20 June 2026·PIB

Hon’ble Minister for Housing and Urban Affairs sanctions over 42,000 houses under PMAY-U 2.0 in Madhya Pradesh; 38,000 families perform grih pravesh

In this note

1. At a Glance

Pradhan Mantri Awas Yojana – Urban 2.0 is the relaunched (2024) urban "Housing for All" mission targeting 1 crore additional urban families with central assistance of up to ₹2.50 lakh per house [3].
On 20 June 2026, Union MoHUA Minister Shri Manohar Lal sanctioned over 42,000 houses in MP and presided over grih pravesh of ~38,000 families (total ~80,000 beneficiaries) at Sanwer, Indore [1].
Significant because it operationalises PMAY-U 2.0 at state scale and showcases the Beneficiary-Led Construction (BLC) vertical in a BJP-ruled state under CM Dr Mohan Yadav [1].

20 June 2026: Union Minister Manohar Lal, with MP CM Dr Mohan Yadav, State Urban Development Minister Kailash Vijayvargiya and MoS Pratima Bagri, launched the Sanwer event covering ~80,000 families through fresh sanctions + grih pravesh under PMAY-U 2.0 [1].

PMAY (Urban) launched 25 June 2015 as the flagship "Housing for All" mission [3].
PMAY-U 2.0 approved by Union Cabinet on 9 August 2024 (announced post Cabinet of 10 June 2024 commitment to 3 crore additional houses) [3].
Investment outlay: ₹10 lakh crore with Government assistance of ₹2.30 lakh crore [2][3].
Implementation period: 5 years (2024–2029) for 1 crore urban houses [3].

Implementing Ministry: Ministry of Housing & Urban Affairs (MoHUA) [1][2].
Scheme type: Centrally Sponsored Scheme (CSS); the ISS vertical is a Central Sector Scheme [2].
Four Verticals: Beneficiary-Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), Interest Subsidy Scheme (ISS) [2].
Per-house central assistance (AHP/BLC): ₹2.50 lakh [2][3].
ISS terms: 4% interest subsidy on first ₹8 lakh of home loan (loan ≤ ₹25 lakh; house value ≤ ₹35 lakh); tenure up to 12 years; max subsidy ₹1.80 lakh [2].
Income categories: EWS ≤ ₹3 lakh; LIG ₹3–6 lakh; MIG ₹6–9 lakh p.a. [3].
Credit Risk Guarantee Fund Trust (CRGFT) corpus raised from ₹1,000 cr → ₹3,000 cr [3].
Target: 1 crore urban poor & middle-class families [2][3].

Economic: ₹10 lakh crore outlay catalyses construction sector & ancillary employment (cement, steel, MSME labour); ISS deepens formal mortgage market via NHB-PLI MoUs [3][2].
Social: Targets EWS/LIG/MIG; BLC empowers self-construction by urban poor on owned land; women co-ownership norms continue from PMAY-U 1.0 [2][3].
Administrative / Federalism: CSS model — states/UTs identify beneficiaries; Central Sanctioning & Monitoring Committee (CSMC) under MoHUA approves state DPRs (6th CSMC held in 2025) [2].
Governance: Aadhaar-linked beneficiary verification, geo-tagging of houses, and Angikaar 2025 campaign for community mobilisation continue [2].
Ethical: Addresses Article 21 (right to shelter as part of life) and DPSP Article 39(b) equitable distribution; risk of exclusion errors in slum surveys.

9 Aug 2024: Union Cabinet approves PMAY-U 2.0 [3].
Sept 2024: Formal launch; ISS vertical operationalised with MoUs between NHB and Primary Lending Institutions [2].
2025: 3rd CSMC approves 2.35 lakh houses; subsequent CSMC meetings add tranches; Angikaar 2025 campaign rolled out [2].
20 June 2026: MP sanction of 42,000+ houses; 38,000 grih pravesh at Sanwer, Indore [1].

PMAY-U 2.0 approved by Union Cabinet on 9 August 2024 [3].
Total target: 1 crore urban houses over 5 years [3].
Total investment: ₹10 lakh crore; central assistance ₹2.30 lakh crore [2][3].
Four verticals: BLC, AHP, ARH, ISS [2].
Only ISS is a Central Sector Scheme; rest are CSS [2].
Central assistance per house under BLC/AHP = ₹2.50 lakh [2].
ISS: 4% subsidy, first ₹8 lakh of loan, max ₹1.80 lakh, 12-year tenure [2].
EWS income ceiling: ₹3 lakh p.a.; MIG ceiling ₹9 lakh p.a. [3].
CRGFT corpus: ₹3,000 crore (up from ₹1,000 cr) [3].
Implementing ministry: MoHUA (not Ministry of Rural Development) [1].
Sanwer event (20 Jun 2026) in Indore district, Madhya Pradesh [1].
Union Minister of Housing & Urban Affairs: Shri Manohar Lal [1].

GS-II: Welfare schemes for vulnerable sections; Centre-State implementation of CSS.
GS-III: Inclusive growth, housing & infrastructure, urbanisation.
Possible question stems:
"Evaluate how PMAY-U 2.0 addresses the demand-side gaps of PMAY-U 1.0, particularly through the Interest Subsidy and Affordable Rental Housing verticals."
"Affordable urban housing remains a challenge despite a decade of PMAY. Discuss with reference to financing, land and beneficiary identification."
"Discuss the role of Credit Risk Guarantee Fund in expanding formal home loans to EWS/LIG segments."

PMAY-Gramin — rural counterpart, MoRD-administered.
AMRUT 2.0 — companion urban infrastructure mission.
Smart Cities Mission — urban transformation peer scheme.
SVAMITVA Scheme — property rights via drone survey, complements housing.
DAY-NULM — urban livelihood mission, beneficiary overlap.
Credit Risk Guarantee Fund Trust (CRGFT) & National Housing Bank (NHB) — financing architecture.
Article 21 right to shelter jurisprudence (Olga Tellis, Chameli Singh).
Census 2011 housing shortage estimates — baseline for PMAY targets.

Confusing PMAY-U (MoHUA) with PMAY-G (MoRD) — different ministries.
Assuming all four verticals are CSS — ISS is Central Sector.
Mixing up income slabs — MIG ceiling is ₹9 lakh under PMAY-U 2.0 (PMAY-U 1.0 had MIG-I/II up to ₹18 lakh under CLSS).
Treating ₹2.50 lakh assistance as a loan — it is a subsidy/grant under BLC/AHP.
PMAY-U 2.0 cabinet approval year is 2024, not 2022 or 2015 (that was PMAY-U 1.0).