PMAY-U Achieves Milestone with 1.22 Crore Houses Sanctioned Across India
The Pradhan Mantri Awas Yojana–Urban (PMAY‑U) has made significant strides in addressing urban housing shortages, with a total of 1.22 crore houses sanctioned in cities nationwide. This ambitious initiative is a cornerstone of the government's "Housing for All" vision, aiming to provide affordable and adequate shelter to urban residents.
Construction and Completion Progress Highlights
Out of the sanctioned houses, construction has commenced on 114.59 lakh units, demonstrating active implementation on the ground. Impressively, 96.65 lakh homes have been fully completed, and 94.24 lakh are already occupied by beneficiaries, marking a tangible impact in urban communities. The mission has mobilized a substantial investment of Rs 8.42 lakh crore, as per the latest government data, underscoring its scale and economic significance.
Financial Commitments and Utilization
The Central government has committed Rs 2,04,734 crore in assistance to support the scheme, with Rs 1,76,433 crore already released to various states and implementing agencies. Utilization certificates for Rs 1,66,392 crore have been received, indicating that the majority of released funds are being effectively deployed for construction and development purposes, ensuring accountability and efficient resource management.
Breakdown by Housing Categories
The sanctioned houses are distributed across different verticals of the PMAY‑U scheme:
- Beneficiary Led Construction (BLC): 79.21 lakh houses, leading in completions with 54.96 lakh finished units.
- Credit Linked Subsidy Scheme (CLSS/ISS): 25.68 lakh houses, with 25.68 lakh completed.
- Affordable Housing in Partnership or In‑Situ Slum Redevelopment (AHP/ISSR): 17.31 lakh houses, with 12.58 lakh completed.
Additionally, approximately 10 lakh houses have been constructed using innovative and new construction technologies, promoting modern and sustainable building practices.
Financial Allocation Across Categories
Central assistance has been strategically allocated:
- BLC accounts for Rs 1,19,084 crore, with Rs 97,434 crore released.
- CLSS/ISS has Rs 59,181 crore allocated, fully released at Rs 59,181 crore.
- AHP/ISSR received Rs 26,469 crore, with Rs 19,818 crore disbursed.
This distribution highlights the focus on beneficiary-driven construction and credit-linked subsidies, with significant funds already flowing to projects.
State‑Wise Performance and Leaders
According to recent data, several states have excelled in implementing PMAY‑U:
- Andhra Pradesh: Leads with 19.48 lakh sanctioned houses, 18.32 lakh grounded, and 11.19 lakh completed, supported by an investment of Rs 86,563 crore.
- Gujarat: Follows with 10.27 lakh sanctioned units and 9.63 lakh completed, showing robust execution.
- Chhattisgarh and Goa: Exhibit high completion-to-sanction ratios, with Goa achieving 100% completion of its allocated houses.
- Bihar: Shows moderate progress, with 1.98 lakh houses completed out of 4.45 lakh sanctioned.
These trends reflect varying levels of adoption and efficiency across regions, with southern and western states often leading in outcomes.
Overview and Extension of PMAY‑U
Launched on June 25, 2015, PMAY‑U was initially scheduled to conclude in March 2022. However, to ensure the completion of all houses sanctioned within the original period, the mission has been extended until December 2025. The Ministry of Housing and Urban Affairs continues to oversee the scheme, focusing on finalizing urban housing units under existing funding norms and maintaining momentum toward the "Housing for All" target.
This progress report underscores PMAY‑U's role as a transformative urban development program, leveraging substantial investments and multi-faceted approaches to alleviate housing deficits and improve living standards in India's cities.
