Pradhan Mantri Awas Yojana-Urban (PMAY-U)

  • IASbaba
  • August 12, 2022
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In News: Cabinet approves continuation of Pradhan Mantri Awas Yojana-Urban (PMAY-U) – “Housing for All” Mission up to 31st December 2024.

  • Govt of India has accepted the request of States/UTs for more time for completion of houses.
  • PMAY-U: Housing for All is one of the major flagship programmes being implemented by GoI to provide all weather pucca houses to all eligible beneficiaries in the urban areas of the country through States/UTs/Central Nodal Agencies.
  • During the period of 2004-2014, 8.04 lakh houses were completed under Urban Housing Scheme.
  • The continuation of the scheme based on the request of States/UTs upto 31st December 2024 will help in completion of already sanctioned houses under BLC, AHP & ISSR verticals.

Pradhan Mantri Awas Yojana-Urban (PMAY-U)

  • PMAY falls under the Government’s mission – Housing for All by 2022 for urban housing being implemented by the Ministry of Housing and Urban Affairs (MoHUA).
  • It makes home loans affordable for the urban poor by providing a subsidy on the Interest Rate of a home loan during repayment by way of EMI


The Mission addresses urban housing shortage among the EWS/LIG and MIG categories including the slum dwellers.

  • Economically Weaker Section (EWS) – with a maximum annual family income of Rs. 3,00,00.
  • Low Income Group (LIG) – with maximum annual family income of Rs. 6,00,000) and
  • Middle Income Groups (MIG I & II) – with a maximum annual family income of Rs. 18,00,000)

Four Verticals of PMAY-U:

In Situ Slum Redevelopment (ISSR):

  • This vertical will be implemented with the concept “Land as a resource” with private sector participation for providing houses to eligible slum dwellers.

Affordable Housing through Credit Linked Subsidy (CLSS):

  • Beneficiaries of EWS, LIG, MIG (I &II) seeking housing loans from Banks, Housing Finance Companies and other such institutions for acquiring, new construction or enhancement of houses are eligible for an interest subsidy of:
  • 5% on loan amount up to Rs. 6 Lakh
  • 4% on loan amount up to Rs. 9 Lakh
  • 3% on loan amount up to Rs. 12 Lakh

Affordable Housing Through Partnership (AHP):

  • An affordable housing project can be a mix of houses for different categories but it will be eligible for Central Assistance, if at least 35% of the houses in the project are in the EWS category.

Beneficiary-led individual house construction (BLC):

  • Central Assistance up to Rs. 1.5 lakh per EWS house is provided to eligible families belonging to EWS categories for individual house construction/ enhancement.

Demand-driven Approach:

  • PMAY-U adopts a demand-driven approach strengthening the ethos of cooperative federalism, housing shortage is decided based on demand assessment by States/Union Territories (UTs).
  • The Mission is implemented as a Centrally Sponsored Scheme (CSS) except the CLSS vertical of the PMAY-U which is being implemented as a Central Sector Scheme.
  • Under the PMAY-U guidelines, it is mandatory for the state government to ensure that all houses built under the scheme are geotagged to the Bhuvan HFA (housing for all) application.
  • The Mission promotes Woman Empowerment by providing the ownership of houses in the name of a female member or in joint names.
  • Preference is also given to women (with overriding preference to widows, single women), persons belonging to Scheduled Castes/Scheduled Tribes/Other Backward Classes, Minorities, Persons with disabilities and Transgender.

Initiatives under PMAY-U:

Affordable Rental Housing Complexes (ARHCs):

  • It is a sub-scheme under PMAY-U.
  • This will provide ease of living to urban migrants/ poor in the Industrial Sector as well as in non-formal urban economies to get access to dignified affordable rental housing close to their workplace.

Global Housing Technology Challenge:

  • It aims to identify and mainstream a basket of innovative construction technologies from across the globe for the housing construction sector that are sustainable, eco-friendly and disaster-resilient.

CLSS Awas Portal (CLAP):

  • It is a common platform where all stakeholders e., MoHUA, Central Nodal Agencies, Primary Lending Institutions, Beneficiaries and Citizens are integrated in a real-time environment.
  • The portal facilitates processing of applications along with tracking of subsidy status by beneficiaries.


Previous Year Question

Q.1) What is the purpose of Vidyanjali Yojana’? (2017)

  1. To enable the famous foreign educational institutions to open their campuses in India.
  2. To increase the quality of education provided in government schools by taking help from the private sector and the community.
  3. To encourage voluntary monetary contributions from private individuals and organizations so as to improve the infrastructure facilities for primary and secondary schools.

Select the correct answer using the code given below:

  1. 2 only
  2. 3 only
  3. 1 and 2 only
  4. 2 and 3 only


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