One crore homes completed and delivered under PM scheme: Government
Over one crore urban houses have been completed and delivered under the Pradhan Mantri Awas Yojana-Urban (PMAY-U) since the scheme's launch
Since 2015, 1.25 crore houses have been sanctioned/approved under the mission, with nearly one crore allotted in the name of women or with joint ownership
Under PMAY-Urban 2.0, over 2.09 lakh additional houses were sanctioned for Economically Weaker Section (EWS) families
1.4 lakh homes were sanctioned for pucca construction under the Beneficiary Led Construction (BLC) vertical
Pradhan Mantri Awas Yojana-Urban (PMAY-U) — Mission Design
PMAY-U was launched on 25 June 2015 under the "Housing for All (Urban)" Mission, targeting a pucca house with basic amenities for every eligible urban household, with special focus on the Economically Weaker Section (EWS), Low Income Group (LIG), and slum dwellers. The mission originally targeted 2015–2022, and its completion timeline has since been extended for houses sanctioned up to 31 March 2022. PMAY-U operates through four implementation verticals rather than a single delivery model, allowing states to choose the mechanism best suited to local land and beneficiary conditions.
Key Details
- Launch date: 25 June 2015; nodal ministry: Ministry of Housing and Urban Affairs (MoHUA)
- Original four verticals: In-Situ Slum Redevelopment (ISSR), Credit Linked Subsidy Scheme (CLSS), Affordable Housing in Partnership (AHP), Beneficiary Led Construction (BLC)
- Funding pattern: central assistance routed through States/UTs and Central Nodal Agencies (CNAs) to implementing agencies
- Mission period extended to 31 December 2025 for completion of houses sanctioned up to 31 March 2022
The one-crore-delivered milestone reflects cumulative completion under this 2015-launched mission, distinct from the newer PMAY-U 2.0 pipeline of sanctions still under execution.
PMAY-Urban 2.0 — Successor Scheme
PMAY-Urban 2.0 was launched on 1 September 2024 as a five-year mission (2024–2029) aiming to assist a further one crore urban families, expanding eligibility to EWS, LIG, and Middle Income Group (MIG) households. It restructures the delivery verticals to Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), In-Situ Slum Redevelopment (ISSR), and an Interest Subsidy Scheme (ISS) replacing the earlier CLSS.
Key Details
- Launch: 1 September 2024; target: 1 crore additional urban families over 2024–2029
- Total outlay: approximately ₹10 lakh crore, of which ₹2.30 lakh crore is central subsidy assistance
- Central assistance under BLC/AHP/ISSR: up to ₹2.50 lakh per unit
- EWS eligibility threshold: annual household income up to ₹3 lakh
The 2.09 lakh EWS houses and 1.4 lakh BLC sanctions cited in the milestone announcement are drawn from this PMAY-U 2.0 pipeline, running alongside the legacy PMAY-U scheme's completions.
Beneficiary Led Construction (BLC) — Delivery Mechanism
BLC is a demand-driven vertical under which eligible EWS households construct or enhance a pucca house on land they already own (or land for which the state has granted a patta/title), with central and state financial assistance disbursed directly to the beneficiary rather than routed through a contractor or developer. It differs from AHP (partnership-built housing by public/private agencies) and ISSR (in-situ redevelopment of slum land using land as a resource).
Key Details
- Eligibility: EWS households with annual income up to ₹3 lakh, holding land ownership or a granted patta
- States/UTs are responsible for providing land rights to landless eligible families to enable BLC participation
- Assistance is released in instalments linked to construction progress, verified through geo-tagging
- Distinguishes from AHP (agency-built, subsidy per unit) and ISSR (uses slum land value to cross-subsidise redevelopment)
The 1.4 lakh BLC sanctions cited in the milestone reflect self-construction by beneficiaries on owned or newly-titled land, a model UPSC frequently tests for its "beneficiary agency" design versus agency-built alternatives.
Right to Adequate Housing and Article 21
While housing is not an explicitly enumerated fundamental right, the Supreme Court has read the right to shelter into the right to life under Article 21 in cases including Chameli Singh v. State of U.P. (1996), holding that the right to live with human dignity encompasses the right to a reasonable residence. Welfare housing schemes such as PMAY-U operationalise this reading, alongside Directive Principles under Articles 39(b) and 47 concerning distribution of resources and standard of living.
Key Details
- Chameli Singh v. State of U.P. (1996): right to shelter read into Article 21
- DPSP linkage: Article 39(b) (equitable distribution of material resources), Article 47 (raising standard of living)
- PMAY-U is a Centrally Sponsored Scheme (CSS), implemented via state/UT nodal agencies with central funding share
The scale of sanctions and completions cited (1.25 crore sanctioned, 1 crore delivered) is a standard Prelims-style data point testing familiarity with the mission's cumulative achievement figures, while the constitutional basis provides the Mains angle on the state's housing obligation.
- PMAY-U launched: 25 June 2015; PMAY-U 2.0 launched: 1 September 2024
- Houses sanctioned under PMAY-U/PMAY-U 2.0 combined since 2015: 1.25 crore
- Houses completed and delivered: over 1 crore
- Houses allotted in the name of women (sole or joint ownership): nearly 1 crore
- Additional EWS houses sanctioned under PMAY-U 2.0: over 2.09 lakh
- Houses sanctioned under Beneficiary Led Construction (BLC): 1.4 lakh
- PMAY-U 2.0 total outlay: ~₹10 lakh crore (₹2.30 lakh crore central subsidy)
- EWS income eligibility ceiling: ₹3 lakh per annum
- Central assistance per unit (BLC/AHP/ISSR): up to ₹2.50 lakh