MoHUA Sanctions 1.93 Lakh Additional Homes Under PMAY-U 2.0; Reaffirms Joint and Female Title Mandates

CSMC Clears Housing Projects 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). The decision was taken during the committee's 10th meeting, chaired by Satendra Singh, Secretary, Department of Urban Development.

With these latest approvals, cumulative sanctions under PMAY-U 2.0 have reached 20.80 lakh houses. The newly cleared units span 11 participating states, with significant allocations across Uttar Pradesh (73,182 houses), Bihar (52,866 houses), Telangana (18,120 houses), West Bengal (16,559 houses), and Gujarat (14,290 houses). The committee also approved units across Andhra Pradesh, Chhattisgarh, Karnataka, Odisha, Mizoram, and Sikkim for eligible families belonging to the Economically Weaker Section (EWS).

Scheme Verticals and Eligibility Parameters

PMAY-U 2.0, launched in September 2024, targets the provision of financial assistance of up to ₹2.50 lakh per household to construct or acquire a pucca house. The scheme caters to EWS, Low-Income Group (LIG), and Middle-Income Group (MIG) households with an annual income ceiling of up to ₹9 lakh.

The policy operates across four statutory delivery verticals:

• Beneficiary Led Construction (BLC): Assisting eligible landowners in constructing pucca homes on their own plots.
• Affordable Housing in Partnership (AHP): Enabling home purchases in designated public or private housing projects.
• Affordable Rental Housing (ARH): Developing accessible rental stock for urban migrants and workers.
• Interest Subsidy Scheme (ISS): Providing an interest subsidy of up to ₹1.80 lakh on housing loans up to ₹25 lakh for eligible EWS, LIG, and MIG buyers.

Title Ownership and Administrative Compliance

A critical legal and structural priority of the mission is property ownership reform. According to the Ministry, 97% of all sanctioned units—amounting to 20.16 lakh houses—have been allotted under sole female ownership or joint ownership with female family members, securing formal title deeds for women.

Addressing administrative bottlenecks, the Secretary directed State Governments, Union Territories, and Urban Local Bodies (ULBs) to enforce strict procedural due diligence while submitting proposals to prevent processing delays. Additionally, state authorities were instructed to accelerate physical occupancy clearances for completed AHP units to avoid holding vacant inventories.