchi in Jharkhand, Agartala in Tripura and Lucknow in Uttar Pradesh.
Each sanctioned house is photographed and location-stamped at five construction stages - grounding, foundation, superstructure, finishing and external development, and completion - so that fund release is tied to verified physical progress rather than to a paper claim.
Simple Analogy: Payment released photograph by photograph, not on a promise.
Nodal ministry for PMAY-U and PMAY-U 2.0; central assistance flows through it to States and Union Territories.
Implementing agencies on the ground, alongside States and UTs, working through the Unified Web Portal of PMAY-U 2.0.
Affordable Rental Housing Complexes were launched in 2020 under it, in response to the reverse migration of urban workers, and have since become the ARH vertical of PMAY-U 2.0.
The mandate of sole or joint ownership by a woman is a design feature repeated across welfare housing, and 1 crore of the 1.25 crore sanctioned houses are held this way.
The EWS, LIG and MIG income bands used here are the same categories that determine eligibility across urban housing and housing-finance subsidy schemes.
GS Paper 2 > Governance > Welfare Schemes; GS Paper 3 > Infrastructure
General Awareness > Government Schemes
General Awareness > Housing Finance and Subsidy Schemes
An all-weather dwelling unit; a beneficiary family must not own one anywhere in India to be eligible.
The usable floor area within walls - capped at 45 sq m for BLC and 30-45 sq m for AHP units.
A model housing project of about 1,000 houses built with one GHTC-India technology suited to the region's geo-climatic and hazard conditions.
The PMAY-U 2.0 vertical giving up to Rs 1.80 lakh of subsidy on home loans sanctioned on or after 1 September 2024.