MoHUA Sanctions 1.93 Lakh Additional Homes Under PMAY-U 2.0, Reinforcing Female Property Ownership

Expansion of Sanctions Under PMAY-U 2.0

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

The newly cleared units fall under the Beneficiary Led Construction (BLC) and Affordable Housing in Partnership (AHP) verticals. Sanctions were distributed across 11 participating States, including Uttar Pradesh (73,182 houses), Bihar (52,866 houses), Telangana (18,120 houses), West Bengal (16,559 houses), and Gujarat (14,290 houses). Cumulatively, across both phases of PMAY-U, the Central Government has sanctioned over 1.27 crore houses, with 1.01 crore already completed.

Mandatory Title Allotment and Co-Ownership Regimes

A critical legal facet of the PMAY-U 2.0 guidelines is the formalisation of property rights in favour of female beneficiaries. Under the scheme’s title-vesting parameters:

• Sole or Joint Conveyance: 20.16 lakh houses—representing 97% of total sanctions under PMAY-U 2.0—have been allotted either solely in the name of a female family member or under joint legal ownership.
• Equitable Coverage: The allocations include 1.81 lakh houses sanctioned for senior citizens, alongside defined statutory reservations across Scheduled Castes (3.61 lakh), Scheduled Tribes (1.06 lakh), and Other Backward Classes (9.14 lakh).

This structural mandate ensures that the underlying conveyance deeds and sale certificates vest immovable property rights directly with women, bolstering legal and financial security within the household.

Scheme Verticals and Eligibility Benchmarks

Launched in September 2024, PMAY-U 2.0 aims to assist 1 crore urban poor and middle-class households by providing Central financial assistance of up to ₹2.50 lakh per unit. The scheme covers families belonging to the Economically Weaker Section (EWS), Lower Income Group (LIG), and Middle Income Group (MIG), capping the qualifying annual household income at ₹9 lakh.

Assistance is structured across four specific verticals:

• Beneficiary Led Construction (BLC): Direct subsidies for eligible families constructing a pucca dwelling on their self-owned land.
• Affordable Housing in Partnership (AHP): Purchase of housing units developed in collaboration with public or private builders.
• Affordable Rental Housing (ARH): Urban rental solutions targeted at transient populations and urban migrants.
• Interest Subsidy Scheme (ISS): An upfront interest subsidy of up to ₹1.80 lakh on institutional housing loans valued up to ₹25 lakh.

Implementation Directives for States and ULBs

The CSMC directed States, Union Territories, and Urban Local Bodies (ULBs) to expedite statutory clearances, adhere rigorously to prescribed scheme guidelines, and streamline legal documentation to avoid procedural delays. Crucially, the Ministry instructed executing agencies to fast-track occupancy and deed registrations for already completed AHP units, ensuring eligible allottees take legal and physical possession without protracted delays.