Pradhan Mantri Awas Yojana - Housing for All
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Government scheme — a structured programme with defined beneficiaries, budget allocation, and delivery mechanisms. The primary instrument for delivering welfare and development outcomes.
Summary
Comprehensive housing scheme targeting construction of 2 crore houses in urban areas and 2.95 crore in rural areas by 2024. Provides interest subsidy on home loans and direct assistance for house construction.
Key Facts
TypeScheme
SourceHistorical Record
PublishedThursday, 25 June 2015
Affected Population~100 million urban housing shortage, 30 million rural
Key Numbers
PMAY: 4.13 crore houses total sanctioned
Urban housing shortage: 10 million units
Affordable Housing Fund: Rs 25,000 crore
PMAY-U: 1.18 crore houses sanctioned
Key Authorities
Key Stakeholders
Government Context
NDA IBJP-led NDA
LeftCentreRight
Impact Assessment
8/10
Impact ScoreBeneficiaries4.5 crore families (rural + urban)
Budget AllocationRs 79K Crore
CoverageAll states and UTs
Implementation StatusOperational
82% implemented
Key Outcomes
- 3.5 crore houses completed (rural + urban)
- Women ownership/co-ownership in 70%+ homes
- Interest subsidy of Rs 2.67 lakh per CLSS beneficiary
Challenges
- Urban land cost escalation
- Completion delays in some states
- Quality concerns in rapid construction