PMAY: Housing for All

PMAY aims to provide Pucca Houses with basic amenities to all eligible urban and rural households.

1. PMAY-Urban

PMAY-Urban

Cue Words	Notes
Analyze key facts and concepts related to PMAY-Urban.	CLSS: Interest subsidy for EWS/LIG categories. AHP: Affordable housing in partnership with private/public sector. Nodal Ministry: Ministry of Housing & Urban Affairs (MoHUA); PMAY-Urban launched 2015. Eligibility: EWS (annual income up to ₹3 lakh) and LIG (₹3-6 lakh) categories; household must not own a pucca house anywhere in India.

2023 Union Budget 2023-24 — PMAY Outlay Increase

Cue Words	Notes
What did the Union Budget 2023-24 (1 Feb 2023) announce for PM Awas Yojana?	Outlay increase: PMAY outlay increased by 66% to over ₹79,000 crore — cited in the Budget speech as part of the "Inclusive Development" priority under the Saptarishi framework (see Budget 2023-24 Macro notes in the National Income file for the full priority list).

PMAY-Gramin

Cue Words	Notes
Analyze key facts and concepts related to PMAY-Gramin.	Selection: via SECC 2011 and Gram Sabha verification. Mechanism: cash assistance (transferred in stages based on construction progress) + 95 man-days of MGNREGA work. Nodal Ministry: Ministry of Rural Development; launched 2016 as a restructured version of the earlier Indira Awaas Yojana (IAY). Funding Pattern: Centre:State 60:40 (90:10 for NE & Himalayan states; 100% Centre for UTs). Confused-Pair: PMAY-Gramin (rural, MoRD, MGNREGA convergence) vs PMAY-Urban (MoHUA, CLSS/AHP-based) — different ministries and delivery mechanisms despite the common brand name.

Cue Words

Notes

Analyze key facts and concepts related to PMAY-Gramin.

Selection: via SECC 2011 and Gram Sabha verification.
Mechanism: cash assistance (transferred in stages based on construction progress) + 95 man-days of MGNREGA work.
Nodal Ministry: Ministry of Rural Development; launched 2016 as a restructured version of the earlier Indira Awaas Yojana (IAY).
Funding Pattern: Centre:State 60:40 (90:10 for NE & Himalayan states; 100% Centre for UTs).
Confused-Pair: PMAY-Gramin (rural, MoRD, MGNREGA convergence) vs PMAY-Urban (MoHUA, CLSS/AHP-based) — different ministries and delivery mechanisms despite the common brand name.

2024 Interim Budget 2024-25 — Origin Announcement for the 2-Crore-House Expansion

Cue Words	Notes
What did the Interim Budget 2024-25 (1 Feb 2024) announce for PMAY-Gramin?	Target nearing completion: The original PMAY-G target of 3 crore houses was announced as nearing completion. New announcement: 2 crore MORE houses announced for construction over the next 5 years — this Budget announcement is the origin of the expansion that was formally approved by the Cabinet on 9 Aug 2024 (see the FY2024-25 to FY2028-29 Continuation entry below, which carries the finalised outlay/unit-assistance figures).

Cue Words

Notes

What did the Interim Budget 2024-25 (1 Feb 2024) announce for PMAY-Gramin?

Target nearing completion: The original PMAY-G target of 3 crore houses was announced as nearing completion.
New announcement: 2 crore MORE houses announced for construction over the next 5 years — this Budget announcement is the origin of the expansion that was formally approved by the Cabinet on 9 Aug 2024 (see the FY2024-25 to FY2028-29 Continuation entry below, which carries the finalised outlay/unit-assistance figures).

2024 PMAY-Gramin: FY2024-25 to FY2028-29 Continuation

Cue Words	Notes
What did the Cabinet approve for PMAY-Gramin on 9 Aug 2024?	Continuation: PMAY-Gramin extended for FY2024-25 to FY2028-29, with 2 crore additional houses to be constructed (over and above the earlier 2.95 crore target launched April 2016). Incomplete houses: Also covers completion of the remaining 35 lakh incomplete houses from the previous phase to achieve the cumulative target.
What is the unit assistance and total outlay for the PMAY-G continuation?	Unit assistance (unchanged): ₹1.20 lakh in plain areas; ₹1.30 lakh in NE Region and Hill States (HP, Uttarakhand, J&K, Ladakh). Total outlay: ₹3,06,137 crore (Central share ₹2,05,856 crore + State share ₹1,00,281 crore). Expected beneficiaries: ~10 crore individuals across the 2 crore new houses.

2022 Union Budget 2022-23 — PM Awas Yojana Allocation

Cue Words	Notes
What did the Union Budget 2022-23 (1 Feb 2022) allocate for PM Awas Yojana?	Allocation: ₹48,000 crore allocated under PM Awas Yojana for 80 lakh houses to be completed in 2022-23.

Conclusion

Cue Words	Notes
Analyze key facts and concepts related to Conclusion.	Success lies in moving from "Slums" to "Shelter-Saturated & Dignity-Verified Public Saturation."