SRINAGAR: Jammu and Kashmir has completed 35,167 of the 45,112 houses sanctioned under the Pradhan Mantri Awas Yojana Urban, a completion rate of about 78 per cent, parliamentary records show, leaving roughly 9,945 units yet to be finished across the Union Territory.
The figures, shared in Lok Sabha, show that central assistance of Rs 586.00 crore was released for PMAY-U works in Jammu and Kashmir, of which Rs 434.48 crore has been utilised. Spending in the last five years amounted to Rs 392.07 crore, indicating the bulk of funds were claimed recently to accelerate construction and delivery.
By comparison, the national PMAY-U roll-out records 1.22 crore houses sanctioned, of which 97.02 lakh have been completed and delivered to beneficiaries, and 114.84 lakh have been grounded, underscoring the scale of the central mission. Nationally, about 79.3 per cent of sanctioned houses under PMAY-U have been completed, placing Jammu and Kashmir marginally below the all-India completion rate.
PMAY-U, launched in June 2015, was restructured into PMAY-U 2.0 from September 1, 2024. The revamped mission targets an additional one crore urban beneficiaries over five years through four verticals — Beneficiary Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and an Interest Subsidy Scheme. The ministry told Parliament that, so far, 122.28 lakh houses have been sanctioned under PMAY-U schemes nationwide, including 10.66 lakh under PMAY-U 2.0; 97.02 lakh houses have been completed as of January 22, 26.
The ministry explained that central assistance under PMAY-U is released in three instalments of 40 per cent, 40 per cent and 20 per cent, contingent on compliance and physical progress submitted by states and urban local bodies. To boost affordability and long-term sustainability, the central government has mandated a State or Union Territory share under PMAY-U 2.0, revamped the Credit Risk Guarantee Fund for low-income housing and instituted a Technology and Innovation Sub-Mission to promote resource-efficient, climate-responsive and disaster-resilient construction practices.
For Jammu and Kashmir, the transition from the older JnNURM and BSUP programmes to PMAY-U places emphasis on converting sanctioned projects into completed homes while ensuring linked civic services — water, sanitation, drainage and solid waste management — accompany housing delivery. Experts caution that timely fund flow, strengthened implementing capacity at municipal and district levels, and transparent beneficiary lists will determine whether PMAY-U 2.0 meaningfully closes urban housing deficits in the Union Territory.
