SCHEMES FOR URBAN POOR

• Urban Poverty Alleviation is a State subject; the Union government supplements State/UT efforts via centrally-sponsored schemes administered by the Ministry of Housing & Urban Affairs (MoHUA).
• Core pillars: DAY-NULM (livelihoods/skilling/SHGs), PM SVANidhi (street-vendor micro-credit), PMAY-U / PMAY-U 2.0 (affordable housing).
• High-yield UPSC topic linking GS-II (welfare schemes, federalism) and GS-III (inclusive growth, urban poverty).