The Pradhan Mantri Awas Yojana (Urban)

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Concerned Ministry: Ministry of Housing and Urban Affairs

Financing: Centrally sponsored scheme

Context:- Maharashtra government is mulling over a proposal to provide houses to the flood-affected people under the Pradhan Mantri Awas Yojana 

Background:- The Pradhan Mantri Awas Yojana (Urban) Programme launched by the Ministry of Housing and Urban Poverty Alleviation (MoHUPA), in Mission mode envisions provision of Housing for All by 2022 when the Nation completes 75 years of its Independence

The Mission seeks to address the housing requirement of urban poor through the following:

  • Slum rehabilitation of Slum Dwellers with the participation of private developers using the land as a resource.
  • Promotion of Affordable Housing for the weaker section through credit linked subsidy.
  • Affordable Housing in Partnership with Public & Private sectors.
  • Subsidy for beneficiary-led individual house construction /enhancement.

Key Provisions:

  • The beneficiaries are poor and people living under EWS and LIG categories in the country.
  • The scheme is divided into three phases. In the first phase, a total of 100 cities were to be covered from April 2015 to March 2017. In phase two, 200 cities were to be covered from April 2017 to March 2019. In the third phase, the leftover cities will be covered from April 2019 to March 2022.
  • The government is providing an interest subsidy of 6.5% on housing loans which can be availed by beneficiaries for 15 years from the start of the loan date.
  • The government will grant Rs 1 lakh to all the beneficiaries of the scheme. In addition, Rs 1.5 lakh will be given to all eligible urban poor who want to construct their houses in urban areas or plan to go for renovation in their existing houses. One can also avail loans under this scheme to build toilets in existing houses.


Out of the 85 lakh houses sanctioned all over India about 26 lakh have been completed, out of which 24 lakh houses have been occupied. (as on July 5, 2019)

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