MoHUA Sanctions 1.93 Lakh Houses Under PMAY-U 2.0, Enforcing Mandatory Female Titling

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

With this tranche, the cumulative sanctions under PMAY-U 2.0 have reached 20.80 lakh units across the country.

State Allocations Across Key Verticals

The freshly sanctioned dwelling units fall under the Beneficiary Led Construction (BLC) and Affordable Housing in Partnership (AHP) verticals of the scheme, targeting eligible urban households belonging to the Economically Weaker Section (EWS). The committee approved proposals across 11 States:

• Uttar Pradesh: 73,182 houses
• Bihar: 52,866 houses
• Telangana: 18,120 houses
• West Bengal: 16,559 houses
• Gujarat: 14,290 houses
• Andhra Pradesh: 6,560 houses
• Chhattisgarh: 4,670 houses
• Odisha: 3,126 houses
• Karnataka: 3,116 houses
• Mizoram: 1,003 houses
• Sikkim: 29 houses

Structural and Financial Framework

Launched to expand access to affordable housing, PMAY-U 2.0 provides financial assistance of up to ₹2.50 lakh per beneficiary to urban families across the EWS, Lower Income Group (LIG), and Middle Income Group (MIG) segments, subject to an annual household income threshold of up to ₹9 lakh. The scheme is executed via four operational verticals:

• Beneficiary Led Construction (BLC): Individual construction of pucca units on self-owned land.
• Affordable Housing in Partnership (AHP): Purchase of stock in qualifying public and private housing projects.
• Affordable Rental Housing (ARH): Rental housing stock for urban migrants and workers.
• Interest Subsidy Scheme (ISS): An interest subsidy of up to ₹1.80 lakh for eligible borrowers availing home loans up to ₹25 lakh.

Gender Titling and Title Compliance

A critical legal parameter under PMAY-U 2.0 is the institutionalisation of female property rights. Scheme guidelines mandate that allotments be registered either exclusively in the name of the female head of the household or under joint ownership. To date, 20.16 lakh units—representing approximately 97% of the 20.80 lakh cumulative sanctions—have complied with this female or joint-ownership standard.

The Ministry directed participating States, Union Territories, and Urban Local Bodies (ULBs) to enforce strict procedural due diligence, resolve local execution bottlenecks, and expedite possession formalities for ready inventory under the AHP vertical to facilitate prompt legal handover to eligible beneficiaries.