Advertisement
When should a housing society in Mumbai start considering re...
From GST on JDAs to SEBI’s REIT reclassification and the S...
Stay ahead in the world of real estate with our daily podcas...
Stay ahead in the world of real estate with our daily podcas...
The Jammu and Kashmir government has completed over 31,000 houses under Pradhan Mantri Awas Yojana-Urban out of 39,153 sanctioned units. Around 7,980 houses are still under construction and are targeted for completion by September 2026. Delays have mainly been due to beneficiaries financial limitations, rising construction costs, and other personal constraints. Under PMAY-U 2.0, more than 21,000 applications have been received, with over 2,000 houses already approved. The government has also introduced an interest-free loan of INR 2 lakh to help beneficiaries complete construction.
The Jammu and Kashmir administration has informed that more than 31,000 houses have been completed under the Pradhan Mantri Awas Yojana-Urban (PMAY-U) since the scheme was rolled out in the Union Territory. The update was shared in the assembly, where the government explained that the pace of construction has been affected in several cases due to issues faced by beneficiaries at the ground level. Advertisement
Under the beneficiary-led construction (BLC) vertical of PMAY-U 1.0, a total of 39,153 houses were sanctioned. Out of these, 31,173 units have been completed so far, while 7,980 houses remain under different stages of construction. The government has set a target to complete all the pending houses by September 2026, indicating that execution is still ongoing but nearing its final phase.
District-wise data shows that Jammu has the highest number of sanctioned houses at 5,755, followed by Baramulla with 4,165 and Anantnag with 3,856. Srinagar recorded 3,508 sanctioned houses, of which 2,664 have already been completed and 844 are still under construction. In the Lal Chowk constituency, 423 houses were approved, with 263 completed and 160 still in progress, reflecting a similar trend of partial completion across urban pockets.
The government clarified that delays are mainly linked to the nature of the BLC model, where construction is carried out by beneficiaries themselves. Financial assistance is released in stages based on physical progress, verified through inspections and geo-tagging. Each beneficiary receives INR 1.50 lakh from the Centre and INR 0.1666 lakh from the Union Territory. However, beneficiaries are required to contribute their own share, which ranges between INR 2.93 lakh and INR 3.39 lakh, depending on construction requirements.
Officials indicated that many beneficiaries have faced difficulty in arranging their share of funds. In addition, rising material costs and personal constraints have slowed down construction in several cases. These factors have been identified as the primary reasons for delays rather than administrative or approval-related issues.
Under PMAY-Urban 2.0, the government has received over 21,000 applications through the unified web portal. Out of these, 16,830 applications have been verified, while 2,641 are still under verification. A total of 2,863 applicants have been found eligible, and 2,120 houses have already been approved with financial assistance of around INR 53 crore.
In the Affordable Housing in Partnership (AHP) vertical, 1,272 flats have been approved. This includes 760 units in Bhalwal and 208 units in Roop Nagar in Jammu, along with 304 units in Chakhar Sundli in Udhampur. The government stated that beneficiary verification for these projects is currently in progress, and allotments will follow once the process is completed.
It was also clarified that, so far, no cases sanctioned under PMAY-Urban 2.0 in Srinagar fall within the Lal Chowk constituency. This indicates that the second phase of the scheme is still in early stages of implementation in certain urban areas.
To address funding gaps and speed up construction, the administration has introduced an interest-free loan facility of INR 2 lakh per beneficiary through J&K Bank. The loan is repayable over a period of 10 years and is expected to help beneficiaries complete their houses without facing immediate financial pressure.
The progress under PMAY-U in Jammu and Kashmir comes alongside earlier improvements seen in rural housing under PMAY-Gramin, where a significant number of houses have already been completed, showing a wider push to improve housing availability across regions.
Source PTI
FAQ
1. What is the current status of PMAY-Urban housing in Jammu and Kashmir?
The government has completed over 31,000 houses under Pradhan Mantri Awas Yojana-Urban out of a total of 39,153 sanctioned units. Around 7,980 houses are still under construction. The overall progress shows that the scheme is in its final phase, with most beneficiaries already receiving their homes.
2. By when are the remaining houses expected to be completed?
The government has set a target to complete all pending houses by September 2026. Since construction is already underway for the remaining units, the focus is now on resolving delays and ensuring timely completion at the ground level.
3. What are the main reasons behind the delays in construction?
The delays are largely due to beneficiary-related challenges rather than administrative issues. Many beneficiaries have faced financial constraints in arranging their share of funds. Rising construction costs and personal limitations have also slowed down progress in several cases.
4. How does the funding structure work under this scheme?
Under the beneficiary-led construction model, financial assistance is provided in stages. Each beneficiary receives INR 1.50 lakh from the Centre and INR 0.1666 lakh from the Union Territory. However, they are also required to contribute around INR 2.93 lakh to INR 3.39 lakh on their own, which can be difficult for some families to manage.
5. What progress has been made under PMAY-Urban 2.0?
Under the second phase, more than 21,000 applications have been received. Out of these, over 16,000 have been verified, and around 2,800 applicants have been found eligible. So far, over 2,100 houses have already been approved with financial assistance, indicating that the new phase is gradually picking up pace.
6. Are there any additional housing projects under this scheme?
Yes, under the Affordable Housing in Partnership (AHP) vertical, 1,272 flats have been approved across locations like Bhalwal, Roop Nagar, and Udhampur. Verification of beneficiaries is currently ongoing, and allotments will be done once this process is completed.
7. What steps has the government taken to address funding issues?
To support beneficiaries facing financial gaps, the government has introduced an interest-free loan of INR 2 lakh through J&K Bank. This loan can be repaid over 10 years and is expected to ease the financial burden, helping beneficiaries complete construction without immediate pressure.
5th Jun, 2025
25th May, 2023
11th May, 2023
27th Apr, 2023
Advertisement
Facebook
Whatsapp
