What’s the HOME Scheme?
Table of Contents
The flagship government initiative is the Pradhan Mantri Awas Yojana (PMAY), launched in 2015 and significantly expanded in 2025 with a fresh allocation of ₹5.36 lakh crore to cover 3 crore more families PMAY now operates along two main pillars:
- PMAY‑Urban (PMAY‑U 2.0): Targets urban households—Economically Weaker Section (EWS), Low-Income Group (LIG), and Middle-Income Group (MIG‑I & II)—by offering interest subsidies under the Credit-Linked Subsidy Scheme (CLSS) and partnering with private developers .
- PMAY‑Gramin (PMAY‑G): Focuses on rural pucca homes with basic amenities. ₹1.2 lakh per unit in plains and ₹1.3 lakh in hilly/tribal regions, with the scheme extended through to March 2029 and a target of an additional 2 crore rural houses .
2025 Updates & Enhancements
• Expanded Coverage
An added ₹5.36 lakh crore in 2025 to reach 3 crore more families across urban and rural sector.
• Simplified Eligibility
Criteria relaxed: monthly income limits raised (now ₹15,000/month or ₹1.8 lakh/year); ownership of two-wheelers or fishing boats no longer disqualifies applicants.
• Tech & Transparency
Launch of digital tools like the Awaas+ 2024 app for beneficiary surveying, Awaas Sakhi, improved DBT transparency, and SOPs introduced in urban centres such as Bhubaneswar to streamline allotment .
Achievements So Far (Early 2025)
✅ Rural (PMAY‑G)
- 3.79 crore total units allotted; 2.69 crore completed as of Feb 2025.
- 39.8 lakh homes sanctioned for FY 2024‑25, aiming to deliver 84 lakh units.
✅ Urban (PMAY‑U 2.0)
- ₹54,500 crore allocated in the 2024–25 budget.
- States like Odisha have approved thousands of units: Odisha greenlit 3,949 units under the BLC component, with central grant ₹1.5 lakh/unit; state ₹1 lakh; beneficiary ₹4 lakh.
Beyond Construction—Eco & Sustainability Features
Innovations include:
- Community water conservation (e.g., Durg built 1,200 recharge soak pits in 2 hours within PMAY homes) .
- Eco-friendly, disaster-resistant materials.
- Solar rooftops via other schemes like Surya Ghar Muft Bijli Yojana, often integrated with housing .
Inclusivity & Special Focus
- Houses prioritized for women; many state governments assign titles solely to women (e.g., Uttar Pradesh) .
- Reserved quotas for SC/ST, minorities, physically disabled.
- Special urban components for slum rehabilitation and rental housing for workers (ARHC).
On the Ground: Recent State Efforts
- Telangana’s Indiramma scheme (rural‑urban blend) plans to cover 20 lakh families in 3½ years, with 4.5 lakh houses sanctioned already .
- Andhra Pradesh’s Amaravati has two central infrastructure approvals: a secretariat and 1,329‑cr accommodation under CPWD/PMAY plans .
Final Word
The 2025 expansion of PMAY underscores India’s strong push toward its “Housing for All” goal. With relaxed eligibility, digital tools, greener homes, and a massive ₹5.36 lakh crore funding boost, the scheme is more accessible and inclusive. Urban and rural households stand to gain better housing security, financial support, and dignity. The real test now lies in actual ground delivery by 2029, and state performance will shape its ultimate success.
