PMAY-U: Maharashtra, MP Figures and Their Groups

Ministry of Housing and Urban Affairs | Source: Lok Sabha question, printed date 30 July 2026 | UPSC / PCS Mains: GS-II (governance, housing, Union-State relations), GS-III (urban development, inclusive growth) | Prelims: PMAY-U, PMAY-U 2.0, BLC, AHP, ARH, ISS, SLSMC, CSMC

Background and Context

In a single answer, cumulative 'so far' figures, current financial year figures and a count of beneficiaries of one vertical can be printed side by side. Reading them on one scale is easy, but every number belongs to a different group. This article reads one such answer on PMAY-U: which figure belongs to which group, which number is "sanctioned", which is "completed/delivered" and which is "released".

What is the News?

Lok Sabha Unstarred Question 2034 carries the printed date 30 July 2026 ("TO BE ANSWERED ON"). Three MPs had asked about PMAY-U targets and funds for Maharashtra and Madhya Pradesh, slum redevelopment on Central Government land, pending ISSR proposals and a "new CLSS". In the shared answer of Minister of State Shri Tokhan Sahu, 13.84 lakh and 10.39 lakh houses have been sanctioned "so far", 10.74 lakh and 9.10 lakh have been "completed/delivered", in the current financial year 30,945 and 27,361 houses have been sanctioned under PMAY-U 2.0, and central assistance of ₹351.03 crore and ₹376.01 crore has been "released". The answer says no proposal for slum redevelopment on Central Government land is pending in the Ministry.

Six Cautions in Reading the Answer

(1) The "new CLSS" of part (d) of the question is not the answer's conclusion; the word "CLSS" does not appear in the answer, the ISS vertical does, and we have not treated the two as one. (2) The "so far" figures are for the combined group of PMAY-U and PMAY-U 2.0; the current financial year figures are only for PMAY-U 2.0. The two cannot be added or mixed. (3) "sanctioned", "completed/delivered" and "released" are three separate numbers; the spending of the released amount is not printed in the answer. (4) The current year's released amount and houses do not make a per-house rate; the answer does not give the composition of components, so we calculated no rate. (5) The statement of zero pending proposals is only for proposals of "Union Government owned land" and "in the Ministry"; it says nothing about proposals with states or other agencies. (6) The ISS beneficiaries are printed in the reverse order (Madhya Pradesh, then Maharashtra); we have kept that same order.

Key Facts and Figures

Question and Answer	Lok Sabha Unstarred Question 2034 ("HOUSING TARGETS AND FUNDS UNDER PMAY-U"), Ministry of Housing and Urban Affairs; printed date "TO BE ANSWERED ON JULY 30, 2026"; the answer is by Minister of State Shri Tokhan Sahu. Questioners (as printed): Shri Shrirang Appa Chandu Barne, Smt. Bharti Pardhi, Shri Ravindra Dattaram Waikar. One shared answer has been given to all five parts, "(a) to (e)".
The five parts of the question (the question's language)	(a) "housing targets" and "funds sanctioned" for Maharashtra and Madhya Pradesh in the "current financial year"; (b) "special concessions or land transfer approvals" for slum redevelopment on Railway, Port Trust or other Central Government land; (c) the number of "pending" proposals of "In-Situ Slum Redevelopment (ISSR)" on central land; (d) "any new Credit Linked Subsidy Scheme (CLSS)" for MIG/LIG; (e) "specific policy guidelines" for "mega redevelopment" of central land.

Question and Answer

Lok Sabha Unstarred Question 2034 ("HOUSING TARGETS AND FUNDS UNDER PMAY-U"), Ministry of Housing and Urban Affairs; printed date "TO BE ANSWERED ON JULY 30, 2026"; the answer is by Minister of State Shri Tokhan Sahu. Questioners (as printed): Shri Shrirang Appa Chandu Barne, Smt. Bharti Pardhi, Shri Ravindra Dattaram Waikar. One shared answer has been given to all five parts, "(a) to (e)".

The five parts of the question (the question's language)

(a) "housing targets" and "funds sanctioned" for Maharashtra and Madhya Pradesh in the "current financial year"; (b) "special concessions or land transfer approvals" for slum redevelopment on Railway, Port Trust or other Central Government land; (c) the number of "pending" proposals of "In-Situ Slum Redevelopment (ISSR)" on central land; (d) "any new Credit Linked Subsidy Scheme (CLSS)" for MIG/LIG; (e) "specific policy guidelines" for "mega redevelopment" of central land.

Terms: CLSS and ISS	Part (d) of the question says "CLSS". The word "CLSS" does not appear in the answer; the answer names PMAY-U 2.0's four "verticals": "Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS)". We have not treated "CLSS" and "ISS" as one; both have been kept as printed.
A State subject, the Centre's assistance	Answer: "'Land' and 'Colonization' are State subjects." So housing schemes are implemented by States/Union Territories; "MoHUA supplements the efforts of States/UTs by providing Central Assistance under Pradhan Mantri Awas Yojana - Urban (PMAY-U) since June 25, 2015".

PMAY-U 2.0	Answer: on the basis of experience gained from PMAY-U, the Ministry "revamped" the scheme and started the "PMAY-U 2.0 'Housing for All' Mission" "with effect from 01.09.2024", to assist "1 crore additional eligible beneficiaries including Low Income Group (LIG) and Middle Income Group (MIG)".
ISS vertical	Answer: ISS "is implemented as a Central Sector Scheme through Central Nodal Agencies such as National Housing Bank (NHB), State Bank of India (SBI) and Housing and Urban Development Corporation Ltd. (HUDCO)"; under PMAY-U 2.0's scheme guidelines "a maximum release of interest subsidy of ₹1.80 lakh is provided to eligible beneficiaries in five yearly installments".

Process	Answer: PMAY-U and PMAY-U 2.0 follow a "demand driven approach"; states assess need through their ULBs/Implementing Agencies and verify beneficiaries. "project proposals are prepared and approved by the State Level Sanctioning and Monitoring Committee (SLSMC) headed by the Chief Secretary", and then the "Central Sanctioning and Monitoring Committee (CSMC)" considers the "release of Central Assistance".
Overall figures: "so far"	Answer: "Based on the project proposal submitted by Maharashtra and Madhya Pradesh 13.84 lakh and 10.39 lakh houses respectively have been sanctioned under PMAY-U/PMAY-U 2.0 so far, of which 10.74 lakh and 9.10 lakh houses have been completed/delivered." This is the combined group of PMAY-U and PMAY-U 2.0; no date or period for "so far" is printed in the answer.

Process

Answer: PMAY-U and PMAY-U 2.0 follow a "demand driven approach"; states assess need through their ULBs/Implementing Agencies and verify beneficiaries. "project proposals are prepared and approved by the State Level Sanctioning and Monitoring Committee (SLSMC) headed by the Chief Secretary", and then the "Central Sanctioning and Monitoring Committee (CSMC)" considers the "release of Central Assistance".

Overall figures: "so far"

Answer: "Based on the project proposal submitted by Maharashtra and Madhya Pradesh 13.84 lakh and 10.39 lakh houses respectively have been sanctioned under PMAY-U/PMAY-U 2.0 so far, of which 10.74 lakh and 9.10 lakh houses have been completed/delivered." This is the combined group of PMAY-U and PMAY-U 2.0; no date or period for "so far" is printed in the answer.

Current financial year: only PMAY-U 2.0	Answer: "During the current financial year 30,945 and 27,361 houses have been sanctioned under PMAY-U 2.0 and central assistance of ₹351.03 crore and ₹376.01 crore have been released in Maharashtra and Madhya Pradesh respectively." That is, Maharashtra: 30,945 houses and ₹351.03 crore; Madhya Pradesh: 27,361 houses and ₹376.01 crore. The name of the financial year is not printed in the answer; "released" does not mean spent.
ISS beneficiaries	Answer: "A total of 10,848 and 38,339 beneficiaries have availed benefits under the ISS vertical of PMAY-U 2.0 in the States of Madhya Pradesh and Maharashtra respectively." Here the order is reversed: first Madhya Pradesh, then Maharashtra. This number is for PMAY-U 2.0's ISS vertical; no period of it is printed.

Current financial year: only PMAY-U 2.0

Answer: "During the current financial year 30,945 and 27,361 houses have been sanctioned under PMAY-U 2.0 and central assistance of ₹351.03 crore and ₹376.01 crore have been released in Maharashtra and Madhya Pradesh respectively." That is, Maharashtra: 30,945 houses and ₹351.03 crore; Madhya Pradesh: 27,361 houses and ₹376.01 crore. The name of the financial year is not printed in the answer; "released" does not mean spent.

ISS beneficiaries

Answer: "A total of 10,848 and 38,339 beneficiaries have availed benefits under the ISS vertical of PMAY-U 2.0 in the States of Madhya Pradesh and Maharashtra respectively." Here the order is reversed: first Madhya Pradesh, then Maharashtra. This number is for PMAY-U 2.0's ISS vertical; no period of it is printed.

Central land	Answer: "Central Government land owning agencies could also undertake 'in-situ' slum redevelopment on their lands occupied by slum dwellers under PMAY-U 2.0. Land owning agencies have their own policies of land management and States/UTs may coordinate with such agencies for relocation/redevelopment of slums on such land." Also: "No project proposal related to slum redevelopment for Union Government owned land in Maharashtra and Madhya Pradesh is pending under PMAY-U/ PMAY-U 2.0 in the Ministry."
What the answer does not print	Any number for "housing targets"; a separate answer to the "special concessions or land transfer approvals" asked in (b); a separate answer to the "specific policy guidelines" of (e); the date of "so far"; the name of the current financial year; how much of the released amount has been spent; the period of the ISS beneficiaries; the component-wise composition of assistance. "Not printed" does not mean "does not exist" or "was refused".

Central land

Answer: "Central Government land owning agencies could also undertake 'in-situ' slum redevelopment on their lands occupied by slum dwellers under PMAY-U 2.0. Land owning agencies have their own policies of land management and States/UTs may coordinate with such agencies for relocation/redevelopment of slums on such land." Also: "No project proposal related to slum redevelopment for Union Government owned land in Maharashtra and Madhya Pradesh is pending under PMAY-U/ PMAY-U 2.0 in the Ministry."

What the answer does not print

Any number for "housing targets"; a separate answer to the "special concessions or land transfer approvals" asked in (b); a separate answer to the "specific policy guidelines" of (e); the date of "so far"; the name of the current financial year; how much of the released amount has been spent; the period of the ISS beneficiaries; the component-wise composition of assistance. "Not printed" does not mean "does not exist" or "was refused".

Our Calculation

The figures below are not printed in the answer; we derived them only from the printed numbers of one group ("so far", PMAY-U/PMAY-U 2.0), and the printed numbers are rounded to two decimals in lakh. Maharashtra: 10.74 lakh "completed/delivered" out of 13.84 lakh, that is, a difference of 3.10 lakh and a share of about 77.6%. Madhya Pradesh: 9.10 lakh out of 10.39 lakh, that is, a difference of 1.29 lakh and a share of about 87.6%. This difference has not been called "pending" or "delayed" in the answer; its reason is not in the answer either, and we have made no ranking of the two states on this basis. We made no calculation on the current financial year's houses and released amount.

Analysis: Which Number Belongs to Which Group

First point, two groups. The answer's "PMAY-U/PMAY-U 2.0 so far" numbers are the combined figure of both generations, covering the scheme that began on 25 June 2015 and the new mission that began on 01.09.2024. The current financial year numbers are only of PMAY-U 2.0. So reading 30,945 as a "share" of 13.84 lakh would be wrong, because the groups are different.

Second point, three different actions. "sanctioned" houses are those that received approval; "completed/delivered" is a combined phrase, which the answer printed together and which we too have not separated; "released" is the amount of central assistance. None of the three means another, and the spending of the released amount is not in the answer.

Third point, the odd-looking pair above. In the current financial year, Madhya Pradesh's released amount (₹376.01 crore) is printed higher than Maharashtra's (₹351.03 crore), while the houses are fewer (27,361 versus 30,945). The answer does not give its reason, nor the components of the amount. We have kept both pairs as they are and added no per-house rate or reason.

Fourth point, central land. The answer says Central Government land-owning agencies can undertake 'in-situ' redevelopment under PMAY-U 2.0, they have their own land-management policies, and states may coordinate with them. This is a statement of the policy framework. The answer has no separate reply to (b)'s "special concessions or land transfer approvals" and (e)'s "specific policy guidelines"; we do not read this as "no concessions" or "no new guidelines". The zero-pending statement is only about proposals for central land in the Ministry.

Fifth point, ISS. The ISS count in the answer (Madhya Pradesh 10,848, Maharashtra 38,339) is of those who "availed benefits" and is only of PMAY-U 2.0's ISS vertical. It cannot be mixed with the "so far" house numbers, and its period is not printed in the answer.

Way Forward: Unanswered Questions

What the current financial year's "housing targets" are.
Up to what date the "so far" figures run.
How much of the released ₹351.03 crore and ₹376.01 crore has been spent.
What the position is on (b)'s special concessions or land-transfer approvals and (e)'s specific guidelines
Which period the 10,848 and 38,339 ISS beneficiaries belong to.

Exam-Useful Points

Prelims: PMAY-U (from 25 June 2015) and the PMAY-U 2.0 "Housing for All" Mission (from 01.09.2024); PMAY-U 2.0's four verticals: BLC, AHP, ARH, ISS; ISS: a Central Sector Scheme, maximum interest subsidy up to ₹1.80 lakh, five yearly instalments; SLSMC (chaired by the Chief Secretary) and CSMC; "Land" and "Colonization" are State subjects. Mains: Union-State relations and housing schemes; the difference between sanctioned, completed and released figures; not mixing the figures of two scheme generations; identifying each part in a shared parliamentary answer; not reading "not printed" as "does not exist".

UPSC CSE Mains Practice Question

When a parliamentary answer on an urban housing scheme prints cumulative 'so far' houses, current financial year houses and released central assistance side by side, which distinctions should be kept in mind while reading these figures? Explain on the basis of an answer on PMAY-U/PMAY-U 2.0, and state which additional information will be needed to assess progress. (10 marks, word limit 150)

Answer Outline

Introduction: The shared answer with the printed date of 30 July 2026; a State subject and central assistance.

Main Body: What the answer contains: the combined "so far" figure of two generations; PMAY-U 2.0's current-year houses and released amount; the separate ISS count; what does not emerge: the shares of the numbers in one another, a per-house rate, spending, "CLSS" being ISS; the additional information needed: dates, targets, utilisation, period, components.

Conclusion: Read every number tied to its group and its action.

Sources and Related Articles

Lok Sabha Unstarred Question 2034, printed date 30 July 2026 (Ministry of Housing and Urban Affairs)

All facts are from this 3-page answer. No related-article link has been given with this article.

Remember: the "so far" houses are the combined group of PMAY-U and PMAY-U 2.0; the current financial year's houses and released amount are only of PMAY-U 2.0. "released" does not mean spent. The zero-pending statement is only about proposals for central land in the Ministry. The question's "CLSS" is not in the answer.

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