Pradhan Mantri Awas Yojana – Urban (PMAY-U)(74), a flagship Mission of Government of India being implemented by Ministry of Housing and Urban Affairs (MoHUA), was launched on 25th June 2015. The Mission addresses urban housing shortage among the EWS/LIG and MIG categories including the slum dwellers by ensuring a pucca house to all eligible urban households by the year 2022, when Nation completes 75 years of its Independence.

Pradhan Mantri Awas Yojana (Urban) Mission launched on 25th June 2015 which intends to provide housing for all in urban areas by year 2022. The Mission provides Central Assistance to the implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all eligible families/ beneficiaries against the validated demand for houses for about 1.12 cr. As per PMAY(U) guidelines, the size of a house for Economically Weaker Section (EWS) could be upto 30 sq. mt. carpet area, however States/UTs have the flexibility to enhance the size of houses in consultation and approval of the Ministry..

In continuation to this Government’s efforts towards empowerment of women from EWS and LIG unlike earlier schemes, PMAY (U) has made a mandatory provision for the female head of the family to be the owner or co-owner of the house under this Mission. Verticals of PMAY (Urban) A basket of options is adopted to ensure inclusion of a greater number of people depending on their income, finance and availability of land through following four options.

Implementation Methodology

The Mission will be implemented through four verticals giving option to beneficiaries, ULBs and State Governments.
These four verticals are as below:

Subsidy for beneficiary-led individual house construction or enhancement

- For individuals of EWS category requiring individual house - State to prepare a separate project for such beneficiaries - No isolated/ splintered beneficiary to be covered.

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Affordable Housing in Partnership

- with private sector or public sector including Parastatal agencies - Central Assistance per EWS house in affordable housing projects where 35% of constructed houses are for EWS category

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Affordable Housing through Credit Linked Subsidy

- Interest subvention subsidy for EWS and LIG for new house or incremental housing - EWS: Annual Household Income up to Rs.3 lakh and house sizes upto 30 sq.m - LIG: Annual Household Income between Rs.3-6 lakhs and house sizes upto 60 sq.m

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"In situ" Slum Redevelopment

- Using land as a resource - With private participation - Extra FSI/TDR/FAR if required to make projects financially viable

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