Separate replies in Parliament by the Ministry of Rural Development and the Ministry of Housing and Urban Affairs (MoHUA) highlighted the progress of the two schemes as of July 2026.
While PMAY-G focuses on providing pucca houses to eligible rural households, PMAY-U caters to eligible beneficiaries in urban areas.
PMAY-G: 3.10 crore rural houses completed
According to a Lok Sabha reply dated July 21, the government has sanctioned 3.92 crore houses under PMAY-G against an allocated target of 4.18 crore houses.
Of these, 3.10 crore houses have been completed, while around 1.08 crore houses remain pending completion against the targets allocated to states and Union Territories.
The Ministry of Rural Development said that during the last five years, from FY 2021-22 to FY 2025-26, the Centre released ₹1,34,242.45 crore as its share under PMAY-G.
For FY 2026-27, the government has approved a tentative allocation of ₹41,924.60 crore under the scheme, subject to revision based on the allocation of targets to states and Union Territories.
The ministry said several steps have been taken to speed up construction, including timely allocation of targets, release of funds, regular monitoring through dashboards, review meetings with states and rural mason training programmes.
PMAY-U: 99.07 lakh urban houses completed or delivered
For urban areas, the Ministry of Housing and Urban Affairs said in a Rajya Sabha reply on July 20, 2026, that 99.07 lakh houses have been completed or delivered under PMAY-U since its launch in 2015.
The ministry said a total of 127.68 lakh houses have been sanctioned, including 16.20 lakh houses under PMAY-U 2.0.
Of the sanctioned houses, 121.02 lakh houses have been grounded, which means construction has started, while completed houses have been delivered to beneficiaries.
The original PMAY-U scheme period has been extended till September 30, 2026 to facilitate completion of already sanctioned houses without changing the funding pattern and implementation methodology.
PMAY-U 2.0: What has changed?
The government launched PMAY-U 2.0 ‘Housing for All’ Mission from September 1, 2024, based on the learnings from the implementation of the earlier urban housing scheme.
The revamped scheme aims to support 1 crore additional eligible urban beneficiaries over five years.
PMAY-U 2.0 is implemented through four components — Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS).
The scheme is demand-driven, with projects taken up based on proposals submitted by states and Union Territories.
What support do PMAY beneficiaries get?
Under PMAY-G, beneficiaries receive housing assistance along with support through convergence with other government schemes.
The Ministry of Rural Development said that as of July 16, 3.08 crore houses had been provided with toilets, 2.43 crore with water connections, 3.07 crore with electricity connections and 2.90 crore with LPG connections. It added that 1.35 crore beneficiary households had been associated with Self-Help Groups (SHGs).
For urban housing, PMAY-U focuses on providing permanent houses along with basic civic infrastructure such as water supply, sanitation, electricity and road connectivity through convergence with central, state and local government schemes.
How are beneficiaries selected?
Both PMAY-G and PMAY-U are demand-driven schemes, but beneficiaries have to meet prescribed eligibility criteria.
Under PMAY-G, beneficiaries are identified through government processes based on housing deprivation and other parameters.
For PMAY-U, state and Union Territory governments are responsible for assessing demand, preparing projects and selecting eligible beneficiaries as per scheme guidelines.
What is the timeline for completing houses?
The Ministry of Housing and Urban Affairs said the timeline for completing urban housing projects generally varies between 12 and 36 months, depending on factors such as land availability, statutory approvals, funding arrangements and project design.
The ministry said it monitors progress through periodic review meetings, video conferences and field visits to ensure completion of sanctioned houses within stipulated timelines.
