UPSC Prelims Practice Questions — Pradhan Mantri Awas Yojana - Urban Milestone: 1.25 crore houses sanctioned, 1 crore houses delivered
Q1. With reference to Pradhan Mantri Awas Yojana-Urban 2.0 (PMAY-U 2.0) as approved by the Union Cabinet, consider the following:
1. It envisages assistance to one crore urban poor and middle-class families over a period of five years.
2. Affordable Rental Housing is one of its implementation verticals.
3. In-Situ Slum Redevelopment continues as one of its implementation verticals.
4. Families with an annual income above ₹6 lakh and up to ₹9 lakh are covered under its Middle Income Group category.
Which of the above is/are correctly identified?
- It envisages assistance to one crore urban poor and middle-class families over a period of five years.
- Affordable Rental Housing is one of its implementation verticals.
- In-Situ Slum Redevelopment continues as one of its implementation verticals.
- Families with an annual income above ₹6 lakh and up to ₹9 lakh are covered under its Middle Income Group category.
- A. 1 and 3
- B. 2, 3 and 4
- C. 1, 2 and 4
- D. 1 and 4 only
Q2. Under PMAY-U 2.0, the largest number of houses sanctioned so far has been under which one of the following verticals?
- A. Beneficiary Led Construction
- B. Affordable Housing in Partnership
- C. Affordable Rental Housing
- D. Interest Subsidy Scheme
Q3. Under the Beneficiary Led Construction and Affordable Housing in Partnership verticals of PMAY-U 2.0, the highest per-unit central assistance is admissible in respect of which one of the following?
- A. All States other than the North-Eastern and Himalayan States
- B. The North-Eastern States and the Himalayan States, including Uttarakhand and Himachal Pradesh
- C. The Union Territories, including those having a legislature
- D. The Union Territories of Jammu & Kashmir and Ladakh alone
Q4. PMAY-U 2.0 envisages a total investment of ₹10 lakh crore. Of this, how much is the Government of India assistance committed to the scheme?
- A. ₹1.80 lakh crore
- B. ₹2.30 lakh crore
- C. ₹2.06 lakh crore
- D. ₹3.06 lakh crore
Q5. As per the status reported by the Ministry of Housing and Urban Affairs in July 2026, how many houses had been completed and delivered to beneficiaries under PMAY-U and PMAY-U 2.0 taken together?
- A. About 127.7 lakh
- B. About 121.0 lakh
- C. About 16.2 lakh
- D. About 99.1 lakh
Q6. Which one of the following releases the periodic status of houses sanctioned, grounded and completed under India's flagship affordable housing mission for towns and cities?
- A. The Ministry of Finance, acting through the National Housing Bank
- B. The Ministry of Housing and Urban Affairs
- C. The Ministry of Rural Development, through the Department of Rural Development
- D. The Ministry of Statistics and Programme Implementation, through the National Statistical Office
Q7. With reference to the Central Sanctioning and Monitoring Committee (CSMC) under PMAY-U 2.0, consider the following:
1. It is chaired by the Secretary, Ministry of Housing and Urban Affairs.
2. Its approvals during 2026 covered houses under the Affordable Rental Housing vertical in addition to Beneficiary Led Construction and Affordable Housing in Partnership.
3. Its cumulative sanctions under PMAY-U 2.0 had crossed 50 lakh houses by June 2026.
4. It sanctions interest subsidy claims at each of its meetings and itself releases the subsidy directly into beneficiary bank accounts.
Which of the above is/are NOT correct?
- It is chaired by the Secretary, Ministry of Housing and Urban Affairs.
- Its approvals during 2026 covered houses under the Affordable Rental Housing vertical in addition to Beneficiary Led Construction and Affordable Housing in Partnership.
- Its cumulative sanctions under PMAY-U 2.0 had crossed 50 lakh houses by June 2026.
- It sanctions interest subsidy claims at each of its meetings and itself releases the subsidy directly into beneficiary bank accounts.
- A. 1 and 2
- B. 3 only
- C. 3 and 4
- D. 2 and 4
Q8. Under PMAY-U 2.0, the interest subsidy is routed to beneficiary accounts through Primary Lending Institutions by which one of the following sets of Central Nodal Agencies?
- A. National Housing Bank, HUDCO and State Bank of India
- B. NABARD, SIDBI and the National Housing Bank
- C. HUDCO, NABARD and LIC Housing Finance Limited
- D. Reserve Bank of India, National Housing Bank and Punjab National Bank
Q9. Which one of the following statements regarding the operationalisation of the verticals of PMAY-U 2.0 is correct?
- A. All four verticals are executed exclusively by the Ministry of Housing and Urban Affairs, with no implementing role whatsoever for States and Union Territories.
- B. The Interest Subsidy Scheme is operationalised through Primary Lending Institutions, with the subsidy routed by designated Central Nodal Agencies.
- C. Every house under Beneficiary Led Construction is necessarily built by a State parastatal agency on land compulsorily acquired for the purpose.
- D. The entire central assistance under Affordable Housing in Partnership is released by the Ministry directly to private developers, bypassing the State governments.
Q10. PMAY-U launched in 2015 and PMAY-U 2.0 approved in 2024 each operate through four verticals. How many of these verticals bear the same name under both?
- A. One
- B. Two
- C. Three
- D. Four
Q11. As reported by the Ministry of Housing and Urban Affairs, approximately what proportion of the houses sanctioned under PMAY-U 2.0 has been allotted to women as sole or joint owners?
- A. About 62 per cent
- B. About 78 per cent
- C. About 88 per cent
- D. About 96 per cent
Q12. Unlike the urban component of Pradhan Mantri Awas Yojana, the rural component PMAY-Gramin is implemented under the administrative authority of which one of the following?
- A. The Department of Rural Development, Ministry of Rural Development
- B. The Department of Land Resources, Ministry of Rural Development
- C. The Department of Rural Housing, Ministry of Housing and Urban Affairs
- D. The Ministry of Panchayati Raj, through the Gram Panchayats