MoHUA Approves 1.93 Lakh Houses Under PMAY-U 2.0; Cumulative Sanctions Cross 20 Lakh With Focus on Joint Titles

CSMC Sanctions Additional Units Across 11 States

The Central Sanctioning and Monitoring Committee (CSMC) under the Ministry of Housing and Urban Affairs (MoHUA) has approved over 1.93 lakh additional dwelling units under the Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0). Chaired by the Secretary, Department of Urban Development (DoUD), the 10th CSMC meeting expanded the cumulative sanctions under the revised mission to 20.80 lakh units.

The fresh sanctions pertain to Economically Weaker Section (EWS) beneficiaries under two primary verticals:

• Beneficiary Led Construction (BLC): Subsidised construction on individual land holdings.
• Affordable Housing in Partnership (AHP): Purchase of stock developed in public-private joint ventures.

The approvals span 11 States, led by Uttar Pradesh (73,182 houses) and Bihar (52,866 houses), with additional allocations in Andhra Pradesh, Chhattisgarh, Gujarat, Karnataka, Mizoram, Odisha, Sikkim, Telangana, and West Bengal.

Mandatory Female Ownership and Property Title Structuring

A pivotal legal and operational facet of PMAY-U 2.0 is its structural mandate regarding title deeds. According to Ministry data, 97% of all sanctioned units (20.16 lakh houses) are registered either exclusively in the name of a female family member or under joint ownership.

This policy framework legally secures property rights for women in urban households, insulating families against unilateral alienation of title and expanding co-ownership rights at the stage of execution of conveyance deeds and registration.

Scheme Verticals and Financial Architecture

Notified in September 2024, PMAY-U 2.0 targets 1 crore urban poor and middle-income families across the EWS, Lower Income Group (LIG), and Middle Income Group (MIG) brackets with annual household incomes not exceeding ₹9 lakh. Financial aid extends up to ₹2.50 lakh per household across four verticals:

• BLC: Capital assistance to build on self-owned freehold land.
• AHP: Direct unit acquisition in vetted public and private developer projects.
• Affordable Rental Housing (ARH): Tenancy-based urban stock.
• Interest Subsidy Scheme (ISS): An interest subvention of up to ₹1.80 lakh for eligible home loans capped at ₹25 lakh.

MoHUA has instructed State Urban Development Departments and Urban Local Bodies (ULBs) to expedite statutory scrutiny and occupancy handovers, warning against implementation bottlenecks and procedural non-compliance in proposal submissions.