MoHUA Sanctions 1.93 Lakh Additional Houses Under PMAY-U 2.0; Mandates Female and Joint Ownership

Central Committee Clears Fresh Allocations Under PMAY-U 2.0

The Ministry of Housing and Urban Affairs (MoHUA) has sanctioned over 1.93 lakh additional housing units under the Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0). The approval was granted during the 10th meeting of the Central Sanctioning and Monitoring Committee (CSMC), chaired by the Secretary, Department of Urban Development.

With these fresh clearances, the total number of houses sanctioned under PMAY-U 2.0 has reached 20.80 lakh. The newly approved units cover eligible urban beneficiaries belonging to the Economically Weaker Section (EWS) across 11 States, including Uttar Pradesh (73,182 units), Bihar (52,866 units), Telangana (18,120 units), West Bengal (16,559 units), and Gujarat (14,290 units).

Scheme Verticals and Eligibility Criteria

Notified in September 2024, PMAY-U 2.0 aims to provide financial support of up to ₹2.50 lakh to one crore urban poor and middle-class families with an annual household income threshold of up to ₹9 lakh. The scheme operates across four structured verticals:

• Beneficiary Led Construction (BLC): Provides financial aid to eligible families constructing a pucca house on their own land.
• Affordable Housing in Partnership (AHP): Enables title acquisition within public and private sector housing development projects.
• Affordable Rental Housing (ARH): Delivers rental housing solutions for transient urban populations.
• Interest Subsidy Scheme (ISS): Offers an interest subsidy of up to ₹1.80 lakh on home loans capped at ₹25 lakh for EWS, Lower Income Group (LIG), and Middle Income Group (MIG) purchasers.

Title and Co-Ownership Framework

A critical structural feature of PMAY-U 2.0 implementation is the property title allocation requirement. Official data shows that out of the 20.80 lakh sanctioned dwellings under the mission, 20.16 lakh units—representing approximately 97 per cent—have been allotted either under sole female ownership or as joint titles with female household members.

The Central Committee instructed State and Union Territory administrations to exercise strict compliance with the prescribed scheme guidelines when verifying beneficiary proposals. States were further directed to clear implementation bottlenecks, avoid administrative delays in documentation, and accelerate the execution and possession of completed AHP units.