7th CSMC meeting under PMAY-Urban 2.0 chaired by Secretary, MoHUA
1. At a Glance
- PMAY-U 2.0 is the second phase of India's flagship urban housing mission, launched September 2024, with a target of 1 crore additional houses for urban poor & middle-class families over 5 years [S2][S3].
- The Central Sanctioning and Monitoring Committee (CSMC), chaired by Secretary, MoHUA, is the apex body that vets and approves State/UT housing proposals under the scheme [S1][S4].
- The 7th CSMC meeting (17 June 2026) sanctioned an additional 2.13 lakh houses, pushing cumulative sanctions past 16 lakh with 97 % allotment to women — a key Prelims-ready data point [S1].
2. Why in the News
- On 17 June 2026, the 7th CSMC under PMAY-U 2.0, chaired by Shri Srinivas Katikithala (Secretary, MoHUA) at Sankalp Bhawan, New Delhi, approved 2.13 lakh additional houses for urban poor [S1].
- Cumulative sanctions under PMAY-U 2.0 crossed 16 lakh, with 97 % of houses allotted to women beneficiaries (including widows, unmarried, separated women) [S1].
- Also attended by Shri Kuldip Narayan, JS & Mission Director, HFA and Shri Sanjeet, JS & Financial Advisor, MoHUA [S1].
3. Background & Evolution
- PMAY-Urban (1.0) launched 25 June 2015 under "Housing for All" mission; closed for new sanctions in 2022, implementation extended to Dec 2024 [S2].
- PMAY-U 2.0 approved by Union Cabinet on 9 August 2024; formally launched by PM in September 2024 [S2][S3].
- CSMC meetings under PMAY-U 2.0 (chronology):
- 1st CSMC — first sanctions under new phase [S4].
- 3rd CSMC — 2.35 lakh houses approved [S5].
- 5th CSMC — 1.47 lakh houses approved [S5].
- 6th CSMC (23 Feb 2026) — 2.88 lakh houses; cumulative ~13.61 lakh [S5].
- 7th CSMC (17 Jun 2026) — 2.13 lakh houses; cumulative >16 lakh [S1].
4. Core Static Facts
| Item | Detail |
|---|---|
| Scheme | Pradhan Mantri Awas Yojana – Urban 2.0 [S2] |
| Nodal Ministry | Ministry of Housing and Urban Affairs (MoHUA) [S1] |
| Mission name | Housing for All (HFA) [S1] |
| Launch | September 2024 (Cabinet nod 9 Aug 2024) [S2] |
| Duration | 5 years (2024–2029) [S2] |
| Target | 1 crore urban houses [S2] |
| Total investment | ₹10 lakh crore [S2] |
| Government assistance | ₹2.30 lakh crore [S2] |
| Per unit central assistance (BLC/AHP) | ₹2.50 lakh [S2] |
| ISS subsidy | 4 % interest subvention on loans up to ₹25 lakh; max ₹1.80 lakh in 5 yearly instalments [S2] |
| Technology Innovation Grant (TIG) | ₹1,000 per sqm/unit (AHP) [S2] |
| Verticals (4) | BLC, AHP, ARH, ISS [S2] |
| Scheme type | CSS (except ISS which is Central Sector Scheme) [S2] |
| Cost-share | 60:40 (general States); 90:10 (NE, HP, Uttarakhand, UTs with legislature); 100:0 (UTs w/o legislature) [S2] |
| Apex body | Central Sanctioning and Monitoring Committee (CSMC), chaired by Secretary, MoHUA [S1] |
5. Multi-Dimensional Analysis
Social / Gender - 97 % of sanctioned houses under PMAY-U 2.0 allotted to women, including widows, separated, unmarried — operationalising women-led housing ownership [S1]. - Targets EWS, LIG, MIG families; EWS = annual household income up to ₹3 lakh (PMAY-U 2.0 norm) [S2].
Economic - ₹10 lakh crore investment unlocks demand in cement, steel, MSME construction; Technology Innovation Grant incentivises innovative low-cost construction [S2]. - ISS revives credit-linked housing demand for middle-income segment after lapse of CLSS in PMAY-U 1.0 [S2].
Administrative / Federal - Centrally Sponsored Scheme with differentiated 60:40 / 90:10 / 100:0 cost-sharing — preserves cooperative federalism while skewing support to NE and Himalayan states [S2]. - CSMC mechanism centralises sanction quality control; State Level Sanctioning Committees feed proposals upward [S1][S4].
Governance - Implementation via MoUs between National Housing Bank (NHB) and Primary Lending Institutions (PLIs) for ISS vertical [S2]. - Monitoring through periodic CSMC reviews (7 meetings in under 24 months) reflects high-frequency oversight cadence [S1][S5].
6. Recent Developments (last 12-18 months)
- 17 Jun 2026 — 7th CSMC: 2.13 lakh houses sanctioned; cumulative crosses 16 lakh; 97 % to women [S1].
- 23 Feb 2026 — 6th CSMC: 2.88 lakh houses sanctioned across 16 States/UTs; cumulative 13.61 lakh [S5].
- 2025 — National Workshop on ISS vertical; NHB–PLI MoUs signed for credit-linked subsidy operationalisation [S2].
- 2025 — Angikaar 2025 outreach campaign launched alongside PMAY-U 2.0 implementation [S2].
- Sep 2024 — PMAY-U 2.0 launched by PM [S3].
7. Prelims Hooks
- PMAY-U 2.0 launched September 2024; Cabinet approval 9 August 2024 [S2].
- Total investment ₹10 lakh crore; Government assistance ₹2.30 lakh crore [S2].
- Target: 1 crore urban houses in 5 years [S2].
- Four verticals: BLC, AHP, ARH, ISS [S2].
- ISS: 4 % subvention on loans up to ₹25 lakh; max subsidy ₹1.80 lakh in 5 yearly instalments [S2].
- Per unit central assistance under AHP/BLC: ₹2.50 lakh [S2].
- Technology Innovation Grant = ₹1,000/sqm/unit [S2].
- ISS is implemented as a Central Sector Scheme; rest of PMAY-U 2.0 is a Centrally Sponsored Scheme [S2].
- Cost-share for NE & Himalayan states (HP, Uttarakhand): 90:10 [S2].
- Apex sanctioning body is CSMC, chaired by Secretary, MoHUA [S1].
- 7th CSMC held at Sankalp Bhawan, New Delhi on 17 June 2026 [S1].
- 7th CSMC sanctioned 2.13 lakh houses; cumulative >16 lakh; 97 % to women [S1].
- Implementing nodal lender for ISS: National Housing Bank (NHB) [S2].
8. Mains Relevance
- GS-II — Government policies and interventions for development in social sectors (Housing, Urban Poor).
- GS-I — Urbanisation, problems and remedies; women empowerment angle.
- GS-III — Inclusive growth; infrastructure & housing.
- Plausible question stems: 1. "Evaluate the design improvements in PMAY-Urban 2.0 over PMAY-U 1.0 with respect to credit-linked subsidies and rental housing." (GS-II) 2. "Affordable urban housing is as much a question of land and finance as of construction. Discuss in the light of PMAY-U 2.0." (GS-III) 3. "Examine the role of women as beneficiaries in India's flagship housing schemes." (GS-I)
9. Related Topics to Study Next
- PMAY-Gramin — rural counterpart; compare cost-norms and targets.
- AMRUT 2.0 — sister MoHUA mission; converges on urban service delivery.
- Smart Cities Mission — overlapping urban transformation framework.
- SVAMITVA Scheme — property rights, links to BLC's "patta" provisioning.
- National Urban Livelihoods Mission (DAY-NULM) — same target group as PMAY-U.
- Credit Linked Subsidy Scheme (CLSS) of PMAY-U 1.0 — predecessor to ISS.
- Census 2011 urban housing shortage estimates — basis of demand projections.
- NHB & RBI's affordable housing refinance window — financing pipeline.
10. Common Errors / Trap Areas
- Wrong ministry: PMAY-U is under MoHUA, NOT Ministry of Rural Development (which runs PMAY-G).
- CSS vs CS confusion: PMAY-U 2.0 is CSS, but its ISS component is a Central Sector Scheme — frequently tested distinction [S2].
- Subsidy ceiling: Max ISS subsidy is ₹1.80 lakh (not ₹2.67 lakh as in old CLSS); loan cap ₹25 lakh, not ₹35 lakh [S2].
- Verticals: PMAY-U 2.0 has 4 verticals (BLC, AHP, ARH, ISS) — the old "In-Situ Slum Redevelopment (ISSR)" vertical of PMAY-U 1.0 is NOT continued as a separate vertical.
- CSMC chair: Chaired by Secretary, MoHUA, not Minister or PM.
- Launch year: PMAY-U 2.0 is 2024, not 2023; do not conflate with Cabinet approval date vs PM launch date.
11. Sources
- [S1] 7th CSMC meeting under PMAY-Urban 2.0 chaired by Secretary, MoHUA — https://www.pib.gov.in/PressReleasePage.aspx?PRID=2274164 — (tier: 1)
- [S2] Cabinet approves Pradhan Mantri Awas Yojana-Urban 2.0 Scheme — https://www.pib.gov.in/PressReleasePage.aspx?PRID=2043924 — (tier: 1)
- [S3] PMAY-Urban 2.0 launched by Hon'ble PM (Sep 2024) — https://static.pib.gov.in/WriteReadData/specificdocs/documents/2024/sep/doc2024930405701.pdf — (tier: 1)
- [S4] Secretary, MoHUA chairs 1st meeting of CSMC under PMAY-U 2.0 — https://www.pib.gov.in/PressReleseDetailm.aspx?PRID=2113557 — (tier: 1)
- [S5] 6th CSMC meeting / 3rd CSMC / 5th CSMC PMAY-U 2.0 — https://www.pib.gov.in/PressReleasePage.aspx?PRID=2231861 ; https://www.pib.gov.in/PressReleasePage.aspx?PRID=2137416 ; https://www.pib.gov.in/PressReleasePage.aspx?PRID=2179800 — (tier: 1)
